[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.e-w.cz\/co-si-chcete-koupit\/#Article","mainEntityOfPage":"https:\/\/www.e-w.cz\/co-si-chcete-koupit\/","headline":"Co si chcete koupit?","name":"Co si chcete koupit?","description":"Kdy\u017e si budete \u017e\u00e1dat u banky o hypot\u00e9ku, budete muset dolo\u017eit \u017ee m\u00e1te nejl\u00e9pe pracovn\u00ed smlouvu na dobu neur\u010ditou, budete muset dolo\u017eit v\u0161echny svoje p\u0159\u00edjmy v\u00fddaje, a banka si ov\u011b\u0159\u00ed, zda nem\u00e1te z\u00e1znam v registru dlu\u017en\u00edk\u016f. D\u00e1le budete muset m\u00edt naspo\u0159enou \u010d\u00e1stku ve v\u00fd\u0161i 10 a\u017e 20 % z celkov\u00e9 v\u00fd\u0161e hypot\u00e9ky, stavebn\u00ed pozemek anebo […]","datePublished":"2024-09-22","dateModified":"2024-09-22","author":{"@type":"Person","@id":"https:\/\/www.e-w.cz\/author\/#Person","name":"","url":"https:\/\/www.e-w.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"e-w.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.e-w.cz\/wp-content\/uploads\/contract-6951993_640_10_10_6.jpg","url":"https:\/\/www.e-w.cz\/wp-content\/uploads\/contract-6951993_640_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.e-w.cz\/co-si-chcete-koupit\/","about":["Finance"],"wordCount":386,"articleBody":"   Kdy\u017e si budete \u017e\u00e1dat u banky o hypot\u00e9ku, budete muset dolo\u017eit \u017ee m\u00e1te nejl\u00e9pe pracovn\u00ed smlouvu na dobu neur\u010ditou, budete muset dolo\u017eit v\u0161echny svoje p\u0159\u00edjmy v\u00fddaje, a banka si ov\u011b\u0159\u00ed, zda nem\u00e1te z\u00e1znam v registru dlu\u017en\u00edk\u016f. D\u00e1le budete muset m\u00edt naspo\u0159enou \u010d\u00e1stku ve v\u00fd\u0161i 10 a\u017e 20 % z celkov\u00e9 v\u00fd\u0161e hypot\u00e9ky, stavebn\u00ed pozemek anebo d\u016fm k rekonstrukci. V dne\u0161n\u00ed dob\u011b opravdu nen\u00ed jednoduch\u00e9 hypot\u00e9ku z\u00edskat, proto\u017ee \u00faroky jsou st\u00e1le vy\u0161\u0161\u00ed a lid\u00e9 maj\u00ed stejn\u00e9 p\u0159\u00edjmy. Pomoc\u00ed hypot\u00e9ky naprost\u00e1 v\u011bt\u0161ina lid\u00ed \u0159e\u0161\u00ed prim\u00e1rn\u011b svoje bydlen\u00ed. Kdo chce v dne\u0161n\u00ed dob\u011b bydlet ve sv\u00e9m, v podstat\u011b mu nezbyde nic jin\u00e9ho ne\u017e si hypot\u00e9ku vz\u00edt. Ceny nemovitost\u00ed jsou dlouhodob\u011b extr\u00e9mn\u011b vysoko, co\u017e nut\u00ed lidi br\u00e1t si \u00fav\u011bry. Ne ka\u017ed\u00fd ale tou\u017e\u00ed po bydlen\u00ed ve sv\u00e9m, proto\u017ee jsou lid\u00e9, kter\u00fdm vyhovuje bydlen\u00ed v n\u00e1jmu. Tito lid\u00e9 si mohou vz\u00edt hypot\u00e9ku, prost\u0159ednictv\u00edm kter\u00e9 si mohou koupit nap\u0159\u00edklad luxusn\u00ed v\u016fz anebo luxusn\u00ed dovolenou. Naprost\u00e1 v\u011bt\u0161ina bank poskytuje klasick\u00e9 hypot\u00e9ky, kter\u00e9 jsou ur\u010deny k financov\u00e1n\u00ed bydlen\u00ed. M\u016f\u017eete se ale setkat s pojmem americk\u00e1 hypot\u00e9ka, kterou poskytuje sp\u00ed\u0161e nebankovn\u00ed sektor. Americk\u00e1 nebankovn\u00ed hypot\u00e9ka je speci\u00e1ln\u00ed druh \u00fav\u011bru, kter\u00fd funguje jako hypot\u00e9ka, ale kter\u00fd je ur\u010deny k \u010demukoliv. Finance, kter\u00e9 z\u00edsk\u00e1te z americk\u00e9 hypot\u00e9ky nemus\u00edte pou\u017e\u00edt na placen\u00ed bydlen\u00ed. Vzhledem k tomu \u017ee tento typ \u00fav\u011bru poskytuj\u00ed zejm\u00e9na nebankovn\u00ed spole\u010dnosti, m\u016f\u017ee b\u00fdt jednodu\u0161\u0161\u00ed tento \u00fav\u011br z\u00edskat, ale mus\u00edte si pohl\u00eddat smluvn\u00ed podm\u00ednky a tak\u00e9 si zjistit v\u00fd\u0161i \u00farok\u016f. Zpravidla u nebankovn\u00ed americk\u00e9 hypot\u00e9ky b\u00fdvaj\u00ed \u00faroky vy\u0161\u0161\u00ed. Na druhou stranu z\u00edsk\u00e1te \u00fav\u011br, kter\u00fd v\u00e1m otev\u0159e dve\u0159e t\u0159eba k n\u00e1kupu n\u011b\u010deho, o \u010dem u\u017e dlouho sn\u00edte, ale klasick\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br na n\u00e1kup nez\u00edsk\u00e1te. D\u00edky tomuto \u00fav\u011bru si m\u016f\u017eete splnit svoje sny, ale nezapom\u00ednejte na to, \u017ee jde st\u00e1le o \u00fav\u011br, kter\u00fd je nutn\u00e9 platit \u0159\u00e1dn\u011b a v\u010das.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co si chcete koupit?","item":"https:\/\/www.e-w.cz\/co-si-chcete-koupit\/#breadcrumbitem"}]}]