[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jalazura.cz\/hypoteka-jako-uverovy-produkt-ktery-dokaze-plnit-sny\/#Article","mainEntityOfPage":"https:\/\/www.jalazura.cz\/hypoteka-jako-uverovy-produkt-ktery-dokaze-plnit-sny\/","headline":"Hypot\u00e9ka, jako \u00fav\u011brov\u00fd produkt, kter\u00fd dok\u00e1\u017ee plnit sny","name":"Hypot\u00e9ka, jako \u00fav\u011brov\u00fd produkt, kter\u00fd dok\u00e1\u017ee plnit sny","description":"Hypote\u010dn\u00ed \u00fav\u011br asi nen\u00ed pot\u0159eba nijak slo\u017eit\u011b p\u0159edstavovat, zn\u00e1me ho v\u0161ichni a je produktem v\u011bt\u0161iny bank i \u0159ady nebankovn\u00edch spole\u010dnost\u00ed. Je\u0161t\u011b ned\u00e1vno bylo mo\u017en\u00e9 od banky \u010derpat cel\u00fdch 100% hypot\u00e9ky na nemovitost. Podm\u00ednky v posledn\u00edch n\u011bkolika letech se ale rapidn\u011b zp\u0159\u00edsnily. A i kdy\u017e je na trhu p\u0159ebytek likvidity a banky mus\u00ed o ka\u017ed\u00e9ho nov\u00e9ho...","datePublished":"2021-04-17","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.jalazura.cz\/author\/#Person","name":"","url":"https:\/\/www.jalazura.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jalazura.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jalazura.cz\/wp-content\/uploads\/%C3%BArokov%C3%A1%20sazba_7.png","url":"https:\/\/www.jalazura.cz\/wp-content\/uploads\/%C3%BArokov%C3%A1%20sazba_7.png","height":0,"width":0},"url":"https:\/\/www.jalazura.cz\/hypoteka-jako-uverovy-produkt-ktery-dokaze-plnit-sny\/","about":["Web"],"wordCount":384,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011br asi nen\u00ed pot\u0159eba nijak slo\u017eit\u011b p\u0159edstavovat, zn\u00e1me ho v\u0161ichni a je produktem v\u011bt\u0161iny bank i \u0159ady nebankovn\u00edch spole\u010dnost\u00ed. Je\u0161t\u011b ned\u00e1vno bylo mo\u017en\u00e9 od banky \u010derpat cel\u00fdch 100% hypot\u00e9ky na nemovitost. Podm\u00ednky v posledn\u00edch n\u011bkolika letech se ale rapidn\u011b zp\u0159\u00edsnily. A i kdy\u017e je na trhu p\u0159ebytek likvidity a banky mus\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta bojovat, ruku v ruce jde i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed, kter\u00e9 neust\u00e1le p\u0159ib\u00fdvaj\u00ed. V sou\u010dasnosti je to u v\u011bt\u0161iny bankovn\u00edch spole\u010dnost\u00ed procent pouze 70, zbyl\u00fdch 30 je pak zapot\u0159eb\u00ed financovat z vlastn\u00ed kapsy. Z praxi to vypad\u00e1 tak, \u017ee pokud chcete \u017e\u00e1dat o hypot\u00e9ku ve v\u00fd\u0161i 3 000 000, alespo\u0148 300 000 u\u017e mus\u00edte m\u00ed na\u0161et\u0159eno. Co\u017e pro mlad\u00e9 p\u00e1ry nemus\u00ed b\u00fdt a\u017e tak jednoduch\u00e9 a rad\u011bji vol\u00ed cestu spot\u0159ebitelsk\u00e9ho \u00fav\u011bru.V\u00fdhodn\u00e1 \u00farokov\u00e1 sazbaNen\u00ed \u017e\u00e1dn\u00fdm tajemstv\u00edm, \u017ee hypote\u010dn\u00ed \u00fav\u011bry disponuj\u00ed velmi p\u0159\u00edznivou \u00farokovou sazbou, kter\u00e1 se v sou\u010dasnosti pohybuje kolem 1,5%, tedy pokud je \u0159e\u010d o klasick\u00e9 hypote\u010dn\u00edm \u00fav\u011bru na bydlen\u00ed. Americk\u00e1 hypot\u00e9ka sice u\u017e tak v\u00fdhodn\u00e1 nen\u00ed, v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed banky ro\u010dn\u00ed \u00farokovou sazbu kolem 3%, p\u0159esto je mnohem v\u00fdhodn\u011bj\u0161\u00ed ne\u017e dlouhodob\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br. V\u00fdhodn\u00e1 \u00farokov\u00e1 sazba je zap\u0159\u00ed\u010din\u011bna hlavn\u011b z\u00e1stavou nemovitosti dlu\u017en\u00edka, d\u00edky n\u00ed\u017e banka mus\u00ed \u010delit daleko men\u0161\u00edmu riziku, ne\u017e je tomu v p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. U t\u011bch je v sou\u010dasnosti \u00farokov\u00e1 sazba nad 10% a k financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed je proto krajn\u011b nev\u00fdhodn\u00fd. Poj\u010fme si ale spole\u010dn\u011b posv\u00edtit i na nebankovn\u00ed subjekty, kter\u00e9 jsou v mnoh\u00fdch ohledech o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed, i kdy\u017e v \u0159ad\u011b lid\u00ed vzbuzuj\u00ed pocit nejistoty. Nen\u00ed se v\u0161ak \u010deho ob\u00e1vat, je tomu sp\u00ed\u0161e naopak. Nap\u0159\u00edklad jejich hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu https:\/\/www.nebankovni-hypoteky-uvery.cz\/penize-ihned\/ je \u00fav\u011brov\u00fd produkt, kter\u00fd nenech\u00e1 chladn\u00e9ho nikoho. U nebankovn\u00edch spole\u010dnost\u00ed m\u00e1 tak \u0161anci dos\u00e1hnout i ten, kter\u00fd v bance neusp\u011bje.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka, jako \u00fav\u011brov\u00fd produkt, kter\u00fd dok\u00e1\u017ee plnit sny","item":"https:\/\/www.jalazura.cz\/hypoteka-jako-uverovy-produkt-ktery-dokaze-plnit-sny\/#breadcrumbitem"}]}]