[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rotera.cz\/hypoteka-neni-dnes-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.rotera.cz\/hypoteka-neni-dnes-pro-kazdeho\/","headline":"Hypot\u00e9ka nen\u00ed dnes pro ka\u017ed\u00e9ho!","name":"Hypot\u00e9ka nen\u00ed dnes pro ka\u017ed\u00e9ho!","description":"Je jen m\u00e1lo lid\u00ed, kte\u0159\u00ed by si necht\u011bli splnit sen o vlastn\u00edm bydlen\u00ed, kter\u00e9mu by kone\u010dn\u011b jednou pro v\u017edy mohli \u0159\u00edkat domov. Jen\u017ee ceny nemovitost\u00ed … ","datePublished":"2021-06-21","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.rotera.cz\/author\/#Person","name":"","url":"https:\/\/www.rotera.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rotera.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rotera.cz\/wp-content\/uploads\/maketa%20domu_7.jpg","url":"https:\/\/www.rotera.cz\/wp-content\/uploads\/maketa%20domu_7.jpg","height":0,"width":0},"url":"https:\/\/www.rotera.cz\/hypoteka-neni-dnes-pro-kazdeho\/","about":["Pen\u00edze"],"wordCount":399,"articleBody":"        Je jen m\u00e1lo lid\u00ed, kte\u0159\u00ed by si necht\u011bli splnit sen o vlastn\u00edm bydlen\u00ed, kter\u00e9mu by kone\u010dn\u011b jednou pro v\u017edy mohli \u0159\u00edkat domov. Jen\u017ee ceny nemovitost\u00ed rostou p\u0159\u00edmo raketovou rychlost\u00ed a nezd\u00e1 se, \u017ee by se bl\u00ed\u017eila stagnace tohoto strm\u00e9ho r\u016fstu. Tak\u017ee pro mnoho lid\u00ed je jedinou mo\u017enost\u00ed, p\u0159izvat na pomoc banku. Jen\u017ee spole\u010dn\u011b s r\u016fstem cen nemovitost\u00ed, roste i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011brov\u00e9 produkty. Podm\u00ednky se neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed a u\u017e d\u00e1vno neplat\u00ed, \u017ee na hypote\u010dn\u00ed \u00fav\u011br dos\u00e1hne ka\u017ed\u00fd, kdo si o n\u011bj po\u017e\u00e1d\u00e1. Za v\u0161\u00edm stoj\u00ed prim\u00e1rn\u011b slo\u017eit\u00e1 legislativa, kter\u00e1 je skute\u010dn\u011b nastavena tak, aby na \u00fav\u011br dos\u00e1hli jen jedinci, kte\u0159\u00ed maj\u00ed nejlep\u0161\u00ed predispozice \u00fav\u011br splatit. \u010cesk\u00e1 n\u00e1rodn\u00ed banka nav\u00edc ukl\u00e1d\u00e1 v\u0161em poskytovatel\u016fm \u00fav\u011brov\u00fdch produkt\u016f d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele, pokud by tento postup nedodr\u017eeli, mohlo by to pro n\u011b znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by n\u00e1sledn\u011b mohl spl\u00e1cet dlu\u017enou \u010d\u00e1stku dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed, nav\u00edc bez \u00farok\u016f a skryt\u00fdch poplatk\u016f. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak prim\u00e1rn\u011b stoj\u00ed slo\u017eit\u00e1 legislativa, nikoliv neochota bank p\u016fj\u010dovat. Na trhu je v sou\u010dasn\u00e9 dob\u011b p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta, p\u0159esto v sou\u010dasn\u00e9 situaci nemohou p\u016fj\u010dit ka\u017ed\u00e9mu. Hypot\u00e9ka na pozemek, stavbu, rekonstrukci nebo koupi pat\u0159\u00ed mezi nejv\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty na trhu. Je to prim\u00e1rn\u011b d\u00edky jej\u00ed n\u00edzk\u00e9 \u00farokov\u00e9 sazb\u011b, kter\u00e1 se v sou\u010dasn\u00e9 dob\u011b pohybuje kolem 2%. Konkurovat j\u00ed m\u016f\u017ee pouze americk\u00e1 hypot\u00e9ka, na rozd\u00edl od dlouhodob\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f, kde \u00farokov\u00e1 sazba p\u0159esahuje 10%. Je v\u0161ak d\u016fle\u017eit\u00e9 p\u0159ipomenou, \u017ee v\u00fdhodn\u00e1 \u00farokov\u00e1 sazba je prim\u00e1rn\u011b kv\u016fli men\u0161\u00edmu riziku v\u011b\u0159itele. Ten u hypote\u010dn\u00edch \u00fav\u011br\u016f po\u017eaduje v\u017edy z\u00e1stavu nemovitosti. Nez\u00e1le\u017e\u00ed p\u0159itom, zda se jedn\u00e1 o hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed \u010di americkou hypot\u00e9ku. V p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet, tak m\u016f\u017ee zastaven\u00e1 nemovitost kdykoliv p\u0159ipadnout bance.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka nen\u00ed dnes pro ka\u017ed\u00e9ho!","item":"https:\/\/www.rotera.cz\/hypoteka-neni-dnes-pro-kazdeho\/#breadcrumbitem"}]}]