[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stalex.cz\/jak-ziskat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.stalex.cz\/jak-ziskat-hypoteku\/","headline":"Jak z\u00edskat hypot\u00e9ku?","name":"Jak z\u00edskat hypot\u00e9ku?","description":"Hypot\u00e9ku si i v dne\u0161n\u00ed dob\u011b bere spousta lid\u00ed. Ne\u017e si za\u017e\u00e1d\u00e1te o hypot\u00e9ku, m\u011bli byste v\u011bd\u011bt, jak\u00e9 podm\u00ednky si […]","datePublished":"2023-05-20","dateModified":"2023-07-24","author":{"@type":"Person","@id":"https:\/\/www.stalex.cz\/author\/#Person","name":"","url":"https:\/\/www.stalex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4b051168bd2ace843d503d3432ebc4a96ac13303845197b3f2a2634cb21029f6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4b051168bd2ace843d503d3432ebc4a96ac13303845197b3f2a2634cb21029f6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stalex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stalex.cz\/wp-content\/uploads\/paul-kapischka-NLbMgDBio4Y-unsplash.jpg","url":"https:\/\/www.stalex.cz\/wp-content\/uploads\/paul-kapischka-NLbMgDBio4Y-unsplash.jpg","height":0,"width":0},"url":"https:\/\/www.stalex.cz\/jak-ziskat-hypoteku\/","about":["Finance"],"wordCount":417,"articleBody":"      Hypot\u00e9ku si i v dne\u0161n\u00ed dob\u011b bere spousta lid\u00ed. Ne\u017e si za\u017e\u00e1d\u00e1te o hypot\u00e9ku, m\u011bli byste v\u011bd\u011bt, jak\u00e9 podm\u00ednky si banka stanovuje a na co v\u0161echno se d\u00edv\u00e1 a p\u0159ihl\u00ed\u017e\u00ed, aby v\u00e1m hypot\u00e9ku schv\u00e1lila. Pokud se chcete orienta\u010dn\u011b pod\u00edvat na to, jak by mohla vypadat  https:\/\/www.info.cz\/volby\/volby-2017\/takhle-muze-vypadat-pristi-vlada-ctyri-zakladni-povolebni-scenare-jak-je-info-cz-popsalo-pred-volbami-17466.html spl\u00e1tka va\u0161\u00ed hypot\u00e9ky, m\u016f\u017eete si vyzkou\u0161et zdarma hypote\u010dn\u00ed kalkula\u010dku https:\/\/nebankovnihypoteky.net\/hypotecni-kalkulacka\/.A te\u010f se tedy poj\u010fme pod\u00edvat, co v\u0161e bere banka v potaz, pokud posuzuje va\u0161i \u017e\u00e1dost o poskytnut\u00ed hypote\u010dn\u00edho \u00fav\u011bru.Nejprve se banka zam\u011b\u0159\u00ed na v\u00e1\u0161 v\u011bk. Samoz\u0159ejm\u011b, osoby, kter\u00fdm je\u0161t\u011b nebylo 18 let, nemohou za\u017e\u00e1dat o hypot\u00e9ku. Ov\u0161em probl\u00e9m je i to, pokud je v\u00e1m v\u00fdrazn\u011b v\u00edc. Ide\u00e1ln\u00ed toti\u017e pro banky je, pokud splat\u00edte hypot\u00e9ku je\u0161t\u011b p\u0159ed n\u00e1stupem do d\u016fchodu. Splatit byste ji m\u011bli do 67 let. Jestli u\u017e jste ve starobn\u00edm d\u016fchodu, m\u016f\u017eete si samoz\u0159ejm\u011b o hypot\u00e9ku za\u017e\u00e1dat, ale po\u010d\u00edtejte s t\u00edm, \u017ee bu\u010f v\u00e1m \u017e\u00e1dost nam\u00edtnou, nebo v\u00e1m nastav\u00ed velmi kr\u00e1tk\u00e9 spl\u00e1tkov\u00e9 obdob\u00ed.D\u00e1le banka samoz\u0159ejm\u011b posuzuje va\u0161e p\u0159\u00edjmy. Pokud jste zam\u011bstnanec, budete pot\u0159ebovat od zam\u011bstnavatele potvrdit v\u00fd\u0161i p\u0159\u00edjm\u016f. Pokud jste OSV\u010c, dod\u00e1te bance da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed z posledn\u00edch dvou let. D\u00e1le se banka zam\u011b\u0159\u00ed na to, jestli nem\u00e1te z\u00e1znam v registru dlu\u017en\u00edk\u016f. V registru dlu\u017en\u00edk\u016f se ocitnete, kdy\u017e nespl\u00e1c\u00edte \u0159\u00e1dn\u011b sv\u00e9 dluhy a opozd\u00edte se se spl\u00e1tkou. Va\u0161e jm\u00e9no tam figuruje 3 roky, pokud dlu\u017e\u00edte sv\u00e9mu oper\u00e1torovi, je doba 1 rok.Samoz\u0159ejm\u011b banku zaj\u00edm\u00e1 i to, jak\u00e9 m\u00e1te dal\u0161\u00ed z\u00e1vazky. Jestli m\u00e1te spot\u0159ebitelsk\u00e9 \u00fav\u011bry a kde, jestli vyu\u017e\u00edv\u00e1te kreditn\u00edch karet, povolen\u00e9ho debetu \u2013 pokud nem\u00e1te \u017e\u00e1dn\u00e9 z\u00e1vazky a nic nevyu\u017e\u00edv\u00e1te, va\u0161e \u0161ance na z\u00edsk\u00e1n\u00ed hypot\u00e9ky se velmi zvy\u0161uje. A samoz\u0159ejm\u011b mus\u00edte m\u00edt i n\u011bjakou svou na\u0161et\u0159enou \u010d\u00e1stku. Banka v\u00e1m toti\u017e ned\u00e1 100 % pen\u011bz na pokryt\u00ed kupn\u00ed ceny. Zpravidla dostanete 80 %, n\u011bkdy se v\u00e1m m\u016f\u017ee po\u0161t\u011bstit a dostanete procent 90.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak z\u00edskat hypot\u00e9ku?","item":"https:\/\/www.stalex.cz\/jak-ziskat-hypoteku\/#breadcrumbitem"}]}]