[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.polsepa.cz\/chcete-hypoteku-zacnete-setrit-dlouho-dopredu\/#Article","mainEntityOfPage":"https:\/\/www.polsepa.cz\/chcete-hypoteku-zacnete-setrit-dlouho-dopredu\/","headline":"Chcete hypot\u00e9ku? Za\u010dn\u011bte \u0161et\u0159it dlouho dop\u0159edu.","name":"Chcete hypot\u00e9ku? Za\u010dn\u011bte \u0161et\u0159it dlouho dop\u0159edu.","description":"Rozr\u016fstaj\u00edc\u00edm se trendem je pozd\u011bj\u0161\u00ed odchod potomk\u016f od rodi\u010d\u016f do sv\u00e9ho vlastn\u00edho domova. M\u016f\u017ee to m\u00edt n\u011bkolik d\u016fvod\u016f: prob\u00edhaj\u00edc\u00ed studium, pohodlnost (tzv. mamahotel n\u00e1m vyhovuje), touha b\u00fdt s rodi\u010di, \u010di obt\u00ed\u017en\u00e9 z\u00edsk\u00e1n\u00ed vlastn\u00ed nemovitosti, nebo alespo\u0148 podn\u00e1jmu. Pokud nem\u00e1te stranou na\u0161et\u0159en\u00fdch p\u00e1r milion\u016f, kter\u00e9 budete pot\u0159ebovat ke koupi alespo\u0148 1+kk ve m\u011bst\u011b, nebo v\u00edc ne\u017e […]","datePublished":"2020-02-19","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.polsepa.cz\/author\/#Person","name":"","url":"https:\/\/www.polsepa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"polsepa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.polsepa.cz\/wp-content\/uploads\/img_a371653_w3137_t1582970381.jpg","url":"https:\/\/www.polsepa.cz\/wp-content\/uploads\/img_a371653_w3137_t1582970381.jpg","height":0,"width":0},"url":"https:\/\/www.polsepa.cz\/chcete-hypoteku-zacnete-setrit-dlouho-dopredu\/","about":["Bydlen\u00ed"],"wordCount":1199,"articleBody":"Rozr\u016fstaj\u00edc\u00edm se trendem je pozd\u011bj\u0161\u00ed odchod potomk\u016f od rodi\u010d\u016f do sv\u00e9ho vlastn\u00edho domova. M\u016f\u017ee to m\u00edt n\u011bkolik d\u016fvod\u016f: prob\u00edhaj\u00edc\u00ed studium, pohodlnost (tzv. mamahotel n\u00e1m vyhovuje), touha b\u00fdt s rodi\u010di, \u010di obt\u00ed\u017en\u00e9 z\u00edsk\u00e1n\u00ed vlastn\u00ed nemovitosti, nebo alespo\u0148 podn\u00e1jmu. Pokud nem\u00e1te stranou na\u0161et\u0159en\u00fdch p\u00e1r milion\u016f, kter\u00e9 budete pot\u0159ebovat ke koupi alespo\u0148 1+kk ve m\u011bst\u011b, nebo v\u00edc ne\u017e p\u00e1r milion\u016f ke koupi rodinn\u00e9ho domu \u010di zah\u00e1jen\u00ed jeho stavby, budete nuceni si p\u016fj\u010dit. Zde nast\u00e1v\u00e1 probl\u00e9m. Mlad\u00ed lid\u00e9 maj\u00ed obecn\u011b probl\u00e9m s t\u00edm, aby z\u00edskali hypot\u00e9ku. Tento probl\u00e9m vypl\u00fdv\u00e1 zejm\u00e9na z rostouc\u00edch \u00farokov\u00fdch sazeb, kter\u00e9 v\u00fdrazn\u011b navy\u0161uj\u00ed celkovou splacenou \u010d\u00e1stku, a ze zpomalov\u00e1n\u00ed \u010desk\u00e9 ekonomiky a \u017e\u00e1dn\u00e9 finan\u010dn\u00ed rezervy potenci\u00e1ln\u00edch \u017eadatel\u016f o hypot\u00e9ku. Krom\u011b toho, jako\u017eto \u010dlov\u011bk, kter\u00fd stoj\u00ed o hypote\u010dn\u00ed \u00fav\u011br, mus\u00edte splnit 6 podm\u00ednek:
 \u00b7 st\u00e1l\u00fd p\u0159\u00edjem,
 \u00b7 v\u011bk,
 \u00b7 v\u00fd\u0161e p\u0159\u00edjmu,
 \u00b7 \u017e\u00e1dn\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f,
 \u00b7 ide\u00e1ln\u011b \u017e\u00e1dn\u00e9 dal\u0161\u00ed z\u00e1vazky,
 \u00b7 z\u00e1stava.
 
 St\u00e1l\u00fd p\u0159\u00edjem je celkem logick\u00e1 podm\u00ednka, nebo\u0165 spole\u010dnost, od kter\u00e9 chcete pen\u00edze na bydlen\u00ed p\u016fj\u010dit, si mus\u00ed b\u00fdt jist\u00e1, \u017ee bude sv\u00e9 pen\u00edze pravideln\u011b dost\u00e1vat zp\u011bt. Co se v\u011bku t\u00fd\u010de, klasicky byste m\u011bli b\u00fdt v rozmez\u00ed 18 \u2013 65 let. V\u0161e se odv\u00edj\u00ed od v\u00fd\u0161e hypote\u010dn\u00edho \u00fav\u011bru a d\u00e9lce splatnosti. Ku prosp\u011bchu v\u0161ech jsou na trhu i takov\u00e9 spole\u010dnosti, kter\u00e9 v\u00e1m \u00fav\u011br poskytnou i nad v\u011bkovou hranici 65 let.
 
 Dle va\u0161eho p\u0159\u00edjmu, kter\u00fd bude banka hodnotit vzhledem k v\u00fd\u0161i hypot\u00e9ky a \u00fav\u011bru, kter\u00fd k n\u00ed bude p\u0159ipo\u010dten, v\u00e1m bude vypo\u010dtena p\u0159esn\u00e1 maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou od banky p\u0159\u00edpadn\u011b obdr\u017e\u00edte. Ta \u010din\u00ed dev\u00edtin\u00e1sobek \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu. Uka\u017eme si to na p\u0159\u00edkladu. M\u011bs\u00ed\u010dn\u011b pob\u00edr\u00e1te nap\u0159. 25 000 K\u010d, za rok si p\u0159ijdete na 300 000 K\u010d, a tak m\u016f\u017eete z\u00edskat \u00fav\u011br a\u017e na 2 700 000 K\u010d. Dal\u0161\u00edm limitem pro p\u0159\u00edjem je maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou ze sv\u00e9ho m\u011bs\u00ed\u010dn\u00edho platu m\u016f\u017eete uvolnit na spl\u00e1tku, a tato \u010d\u00e1stka \u010din\u00ed 45 % ze mzdy. Pokud si m\u011bs\u00ed\u010dn\u011b vyd\u011bl\u00e1te 25 000 K\u010d, spl\u00e1cet m\u016f\u017eete maxim\u00e1ln\u011b 11 250 K\u010d.
 Ne\u017e v\u00e1m banka hypot\u00e9ku schv\u00e1l\u00ed, d\u016fkladn\u011b si v\u00e1s prov\u011b\u0159\u00ed v registru dlu\u017en\u00edk\u016f. Zam\u011b\u0159uj\u00ed se p\u0159edev\u0161\u00edm na aktu\u00e1ln\u00ed \u00fav\u011bry \u017eadatele, ale i na splacen\u00e9 \u00fav\u011bry, od jejich\u017e splacen\u00ed ale neub\u011bhly alespo\u0148 \u010dty\u0159i roky. Proh\u0159e\u0161ky typu opo\u017ed\u011bn\u00e9 platby za telefon se toleruj\u00ed, ov\u0161em mohou b\u00fdt zhodnoceny ve form\u011b vy\u0161\u0161\u00edch \u00farok\u016f, proto\u017ee takov\u00fd klient p\u0159edstavuje pro banku vy\u0161\u0161\u00ed riziko. Dobr\u00e9 je v\u011bd\u011bt i to, \u017ee kdo je moment\u00e1ln\u011b v insolvenci nebo exekuci, ten si hypot\u00e9ku nesjedn\u00e1. Zrovna tak m\u016f\u017ee b\u00fdt cesta k \u00fav\u011bru slo\u017eit\u011bj\u0161\u00ed pro n\u011bkoho, kdo nem\u00e1 t\u00e9m\u011b\u0159 \u017e\u00e1dnou bankovn\u00ed historii nebo dokonce nevlastn\u00ed ani bankovn\u00ed \u00fa\u010det.
 P\u0159ed t\u00edm, ne\u017e si jdete za\u017e\u00e1dat o \u00fav\u011br, je dobr\u00e9 si minimalizovat v\u0161echny z\u00e1vazky, kontokorenty a dluhy na kreditn\u00edch kart\u00e1ch. Na druhou stranu, poctiv\u011b splacen\u00fd men\u0161\u00ed \u00fav\u011br m\u016f\u017ee tak\u00e9 pomoci. V tento moment p\u0159ijde vhod pomoc odborn\u00edka.
 Posledn\u00ed podm\u00ednkou je z\u00e1stava. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f budete bance ru\u010dit jinou nemovitost\u00ed, nap\u0159. bytem sv\u00fdch rodi\u010d\u016f. Pokud m\u00e1te nemovitost\u00ed, kter\u00e9 nejsou nijak zat\u00ed\u017eeny (exekuc\u00ed, \u00fav\u011brem apod.), v\u00edce, m\u016f\u017eete jimi ru\u010dit. T\u00edm se v\u00e1m mohou sn\u00ed\u017eit \u00faroky.
 
 Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nedostanete hypot\u00e9ku na celkovou \u010d\u00e1stku pro nemovitost
 Banky v\u00e1m nikdy nep\u016fj\u010d\u00ed takov\u00e9 pen\u00edze, aby to pokrylo celkovou \u010d\u00e1stku nemovitosti. V tento moment je dobr\u00e9 si spo\u010d\u00edtat, jak\u00fd je dev\u00edtin\u00e1sobek va\u0161eho ro\u010dn\u00edho platu, srovnat to s cenou nemovitosti (p\u0159i po\u0159izov\u00e1n\u00ed rodinn\u00e9ho domu se jedn\u00e1 o pozemek, r\u016fzn\u00e1 povolen\u00ed, materi\u00e1l, pr\u00e1ce, \u2026) a dopo\u010d\u00edtat, co chyb\u00ed. To si budeme muset na\u0161et\u0159it.
 Nyn\u00ed p\u0159ich\u00e1z\u00ed na \u0159adu nap\u0159. stavebn\u00ed spo\u0159en\u00ed. To si m\u016f\u017eete sjednat u r\u016fzn\u00fdch spole\u010dnost\u00ed (\u010cesk\u00e1 spo\u0159itelna, \u010ceskomoravsk\u00e1 stavebn\u00ed spo\u0159itelna, W\u00fcstenrot apod.), kter\u00e9 p\u0159edkl\u00e1daj\u00ed r\u016fzn\u011b v\u00fdhodn\u00e9 podm\u00ednky. Li\u0161ka, jak se slangov\u011b \u010cMSS \u0159\u00edk\u00e1, nab\u00edz\u00ed a\u017e ro\u010dn\u00ed zhodnocen\u00ed ve v\u00fd\u0161i 3,4 %, W\u00fcstenrot a\u017e 4,5 %.
 Stavebn\u00ed spo\u0159en\u00ed se uzav\u00edr\u00e1 na ur\u010ditou dobu, po kterou byste nem\u011bli pen\u00edze ze spo\u0159ic\u00edho \u00fa\u010dtu vybrat, nap\u0159. po dobu \u0161esti let. Pochopiteln\u011b si pen\u00edze vybrat m\u016f\u017eete, ov\u0161em bude v\u00e1s to n\u011bco st\u00e1t. Tak\u00e9 si pen\u00edze po uplynul\u00e9 dob\u011b vybrat nemus\u00edte a m\u016f\u017eete ve spo\u0159en\u00ed vesele pokra\u010dovat. To je p\u0159\u00edpad takov\u00fdch spo\u0159en\u00ed, kter\u00e1 uzav\u00edraj\u00ed rodi\u010de sv\u00fdm d\u011btem ji\u017e od \u00fatl\u00e9ho v\u011bku pro pozd\u011bj\u0161\u00ed pot\u0159eby.
 \u010casto si stavebn\u00ed spo\u0159en\u00ed sjedn\u00e1vaj\u00ed vyd\u011bl\u00e1vaj\u00edc\u00ed studenti, studenti se sirot\u010d\u00edm d\u016fchodem apod. Pokud se m\u011bs\u00ed\u010dn\u011b dostanou k \u010d\u00e1stce nap\u0159. 7 500 K\u010d, mohou si nap\u0159. 1 000 K\u010d ka\u017ed\u00fd m\u011bs\u00edc pos\u00edlat na spo\u0159\u00edc\u00ed \u00fa\u010det a t\u00edm si pr\u016fb\u011b\u017en\u011b odkl\u00e1dat pen\u00edze stranou. S tis\u00edcikorunou m\u011bs\u00ed\u010dn\u011b se b\u011bhem \u0161esti let dostanou na \u010d\u00e1stku kolem 78 000 K\u010d. Pokud si b\u011bhem l\u00e9ta student vyd\u011bl\u00e1 o n\u011bco v\u00edc, m\u016f\u017eeme si pr\u016fb\u011b\u017en\u011b ukl\u00e1dat v\u011bt\u0161\u00ed \u010d\u00e1stku, kter\u00e1 c\u00edlovou sumu pochopiteln\u011b nav\u00fd\u0161\u00ed spolu s \u00faroky a p\u0159\u00edsp\u011bvkem od st\u00e1tu.
 
 Hypot\u00e9ka s partnerem\/bez partnera?
 Pokud m\u00e1te jako jedinec dostatek sv\u00fdch financ\u00ed, odpov\u00eddaj\u00edc\u00ed m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem a spl\u0148ujete ostatn\u00ed podm\u00ednky, m\u00e1te stejn\u00e9 \u0161ance jako partne\u0159i, kte\u0159\u00ed \u017e\u00e1daj\u00ed o hypot\u00e9ku spole\u010dn\u011b. Jejich v\u00fdhoda bude ov\u0161em to, \u017ee budou p\u0159\u00edpadn\u011b na spl\u00e1cen\u00ed dva, mohou m\u00edt dv\u011b stavebn\u00ed spo\u0159en\u00ed, a tud\u00ed\u017e v\u00edc pen\u011bz do za\u010d\u00e1tku. Pokud chcete z\u00edskat hypot\u00e9ku na d\u016fm, pravd\u011bpodobn\u011b budete \u017e\u00e1dat s partnerem. Pakli\u017ee se uch\u00e1z\u00edte o hypot\u00e9ku na byt, b\u00fdv\u00e1 to tak 50:50. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b to za dne\u0161n\u00edch podm\u00ednek bude b\u011bh na del\u0161\u00ed tra\u0165, a to hovo\u0159\u00edme \u201epouze\u201c o hypot\u00e9ce. Trp\u011blivost\u00ed se budete muset obrn\u011bt i p\u0159i sh\u00e1n\u011bn\u00ed stavebn\u00edho povolen\u00ed a jin\u00fdch formalit. \u010cesk\u00e1 republika je toti\u017e na 157. m\u00edst\u011b ze 190 st\u00e1t\u016f v discipl\u00edn\u011b rychlost z\u00edsk\u00e1n\u00ed stavebn\u00edho povolen\u00ed. Chce to tedy pevn\u00e9 nervy a n\u011bjak\u00e9 vesel\u00e9 motto, t\u0159eba \u201eVydr\u017e, Pr\u0165ka, vydr\u017e!\u201c.
                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete hypot\u00e9ku? Za\u010dn\u011bte \u0161et\u0159it dlouho dop\u0159edu.","item":"https:\/\/www.polsepa.cz\/chcete-hypoteku-zacnete-setrit-dlouho-dopredu\/#breadcrumbitem"}]}]