[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.operam.cz\/muzu-ziskat-hypoteku-jeste-behem-studia\/#Article","mainEntityOfPage":"https:\/\/www.operam.cz\/muzu-ziskat-hypoteku-jeste-behem-studia\/","headline":"M\u016f\u017eu z\u00edskat hypot\u00e9ku je\u0161t\u011b b\u011bhem studia?","name":"M\u016f\u017eu z\u00edskat hypot\u00e9ku je\u0161t\u011b b\u011bhem studia?","description":"V\u011bt\u0161ina student\u016f \u0159e\u0161\u00ed bydlen\u00ed p\u0159i studiu na vysok\u00e9 \u0161kole bu\u010f bydlen\u00edm na koleji, nebo si s p\u0159\u00e1teli pronajmou byt spole\u010dn\u011b. Hodn\u011b ze student\u016f v\u0161ak sn\u00ed o bydlen\u00ed vlastn\u00edm, pokud pat\u0159\u00edte mezi n\u011b, mo\u017en\u00e9 to je, \u017ee V\u00e1m banka poskytne klasick\u00fd hypote\u010dn\u00ed \u00fav\u011br, ale mus\u00edte stejn\u011b jako ostatn\u00ed spl\u0148ovat podm\u00ednky, a zpravidla V\u00e1m budou muset pomoci […]","datePublished":"2025-03-04","dateModified":"2025-03-04","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\/img_a289592_w2257_t1500995427.jpg","url":"https:\/\/www.operam.cz\/wp-content\/uploads\/img_a289592_w2257_t1500995427.jpg","height":0,"width":0},"url":"https:\/\/www.operam.cz\/muzu-ziskat-hypoteku-jeste-behem-studia\/","wordCount":444,"articleBody":"V\u011bt\u0161ina student\u016f \u0159e\u0161\u00ed bydlen\u00ed p\u0159i studiu na vysok\u00e9 \u0161kole bu\u010f bydlen\u00edm na koleji, nebo si s p\u0159\u00e1teli pronajmou byt spole\u010dn\u011b. Hodn\u011b ze student\u016f v\u0161ak sn\u00ed o bydlen\u00ed vlastn\u00edm, pokud pat\u0159\u00edte mezi n\u011b, mo\u017en\u00e9 to je, \u017ee V\u00e1m banka poskytne klasick\u00fd hypote\u010dn\u00ed \u00fav\u011br, ale mus\u00edte stejn\u011b jako ostatn\u00ed spl\u0148ovat podm\u00ednky, a zpravidla V\u00e1m budou muset pomoci rodi\u010de ru\u010den\u00edm.1)\u00a0\u00a0\u00a0\u00a0\u00a0 Nen\u00ed snad vysoko\u0161kol\u00e1ka, kter\u00fd by si p\u0159i studiu na vysok\u00e9 \u0161kole nep\u0159ivyd\u011bl\u00e1val, v tom p\u0159\u00edpad\u011b ale z\u00e1le\u017e\u00ed, jak vysok\u00fd je V\u00e1\u0161 p\u0159\u00edjem, kter\u00fdm byste se bance prokazovali. Spo\u010d\u00edtat si to m\u016f\u017eete na internetov\u00fdch kalkula\u010dk\u00e1ch, jestli je V\u00e1\u0161 p\u0159\u00edjem takov\u00fd, \u017ee by pokryl hypote\u010dn\u00ed spl\u00e1tky. V\u011bt\u0161inou ale banky stejn\u011b po\u017eaduj\u00ed ru\u010ditele, v\u011bt\u0161inou p\u0159\u00edmo vy\u017eaduj\u00ed rodi\u010de. Pokud v\u0161ak m\u00e1te p\u0159\u00edjem, kter\u00fd jen s b\u00eddou pokryje Va\u0161e b\u011b\u017en\u00e9 v\u00fddaje, ani to v bance rad\u011bji nezkou\u0161ejte.2)\u00a0\u00a0\u00a0\u00a0\u00a0 Hodn\u011b student\u016f si tak\u00e9 p\u0159ivyd\u011bl\u00e1v\u00e1 r\u016fzn\u00fdmi p\u0159eklady, zakl\u00e1daj\u00ed si vlastn\u00ed e-shopy apod., sv\u00fdm zp\u016fsobem vlastn\u011b podnikaj\u00ed, takov\u00e9 podnik\u00e1n\u00ed ale mus\u00ed b\u00fdt dolo\u017eiteln\u00e9, mus\u00edte b\u00fdt schopni p\u0159edlo\u017eit bance da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, neradujte se p\u0159ed\u010dasn\u011b, i v tomhle p\u0159\u00edpad\u011b V\u00e1m budou muset ru\u010dit rodi\u010de.3)\u00a0\u00a0\u00a0\u00a0\u00a0 V\u011bt\u0161ina bank se nezdr\u00e1h\u00e1 poskytovat tzv. studentsk\u00e9 p\u016fj\u010dky, kter\u00e9 se v\u0161ak pohybuj\u00ed v \u0159\u00e1du kolem des\u00edtek tis\u00edc korun, u hypot\u00e9ky je to trochu jin\u00e9, banky u\u017e p\u0159edem mus\u00ed po\u010d\u00edtat s t\u00edm, \u017ee sice studujete a nyn\u00ed i pracujete, ale po dokon\u010den\u00ed studia nemus\u00edte zam\u011bstn\u00e1n\u00ed ve vystudovan\u00e9m oboru sehnat, pr\u00e1v\u011b pro tyto p\u0159\u00edpady vy\u017eaduj\u00ed rodi\u010de jako Va\u0161e ru\u010ditele.4)\u00a0\u00a0\u00a0\u00a0\u00a0 Nab\u00edz\u00ed se mo\u017enost, pokud Va\u0161i rodi\u010de \u017e\u00e1dnou hypot\u00e9ku nemaj\u00ed, \u017ee by si j\u00ed vzali sami, a potom, a\u017e Vy se postav\u00edte na vlastn\u00ed nohy, co se t\u00fdk\u00e1 zam\u011bstn\u00e1n\u00ed, je mo\u017enost p\u0159ev\u00e9st ji na V\u00e1s.5)\u00a0\u00a0\u00a0\u00a0\u00a0 V\u011bt\u0161ina rodi\u010d\u016f stejn\u011b sv\u00fdm d\u011btem p\u0159isp\u00edv\u00e1 na pronajat\u00fd byt nebo jim plat\u00ed kolej, tak\u017ee se podle pr\u016fzkum\u016f nebr\u00e1n\u00ed ani tomu, ru\u010dit sv\u00fdm d\u011btem na hypot\u00e9ku, pokud by V\u00e1m ji banka schv\u00e1lila, a\u017e budete m\u00edt stabiln\u00ed zam\u011bstn\u00e1n\u00ed, jde tak\u00e9 rodi\u010de ze spolupod\u00edlen\u00ed tzv. \u201evyv\u00e1zat\u201c.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u016f\u017eu z\u00edskat hypot\u00e9ku je\u0161t\u011b b\u011bhem studia?","item":"https:\/\/www.operam.cz\/muzu-ziskat-hypoteku-jeste-behem-studia\/#breadcrumbitem"}]}]