[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ogivi.cz\/zacarovany-kruh-kvuli-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.ogivi.cz\/zacarovany-kruh-kvuli-hypotece\/","headline":"Za\u010darovan\u00fd kruh kv\u016fli hypot\u00e9ce!","name":"Za\u010darovan\u00fd kruh kv\u016fli hypot\u00e9ce!","description":"Jak bylo uvedeno, z d\u016fvodu p\u0159edch\u00e1zen\u00ed kolapsu na hypote\u010dn\u00edm trhu, vydala \u010cNB doporu\u010den\u00ed bank\u00e1m, nevyd\u00e1vat hypot\u00e9ky na v\u00edce, ne\u017e 80…","datePublished":"2018-04-22","dateModified":"2018-04-22","author":{"@type":"Person","@id":"https:\/\/www.ogivi.cz\/author\/#Person","name":"","url":"https:\/\/www.ogivi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ogivi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ogivi.cz\/wp-content\/uploads\/img_a315719_w2270_t1526585404.jpg","url":"https:\/\/www.ogivi.cz\/wp-content\/uploads\/img_a315719_w2270_t1526585404.jpg","height":0,"width":0},"url":"https:\/\/www.ogivi.cz\/zacarovany-kruh-kvuli-hypotece\/","wordCount":463,"articleBody":"\tJak bylo uvedeno, z d\u016fvodu p\u0159edch\u00e1zen\u00ed kolapsu na hypote\u010dn\u00edm trhu, vydala \u010cNB doporu\u010den\u00ed bank\u00e1m, nevyd\u00e1vat hypot\u00e9ky na v\u00edce, ne\u017e 80 % z hodnoty nemovitosti. Pokud jste dob\u0159\u00ed vyjedn\u00e1va\u010di \u010di m\u00e1te opravdu dobr\u00e9 p\u0159\u00edjmy a celkovou bonitu, m\u016f\u017eete se dostat a\u017e na 90% hypot\u00e9ku.\u00a0 P\u0159i dne\u0161n\u00edch cen\u00e1ch bydlen\u00ed je v\u0161ak tak\u0159ka nemo\u017en\u00e9 s t\u011bmito podm\u00ednkami na hypot\u00e9ku dos\u00e1hnout.\tProto\u017ee se st\u00e1le je\u0161t\u011b vyplat\u00ed, p\u0159i uv\u00e1\u017een\u00ed v\u00fd\u0161e n\u00e1jm\u016f, hypot\u00e9k a \u00farokokv\u00fdch sazem, bydlet ve vlastn\u00edm, jde spoustu lid\u00ed hledat \u0159e\u0161en\u00ed n\u00e1hradn\u00ed, kter\u00e9mu se \u0159\u00edk\u00e1 hypot\u00e9ka na s\u00edlu. Mus\u00ed si pak 10 a\u017e 20 % z ceny nemovitosti p\u016fj\u010dit jinde. A\u0165 u\u017e vy\u0159e\u0161\u00ed situac\u00ed p\u0159eklenovac\u00edm \u00fav\u011brem, p\u016fj\u010dkou od rodiny \u010di p\u0159\u00e1tel nebo jinou nebankovn\u00ed p\u016fj\u010dkou. N\u011bkte\u0159\u00ed vol\u00ed v posledn\u00edch m\u011bs\u00edc\u00edch nebankovn\u00ed finan\u010dn\u00ed domy i pro celou hypot\u00e9ku. I kdy\u017e se zde mohou \u00faroky pohybovat na vy\u0161\u0161\u00edch \u00farovn\u00edch, ne\u017e v bank\u00e1ch, st\u00e1le se vyplat\u00ed celkov\u011b tato hypot\u00e9ka, oproti klasick\u00fdm podn\u00e1jm\u016fm.\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Praha\tPodle pr\u016fzkum\u016f, kter\u00e9 jsou dostupn\u00e9 ve\u0159ejnosti, je v moment\u00e1ln\u00ed situaci b\u011b\u017en\u00e9, \u017ee, kdy\u017e si v Praze budete cht\u00edt po\u0159\u00eddit pr\u016fm\u011brn\u00fd b\u00fdt o rozloze cca 65 m2 , mus\u00edte m\u00edt na\u0161et\u0159eno na to, abyste dos\u00e1hly na hypot\u00e9ku podle nov\u00e9 regulace \u010cNB, nejen na poplatky spojen\u00e9 s hypot\u00e9kou, ale tak\u00e9 t\u011bch 20 % z hodnoty nemovitosti, milion korun. V hlavn\u00edm m\u011bst\u011b takov\u00fd byt stoj\u00ed toti\u017e p\u0159ibli\u017en\u011b \u010dty\u0159i miliony korun.\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pardubice\tNap\u0159\u00edklad v Pardubic\u00edch po\u0159\u00edd\u00edte 3+1 v panel\u00e1kov\u00e9m dom\u011b pr\u016fm\u011brn\u011b za dva a p\u016fl milionu korun. To znamen\u00e1, \u017ee byste m\u011bli m\u00edt na\u0161et\u0159eno p\u0159ibli\u017en\u011b \u0161est set tis\u00edc korun, abyste mohli poplatit poplatky souvisej\u00edc\u00ed s koup\u00ed bytu a z\u0159\u00edzen\u00edm hypot\u00e9ky a k tomu m\u011bli t\u011bch 20 % z hodnoty nemovitosti.\tV kontextu v\u00fd\u0161e hypot\u00e9k, pen\u011bz, kter\u00e9 stoj\u00ed z\u0159\u00edzen\u00ed hypot\u00e9ky, d\u00e1le pen\u00edze kolem koup\u011b nemovitosti (odhad, z\u00e1pis do katastru nemovitost\u00ed atd…) a toho, kolik se pr\u016fm\u011brn\u011b vyd\u011bl\u00e1v\u00e1 v Pardubic\u00edch \u010di Praze, je evidentn\u00ed, \u017ee pro n\u011bkter\u00e9 je prost\u011b jedinou variantou, vz\u00edt si p\u016fj\u010dku na to, abyste dostali dal\u0161\u00ed p\u016fj\u010dku, tedy hypot\u00e9ku.\tV ka\u017ed\u00e9m p\u0159\u00edpad\u011b nen\u00ed zat\u00edm jasn\u00e9 b\u011b\u017en\u00e9mu obyvatelstvu, jestli naopak tato cesta zvolen\u00e1 \u010cNB zabr\u00e1n\u00ed \u0161patn\u00e9mu v\u00fdvoji na hypote\u010dn\u00edm trhu.                                                                                                                                                                                                                                                                                                                                                                                                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