[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.calvera.cz\/kdy-je-spravny-cas-premyslet-o-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.calvera.cz\/kdy-je-spravny-cas-premyslet-o-hypotece\/","headline":"Kdy je spr\u00e1vn\u00fd \u010das p\u0159em\u00fd\u0161let o hypot\u00e9ce?","name":"Kdy je spr\u00e1vn\u00fd \u010das p\u0159em\u00fd\u0161let o hypot\u00e9ce?","description":"Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem rostou a spole\u010dn\u011b s nimi i v\u00fd\u0161e hypot\u00e9ky, kterou je nutn\u00e9 si na danou nemovitost.","datePublished":"2021-04-17","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.calvera.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.calvera.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"calvera.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.calvera.cz\/wp-content\/uploads\/maketa%20domu_4.jpg","url":"https:\/\/www.calvera.cz\/wp-content\/uploads\/maketa%20domu_4.jpg","height":0,"width":0},"url":"https:\/\/www.calvera.cz\/kdy-je-spravny-cas-premyslet-o-hypotece\/","about":["Online"],"wordCount":395,"articleBody":"          Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem rostou a spole\u010dn\u011b s nimi i v\u00fd\u0161e hypot\u00e9ky, kterou je nutn\u00e9 si na danou nemovitost vz\u00edt. I p\u0159esto \u017e\u00e1dost\u00ed o hypote\u010dn\u00ed \u00fav\u011bru neub\u00fdv\u00e1, je tomu sp\u00ed\u0161e naopak. P\u0159ib\u00fdv\u00e1 v\u0161ak po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed, nebo\u0165 se podm\u00ednky neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed. Je\u0161t\u011b doned\u00e1vna mohl klient banky za\u017e\u00e1dat o cel\u00fdch 100% hypot\u00e9ky, v sou\u010dasnosti je to jen necel\u00fdch 70%. P\u0159i\u010dem\u017e minim\u00e1ln\u011b 30% ceny nemovitosti mus\u00ed poch\u00e1zet z vlastn\u00edch zdroj\u016f. Za zam\u00edtnut\u00fdm \u00fav\u011brem v\u0161ak stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 se zp\u0159\u00eds\u0148uje s ka\u017edou novelou z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Ta posledn\u00ed reagovala na za\u010d\u00ednaj\u00edc\u00ed koronavirovou krizi v roce 2020. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak nehledejte neochotu bank, ale slo\u017eitou legislativu. I kdyby banky nakonec p\u016fj\u010dit p\u0159eci jenom cht\u011bli, nemohou. Legislativa m\u00e1 chr\u00e1nit nejenom bankovn\u00ed v\u011b\u0159itele, ale i samotn\u00e9 \u017eadatele. Spr\u00e1vn\u00fd \u010das na hypot\u00e9ku je pro ka\u017ed\u00e9ho rozd\u00edln\u00fd. Zat\u00edmco, n\u011bkdo se na n\u00ed c\u00edt\u00ed u\u017e ve 20 letech, jin\u00fd se pro tak z\u00e1sadn\u00ed \u017eivotn\u00ed krok nerozhodne nikdy. Bydlet ve vlastn\u00edm je v mnoh\u00e9m ohledu osvobozuj\u00edc\u00ed a tak\u00e9 ekonomicky v\u00fdhodn\u011bj\u0161\u00ed, kdy\u017e s ka\u017ed\u00fdm rokem se ceny n\u00e1jm\u016f zvy\u0161uj\u00ed. Centrum hlavn\u00edho m\u011bsta je vyhrazeno turist\u016fm a pracuj\u00edc\u00ed t\u0159\u00edda ze sv\u00fdch plat\u016f u\u017e nen\u00ed t\u00e9m\u011b\u0159 schopn\u00e1 takov\u00e9 bydlen\u00ed zafinancovat. Pomalu se tedy odsouv\u00e1 do perif\u00e9ri\u00ed na okraji m\u011bst, kter\u00e9 jim nab\u00edz\u00ed p\u0159\u00edjemn\u00e9 bydlen\u00ed v bl\u00edzkosti zelen\u011b, ni\u017e\u0161\u00ed n\u00e1jmy, ale i del\u0161\u00ed dojezdovou vzd\u00e1lenost do centra m\u011bsta. Vznik\u00e1 tak\u00e9 st\u00e1le v\u00edce satelitn\u00edch m\u011bst a lid\u00e9 se pomalu ale jist\u011b st\u011bhuj\u00ed z p\u0159epln\u011bn\u00fdch center do men\u0161\u00edch vesnic v okol\u00ed velk\u00fdch m\u011bst. Ty st\u00e1le nab\u00edz\u00ed dostatek prostoru pro vybudov\u00e1n\u00ed rodinn\u00fdch dom\u016f. Zde ale p\u0159ich\u00e1z\u00ed na \u0159adu dal\u0161\u00ed probl\u00e9m, abychom toti\u017e mohli stavbu postavit, pot\u0159ebujeme m\u00edt p\u0159edt\u00edm stavebn\u00ed parcelu, kter\u00e1 n\u00e1m to umo\u017en\u00ed. Hypot\u00e9ka na pozemek n\u00e1m pom\u016f\u017ee tento finan\u010dn\u011b n\u00e1ro\u010dn\u00fd krok zafinancovat.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je spr\u00e1vn\u00fd \u010das p\u0159em\u00fd\u0161let o hypot\u00e9ce?","item":"https:\/\/www.calvera.cz\/kdy-je-spravny-cas-premyslet-o-hypotece\/#breadcrumbitem"}]}]