[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.6rp.cz\/co-splnit-pro-ziskani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.6rp.cz\/co-splnit-pro-ziskani-hypoteky\/","headline":"Co splnit pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky?","name":"Co splnit pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky?","description":"I kdy\u017e \u010dlov\u011bk chod\u00ed do pr\u00e1ce na pln\u00fd \u00favazek a chce si koupit vlastn\u00ed byt nebo d\u016fm, pen\u00edze mu \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nebudou sta\u010dit k tomu, aby si nemovitost mohl koupit. Drtiv\u00e1 v\u011bt\u0161ina lid\u00ed v dne\u0161n\u00ed dob\u011b pot\u0159ebuje hypot\u00e9ku, kter\u00e1 mu poskytne finance k uhrazen\u00ed cel\u00e9 \u010d\u00e1stky za bydlen\u00ed. V sou\u010dasn\u00e9 dob\u011b se neposkytuj\u00ed hypot\u00e9ky ve v\u00fd\u0161i 100 %, ale \u017eadatel\u00e9 o hypot\u00e9ku mus\u00ed m\u00edt vlastn\u00ed pozemek, naspo\u0159en\u00fdch 20 % z celkov\u00e9 \u010d\u00e1stky hypot\u00e9ky anebo d\u016fm \u010di byt k rekonstrukci. Nen\u00ed…","datePublished":"2025-01-21","dateModified":"2025-01-21","author":{"@type":"Person","@id":"https:\/\/www.6rp.cz\/author\/#Person","name":"","url":"https:\/\/www.6rp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"6rp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.6rp.cz\/wp-content\/uploads\/money-2180330_640_10_2.jpg","url":"https:\/\/www.6rp.cz\/wp-content\/uploads\/money-2180330_640_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.6rp.cz\/co-splnit-pro-ziskani-hypoteky\/","about":["Pen\u00edze"],"wordCount":407,"articleBody":"   I kdy\u017e \u010dlov\u011bk chod\u00ed do pr\u00e1ce na pln\u00fd \u00favazek a chce si koupit vlastn\u00ed byt nebo d\u016fm, pen\u00edze mu \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nebudou sta\u010dit k tomu, aby si nemovitost mohl koupit. Drtiv\u00e1 v\u011bt\u0161ina lid\u00ed v dne\u0161n\u00ed dob\u011b pot\u0159ebuje hypot\u00e9ku, kter\u00e1 mu poskytne finance k uhrazen\u00ed cel\u00e9 \u010d\u00e1stky za bydlen\u00ed. V sou\u010dasn\u00e9 dob\u011b se neposkytuj\u00ed hypot\u00e9ky ve v\u00fd\u0161i 100 %, ale \u017eadatel\u00e9 o hypot\u00e9ku mus\u00ed m\u00edt vlastn\u00ed pozemek, naspo\u0159en\u00fdch 20 % z celkov\u00e9 \u010d\u00e1stky hypot\u00e9ky anebo d\u016fm \u010di byt k rekonstrukci. Nen\u00ed tedy jednoduch\u00e9 n\u011bkterou z t\u011bchto podm\u00ednek splnit, proto\u017ee jde o to, \u017ee st\u00e1le \u010dlov\u011bk mus\u00ed platit bydlen\u00ed a k tomu na\u0161et\u0159it velkou sumu pen\u011bz. Ka\u017ed\u00e1 banka m\u00e1 sv\u00e9 podm\u00ednky, kter\u00e9 je pot\u0159eba splnit, aby byla \u017eadateli hypot\u00e9ka schv\u00e1len\u00e1. Je pot\u0159eba po\u010d\u00edtat s t\u00edm \u017ee banka bude cht\u00edt z\u00e1stavn\u00ed pr\u00e1vo na va\u0161\u00ed nemovitosti, co\u017e je zaji\u0161\u0165ovac\u00ed prost\u0159edek k tomu, aby dlu\u017en\u00edk plnil sv\u016fj dluh. D\u00edky z\u00e1stavn\u00edmu pr\u00e1vu se banka m\u016f\u017ee uspokojit prodejem nemovitosti v p\u0159\u00edpad\u011b, \u017ee byste hypot\u00e9ku nespl\u00e1celi. Je to standardn\u00ed postup a vyu\u017e\u00edvaj\u00ed ho v\u0161echny banky. Mimo tyto povinnosti je je\u0161t\u011b nutn\u00e9 dolo\u017eit \u017ee m\u00e1te dostate\u010dn\u011b velk\u00e9 p\u0159\u00edjmy na to, abyste z\u00edskali hypot\u00e9ku, kterou chcete. Budete dokl\u00e1dat v\u00fdpisy z \u00fa\u010dt\u016f a budete dokl\u00e1dat i to, \u017ee jinde nem\u00e1te dluhy a \u017ee jste nebyli veden\u00ed registru dlu\u017en\u00edk\u016f nebo jste nebyli v insolvenci. Splnit v\u0161echny tyto podm\u00ednky najednou tak nen\u00ed jednoduch\u00e9 pro n\u011bkter\u00e9 \u017eadatele, kte\u0159\u00ed v registru dlu\u017en\u00edk\u016f veden\u00ed byli anebo jsou. Pen\u00edze, kter\u00e9 v\u00e1m banka poskytne mus\u00edte vyu\u017e\u00edt pouze k financov\u00e1n\u00ed bydlen\u00ed. Pokud byste pot\u0159ebovali vy\u0161\u0161\u00ed finan\u010dn\u00ed obnos mimo spot\u0159ebitelsk\u00fd \u00fav\u011br, jste v registru dlu\u017en\u00edk\u016f anebo m\u00e1te p\u0159\u00edjmy, kter\u00e9 nechcete nikde dokl\u00e1dat, m\u016f\u017ee pro v\u00e1s b\u00fdt \u0159e\u0161en\u00edm americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Poskytuj\u00ed ji zpravidla nebankovn\u00ed spole\u010dnosti a je pom\u011brn\u011b velk\u00e1 \u0161ance \u017ee hypot\u00e9ku dostane opravdu ka\u017ed\u00fd. Je ale pot\u0159eba po\u010d\u00edtat s t\u00edm \u017ee v\u00fdhody nebankovn\u00ed hypot\u00e9ky budou vyv\u00e1\u017eeny vy\u0161\u0161\u00edmi \u00faroky.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co splnit pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky?","item":"https:\/\/www.6rp.cz\/co-splnit-pro-ziskani-hypoteky\/#breadcrumbitem"}]}]