[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.balchem.cz\/z-jakych-hypotek-muzete-vybirat\/#Article","mainEntityOfPage":"https:\/\/www.balchem.cz\/z-jakych-hypotek-muzete-vybirat\/","headline":"Z jak\u00fdch hypot\u00e9k m\u016f\u017eete vyb\u00edrat?","name":"Z jak\u00fdch hypot\u00e9k m\u016f\u017eete vyb\u00edrat?","description":"V \u010cesk\u00e9 republice existuj\u00ed \u010dty\u0159i z\u00e1kladn\u00ed druhy hypot\u00e9k, ze kter\u00fdch m\u016f\u017eete vyb\u00edrat. Pochopiteln\u011b se od sebe li\u0161\u00ed, a to i p\u0159esto \u017ee jsou v\u0161echny ur\u010deny pro financov\u00e1n\u00ed nemovitost\u00ed. Vrhn\u011bme se rovnou na to. Rozd\u011bleny jsou podle: \u00fa\u010delu, dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, typu spl\u00e1cen\u00ed a typu \u00faro\u010den\u00ed. V\u00edte, na co si p\u016fj\u010d\u00edte? Samotn\u00e9 druhy se d\u00e1le d\u011bl\u00ed na […]","datePublished":"2018-12-10","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.balchem.cz\/author\/#Person","name":"","url":"https:\/\/www.balchem.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"balchem.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.balchem.cz\/wp-content\/uploads\/img_a332528_w2402_t1545330562.jpg","url":"https:\/\/www.balchem.cz\/wp-content\/uploads\/img_a332528_w2402_t1545330562.jpg","height":0,"width":0},"url":"https:\/\/www.balchem.cz\/z-jakych-hypotek-muzete-vybirat\/","about":["Ekonomika"],"wordCount":467,"articleBody":"\tV \u010cesk\u00e9 republice existuj\u00ed \u010dty\u0159i z\u00e1kladn\u00ed druhy hypot\u00e9k, ze kter\u00fdch m\u016f\u017eete vyb\u00edrat. Pochopiteln\u011b se od sebe li\u0161\u00ed, a to i p\u0159esto \u017ee jsou v\u0161echny ur\u010deny pro financov\u00e1n\u00ed nemovitost\u00ed. Vrhn\u011bme se rovnou na to. Rozd\u011bleny jsou podle:\t\t\u00fa\u010delu,\t\tdokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f,\t\ttypu spl\u00e1cen\u00ed a\t\ttypu \u00faro\u010den\u00ed.\tV\u00edte, na co si p\u016fj\u010d\u00edte?Samotn\u00e9 druhy se d\u00e1le d\u011bl\u00ed na poddruhy. M\u016f\u017eete m\u00edt \u00fav\u011br \u00fa\u010delov\u00fd, ne\u00fa\u010delov\u00fd a kombinovan\u00fd. Kdy\u017e nav\u0161t\u00edv\u00edte jakoukoli banku, tak pr\u00e1v\u011b \u00fa\u010delov\u00e1 hypot\u00e9ka bude prvn\u00ed, kterou v\u00e1m nab\u00eddnou. Jedn\u00e1 se toti\u017e o nej\u010dast\u011bj\u0161\u00ed typ financov\u00e1n\u00ed nemovitost\u00ed. Poskytnou v\u00e1m ji na investici, tedy koupi, rekonstrukci \u010di v\u00fdstavbu.Ne\u00fa\u010delov\u00e9mu typu se tak\u00e9 \u0159\u00edk\u00e1 americk\u00e1 hypot\u00e9ka, kter\u00e1 je na cokoli. Poskytuj\u00ed ji bankovn\u00ed i nebankovn\u00ed spole\u010dnosti a jedin\u00e9, co k n\u00ed budete pot\u0159ebovat, jsou informace o dom\u011b \u010di bytu, kter\u00fd bude slou\u017eit jako z\u00e1stava.Kombinac\u00ed dvou p\u0159edchoz\u00edch je tzv. australsk\u00fd \u00fav\u011br. Spo\u010d\u00edv\u00e1 v tom, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed \u010d\u00e1stku si p\u016fj\u010d\u00edte, t\u00edm ni\u017e\u0161\u00ed bude va\u0161eho \u00farokov\u00e1 sazba. V\u00fdhodn\u00e9 je na n\u011bm tak\u00e9 to, \u017ee neplat\u00edte t\u00e9m\u011b\u0159 nic za jeho sjedn\u00e1n\u00ed.\tMus\u00edte dokl\u00e1dat p\u0159\u00edjem?U b\u011b\u017en\u00e9 \u00fa\u010delov\u00e9 p\u016fj\u010dky p\u0159\u00edjem bance i nebankovn\u00edmu poskytovateli dolo\u017eit mus\u00edte. Existuj\u00ed ale tak\u00e9 mo\u017enosti, kde ho p\u0159edlo\u017eit nemus\u00edte. U takov\u00fdch druh\u016f je ale nezbytn\u00e9, abyste podepsali \u010destn\u00e9 prohl\u00e1\u0161en\u00ed, \u017ee jste schopni pravideln\u011b sni\u017eovat v\u0161echny sv\u00e9 z\u00e1vazky.\tSpl\u00e1cejte podle sebeV \u010cech\u00e1ch si m\u016f\u017eete vybrat ze t\u0159\u00ed druh\u016f:\t\tanuitn\u00ed (nej\u010dast\u011bj\u0161\u00ed),\t\tprogresivn\u00ed a\t\tdegresivn\u00ed.Anuitn\u00ed spl\u00e1tka je klasick\u00e1 a zahrnuje \u00farokovou \u010d\u00e1st i samotnou spl\u00e1tku. \u010c\u00e1stka se ur\u010duje podle d\u00e9lky fixace \u00farokov\u00e9 sazby a v\u00fd\u0161kou \u00faroku, kter\u00e1 je ovlivn\u011bn\u00e1 \u010dinnost\u00ed \u010cNB. V p\u0159\u00edpad\u011b progresivn\u00ed varianty se b\u011bhem doby \u010d\u00e1stka zvy\u0161uje o pevn\u00fd koeficient. Naopak u degresivn\u00ed varianty se \u010d\u00e1stka postupn\u011b sni\u017euje.\tJak\u00e9 jsou mo\u017enosti \u00faro\u010den\u00ed?D\u00edky penzijn\u00edmu p\u0159ipoji\u0161t\u011bn\u00ed, stavebn\u00edmu spo\u0159en\u00ed \u010di kapit\u00e1lov\u00e9mu \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed m\u016f\u017eete vyu\u017e\u00edt odlo\u017een\u00e9 spl\u00e1tky s jistinou. Po celou dobu tak plat\u00edte jen \u00faroky a plat\u00edte vedlej\u0161\u00ed produkt. Kdy\u017e se na n\u011bm dostatek pen\u011bz, m\u016f\u017eete \u00fav\u011br splatit jednor\u00e1zov\u011b. Fixace \u00farokov\u00e9 sazby je klasickou mo\u017enost\u00ed, p\u0159i\u010dem\u017e b\u011b\u017en\u011b je \u00farokov\u00e1 sazba fixn\u00ed na jeden, t\u0159i, p\u011bt nebo deset let. Naopak plovouc\u00ed sazba pracuje s velice kr\u00e1tkou fixac\u00ed na den, m\u011bs\u00edc \u010di rok.                                                                                                                                                                                                                                                                                                                                                                                        3.7\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z jak\u00fdch hypot\u00e9k m\u016f\u017eete vyb\u00edrat?","item":"https:\/\/www.balchem.cz\/z-jakych-hypotek-muzete-vybirat\/#breadcrumbitem"}]}]