{"id":1049,"date":"2023-08-21T20:53:35","date_gmt":"2023-08-21T18:53:35","guid":{"rendered":"https:\/\/regionydnes.cz\/?p=1049"},"modified":"2023-08-21T20:53:37","modified_gmt":"2023-08-21T18:53:37","slug":"5-chyb-kterych-se-lide-casto-dopousteji-pri-uvazovani-o-hypotece-jak-se-jim-vyhnout","status":"publish","type":"post","link":"https:\/\/regionydnes.cz\/?p=1049","title":{"rendered":"5 chyb, kter\u00fdch se lid\u00e9 \u010dasto dopou\u0161t\u011bj\u00ed p\u0159i uva\u017eov\u00e1n\u00ed o hypot\u00e9ce. Jak se jim vyhnout?"},"content":{"rendered":"\n


Proces koup\u011b nemovitosti a tedy i vy\u0159\u00edzen\u00ed hypot\u00e9ky m\u016f\u017ee b\u00fdt v mnoha ohledech zna\u010dn\u011b skli\u010duj\u00edc\u00ed a vy\u010derp\u00e1vaj\u00edc\u00ed. N\u011bkdy v\u0161ak i zbyte\u010dn\u011b. Je vcelku jedno, jestli \u017e\u00e1d\u00e1te o prvn\u00ed hypot\u00e9ku nebo u\u017e n\u011bjak\u00e9 zku\u0161enosti v tomto sm\u011bru m\u00e1te, chybn\u00e9 kroky m\u016f\u017eete ud\u011blat poka\u017ed\u00e9. Porad\u00edme v\u00e1m, jak se jim vyhnout a zv\u00fd\u0161it t\u00edm svoje \u0161ance na z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru na vlastn\u00ed bydlen\u00ed.<\/p>\n\n\n\n

Tip: Oslovte finan\u010dn\u00edho poradce<\/h2>\n\n\n\n

Kdo je p\u0159ipraven, nen\u00ed p\u0159ekvapen. \u00daslov\u00ed, kter\u00e9 p\u0159edev\u0161\u00edm u hypot\u00e9ky plat\u00ed dvojn\u00e1sob. I kdy\u017e jste p\u0159esv\u011bd\u010deni, \u017ee v\u0161echno dok\u00e1\u017eete zvl\u00e1dnout sami, je v\u017edy lep\u0161\u00ed m\u00edt k ruce finan\u010dn\u00edho poradce. Ten m\u00e1 toti\u017e p\u0159ehled o tom, jak to v kter\u00e9 bance funguje, co banka vy\u017eaduje a na co mus\u00edte b\u00fdt v ka\u017ed\u00e9m p\u0159\u00edpad\u011b p\u0159ipraven\u00ed. Rovn\u011b\u017e v\u00e1m pom\u016f\u017ee napl\u00e1novat postup pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky a vymysl\u00ed tu nejlep\u0161\u00ed mo\u017enou strategii, d\u00edky kter\u00e9 se zv\u00fd\u0161\u00ed \u0161ance na schv\u00e1len\u00ed \u00fav\u011bru na bydlen\u00ed.<\/p>\n\n\n\n

Na co byste tedy p\u0159ed z\u00e1vaznou \u017e\u00e1dost\u00ed o hypot\u00e9ku nem\u011bli rozhodn\u011b zapomenout?<\/p>\n\n\n\n

1. Nem\u00e1te p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed<\/h2>\n\n\n\n

M\u016f\u017ee se to zd\u00e1t jako zbyte\u010dnost, ale nenechte se m\u00fdlit. Budete-li m\u00edt od banky p\u0159edb\u011b\u017en\u011b p\u0159isl\u00edbeno z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru, zna\u010dn\u011b se zvy\u0161uj\u00ed va\u0161e \u0161ance na \u00fasp\u011b\u0161n\u00fd proces. B\u011bhem t\u00e9to procedury si banka prov\u011b\u0159\u00ed va\u0161i bonitu a bude v\u00e1m moct sd\u011blit maxim\u00e1ln\u00ed mo\u017enou \u010d\u00e1stku, kterou v\u00e1m p\u016fj\u010d\u00ed. P\u0159\u00edpadn\u011b v\u00e1m rovnou sd\u011bl\u00ed i podm\u00ednky, za kter\u00fdch to bude mo\u017en\u00e9.<\/p>\n\n\n\n

Banka si v\u00e1s prov\u011b\u0159\u00ed ve v\u0161ech registrech, zhodnot\u00ed p\u0159\u00edjmy a celkov\u011b posoud\u00ed va\u0161i kredibilitu. \u010casto v\u00e1m ji\u017e tak\u00e9 sd\u011bl\u00ed i odhadovanou v\u00fd\u0161i \u00farokov\u00e9 sazby.<\/p>\n\n\n\n

2. Nedoplatili jste v\u010das \u00fav\u011bry a nem\u00e1te vlastn\u00ed finan\u010dn\u00ed z\u00e1klad<\/h2>\n\n\n\n

Abyste z\u00edskali hypot\u00e9ku, pot\u0159ebujete m\u00edt samoz\u0159ejm\u011b dostate\u010dn\u00e9 p\u0159\u00edjmy a ide\u00e1ln\u00ed \u017e\u00e1dn\u00e9 dluhy. Je proto nezbytn\u00e9, ide\u00e1ln\u011b s dostate\u010dn\u00fdm p\u0159edstihem, doplatit p\u016fj\u010dky, \u00fav\u011bry \u010di kreditn\u00ed karty a kontokorenty. A je jedno, jestli jde o p\u016fj\u010dku bankovn\u00ed nebo nebankovn\u00ed. Banka si o v\u00e1s zjist\u00ed naprosto v\u0161echno. Vid\u011bt jsou i ryze internetov\u00e9 produkty, jako nap\u0159\u00edklad nebankovn\u00ed p\u016fj\u010dka online<\/u><\/a>.<\/p>\n\n\n\n

Sna\u017ete se proto, abyste m\u011bli srovnan\u00e9 \u00fa\u010dty ide\u00e1ln\u011b n\u011bkolik m\u011bs\u00edc\u016f p\u0159edt\u00edm, ne\u017e o hypote\u010dn\u00ed \u00fav\u011br za\u017e\u00e1d\u00e1te. V p\u0159\u00edpad\u011b, \u017ee v\u0161e doplat\u00edte t\u011bsn\u011b p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti o hypot\u00e9ku nebo nedoplat\u00edte v\u016fbec, m\u016f\u017ee to samoz\u0159ejm\u011b po\u0161kodit va\u0161e kreditn\u00ed sk\u00f3re. Z\u00e1rove\u0148 m\u011bjte na pam\u011bti i to, \u017ee banka bere v potaz i ve\u0161ker\u00e9 potenci\u00e1ln\u00ed dluhy, tedy nap\u0159\u00edklad nevy\u010derpanou kreditn\u00ed kartu, kterou v\u0161ak m\u00e1te k dispozici. Je proto d\u016fle\u017eit\u00e9 tuto kartu bance vr\u00e1tit a zcela ji zru\u0161it.<\/p>\n\n\n\n

Nutn\u00e9 je tak\u00e9 po\u010d\u00edtat s t\u00edm, \u017ee banka v\u00e1m p\u016fj\u010d\u00ed finance jen do 80 % hodnoty nemovitosti (a\u017e 90 % v p\u0159\u00edpad\u011b, \u017ee je v\u00e1m m\u00e9n\u011b ne\u017e 36 let). Mnoho lid\u00ed pak \u017e\u00e1d\u00e1 o hypot\u00e9ku i v situaci, kdy nemaj\u00ed naspo\u0159enou zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stku a pl\u00e1nuj\u00ed si, \u017ee si pen\u00edze, kter\u00e9 nedostanou prost\u0159ednictv\u00edm hypot\u00e9ky, vyp\u016fj\u010d\u00ed jinak. To v\u0161ak v\u011bt\u0161inou nen\u00ed mo\u017en\u00e9. Jednak p\u0159\u00edpadn\u00fdm \u00fav\u011brem sn\u00ed\u017e\u00edte sv\u00e9 kreditn\u00ed sk\u00f3re a nav\u00edc bance bude jasn\u00e9, \u017ee jste si museli zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stku vyp\u016fj\u010dit. Pro hypote\u010dn\u00ed \u00fav\u011br pak pro banku budete p\u0159\u00edli\u0161 rizikov\u00ed.<\/p>\n\n\n\n

3. M\u011bn\u00edte zam\u011bstn\u00e1n\u00ed<\/h2>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee se rozhodnete zm\u011bnit zam\u011bstn\u00e1n\u00ed, v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b to ned\u011blejte v dob\u011b, kdy \u017e\u00e1d\u00e1te o hypot\u00e9ku. I kdy\u017e budete m\u00edt dolo\u017eiteln\u00e9 p\u0159\u00edjmy, jak\u00e1koliv zm\u011bna by v\u00e1m mohla ubl\u00ed\u017eit. Nehled\u011b na to, \u017ee banka v\u00e1m neschv\u00e1l\u00ed \u00fav\u011br na bydlen\u00ed ve v\u00fdpov\u011bdn\u00ed ani zku\u0161ebn\u00ed lh\u016ft\u011b.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Pokud pod\u00e1te v\u00fdpov\u011b\u010f kv\u016fli zm\u011bn\u011b zam\u011bstn\u00e1n\u00ed, budete moci o hypot\u00e9ku \u017e\u00e1dat nejd\u0159\u00edve a\u017e za p\u016fl roku. V p\u0159\u00edpad\u011b, \u017ee chcete za\u010d\u00edt podnikat, pak se do toho klidn\u011b pus\u0165te, ov\u0161em b\u011bhem vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku si st\u00e1le dr\u017ete sv\u00e9 dosavadn\u00ed zam\u011bstn\u00e1n\u00ed. Zde byste si toti\u017e museli po\u010dkat o pozn\u00e1n\u00ed del\u0161\u00ed dobu. A to a\u017e do chv\u00edle pod\u00e1n\u00ed prvn\u00edho da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed za cel\u00fd uplynul\u00fd kalend\u00e1\u0159n\u00ed rok.<\/p>\n\n\n\n

4. \u017d\u00e1d\u00e1te o hypot\u00e9ku u v\u00edce instituc\u00ed soub\u011b\u017en\u011b<\/h2>\n\n\n\n

Abyste urychlili proces, mo\u017en\u00e1 v\u00e1s napadne podat p\u0159edb\u011b\u017enou \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br hned u n\u011bkolika bankovn\u00edch dom\u016f. To v\u0161ak v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b ned\u011blejte. Banky va\u0161e \u017e\u00e1dosti uvid\u00ed a pochopiteln\u011b je zam\u00edtnou nebo v\u00e1m ozn\u00e1m\u00ed, \u017ee va\u0161i \u017e\u00e1dost prov\u011b\u0159\u00ed teprve v p\u0159\u00edpad\u011b, a\u017e zru\u0161\u00edte \u017e\u00e1dosti v ostatn\u00edch bank\u00e1ch.<\/p>\n\n\n\n

Pr\u00e1v\u011b z toho d\u016fvodu je vhodn\u00e9 m\u00edt k ruce finan\u010dn\u00edho poradce, kter\u00fd na z\u00e1klad\u011b va\u0161ich po\u017eadavk\u016f a va\u0161\u00ed bonity i aktu\u00e1ln\u00ed situace vyhodnot\u00ed, kter\u00e1 banka je pro v\u00e1s v danou chv\u00edli nejv\u00fdhodn\u011bj\u0161\u00ed. V t\u00e9to instituci podejte \u017e\u00e1dost o hypot\u00e9ku. Teprve pokud v\u00e1m banka ozn\u00e1m\u00ed, \u017ee u nich nepochod\u00edte, m\u016f\u017eete \u017e\u00e1dat jinde.<\/p>\n\n\n\n

5. Nepo\u010d\u00edt\u00e1te s dal\u0161\u00edmi poplatky a n\u00e1klady<\/h2>\n\n\n\n

Hypot\u00e9ka nen\u00ed zadarmo, tento fakt je nutn\u00e9 si uv\u011bdomit. I kdy\u017e v\u011bt\u0161ina bank poplatky spojen\u00e9 s poskytnut\u00edm hypote\u010dn\u00edho \u00fav\u011bru p\u0159id\u00e1 ke spl\u00e1tce samotn\u00e9 hypot\u00e9ky, nen\u00ed to pravidlem. N\u011bkter\u00e9 banky po v\u00e1s budou cht\u00edt poplatek za uzav\u0159en\u00ed hypot\u00e9ky ihned. V\u011bt\u0161inou jde o n\u011bjak\u00fd procentn\u00ed pod\u00edl z celkov\u00e9 vyp\u016fj\u010den\u00e9 \u010d\u00e1stky.<\/p>\n\n\n\n

Tak\u00e9 budete platit za z\u00e1pis do katastru a banka po v\u00e1s bude po\u017eadovat i uzav\u0159en\u00ed pojistky na nemovitost. Takov\u00e1 \u010d\u00e1stka se m\u016f\u017ee vy\u0161plhat t\u0159eba i na deset tis\u00edc. Z\u00e1le\u017e\u00ed tedy na odhadu nemovitosti a na \u010d\u00e1stce, na kterou si banka p\u0159eje nemovitost pojistit. Pen\u00edze za poji\u0161t\u011bn\u00ed v\u0161ak budete muset zaplatit takt\u00e9\u017e okam\u017eit\u011b.<\/p>\n\n\n\n

Pravdou v\u0161ak je, \u017ee ve chv\u00edli schv\u00e1len\u00ed hypot\u00e9ky m\u016f\u017eete zkusit po\u017e\u00e1dat jinou bankovn\u00ed \u010di nebankovn\u00ed instituci o men\u0161\u00ed \u00fav\u011br, kter\u00fd v\u00e1m ve\u0161ker\u00e9 tyto poplatky pokryje. Zaj\u00edmav\u00e1 m\u016f\u017ee b\u00fdt v tomto p\u0159\u00edpad\u011b nap\u0159\u00edklad razdvapujcka.cz<\/u><\/a>, o kterou m\u016f\u017eete za\u017e\u00e1dat jednodu\u0161e z domu, p\u0159es internet.<\/p>\n\n\n\n

Skute\u010dn\u011b si chcete hypot\u00e9ku vz\u00edt?<\/h2>\n\n\n\n

Ne\u017e se pust\u00edte do \u017e\u00e1dosti o hypot\u00e9ku, zhodno\u0165te si ve\u0161ker\u00e1 pro a proti. Rozhodn\u011b m\u011bjte na pam\u011bti, \u017ee vlastnictv\u00edm domu placen\u00ed nekon\u010d\u00ed. \u010cek\u00e1 v\u00e1s placen\u00ed dal\u0161\u00edch v\u011bc\u00ed, jako nap\u0159\u00edklad poji\u0161t\u011bn\u00ed dom\u00e1cnosti \u010di odpov\u011bdnosti nebo tak\u00e9 da\u0148 z nemovitosti.<\/p>\n\n\n\n

Z\u00e1rove\u0148 byste m\u011bli sv\u016fj rozpo\u010det upravit tak, abyste si dali bokem pen\u00edze alespo\u0148 na p\u016flro\u010dn\u00ed v\u00fdpadek p\u0159\u00edjm\u016f. Co\u017e se m\u016f\u017ee snadno st\u00e1t v p\u0159\u00edpad\u011b ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, \u00farazu nebo nemoci.<\/p>\n","protected":false},"excerpt":{"rendered":"

Proces koup\u011b nemovitosti a tedy i vy\u0159\u00edzen\u00ed hypot\u00e9ky m\u016f\u017ee b\u00fdt v mnoha ohledech zna\u010dn\u011b skli\u010duj\u00edc\u00ed a vy\u010derp\u00e1vaj\u00edc\u00ed. N\u011bkdy v\u0161ak i zbyte\u010dn\u011b. Je vcelku jedno, jestli \u017e\u00e1d\u00e1te o prvn\u00ed hypot\u00e9ku nebo u\u017e n\u011bjak\u00e9 zku\u0161enosti v tomto sm\u011bru m\u00e1te, chybn\u00e9 kroky m\u016f\u017eete ud\u011blat poka\u017ed\u00e9. Porad\u00edme v\u00e1m, jak se jim vyhnout a zv\u00fd\u0161it t\u00edm svoje \u0161ance na z\u00edsk\u00e1n\u00ed […]<\/p>\n","protected":false},"author":1,"featured_media":1051,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1049","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/regionydnes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1049","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regionydnes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regionydnes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regionydnes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/regionydnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1049"}],"version-history":[{"count":0,"href":"https:\/\/regionydnes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1049\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regionydnes.cz\/index.php?rest_route=\/wp\/v2\/media\/1051"}],"wp:attachment":[{"href":"https:\/\/regionydnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regionydnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regionydnes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}