[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spira.cz\/spravna-volba-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.spira.cz\/spravna-volba-hypoteky\/","headline":"Spr\u00e1vn\u00e1 volba hypot\u00e9ky","name":"Spr\u00e1vn\u00e1 volba hypot\u00e9ky","description":"Na za\u010d\u00e1tku je v\u017edy d\u016fle\u017eit\u00e9 si proj\u00edt nab\u00eddky v\u0161ech bank a d\u016fkladn\u011b si p\u0159e\u010d\u00edst jejich podm\u00ednky. V\u011bt\u0161inou naraz\u00edte ihned na \u00farokovou sazbu. Zde mus\u00edte d\u00e1t pozor na to, zda na v\u00fdhodnou nab\u00eddku v\u016fbec dos\u00e1hnete. Sta\u010d\u00ed, \u017ee je p\u0159ed slovem \u00farokov\u00e1 sazba p\u0159id\u00e1no oda najednou hroz\u00ed, \u017ee na ni nedos\u00e1hnete. Krom\u011b \u00farokov\u00e9 sazby se k\u00a0ud\u011blen\u00ed hypot\u00e9ky […]","datePublished":"2019-08-05","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.spira.cz\/author\/#Person","name":"","url":"https:\/\/www.spira.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spira.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spira.cz\/wp-content\/uploads\/img_a352978_w2989_t1567269927.png","url":"https:\/\/www.spira.cz\/wp-content\/uploads\/img_a352978_w2989_t1567269927.png","height":0,"width":0},"url":"https:\/\/www.spira.cz\/spravna-volba-hypoteky\/","about":["Pen\u00edze"],"wordCount":423,"articleBody":"Na za\u010d\u00e1tku je v\u017edy d\u016fle\u017eit\u00e9 si proj\u00edt nab\u00eddky v\u0161ech bank a d\u016fkladn\u011b si p\u0159e\u010d\u00edst jejich podm\u00ednky. V\u011bt\u0161inou naraz\u00edte ihned na \u00farokovou sazbu. Zde mus\u00edte d\u00e1t pozor na to, zda na v\u00fdhodnou nab\u00eddku v\u016fbec dos\u00e1hnete. Sta\u010d\u00ed, \u017ee je p\u0159ed slovem \u00farokov\u00e1 sazba p\u0159id\u00e1no oda najednou hroz\u00ed, \u017ee na ni nedos\u00e1hnete. Krom\u011b \u00farokov\u00e9 sazby se k\u00a0ud\u011blen\u00ed hypot\u00e9ky mohou stahovat dal\u0161\u00ed podm\u00ednky bank a poplatky. Nap\u0159\u00edklad m\u016f\u017eou po\u017eadovat z\u0159\u00edzen\u00ed otev\u0159en\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu.P\u0159i z\u0159izov\u00e1n\u00ed hypot\u00e9ky se nevyhnete chozen\u00ed po \u00fa\u0159adech (odhad ceny nemovitosti, v\u00fdpis z\u00a0katastru nemovitost\u00ed), co\u017e V\u00e1s bude st\u00e1t pen\u00edze i \u010das. Ale mnoh\u00e9 banky to mohou za\u0159\u00eddit za V\u00e1s a t\u00edm u\u0161et\u0159\u00ed va\u0161e n\u00e1klady a \u010das. Pokud budete m\u00edt mo\u017enost splacen\u00ed \u010d\u00e1sti hypot\u00e9ky d\u0159\u00edve (nap\u0159.: d\u011bdictv\u00ed) bez dal\u0161\u00edch poplatk\u016f, tak m\u00e1te dal\u0161\u00ed v\u00fdhodu na va\u0161\u00ed stran\u011b. Ne\u017e podep\u00ed\u0161ete rezerva\u010dn\u00ed smlouvu na nemovitost, m\u011bli byste v\u011bd\u011bt, na jakou v\u00fd\u0161i hypot\u00e9ky m\u016f\u017eete dos\u00e1hnout a p\u0159itom zn\u00e1t dokonale ve\u0161ker\u00e9 podm\u00ednky \u00fav\u011bru.M\u016f\u017eete tak\u00e9 u n\u011bkter\u00fdch bank vyu\u017e\u00edt garanci sazby, kter\u00e1 zaru\u010duje, \u017ee se po dobu vyjedn\u00e1van\u00ed o hypot\u00e9ce podm\u00ednky \u00fav\u011bru nezm\u011bn\u00ed. Jedn\u00e1 se v\u017edy o ur\u010denou dobu (nap\u0159\u00edklad 20 dn\u016f).Dal\u0161\u00ed pojem se, kter\u00fdm se setk\u00e1te, je fixace. To znamen\u00e1, \u017ee \u00farok, kter\u00fd jste si dohodli s\u00a0bankou, se za ur\u010ditou dobu nezm\u011bn\u00ed (na 1 a\u017e 5 let, ale i na celou dobu co budete spl\u00e1cet). Typ fixace, kter\u00fd by v\u00e1m nejl\u00e9pe padl, je nejlep\u0161\u00ed konzultovat p\u0159\u00edmo s\u00a0bankou \u010d\u00ed finan\u010dn\u00edmi poradci. Kdy\u017e kon\u010d\u00ed lh\u016fta fixace je mimo\u0159\u00e1dn\u00e9 zaplacen\u00ed \u00fav\u011bru zdarma. Co\u017e je i v\u00fdhoda krat\u0161\u00edch fixac\u00ed.Spl\u00e1cet m\u016f\u017eete bance bu\u010f po celou dobu pravideln\u011b stejnou \u010d\u00e1stku, nebo zvolit placen\u00ed od nejvy\u0161\u0161\u00ed \u010d\u00e1stky, kter\u00e1 se postupn\u011b sni\u017euje (degresivn\u00ed typ spl\u00e1cen\u00ed) \u010di placen\u00ed od nejni\u017e\u0161\u00ed \u010d\u00e1stky, kdy se jednotliv\u00e9 spl\u00e1tky zvy\u0161uj\u00ed (progresivn\u00ed typ spl\u00e1cen\u00ed). P\u0159i vy\u0159izov\u00e1n\u00ed hypot\u00e9ky budete pot\u0159ebovat potvrzen\u00ed o v\u00fd\u0161i p\u0159\u00edjmu (podnikatel\u00e9 2 posledn\u00ed p\u0159izn\u00e1n\u00ed dan\u00ed) a prok\u00e1z\u00e1n\u00ed va\u0161\u00ed toto\u017enosti. Va\u0161e nov\u00e1 nemovitost mus\u00ed b\u00fdt poji\u0161t\u011bn\u00e1.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spr\u00e1vn\u00e1 volba hypot\u00e9ky","item":"https:\/\/www.spira.cz\/spravna-volba-hypoteky\/#breadcrumbitem"}]}]