{"id":320,"date":"2019-08-14T12:25:36","date_gmt":"2019-08-14T10:25:36","guid":{"rendered":"http:\/\/loanstar.com\/cz\/?p=320"},"modified":"2019-08-15T17:25:00","modified_gmt":"2019-08-15T15:25:00","slug":"tipy-jak-ziskat-hypoteku-s-nejlepsimi-podminkami","status":"publish","type":"post","link":"https:\/\/loanstar.com\/cz\/tipy-jak-ziskat-hypoteku-s-nejlepsimi-podminkami\/","title":{"rendered":"Tipy jak z\u00edskat hypot\u00e9ku s nejlep\u0161\u00edmi podm\u00ednkami"},"content":{"rendered":"<h1>Tipy jak z\u00edskat hypot\u00e9ku s nejlep\u0161\u00edmi podm\u00ednkami<\/h1>\n<p><strong>Tou\u017e\u00edte po vlastn\u00edm bydlen\u00ed? D\u016fm se zahradou \u010di byt v centru m\u011bsta s balk\u00f3nem pln\u00fdm rozkvetl\u00fdch tulip\u00e1n\u016f? Oboje m\u016f\u017ee b\u00fdt va\u0161e! \u00darokov\u00e9 m\u00edry jsou v sou\u010dasn\u00e9 dob\u011b n\u00edzk\u00e9, ceny nemovitost\u00ed dostupn\u00e9 a pro za\u010d\u00e1tek bude ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f sta\u010dit 15-20 % vlastn\u00edho kapit\u00e1lu. D\u016fle\u017eit\u00e9 je p\u0159ipravit se na mo\u017enost zm\u011bny \u00farok\u016f na trhu a obt\u00ed\u017en\u011bj\u0161\u00ed podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9k. Myslete na st\u00e1\u0159\u00ed a zajist\u011bte sebe i sv\u00e9 d\u011bti pomoc\u00ed koup\u011b vlastn\u00ed nemovitosti.<\/strong><\/p>\n<blockquote><p>80% zaji\u0161t\u011bn\u00ed znamen\u00e1, \u017ee pot\u0159ebujete 20 % hodnoty nemovitosti financovat z vlastn\u00edch prost\u0159edk\u016f \u010di d\u00e1t jinou nemovitost do z\u00e1stavy.<\/p><\/blockquote>\n<h2>Co je hypot\u00e9ka<\/h2>\n<p>Hypot\u00e9ka neboli <strong>hypote\u010dn\u00ed \u00fav\u011br<\/strong> je \u00fav\u011br se z\u00e1stavn\u00edm pr\u00e1vem k nemovitosti. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f b\u00fdv\u00e1 hypot\u00e9ka spl\u00e1cena m\u011bs\u00ed\u010dn\u011b, kdy v\u00fd\u0161e spl\u00e1tek z\u016fst\u00e1v\u00e1 stejn\u00e1, m\u011bn\u00ed se pouze <strong>pod\u00edl \u00faroku<\/strong> a <strong>spl\u00e1tky jistiny<\/strong>. Tento typ spl\u00e1tek se naz\u00fdv\u00e1 anuitn\u00ed. O v\u00fdhod\u00e1ch a nev\u00fdhod\u00e1ch hypote\u010dn\u00edho \u00fav\u011bru si m\u016f\u017eete v\u00edce p\u0159e\u010d\u00edst na na\u0161ich <a href=\"http:\/\/loanstar.com\/cz\/pujcky\/hypoteky\/\">str\u00e1nk\u00e1ch<\/a>.<\/p>\n<p>\u010casto se u hypote\u010dn\u00edch \u00fav\u011br\u016f jako z\u00e1stava vyu\u017e\u00edv\u00e1 financovan\u00e1 nemovitost, ale nen\u00ed to nutnost\u00ed. \u017dadatel m\u016f\u017ee <strong>ru\u010dit i jin\u00fdm objektem<\/strong>. Hypote\u010dn\u00ed \u00fav\u011br m\u016f\u017ee z\u00edskat v \u010cesk\u00e9 republice fyzick\u00e1 i pr\u00e1vnick\u00e1 osoba. Hypot\u00e9ka je na rozd\u00edl od jin\u00fdch \u00fav\u011brem <strong>\u00fa\u010delov\u00fdm<\/strong>, nej\u010dast\u011bji se vyu\u017e\u00edv\u00e1 k n\u00ed\u017ee uveden\u00fdm \u00fa\u010del\u016fm:<\/p>\n<ul>\n<li>n\u00e1kup nemovitosti do <strong>osobn\u00edho vlastnictv\u00ed<\/strong><\/li>\n<li>financov\u00e1n\u00ed rekonstrukce a v\u00fdstavba nemovitosti<\/li>\n<li>n\u00e1kup dru\u017estevn\u00edho pod\u00edlu nebo vypo\u0159\u00e1d\u00e1n\u00ed pod\u00edl\u016f<\/li>\n<li><strong>refinancov\u00e1n\u00ed<\/strong> star\u0161\u00ed hypot\u00e9ky<\/li>\n<li>konsolidace p\u016fj\u010dek<\/li>\n<\/ul>\n<p>Co je pot\u0159eba k <strong>vypln\u011bn\u00ed \u017e\u00e1dosti<\/strong> o hypote\u010dn\u00ed \u00fav\u011br?<\/p>\n<ul>\n<li>v\u011bk 18+<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>ob\u010danstv\u00ed \u010cesk\u00e9 republiky (p\u0159\u00edpadn\u011b trval\u00fd pobyt)<\/li>\n<li>dostate\u010dn\u00e1 v\u00fd\u0161e p\u0159\u00edjm\u016f<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>dobr\u00e1 platebn\u00ed historie<\/li>\n<\/ul>\n<p>Na jak\u00e9 v\u00fddaje se ve spojen\u00ed s vy\u0159izov\u00e1n\u00ed hypot\u00e9ky p\u0159ipravit? V\u011bt\u0161ina \u017eadatel\u016f o hypote\u010dn\u00ed \u00fav\u011br zapom\u00edn\u00e1 zapo\u010d\u00edtat do vlastn\u00edch p\u0159edb\u011b\u017en\u00fdch kalkulac\u00ed tak\u00e9 <strong>v\u00fddaje<\/strong>, kter\u00e9 nastanou v souvislosti s <strong>dokumentac\u00ed<\/strong> ohledn\u011b dan\u00e9 nemovitosti:<\/p>\n<ul>\n<li>dokumentace na katastr\u00e1ln\u00edm \u00fa\u0159ad\u011b: 2 000 K\u010d<\/li>\n<li>odhad ceny bytu: 3 900 K\u010d<\/li>\n<li>odhad ceny domu: 4 900 K\u010d<\/li>\n<\/ul>\n<div id=\"attachment_342\" style=\"width: 510px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-342\" decoding=\"async\" loading=\"lazy\" class=\"wp-image-342\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147.jpg\" alt=\"\" width=\"500\" height=\"332\" srcset=\"https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147.jpg 1000w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-300x199.jpg 300w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-768x510.jpg 768w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-196x130.jpg 196w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-392x260.jpg 392w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-152x101.jpg 152w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-304x202.jpg 304w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-165x110.jpg 165w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-151x100.jpg 151w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_206266147-168x112.jpg 168w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><p id=\"caption-attachment-342\" class=\"wp-caption-text\">D\u00edky hypot\u00e9ce si m\u016f\u017eete po\u0159\u00eddit vysn\u011bn\u00fd byt \u010di rodinn\u00fd d\u016fm!<\/p><\/div>\n<h2>Hypot\u00e9ka krok za krokem<span class=\"Apple-converted-space\">\u00a0<\/span><\/h2>\n<p>Jak\u00e9 kroky je tedy t\u0159eba u\u010dinit p\u0159ed, v pr\u016fb\u011bhu a po \u010derp\u00e1n\u00ed hypot\u00e9ky? Vy\u0159\u00edzen\u00ed hypot\u00e9ky trv\u00e1 zhruba <strong>15-20 dn\u00ed<\/strong>. Pro jednoduchost jsme <strong>postup vy\u0159\u00edzen\u00ed hypote\u010dn\u00edho \u00fav\u011bru<\/strong> shrnuli do 5 krok\u016f:<\/p>\n<ol>\n<li>dokumentace<\/li>\n<li>schv\u00e1len\u00ed hypot\u00e9ky<\/li>\n<li>podpis smlouvy<\/li>\n<li>\u010derp\u00e1n\u00ed hypot\u00e9ky<\/li>\n<li>pln\u011bn\u00ed podm\u00ednek pro \u010derp\u00e1n\u00ed<\/li>\n<\/ol>\n<h4>Pot\u0159ebn\u00e9 dokumenty<\/h4>\n<p>Jak\u00e9 dokumenty budete vy (a v\u00e1\u0161 partner \u010di partnerka) pot\u0159ebovat pro <strong>vy\u0159\u00edzen\u00ed hypot\u00e9ky<\/strong>?<\/p>\n<ul>\n<li>2 doklady toto\u017enosti<\/li>\n<li>doklad o va\u0161ich p\u0159\u00edjmech<\/li>\n<li>n\u00e1vrh kupn\u00ed smlouvy nebo kopii p\u016fvodn\u00ed \u00fav\u011brov\u00e9 smlouvy<\/li>\n<li>doklad prokazuj\u00edc\u00ed v\u00fd\u0161i vlastn\u00edho kapit\u00e1lu<\/li>\n<li>odhad ceny zastavovan\u00e9 nemovitosti (ne star\u0161\u00ed ne\u017e 10 let)<\/li>\n<li>pojistnou smlouvu zastavovan\u00e9 nemovitosti<\/li>\n<\/ul>\n<p>Dal\u0161\u00ed postup a trv\u00e1n\u00ed jednotliv\u00fdch krok\u016f se li\u0161\u00ed od banky k bance. Ve zjednodu\u0161en\u00e9 form\u011b se jedn\u00e1 o <strong>dolo\u017een\u00ed podepsan\u00fdch dokument\u016f<\/strong> jako nap\u0159\u00edklad <strong>kupn\u00ed smlouvy<\/strong>, ze kter\u00e9 je patrn\u00e9, \u017ee jste p\u016fj\u010den\u00e9 pen\u00edze pou\u017eili opravdu na koupi dan\u00e9 nemovitosti. D\u00e1le je nutn\u00e9 dolo\u017eit, \u017ee do\u0161lo na katastr\u00e1ln\u00edm \u00fa\u0159ad\u011b k <strong>p\u0159evodu na nov\u00e9ho vlastn\u00edka<\/strong>.<\/p>\n<h2>Jak vybrat nejlep\u0161\u00ed nab\u00eddku hypot\u00e9ky<\/h2>\n<p>Je dobr\u00e9 v\u00e9st jedn\u00e1n\u00ed o hypote\u010dn\u00edm \u00fav\u011bru s v\u00edce bankami najednou. D\u00edky tomu budete m\u00edt p\u0159ehled o nejlep\u0161\u00edch <strong>sazb\u00e1ch, akc\u00edch a slev\u00e1ch<\/strong>. Nab\u00eddky bank se na prvn\u00ed pohled p\u0159i porovn\u00e1n\u00ed procent zdaj\u00ed velmi podobn\u00e9. Ale jakmile si <strong>procenta \u00farok\u016f i RPSN<\/strong> vy\u010d\u00edsl\u00edte a spo\u010d\u00edt\u00e1te si o kolik \u00fav\u011br p\u0159eplat\u00edte nap\u0159\u00edklad za 20 let, tak zjist\u00edte, \u017ee se nab\u00eddky bank li\u0161\u00ed o des\u00edtky \u010di stovky tis\u00edc korun.<\/p>\n<h4>Co je to \u00farok?<\/h4>\n<blockquote><p>\u00darok p\u0159edstavuje <strong>odm\u011bnu za poskytnut\u00ed \u00fav\u011bru<\/strong>. Je vyj\u00e1d\u0159en v procentech na ur\u010dit\u00e9 obdob\u00ed z celkov\u00e9 \u010d\u00e1stky \u00fav\u011bru. Zpravidla se jedn\u00e1 o 1 rok (p.a. = per annum).<\/p><\/blockquote>\n<h4>Co je to RPSN?<\/h4>\n<blockquote><p>Ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f (RPSN) ud\u00e1v\u00e1 procentu\u00e1ln\u00ed pod\u00edl z dlu\u017en\u00e9 \u010d\u00e1stky, kter\u00fd <strong>spot\u0159ebitel zaplat\u00ed za 1 rok<\/strong> v souvislosti se spl\u00e1tkami, spr\u00e1vou a dal\u0161\u00edmi v\u00fddaji spojen\u00fdmi s \u010derp\u00e1n\u00edm \u00fav\u011bru.<\/p><\/blockquote>\n<h2>Reprezentativn\u00ed p\u0159\u00edklad hypot\u00e9ky<\/h2>\n<p>P\u016fj\u010dovan\u00e1 \u010d\u00e1stka: 4 000 000 K\u010d<\/p>\n<p>Pevn\u00e1 sazba s fixac\u00ed na 5 let: 2,79 %<\/p>\n<p>RPSN: 2,85 %<\/p>\n<table style=\"height: 144px\" border=\"0\" width=\"488\" cellspacing=\"0\">\n<colgroup width=\"488\"><\/colgroup>\n<colgroup width=\"488\"><\/colgroup>\n<colgroup width=\"488\"><\/colgroup>\n<tbody>\n<tr>\n<td style=\"text-align: center\" align=\"left\" height=\"23\"><strong>Doba spl\u00e1cen\u00ed<\/strong><\/td>\n<td style=\"text-align: center\" align=\"left\"><strong>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka<\/strong><\/td>\n<td style=\"text-align: center\" align=\"left\"><strong>Celkem zaplat\u00edte<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\" align=\"right\" height=\"23\">15 let<\/td>\n<td style=\"text-align: center\" align=\"left\">27 242 K\u010d<\/td>\n<td style=\"text-align: center\" align=\"right\">4 910 640 K\u010d<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\" align=\"right\" height=\"23\">20 let<\/td>\n<td style=\"text-align: center\" align=\"left\">21 783 K\u010d<\/td>\n<td style=\"text-align: center\" align=\"right\">5 234 820 K\u010d<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\" align=\"right\" height=\"23\">25 let<\/td>\n<td style=\"text-align: center\" align=\"left\">18 550 K\u010d<\/td>\n<td style=\"text-align: center\" align=\"right\">5 571 900 K\u010d<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center\" align=\"right\" height=\"23\">30 let (max)<\/td>\n<td style=\"text-align: center\" align=\"left\">16 429 K\u010d<\/td>\n<td style=\"text-align: center\" align=\"right\">5 921 340 K\u010d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Jak\u00fd z t\u011bchto \u010d\u00edsel tedy vypl\u00fdv\u00e1 z\u00e1v\u011br? P\u0159em\u00fd\u0161l\u00edte o hypot\u00e9ce? Ano, vezm\u011bte si ji. Ale! Sna\u017ete se pou\u017e\u00edt do za\u010d\u00e1tku co nejv\u00edce vlastn\u00edho kapit\u00e1lu a splatit hypot\u00e9ku co nejrychleji. Pro konkr\u00e9tn\u00ed v\u00fdpo\u010det hypot\u00e9ky m\u016f\u017eete pou\u017e\u00edt <a href=\"https:\/\/kalkulacky.idnes.cz\/kalkulacky.aspx?typ=hypotecni\">hypote\u010dn\u00ed kalkula\u010dku<\/a>.<\/p>\n<h2>P\u00e1r rad na z\u00e1v\u011br<\/h2>\n<ul>\n<li>Mnoho bank nab\u00edz\u00ed slevu, pokud budete v\u00e9st b\u011b\u017en\u00fd bankovn\u00ed \u00fa\u010det u stejn\u00e9 banky, od kter\u00e9 m\u00e1te hypot\u00e9ku.<\/li>\n<li>Pozorn\u011b si propo\u010d\u00edtejte ,,v\u00fdhodnost\u201d p\u016fj\u010dky, kterou refinancujete p\u0159edchoz\u00ed hypot\u00e9ku. Opravdu je v\u00fdhodn\u011bj\u0161\u00ed? Zapo\u010d\u00edtali jste i poplatek za zprost\u0159edkov\u00e1n\u00ed nov\u00e9ho \u00fav\u011bru \u010di pen\u00e1le za p\u0159ed\u010dasn\u00e9 splacen\u00ed star\u0161\u00edho \u00fav\u011bru?<\/li>\n<li>Nezapome\u0148te porovnat tak\u00e9 v\u00fd\u0161i \u00farok\u016f a poplatk\u016f z prodlen\u00ed. N\u011bkdy se m\u016f\u017ee st\u00e1t, \u017ee dan\u00fd m\u011bs\u00edc nebudete m\u00edt na spl\u00e1tku. Jak\u00e9 poplatky m\u00e1 v\u00e1\u0161 budouc\u00ed v\u011b\u0159itel nastaveny?<\/li>\n<li>\u00darokovou m\u00edru fixujete u v\u011bt\u0161iny poskytovatel\u016f hypot\u00e9k pouze na 5 let. Po\u010d\u00edtejte s nejhor\u0161\u00edm a vy\u010d\u00edslete si va\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku v p\u0159\u00edpad\u011b \u00faroku o p\u00e1r procent vy\u0161\u0161\u00ed.<\/li>\n<\/ul>\n<div id=\"attachment_341\" style=\"width: 510px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-341\" decoding=\"async\" loading=\"lazy\" class=\"wp-image-341\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613.jpg\" alt=\"\" width=\"500\" height=\"333\" srcset=\"https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613.jpg 1000w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-300x200.jpg 300w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-768x511.jpg 768w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-195x130.jpg 195w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-390x260.jpg 390w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-152x101.jpg 152w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-303x202.jpg 303w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-165x110.jpg 165w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-150x100.jpg 150w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_684330613-168x112.jpg 168w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><p id=\"caption-attachment-341\" class=\"wp-caption-text\">S hypot\u00e9kou si zajist\u00edte klidn\u00e9 st\u00e1\u0159\u00ed ve vlastn\u00edm bydlen\u00ed a zaopat\u0159\u00edte i sv\u00e9 d\u011bti.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Tou\u017e\u00edte po vlastn\u00edm bydlen\u00ed? D\u016fm se zahradou \u010di byt v centru m\u011bsta s balk\u00f3nem pln\u00fdm rozkvetl\u00fdch tulip\u00e1n\u016f? Oboje m\u016f\u017ee b\u00fdt va\u0161e! \u00darokov\u00e9 m\u00edry jsou v sou\u010dasn\u00e9 dob\u011b n\u00edzk\u00e9 a ceny nemovitost\u00ed dostupn\u00e9.<\/p>\n","protected":false},"author":31,"featured_media":340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[18,15,19,11,17,14,16],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tipy jak z\u00edskat hypot\u00e9ku s nejlep\u0161\u00edmi podm\u00ednkami - LoanStar \u010cesk\u00e1 republika<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/loanstar.com\/cz\/tipy-jak-ziskat-hypoteku-s-nejlepsimi-podminkami\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tipy jak z\u00edskat hypot\u00e9ku s nejlep\u0161\u00edmi podm\u00ednkami - LoanStar \u010cesk\u00e1 republika\" \/>\n<meta property=\"og:description\" content=\"Tou\u017e\u00edte po vlastn\u00edm bydlen\u00ed? D\u016fm se zahradou \u010di byt v centru m\u011bsta s balk\u00f3nem pln\u00fdm rozkvetl\u00fdch tulip\u00e1n\u016f? 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