[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.omniacs.cz\/podminky-pro-ziskani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.omniacs.cz\/podminky-pro-ziskani-hypoteky\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","description":"Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed ka\u017edoro\u010dn\u011b do bank i nebankovn\u00edch spole\u010dnost\u00ed p\u0159il\u00e1k\u00e1 tis\u00edce \u010cech\u016f. Zat\u00edmco je\u0161t\u011b doned\u00e1vna bylo mo\u017en\u00e9 \u017e\u00e1dat o cel\u00fdm 100% hypot\u00e9ky, dne\u0161n\u00ed podm\u00ednky u\u017e tento vst\u0159\u00edcn\u00fd krok neumo\u017e\u0148uj\u00ed. Podm\u00ednky se st\u00e1le \u010dast\u011bji m\u011bn\u00ed a m\u016f\u017ee za to i aktu\u00e1ln\u00ed koronavirov\u00e1 krize, kter\u00e1 ekonomiku celosv\u011btovou ekonomiku do zna\u010dn\u00e9 m\u00edry zas\u00e1hla. Pr\u00e1v\u011b na za\u010d\u00ednaj\u00edc\u00ed pandemii...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.omniacs.cz\/podminky-pro-ziskani-hypoteky\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2021-05-23","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.omniacs.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.omniacs.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"omniacs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.omniacs.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_1.jpg","url":"https:\/\/www.omniacs.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.omniacs.cz\/podminky-pro-ziskani-hypoteky\/","about":["Web"],"wordCount":401,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed ka\u017edoro\u010dn\u011b do bank i nebankovn\u00edch spole\u010dnost\u00ed p\u0159il\u00e1k\u00e1 tis\u00edce \u010cech\u016f. Zat\u00edmco je\u0161t\u011b doned\u00e1vna bylo mo\u017en\u00e9 \u017e\u00e1dat o cel\u00fdm 100% hypot\u00e9ky, dne\u0161n\u00ed podm\u00ednky u\u017e tento vst\u0159\u00edcn\u00fd krok neumo\u017e\u0148uj\u00ed. Podm\u00ednky se st\u00e1le \u010dast\u011bji m\u011bn\u00ed a m\u016f\u017ee za to i aktu\u00e1ln\u00ed koronavirov\u00e1 krize, kter\u00e1 ekonomiku celosv\u011btovou ekonomiku do zna\u010dn\u00e9 m\u00edry zas\u00e1hla. Pr\u00e1v\u011b na za\u010d\u00ednaj\u00edc\u00ed pandemii reagovala \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 podm\u00ednky \u00fav\u011br\u016f upravuje. Z\u00e1kladn\u00ed podm\u00ednky upravuje pr\u00e1v\u011b \u010cesk\u00e1 n\u00e1rodn\u00ed banka, pod kterou spadaj\u00ed v\u0161echny bankovn\u00ed subjekty a jej\u00edmi na\u0159\u00edzen\u00edmi se tak mus\u00ed \u0159\u00eddit. Nebankovn\u00ed spole\u010dnosti to maj\u00ed v tomto ohledu o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed, i oni v\u0161ak mus\u00ed dodr\u017eovat jak\u00fdsi z\u00e1kladn\u00ed kodex pravidel. Z\u00e1kladn\u00ed pravidla pro banky i nebankovn\u00ed spole\u010dnosti jsou tedy pevn\u011b nastaven\u00e9, poskytovatel\u00e9 si k nim ale mohou p\u0159idat dal\u0161\u00ed, aby m\u011bly co nejv\u011bt\u0161\u00ed jistotu. Mo\u017en\u00e1 se te\u010f pt\u00e1te, jak z\u00edskat hypot\u00e9ku? Obecn\u011b je zapot\u0159eb\u00ed splnit n\u011bkolik z\u00e1kladn\u00edch podm\u00ednek, kter\u00e9 jsou vesm\u011bs u v\u0161ech poskytovatel\u016f nem\u011bnn\u00e9. Ka\u017ed\u00fd s poskytovatel\u016f ale k \u017eadatel\u016fm p\u0159istupuje individu\u00e1ln\u011b. Zat\u00edmco v n\u011bkter\u00fdch bank\u00e1ch m\u016f\u017ee b\u00fdt velmi slo\u017eit\u00e9 na hypote\u010dn\u00ed \u00fav\u011br dos\u00e1hnout, u jin\u00fdch spole\u010dnost\u00ed to p\u016fjde p\u0159eci jenom sn\u00e1z. Minim\u00e1ln\u00ed a maxim\u00e1ln\u00ed v\u011bkov\u00e1 hraniceMinim\u00e1ln\u00ed v\u011bkov\u00e1 hranice pro z\u00edsk\u00e1n\u00ed jak\u00e9hokoliv \u00fav\u011brov\u00e9ho produktu je v \u010cesk\u00e9 republice 18 let. Horn\u00ed v\u011bkovou hranici u\u017e z\u00e1kon nijak bl\u00ed\u017ee nespecifikuje, a proto je pov\u011bt\u0161inou na intern\u00edch pravidlech dan\u00e9 banky. \u010cesk\u00e1 n\u00e1rodn\u00ed banka v\u0161ak ve sv\u00fdch na\u0159\u00edzen\u00edch specifikuje horn\u00ed v\u011bkovou hranici, do kter\u00e9 by ml b\u00fdt \u00fav\u011br placen. Ta se v sou\u010dasn\u00e9 dob\u011b pohybuje kolem 65 let. D\u016fle\u017eitou roli zde hraje i v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu, kter\u00e1 mus\u00ed b\u00fdt adekv\u00e1tn\u00ed k d\u00e9lce spl\u00e1cen\u00ed, ale tak\u00e9 v\u00fd\u0161e hypot\u00e9ky. \u010c\u00edm d\u0159\u00edve o hypot\u00e9ku tak po\u017e\u00e1d\u00e1te, t\u00edm v\u011bt\u0161\u00ed \u0161anci budete m\u00edt na jej\u00ed kladn\u00e9 vy\u0159\u00edzen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   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