[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tomvild.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.tomvild.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":"Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je produktem \u0159ady bank a asi nen\u00ed zapot\u0159eb\u00ed ho nijak dlouze p\u0159edstavovat. V sou\u010dasn\u00e9 dob\u011b si o n\u011bj m\u016f\u017ee za\u017e\u00e1dat ka\u017ed\u00fd, kdo spln\u00ed z\u00e1konem dan\u00e9 podm\u00ednky. I p\u0159esto se v\u0161ak m\u016f\u017ee<a class=\"moretag\" href=\"https:\/\/www.tomvild.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/\"> Read more&hellip;<\/a>","datePublished":"2021-08-24","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.tomvild.cz\/author\/#Person","name":"tomvild.cz","url":"https:\/\/www.tomvild.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tomvild.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tomvild.cz\/wp-content\/uploads\/r%C5%AFst%20pen%C4%9Bz_10_8.jpg","url":"https:\/\/www.tomvild.cz\/wp-content\/uploads\/r%C5%AFst%20pen%C4%9Bz_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.tomvild.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Ekonomika"],"wordCount":406,"articleBody":"        Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed je produktem \u0159ady bank a asi nen\u00ed zapot\u0159eb\u00ed ho nijak dlouze p\u0159edstavovat. V sou\u010dasn\u00e9 dob\u011b si o n\u011bj m\u016f\u017ee za\u017e\u00e1dat ka\u017ed\u00fd, kdo spln\u00ed z\u00e1konem dan\u00e9 podm\u00ednky. I p\u0159esto se v\u0161ak m\u016f\u017ee st\u00e1t, \u017ee nakonec na hypot\u00e9ku p\u0159eci jenom nedos\u00e1hne. Diskvalifika\u010dn\u00edch faktor\u016f je cel\u00e1 \u0159ada, poj\u010fme si p\u0159edstavit alespo\u0148 ty nej\u010dast\u011bj\u0161\u00ed. V\u011bk Minim\u00e1ln\u00ed v\u011bkov\u00e1 hranice, kdy je mo\u017en\u00e9 \u017e\u00e1dat o \u00fav\u011br je v \u010cesk\u00e9 republice plnoletost \u2013 18 let. Ta nejvy\u0161\u0161\u00ed u\u017e z\u00e1konem nijak bl\u00ed\u017ee specifikovan\u00e1 nen\u00ed a li\u0161\u00ed se tedy banku od banky. \u0158ada bank se ale \u0159\u00edd\u00ed jist\u00fdm doporu\u010den\u00edm \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 stanovuje nejvy\u0161\u0161\u00ed v\u011bkovou hranici, do kter\u00e9 m\u00e1 b\u00fdt \u00fav\u011br zcela splacen. Ta se v sou\u010dasn\u00e9 dob\u011b pohybuje kolem 65 let. Pokud chcete m\u00edt na spl\u00e1cen\u00ed relativn\u011b dlouhou dobu a nastavit si tak co mo\u017en\u00e1 nejni\u017e\u0161\u00ed spl\u00e1tky, je ide\u00e1ln\u00ed sjednat hypote\u010dn\u00ed \u00fav\u011br do 35 let \u017eivota. Hypot\u00e9ka je toti\u017e v sou\u010dasn\u00e9 dob\u011b mo\u017en\u00e9 z\u00edskat maxim\u00e1ln\u011b na 30 let. V p\u0159\u00edpad\u011b, kdy si za\u017e\u00e1d\u00e1te mezi 28 a\u017e 35 rokem \u017eivota, m\u00e1te nejv\u011bt\u0161\u00ed \u0161anci na z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Pozd\u011bji u\u017e na v\u00e1s mohou bankovn\u00ed spole\u010dnosti pohl\u00ed\u017eet jako na rizikov\u00e9ho \u017eadatele. Zkr\u00e1tka banky ohledn\u011b v\u011bku maj\u00ed jasno. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemDal\u0161\u00ed z faktor\u016f, kter\u00fd je zapot\u0159eb\u00ed splnit v p\u0159\u00edpad\u011b \u017e\u00e1dosti o \u00fav\u011br je pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Ten mus\u00ed b\u00fdt dolo\u017een za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. N\u011bkter\u00e9 bankovn\u00ed i nebankovn\u00ed instituce v\u0161ak mohou br\u00e1t v potaz i pracovn\u00ed smlouvu na dobu ur\u010ditou. Takov\u00fd \u00fav\u011br v\u0161ak mus\u00ed b\u00fdt splacen d\u0159\u00edve, ne\u017e dojde k vypr\u0161en\u00ed pracovn\u00ed smlouvy. Pokud se \u017eadatel nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed dojde k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. N\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti v\u0161ak nab\u00edz\u00ed \u00fav\u011brov\u00e9 produkty i pro tzv. rizikov\u00e9 \u017eadatele. Sly\u0161eli jste u\u017e nap\u0159\u00edklad o americk\u00e9 hypot\u00e9ce? N\u011bkter\u00e9 spole\u010dnosti nevy\u017eaduj\u00ed pravideln\u00fd p\u0159\u00edjem a dokonce jim nevad\u00ed ani z\u00e1znam v registru dlu\u017en\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/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.tomvild.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]