[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.operam.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.operam.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"U ka\u017ed\u00e9ho z n\u00e1s p\u0159ijde \u010das, kdy je pot\u0159eba se osamostatnit. Kdy jindy si splnit sen o vlastn\u00edm bydlen\u00ed. Jen\u017ee jen m\u00e1lokdo si takov\u00fd sen m\u016f\u017ee splnit bez pomoci banky. S nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed budete hledat mo\u017enosti, jak vlastn\u00ed bydlen\u00ed financovat. Jednou z mo\u017enost\u00ed je pr\u00e1v\u011b hypot\u00e9ka. Jen\u017ee je\u0161t\u011b p\u0159edt\u00edm se v\u00e1m s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v […]","datePublished":"2020-10-24","dateModified":"2020-10-24","author":{"@type":"Person","@id":"https:\/\/www.operam.cz\/author\/#Person","name":"","url":"https:\/\/www.operam.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"operam.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.operam.cz\/wp-content\/uploads\/maketa%20domu.jpg","url":"https:\/\/www.operam.cz\/wp-content\/uploads\/maketa%20domu.jpg","height":0,"width":0},"url":"https:\/\/www.operam.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Finance"],"wordCount":414,"articleBody":"   U ka\u017ed\u00e9ho z n\u00e1s p\u0159ijde \u010das, kdy je pot\u0159eba se osamostatnit. Kdy jindy si splnit sen o vlastn\u00edm bydlen\u00ed. Jen\u017ee jen m\u00e1lokdo si takov\u00fd sen m\u016f\u017ee splnit bez pomoci banky. S nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed budete hledat mo\u017enosti, jak vlastn\u00ed bydlen\u00ed financovat. Jednou z mo\u017enost\u00ed je pr\u00e1v\u011b hypot\u00e9ka. Jen\u017ee je\u0161t\u011b p\u0159edt\u00edm se v\u00e1m s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v hlav\u011b vytvo\u0159\u00ed \u0159ada ot\u00e1zek, na kter\u00e9 je\u0161t\u011b p\u0159ed podpisem smlouvy budete cht\u00edt zn\u00e1t odpov\u011b\u010f. Kdy je tedy spr\u00e1vn\u00e9 o hypot\u00e9ce uva\u017eovat, pro koho je ur\u010den\u00e1 a kolik mus\u00edm m\u00edt na\u0161et\u0159eno?Spr\u00e1vn\u00fd \u010das na hypot\u00e9ku? Pro banky je to kolem 30 roku \u017eivotJedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch faktor\u016f \u017eadatele je jeho v\u011bk. Zat\u00edmco ve t\u0159iceti jste pro banku \u017eel\u00edzkem v ohni, o deset let pozd\u011bji u\u017e je to o pozn\u00e1n\u00ed hor\u0161\u00ed. V\u00fdhrou samoz\u0159ejm\u011b nen\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale ani p\u0159\u00edli\u0161 vysok\u00fd v\u011bk. Ten ide\u00e1ln\u00ed za\u010d\u00edn\u00e1 na 26 a kon\u010d\u00ed 35 rokem \u017eivota. \u010c\u00edm d\u0159\u00edve hypot\u00e9ku samoz\u0159ejm\u011b sjedn\u00e1te, t\u00edm l\u00e9pe pro v\u00e1s, nebo\u0165 v\u00e1m banka m\u016f\u017ee nab\u00eddnout del\u0161\u00ed dobu spl\u00e1cen\u00ed. Horn\u00ed hranici v\u011bku, do kter\u00e9m mus\u00ed b\u00fdt hypot\u00e9ka splacena stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Ta se nyn\u00ed pohybuje kolem 65 let. Ov\u0161em v posledn\u00edch letech se produktivn\u00ed v\u011bk st\u00e1le prodlu\u017euje a n\u011bkter\u00e9 banky i nebankovn\u00ed spole\u010dnosti tak navy\u0161uj\u00ed tuto hranici a\u017e na 75 let. Pokud tedy chcete m\u00edt na spl\u00e1cen\u00ed hypot\u00e9ky alespo\u0148 20 let, je pot\u0159eba uzav\u0159\u00edt smlouvu je\u0161t\u011b p\u0159ed 45 rokem \u017eivota. Bez vlastn\u00edch prost\u0159edk\u016f se neobejdete! Nebo ano?Pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky nen\u00ed pot\u0159eba jenom v\u011bk. D\u016fle\u017eit\u00e9 jsou i dal\u0161\u00ed aspekty, kter\u00e9 ur\u010duj\u00ed, zda jste pro \u00fav\u011br vhodn\u00fd \u017eadatel nebo nikoliv. Krom stabiln\u00edho p\u0159\u00edjmu, pot\u0159ebujete i ur\u010ditou finan\u010dn\u00ed rezervu. U hypot\u00e9k se tato suma pohybuje kolem 10-20%, co\u017e rozhodn\u011b nen\u00ed m\u00e1lo. Dal\u0161\u00ed mo\u017enost\u00ed jsou nebankovn\u00ed hypot\u00e9ky, kde pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky \u017e\u00e1dn\u00e9 po\u010d\u00e1te\u010dn\u00ed finan\u010dn\u00ed prost\u0159edky nepot\u0159ebujete. Je ale pot\u0159eba po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou ne\u017e u hypot\u00e9ky v bankovn\u00edch domech.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.operam.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]