[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.harsa.cz\/hypoteka-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.harsa.cz\/hypoteka-pro-kazdeho\/","headline":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","description":"Sny o vlastn\u00edm bydlen\u00ed, podnik\u00e1n\u00ed nebo t\u0159eba cestov\u00e1n\u00ed\u2026m\u00e1me je v\u0161ichni, ov\u0161em jen m\u00e1lokdo je dok\u00e1\u017ee prom\u011bnit ve skute\u010dnost. Je to mo\u017en\u00e1 pr\u00e1v\u011b kv\u016fli tomu, \u017ee k jejich uskute\u010dn\u011bn\u00ed pot\u0159ebujeme velk\u00fd obnos pen\u011bz, kter\u00fd nem\u00e1 jen tak ka\u017ed\u00fd k dispozici. Pokud se i p\u0159esto rozhodneme sen splnit, pov\u011bt\u0161inou to bez pomoci banky nep\u016fjde. Je ale pot\u0159eba […]","datePublished":"2021-05-07","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.harsa.cz\/author\/#Person","name":"harsa.cz","url":"https:\/\/www.harsa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4c6f4cec51e1a1b20d9361c6367b917eb8db239c023f88502d2833b745a358d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4c6f4cec51e1a1b20d9361c6367b917eb8db239c023f88502d2833b745a358d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"harsa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.harsa.cz\/wp-content\/uploads\/rodinn%C3%BD%20d%C5%AFm_10_7.jpg","url":"https:\/\/www.harsa.cz\/wp-content\/uploads\/rodinn%C3%BD%20d%C5%AFm_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.harsa.cz\/hypoteka-pro-kazdeho\/","about":["Finance"],"wordCount":404,"articleBody":"                                              Sny o vlastn\u00edm bydlen\u00ed, podnik\u00e1n\u00ed nebo t\u0159eba cestov\u00e1n\u00ed\u2026m\u00e1me je v\u0161ichni, ov\u0161em jen m\u00e1lokdo je dok\u00e1\u017ee prom\u011bnit ve skute\u010dnost. Je to mo\u017en\u00e1 pr\u00e1v\u011b kv\u016fli tomu, \u017ee k jejich uskute\u010dn\u011bn\u00ed pot\u0159ebujeme velk\u00fd obnos pen\u011bz, kter\u00fd nem\u00e1 jen tak ka\u017ed\u00fd k dispozici. Pokud se i p\u0159esto rozhodneme sen splnit, pov\u011bt\u0161inou to bez pomoci banky nep\u016fjde. Je ale pot\u0159eba poznamenat, \u017ee banky ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed sv\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f. Z\u00e1konn\u00e9 podm\u00ednky pro schvalov\u00e1n\u00ed \u00fav\u011br\u016f spravuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 tak naposledy u\u010dinila v dubnu lo\u0148sk\u00e9ho roku jako reakci na aktu\u00e1ln\u00ed na\u0159\u00edzen\u00ed vl\u00e1dy. D\u00e1le tak\u00e9 nov\u011b \u010cNB na\u0159izuje v\u0161em poskytovatel\u016fm \u00fav\u011br\u016f d\u016fkladnou lustraci \u017eadatele. Pokud by tak neu\u010dinily, mohlo by to pro n\u011b pozd\u011bji znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl celou smlouvu napadnout pro jej\u00ed neplatnost, a pokud by mu bylo d\u00e1no za pravdu, nad\u00e1le by spl\u00e1cel jen p\u016fj\u010denou \u010d\u00e1stku bez \u00farok\u016f a dal\u0161\u00edch poplatk\u016f. V\u011bkov\u00e1 hranice 18 let V \u010cesk\u00e9 republice m\u00e1 mo\u017enost o \u00fav\u011br za\u017e\u00e1dat ten, kdo dovr\u0161il 18 let. Nejvy\u0161\u0161\u00ed hranice pak u\u017e z\u00e1konem nijak bl\u00ed\u017ee specifikov\u00e1na nen\u00ed a jednotliv\u00ed bankovn\u00ed poskytovatel\u00e9 si j\u00ed upravuj\u00ed dle sv\u00fdch intern\u00edch podm\u00ednek. Mnoho bank se v\u0161ak orientuje podle doporu\u010den\u00ed pr\u00e1v\u011b \u010cNB, kter\u00e1 \u0159\u00edk\u00e1, \u017ee \u00fav\u011brov\u00e9 produkty by m\u011bly b\u00fdt dlu\u017en\u00edk splaceny maxim\u00e1ln\u011b do 65 let. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmyBez pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f nem\u00e1 smysl chodit do banky \u017e\u00e1dat o \u00fav\u011br, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed by toti\u017e takov\u00fd \u017eadatel ode\u0161el z banky s nepo\u0159\u00edzenou. P\u0159\u00edjmy je zapot\u0159eb\u00ed dolo\u017eit odpov\u00eddaj\u00edc\u00edm zp\u016fsobem spole\u010dn\u011b s pracovn\u00ed smlouvou. V\u011bt\u0161ina bank akceptuje pracovn\u00ed smlouvu pouze na dobu neur\u010ditou, na dobu ur\u010ditou je za n\u011bkter\u00fdch okolnost\u00ed. Z\u00edskat \u00fav\u011br v\u0161ak m\u016f\u017ee b\u00fdt probl\u00e9m pro osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9, kter\u00e9 nemaj\u00ed jistotu st\u00e1l\u00e9ho p\u0159\u00edjmu. Hypot\u00e9ka osv\u010d od nebankovn\u00ed spole\u010dnosti je tak p\u0159esn\u011b pro n\u011b!                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","item":"https:\/\/www.harsa.cz\/hypoteka-pro-kazdeho\/#breadcrumbitem"}]}]