[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.terranet.cz\/zajem-o-hypoteky-v-poslednich-letech-rapidne-roste\/#Article","mainEntityOfPage":"https:\/\/www.terranet.cz\/zajem-o-hypoteky-v-poslednich-letech-rapidne-roste\/","headline":"Z\u00e1jem o hypot\u00e9ky v posledn\u00edch letech rapidn\u011b roste","name":"Z\u00e1jem o hypot\u00e9ky v posledn\u00edch letech rapidn\u011b roste","description":"Ceny nemovitost\u00ed rostou ka\u017ed\u00fdm rokem doslova geometrickou \u0159adou, vlastn\u00ed bydlen\u00ed je tak \u010d\u00edm d\u00e1l nedostupn\u011bj\u0161\u00ed a pro mnoh\u00e9 znamen\u00e1 hypot\u00e9ka […]","datePublished":"2020-11-29","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.terranet.cz\/author\/#Person","name":"","url":"https:\/\/www.terranet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"terranet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.terranet.cz\/wp-content\/uploads\/%C3%BArokov%C3%A1%20sazba.jpg","url":"https:\/\/www.terranet.cz\/wp-content\/uploads\/%C3%BArokov%C3%A1%20sazba.jpg","height":0,"width":0},"url":"https:\/\/www.terranet.cz\/zajem-o-hypoteky-v-poslednich-letech-rapidne-roste\/","about":["Finance"],"wordCount":390,"articleBody":"        Ceny nemovitost\u00ed rostou ka\u017ed\u00fdm rokem doslova geometrickou \u0159adou, vlastn\u00ed bydlen\u00ed je tak \u010d\u00edm d\u00e1l nedostupn\u011bj\u0161\u00ed a pro mnoh\u00e9 znamen\u00e1 hypot\u00e9ka jedinou mo\u017enost, jak si sen o vlastn\u00edm bydlen\u00ed splnit. \u0158ada bank z tohoto faktu profituje a p\u0159ich\u00e1z\u00ed ka\u017ed\u00fd rok na trh s nov\u00fdmi nab\u00eddkami hypote\u010dn\u00edch \u00fav\u011br\u016f, kter\u00e9 jsou pro tento \u00fa\u010del jako stvo\u0159en\u00e9. Na trhu je tak p\u0159ebytek likvidity a banky mus\u00ed bojovat o ka\u017ed\u00e9ho nov\u00e9ho klienta. Koup\u011b nebo stavba nemovitosti pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody, za kter\u00fdmi lid\u00e9 m\u00ed\u0159\u00ed do banky pro \u00fav\u011br. Pokud se v\u0161ak na hypot\u00e9ky pod\u00edv\u00e1me komplexn\u011b, jejich vyu\u017eit\u00ed je vcelku rozmanit\u00e9, jedinou podm\u00ednkou je z\u00e1stava nemovitost\u00ed bankovn\u00ed \u010di nebankovn\u00ed instituc\u00ed. V\u00fd\u0161e \u00farokov\u00e9 sazby\u00darokov\u00e1 sazba je p\u0159i hled\u00e1n\u00ed rozhodn\u011b kl\u00ed\u010dov\u00fdm faktorem, nen\u00ed v\u0161ak jedin\u00fd. Na to pozor! Obecn\u011b v\u0161ak jako u ka\u017ed\u00e9ho \u00fav\u011bru plat\u00ed, \u010d\u00edm men\u0161\u00ed \u00farokov\u00e1 sazba, t\u00edm l\u00e9pe pro dlu\u017en\u00edka. I k tomuto \u00fa\u010delu najdeme na internetu \u0159adu srovn\u00e1va\u010d\u016f a kalkula\u010dek, kter\u00e9 n\u00e1m snadno porad\u00ed, do kter\u00e9 banky se za nejv\u00fdhodn\u011bj\u0161\u00edm \u00fav\u011brem vydat. Je pot\u0159eba si uv\u011bdomit, \u017ee v\u00fd\u0161e p\u016fj\u010den\u00e9 \u010d\u00e1stky je \u010dasto v \u0159\u00e1dech milion\u016f, proto i desetiny \u00faroku mohou hr\u00e1t v\u00fdznamnou roli a dlu\u017en\u00edkovi p\u0159in\u00e9st nemalou finan\u010dn\u00ed \u00fasporu. Ka\u017ed\u00e1 nab\u00eddka je jedine\u010dn\u00e1Ka\u017ed\u00e1 banka je jedine\u010dn\u00e1, a proto i ka\u017ed\u00e1 p\u0159ijde s jinou nab\u00eddkou hypote\u010dn\u00edho \u00fav\u011bru. Je tedy ve va\u0161em z\u00e1jmu nek\u00fdvnout hned na prvn\u00ed nab\u00eddku, kterou v bance dostanete. \u017dadatele nav\u00edc v tomto ohledu chr\u00e1n\u00ed z\u00e1kon, kter\u00fd bance p\u0159ikazuje po n\u011bkolik dn\u00ed nezm\u011bnit podm\u00ednky \u00fav\u011brov\u00e9ho produktu. Opomenout bychom v\u0161ak nem\u011bli ani nebankovn\u00ed spole\u010dnosti, kter\u00e9 mnohdy p\u0159edstavuj\u00ed jedinou vidinu kladn\u00e9ho vy\u0159\u00edzen\u00ed \u00fav\u011bru pro \u017eadatele se \u0161patnou platebn\u00ed mor\u00e1lkou nebo pochybnou minulost\u00ed. Hypot\u00e9ku bez registru Fahd, kter\u00e1 je \u010dast\u00fdm produktem t\u011bchto spole\u010dnost\u00ed, tak vyu\u017eij\u00ed pr\u00e1v\u011b ti \u017eadatel\u00e9, kter\u00fdm banka odm\u00edtla \u017e\u00e1dost o \u00fav\u011br schv\u00e1lit.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1jem o hypot\u00e9ky v posledn\u00edch letech rapidn\u011b roste","item":"https:\/\/www.terranet.cz\/zajem-o-hypoteky-v-poslednich-letech-rapidne-roste\/#breadcrumbitem"}]}]