[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bjolly.cz\/hypoteka-bremeno-na-cely-zivot\/#Article","mainEntityOfPage":"https:\/\/www.bjolly.cz\/hypoteka-bremeno-na-cely-zivot\/","headline":"Hypot\u00e9ka, b\u0159emeno na cel\u00fd \u017eivot","name":"Hypot\u00e9ka, b\u0159emeno na cel\u00fd \u017eivot","description":"Zat\u00edmco hypot\u00e9ku vlastn\u00ed ka\u017ed\u00fd \u010dtvrt\u00fd, spot\u0159ebitelsk\u00fdm \u00fav\u011brem je zat\u00ed\u017eena p\u011btina obyvatelstva. A na co si \u010ce\u0161i nej\u010dast\u011bji p\u016fj\u010duj\u00ed? No p\u0159eci na n\u00e1kup auta. Pr\u016fzkum nap\u0159\u00ed\u010d \u010deskou populac\u00ed uk\u00e1zal, \u017ee si hypot\u00e9ku berou nej\u010dast\u011bji lid\u00e9 ve v\u011bku 30 a\u017e 44 let. Pochopiteln\u00e9 je, \u017ee nejmen\u0161\u00ed pod\u00edl lid\u00ed s hypot\u00e9kou tvo\u0159\u00ed star\u0161\u00ed generace, p\u0159i\u010dem\u017e ji m\u00e1 pouze […]","datePublished":"2019-04-15","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.bjolly.cz\/author\/#Person","name":"","url":"https:\/\/www.bjolly.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bjolly.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bjolly.cz\/wp-content\/uploads\/img_a343404_w2556_t1556452960.jpg","url":"https:\/\/www.bjolly.cz\/wp-content\/uploads\/img_a343404_w2556_t1556452960.jpg","height":0,"width":0},"url":"https:\/\/www.bjolly.cz\/hypoteka-bremeno-na-cely-zivot\/","about":["Pen\u00edze"],"wordCount":575,"articleBody":"Zat\u00edmco hypot\u00e9ku vlastn\u00ed ka\u017ed\u00fd \u010dtvrt\u00fd, spot\u0159ebitelsk\u00fdm \u00fav\u011brem je zat\u00ed\u017eena p\u011btina obyvatelstva. A na co si \u010ce\u0161i nej\u010dast\u011bji p\u016fj\u010duj\u00ed? No p\u0159eci na n\u00e1kup auta. Pr\u016fzkum nap\u0159\u00ed\u010d \u010deskou populac\u00ed uk\u00e1zal, \u017ee si hypot\u00e9ku berou nej\u010dast\u011bji lid\u00e9 ve v\u011bku 30 a\u017e 44 let. Pochopiteln\u00e9 je, \u017ee nejmen\u0161\u00ed pod\u00edl lid\u00ed s hypot\u00e9kou tvo\u0159\u00ed star\u0161\u00ed generace, p\u0159i\u010dem\u017e ji m\u00e1 pouze \u0161est procent lid\u00ed star\u0161\u00edch 60 let. Doba splatnosti hypot\u00e9ky je ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f do dvaceti let. Jej\u00ed d\u00e9lka v\u0161ak z\u00e1vis\u00ed na v\u011bku \u017eadatele. Krat\u0161\u00ed dobu maj\u00ed nastavenou ti star\u0161\u00ed a naopak nad dvacet let maj\u00ed hypot\u00e9ku lid\u00e9 do 44 let. V sou\u010dasnosti si banky hl\u00eddaj\u00ed, komu pen\u00edze poskytnou a komu ne. Nikomu ji\u017e neposkytnou tzv. stoprocentn\u00ed hypot\u00e9ku. Lid\u00e9 tak mus\u00ed n\u00e1kup nemovitosti financovat i z vlastn\u00edch finan\u010dn\u00edch zdroj\u016f. Nej\u010dast\u011bji jsou to \u00faspory na b\u011b\u017en\u00fdch spo\u0159ic\u00edch \u00fa\u010dtech nebo stavebn\u00ed spo\u0159en\u00ed v p\u0159\u00edpad\u011b star\u0161\u00edch lid\u00ed. Lid\u00e9 si p\u016fj\u010duj\u00ed i v r\u00e1mci sv\u00e9 rodiny. Na\u0161li jste tedy sv\u016fj vysn\u011bn\u00fd d\u016fm a budete \u017e\u00e1dat o hypote\u010dn\u00ed \u00fav\u011br? M\u00e1m pro V\u00e1s 5 v\u011bc\u00ed, kter\u00e9 je pot\u0159eba v\u011bd\u011bt p\u0159ed jej\u00edm po\u0159\u00edzen\u00edm: \u00b7 P\u0159i sjedn\u00e1v\u00e1n\u00ed co nejni\u017e\u0161\u00ed \u00farokov\u00e9 m\u00edry je dobr\u00e9 v\u011bd\u011bt, \u017ee ji z\u00e1sadn\u011b ovliv\u0148uje hodnota LTV, co\u017e je pom\u011br hodnoty poskytnut\u00e9ho \u00fav\u011bry k cen\u011b nemovitosti a to v procentech. \u010c\u00edm je hodnota ni\u017e\u0161\u00ed (neboli \u010d\u00edm v\u00edce m\u00e1te naspo\u0159eno), t\u00edm lep\u0161\u00ed \u00farokovou m\u00edru m\u016f\u017eete o\u010dek\u00e1vat. \u00b7 Ne\u017e za\u017e\u00e1d\u00e1te o \u00fav\u011br, odkl\u00e1dejte si bokem finan\u010dn\u00ed \u010d\u00e1stky v hodnot\u011b spl\u00e1tky na hypot\u00e9ku. Vyzkou\u0161\u00edte si tak, jak v\u00e1m bude hypot\u00e9ka vyhovovat a nav\u00edc si vytvo\u0159\u00edte finan\u010dn\u00ed rezervu. \u00b7 Nenech\u00e1vejte si odhadnout cenu nemovitosti p\u0159edem. Banky maj\u00ed toti\u017e sv\u00e9 odhadce a cht\u011bly by si ud\u011blat odhad sami, tak\u017ee by to pro V\u00e1s byly vyhozen\u00e9 pen\u00edze. Z\u00e1sadn\u00ed je tak\u00e9 to, \u017ee odhad ceny je v\u017edy o n\u011bkolik procent ni\u017e\u0161\u00ed, co\u017e pro banku p\u0159edstavuje ochranu p\u0159ed rizikem, kdyby nemovitost \u0161la do dra\u017eby) \u00b7 V\u011bk je rozhoduj\u00edc\u00ed pro \u017eadatele o hypot\u00e9ku. Banky po\u010d\u00edtaj\u00ed s t\u00edm, \u017ee mus\u00ed b\u00fdt hypot\u00e9ka splacena kolem 70 roku \u017eivota. Pokud tedy \u017e\u00e1d\u00e1te o hypot\u00e9ku v 50 letech, pravd\u011bpodobn\u011b si ji m\u016f\u017eete vz\u00edt u\u017e jen na 20 let. \u00b7 \u010c\u00edm del\u0161\u00ed doba splatnosti, t\u00edm ni\u017e\u0161\u00ed jsou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, ale t\u00edm v\u00edce p\u0159eplat\u00edte na \u00faroc\u00edch. V\u011bt\u0161inou je doba 15, 20, 30 nebo nejv\u00fd\u0161e 40 let, kterou poskytuje m\u00e1lokter\u00e1 banka. Pokud si v\u0161ak dobu splatnosti nastav\u00edte ni\u017e\u0161\u00ed a spl\u00e1tky jsou nad va\u0161e s\u00edly, m\u016f\u017eete si v obdob\u00ed fixace dobu splatnosti prodlou\u017eit a t\u00edm spl\u00e1tky sn\u00ed\u017eit. Podle propo\u010dtu spole\u010dnosti Golem Finance klient s pr\u016fm\u011brn\u00fdm \u010dist\u00fdm p\u0159\u00edjmem 23 tis\u00edc korun a \u017e\u00e1daj\u00edc\u00ed o hypot\u00e9ku s 25 letou dobou splatnost\u00ed teoreticky dos\u00e1hne na 3,5 milionu korun. Dokonce lid\u00e9 s p\u0159\u00edjmem 39 040 K\u010d klienti mohou dos\u00e1hnout a\u017e na 5,2 milionu korun.                                                                                                                                                                                                                                                                                                                                                                                        4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka, b\u0159emeno na cel\u00fd \u017eivot","item":"https:\/\/www.bjolly.cz\/hypoteka-bremeno-na-cely-zivot\/#breadcrumbitem"}]}]