[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hoshi.cz\/kdy-je-cesta-do-banky-zbytecna\/#Article","mainEntityOfPage":"https:\/\/www.hoshi.cz\/kdy-je-cesta-do-banky-zbytecna\/","headline":"Kdy je cesta do banky zbyte\u010dn\u00e1?","name":"Kdy je cesta do banky zbyte\u010dn\u00e1?","description":"V posledn\u00edch letech se s nab\u00eddkami nejr\u016fzn\u011bj\u0161\u00edch forem \u00fa\u010delov\u00fdch i ne\u00fa\u010delov\u00fdch hypot\u00e9k roztrhl pytel. Dokonce i nebankovn\u00ed sektor za\u010d\u00edn\u00e1 nab\u00edzet podobn\u00e9 produkty a pov\u011bt\u0161inou c\u00edl\u00ed pr\u00e1v\u011b a klientelu, kter\u00fdm z ur\u010dit\u00e9ho d\u016fvodu nebyla \u017e\u00e1dost v bance vyhov\u011bna. Hypot\u00e9ka na pozemek,... <a class=\"more-link\" href=\"https:\/\/www.hoshi.cz\/kdy-je-cesta-do-banky-zbytecna\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2020-07-18","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.hoshi.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.hoshi.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hoshi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hoshi.cz\/wp-content\/uploads\/le%C5%BE%C3%ADc%C3%AD%20mu%C5%BE.jpg","url":"https:\/\/www.hoshi.cz\/wp-content\/uploads\/le%C5%BE%C3%ADc%C3%AD%20mu%C5%BE.jpg","height":0,"width":0},"url":"https:\/\/www.hoshi.cz\/kdy-je-cesta-do-banky-zbytecna\/","about":["Pen\u00edze"],"wordCount":431,"articleBody":"     V posledn\u00edch letech se s nab\u00eddkami nejr\u016fzn\u011bj\u0161\u00edch forem \u00fa\u010delov\u00fdch i ne\u00fa\u010delov\u00fdch hypot\u00e9k roztrhl pytel. Dokonce i nebankovn\u00ed sektor za\u010d\u00edn\u00e1 nab\u00edzet podobn\u00e9 produkty a pov\u011bt\u0161inou c\u00edl\u00ed pr\u00e1v\u011b a klientelu, kter\u00fdm z ur\u010dit\u00e9ho d\u016fvodu nebyla \u017e\u00e1dost v bance vyhov\u011bna. Hypot\u00e9ka na pozemek, stavbu nebo koupi nemovitosti, p\u0159estavba, vestavba nebo n\u00e1stavba nemovitosti, zkr\u00e1tka hypot\u00e9ku si dnes m\u016f\u017eete vz\u00edt t\u00e9m\u011b\u0159 na v\u0161e. Ov\u0161em nen\u00ed v\u0161echno zlato, co se t\u0159pyt\u00ed, na to myslete p\u0159edev\u0161\u00edm. Hypot\u00e9ka se p\u0159i \u0161patn\u00e9m pl\u00e1nov\u00e1n\u00ed m\u016f\u017ee st\u00e1t b\u0159emenem t\u0159eba na cel\u00fd \u017eivot a v\u0161e je dobr\u00e9 dostate\u010dn\u011b promyslet je\u0161t\u011b p\u0159ed uv\u00e1z\u00e1n\u00edm na n\u011bkolik des\u00edtek let dop\u0159edu. Hypot\u00e9ku si pov\u011bt\u0161inou berou mlad\u00e9 man\u017eelsk\u00e9 p\u00e1ry s vidinou vlastn\u00edho bydlen\u00ed, ale ne ka\u017ed\u00fd vztah je jako z poh\u00e1dky a probl\u00e9m m\u016f\u017ee b\u00fdt r\u00e1zem na sv\u011bt\u011b. Jak\u00fd druh hypot\u00e9ky zvolit?Hypot\u00e9ka se obecn\u011b rozd\u011bluje na dva z\u00e1kladn\u00ed druhy. Na ne\u00fa\u010delov\u00e9 a \u00fa\u010delov\u00e9 hypot\u00e9ky, p\u0159itom ka\u017ed\u00e1 z nich je o trochu jin\u00e1. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, \u00fa\u010delov\u00e1 hypot\u00e9ka je striktn\u011b v\u00e1zan\u00e1 druhem vyu\u017eit\u00ed financ\u00ed a p\u0159esn\u011b vymezuje, na co mohou b\u00fdt \u010derpan\u00e9 pen\u00edze vyu\u017eity. N\u00e1sledn\u011b je nutn\u00e9 dolo\u017eit bance, \u017ee pen\u00edze byly opravdu vyu\u017eity zp\u016fsobem, kter\u00fdm smlouva o hypot\u00e9ce vym\u011b\u0159uje. Ne\u00fa\u010delov\u00e9 hypot\u00e9ky jsou v mnoha ohledech daleko benevolentn\u011bj\u0161\u00ed a s nakl\u00e1d\u00e1n\u00edm pen\u011bz m\u00e1 klient v podstat\u011b volnou ruku. Od tohoto p\u0159epychu se ale velmi \u010dasto odr\u00e1\u017e\u00ed v\u00fd\u0161e \u00faroku, kter\u00fd b\u00fdv\u00e1 u ne\u00fa\u010delov\u00fdch hypot\u00e9k o pozn\u00e1n\u00ed vy\u0161\u0161\u00ed. Jak je to s nov\u00fdm pracovn\u00edm pom\u011brem? Je mo\u017en\u00e9 \u017e\u00e1dat o hypot\u00e9ku?Pokud jste nastoupili do nov\u00e9ho zam\u011bstn\u00e1n\u00ed a \u010dek\u00e1 v\u00e1s t\u0159\u00edm\u011bs\u00ed\u010dn\u00ed zku\u0161ebn\u00ed lh\u016fta, rad\u011bji s cestou do banky pose\u010dkejte. O hypot\u00e9ku, stejn\u011b jako jin\u00e9 \u00fav\u011brov\u00e9 produkty, m\u016f\u017eete za\u017e\u00e1dat a\u017e po \u00fasp\u011b\u0161n\u00e9m zakon\u010den\u00ed zku\u0161ebn\u00ed doby a v p\u0159\u00edpad\u011b, kdy nov\u00e1 smlouva je na dobu neur\u010ditou. Jinak po\u010d\u00edtejte s t\u00edm, \u017ee je velk\u00e1 pravd\u011bpodobnost, \u017ee v bance neusp\u011bjete a \u00fav\u011br schv\u00e1len nebude.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je cesta do banky zbyte\u010dn\u00e1?","item":"https:\/\/www.hoshi.cz\/kdy-je-cesta-do-banky-zbytecna\/#breadcrumbitem"}]}]