\u0158e\u0161\u00edte bydlen\u00ed, ale finance z hypot\u00e9ky prost\u011b nepokryj\u00ed celou kupn\u00ed cenu? Existuje n\u011bkolik mo\u017enost\u00ed, jak tuto situaci vy\u0159e\u0161it. Jak\u00e9 je optim\u00e1ln\u00ed \u0159e\u0161en\u00ed? \u0158ad\u00ed hypote\u010dn\u00ed brokerka, Miriam Bolje\u0161ikov\u00e1.<\/p>\n\n\n\n
Existuje n\u011bkolik mo\u017enost\u00ed:<\/p>\n\n\n\n
Zalo\u017een\u00ed je\u0161t\u011b jin\u00e9 nemovitosti (nap\u0159. rodi\u010dovsk\u00e9), \u010d\u00edm\u017e se zv\u00fd\u0161\u00ed celkov\u00e1 hodnota zaji\u0161t\u011bn\u00ed \u00fav\u011bru alespo\u0148 na dobu, dokud se nesplat\u00ed \u010d\u00e1st \u00fav\u011bru, aby se druh\u00e1 nemovitost mohla uvolnit.
Stavebn\u00ed \u00fav\u011br ze stavebn\u00ed spo\u0159itelny – je v\u00fdhodn\u00fd, m\u00e1-li ji\u017e klient uzav\u0159en\u00e9 stavebn\u00ed spo\u0159en\u00ed a spl\u0148uje podm\u00ednky pro p\u0159id\u011blen\u00ed stavebn\u00edho \u00fav\u011bru. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b si mus\u00ed vz\u00edt tzv. mezi\u00fav\u011br, kter\u00fd ji\u017e nem\u00e1 tak v\u00fdhodnou \u00farokovou sazbu.
Spot\u0159ebn\u00ed \u00fav\u011br. Banky poskytuj\u00ed spot\u0159ebn\u00ed \u00fav\u011bry na bydlen\u00ed, resp. \u00fav\u011bry na dofinancov\u00e1n\u00ed hypot\u00e9ky, kter\u00e9 m\u00edvaj\u00ed zpravidla v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu oproti bez\u00fa\u010delov\u00fdm spot\u0159ebn\u00edm \u00fav\u011br\u016fm.
Co je d\u016fle\u017eit\u00e9: \u201eI kdy\u017e m\u00e1 klient hypot\u00e9ku a spot\u0159ebn\u00ed \u00fav\u011br poskytnut\u00fd z jedn\u00e9 banky, ka\u017ed\u00fd \u00fav\u011br spl\u00e1c\u00ed zvl\u00e1\u0161\u0165. Banka si v\u0161ak inkasuje spl\u00e1tky z \u00fa\u010dtu klienta automaticky \u2013 klient mus\u00ed m\u00edt dostatek finan\u010dn\u00edch prost\u0159edk\u016f v den spl\u00e1tky na \u00fa\u010dtu, o jin\u00e9 se nemus\u00ed starat,\u201c upozor\u0148uje M. Bolje\u0161ikov\u00e1.<\/p>\n\n\n\n
Hypot\u00e9ka \u201enaopak\u201c<\/p>\n\n\n\n
Rozhodli jste se pro hypot\u00e9ku, ale je\u0161t\u011b jste si nevybrali nemovitost dle va\u0161ich p\u0159edstav? Dobr\u00fd startovac\u00ed bod v \u0159e\u0161en\u00ed ide\u00e1ln\u00edho bydlen\u00ed m\u016f\u017ee b\u00fdt jistota, \u017ee m\u00e1te na n\u011bj zaji\u0161t\u011bno finance. Jak funguje model \u2013 nejsp\u00ed\u0161 m\u00e1m pen\u00edze a pak hled\u00e1m byt \u010di d\u016fm \u2013 v praxi, z jak\u00fdch mo\u017enost\u00ed si v bance m\u016f\u017eeme vybrat?<\/p>\n\n\n\n
Podle hypote\u010dn\u00ed brokerky Miriam Bolje\u0161ikov\u00e9, n\u011bkolik bank vych\u00e1z\u00ed klient\u016fm vst\u0159\u00edc a nab\u00edz\u00ed mo\u017enost hypote\u010dn\u00edho certifik\u00e1tu – je to dokument, kter\u00fd banka vystav\u00ed na z\u00e1klad\u011b posouzen\u00ed p\u0159\u00edjmu \u017eadatele (\u017eadatel\u016f). Certifik\u00e1t potvrzuje bonitu klient\u016f na poskytnut\u00ed hypot\u00e9ky v ur\u010dit\u00e9 v\u00fd\u0161i za ur\u010dit\u00fdch podm\u00ednek. Platnost certifik\u00e1tu z\u00e1vis\u00ed na konkr\u00e9tn\u00ed bance, max. nicm\u00e9n\u011b. 3 m\u011bs\u00edce, t.j. klient si mus\u00ed do tohoto term\u00ednu naj\u00edt nemovitost, kterou nab\u00fdv\u00e1 a kter\u00e1 bude p\u0159edm\u011btem zabezpe\u010den\u00ed.<\/p>\n\n\n\n
V\u00fdhoda: Klient m\u00e1 jistotu, \u017ee jeho p\u0159\u00edjem posta\u010duje ke spl\u00e1cen\u00ed po\u017eadovan\u00e9ho \u00fav\u011bru a m\u016f\u017ee se j\u00edm prok\u00e1zat prod\u00e1vaj\u00edc\u00edmu nebo realitn\u00ed kancel\u00e1\u0159i.<\/p>\n\n\n\n
Nev\u00fdhoda: Kr\u00e1tk\u00e1 platnost certifik\u00e1tu a banka nemus\u00ed garantovat schv\u00e1len\u00ed hypot\u00e9ky za v\u0161ech podm\u00ednek, kter\u00e9 jsou uvedeny na certifik\u00e1tu.<\/p>\n\n\n\n
\u201eJeliko\u017e u hypote\u010dn\u00edho certifik\u00e1tu banka negarantuje kone\u010dn\u00e9 schv\u00e1len\u00ed hypot\u00e9ky za podm\u00ednek v certifik\u00e1tu, v\u00fdhodn\u011bj\u0161\u00ed volbou pro klienta je tzv. hypot\u00e9ka. hypot\u00e9ka naopak, co\u017e je vlastn\u011b hypot\u00e9ka na nespecifikovanou nemovitost. Jej\u00ed v\u00fd\u0161e, jako\u017e i \u00farokov\u00e1 sazba jsou ze strany banky z\u00e1vazn\u00e9 a podm\u00edn\u011bn\u00e9 podpisem \u00fav\u011brov\u00e9 smlouvy. Nejpozd\u011bji do 6 m\u011bs\u00edc\u016f od podpisu \u00fav\u011brov\u00e9 smlouvy je t\u0159eba bance specifikovat nab\u00fdvanou nemovitost. Nejv\u011bt\u0161\u00ed v\u00fdhodou v porovn\u00e1n\u00ed s hypote\u010dn\u00edm certifik\u00e1tem je, \u017ee klient m\u016f\u017ee vyu\u017e\u00edt hypot\u00e9ku pro mlad\u00e9 a zajistit si st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek pro mlad\u00e9, doporu\u010duje M. Bolje\u0161ikov\u00e1<\/p>\n","protected":false},"excerpt":{"rendered":"
\u0158e\u0161\u00edte bydlen\u00ed, ale finance z hypot\u00e9ky prost\u011b nepokryj\u00ed celou kupn\u00ed cenu? Existuje n\u011bkolik mo\u017enost\u00ed, jak tuto situaci vy\u0159e\u0161it. Jak\u00e9 je optim\u00e1ln\u00ed \u0159e\u0161en\u00ed? \u0158ad\u00ed hypote\u010dn\u00ed brokerka, Miriam Bolje\u0161ikov\u00e1. Existuje n\u011bkolik mo\u017enost\u00ed: Zalo\u017een\u00ed je\u0161t\u011b jin\u00e9 nemovitosti (nap\u0159. rodi\u010dovsk\u00e9), \u010d\u00edm\u017e se zv\u00fd\u0161\u00ed celkov\u00e1 hodnota zaji\u0161t\u011bn\u00ed \u00fav\u011bru alespo\u0148 na dobu, dokud se nesplat\u00ed \u010d\u00e1st \u00fav\u011bru, aby se druh\u00e1 nemovitost […]<\/p>\n","protected":false},"author":2,"featured_media":753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-755","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts\/755","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=755"}],"version-history":[{"count":0,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts\/755\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/media\/753"}],"wp:attachment":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}