[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cutstar.cz\/spravny-cas-pro-hypotecni-uver\/#Article","mainEntityOfPage":"https:\/\/www.cutstar.cz\/spravny-cas-pro-hypotecni-uver\/","headline":"Spr\u00e1vn\u00fd \u010das pro hypote\u010dn\u00ed \u00fav\u011br","name":"Spr\u00e1vn\u00fd \u010das pro hypote\u010dn\u00ed \u00fav\u011br","description":"Asi nikdo nedok\u00e1\u017ee p\u0159esn\u011b \u0159\u00edct, kdy je ten spr\u00e1vn\u00fd \u010das se upsat k n\u011bkolikalet\u00e9mu z\u00e1vazku v podob\u011b hypote\u010dn\u00edho \u00fav\u011bru. N\u00e1zory ka\u017ed\u00e9ho z n\u00e1s se budou…","datePublished":"2021-02-22","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.cutstar.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cutstar.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ee69a086fc043006d66000ff5e288b6b088fc8fa323128f3849437410a854832?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ee69a086fc043006d66000ff5e288b6b088fc8fa323128f3849437410a854832?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cutstar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cutstar.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10.jpg","url":"https:\/\/www.cutstar.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10.jpg","height":0,"width":0},"url":"https:\/\/www.cutstar.cz\/spravny-cas-pro-hypotecni-uver\/","about":["Internet"],"wordCount":393,"articleBody":"       Asi nikdo nedok\u00e1\u017ee p\u0159esn\u011b \u0159\u00edct, kdy je ten spr\u00e1vn\u00fd \u010das se upsat k n\u011bkolikalet\u00e9mu z\u00e1vazku v podob\u011b hypote\u010dn\u00edho \u00fav\u011bru. N\u00e1zory ka\u017ed\u00e9ho z n\u00e1s se budou rozch\u00e1zet o n\u011bkolik let. N\u011bkdo je schopen \u0159\u00e1dn\u011b spl\u00e1cet hypot\u00e9ku u\u017e ve 20 letech, jin\u00fd by se pro n\u00ed nerozhodl ani ve 30. P\u0159esto banky doporu\u010duj\u00ed sv\u00fdm klient\u016fm, \u017ee pokud se pro hypot\u00e9ku u\u017e rozhodnou, bylo by dobr\u00e9 to uskute\u010dnit do 35 let v\u011bku. Hypot\u00e9ku je nejlep\u0161\u00ed sjednat kolem 30 letBanky maj\u00ed na v\u0161e sv\u00e9 striktn\u00ed tabulky a podobn\u011b je tomu i s v\u011bkem \u017eadatele. Zat\u00edmco kolem 30 roku m\u00e1 \u017eadatel nejv\u011bt\u0161\u00ed \u0161ance na z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru, po 35 roku se u\u017e jeho \u0161ance ka\u017ed\u00fdm rokem sni\u017euj\u00ed. Je to vcelku pochopiteln\u00e9, pokud chceme spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br co nejd\u00e9le, vyplat\u00ed se nav\u0161t\u00edvit banku co nejd\u0159\u00edve. Po novele z\u00e1kona v roce 2006 o spot\u0159ebitelsk\u00e9m z\u00e1kon\u011b, \u010cNB doporu\u010duje v\u0161em bank\u00e1m jako nejvy\u0161\u0161\u00ed hranici pro splacen\u00ed \u00fav\u011bru 65 let. Najde se v\u0161ak cel\u00e1 \u0159ada bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 toto doporu\u010den\u00ed striktn\u011b nedodr\u017euj\u00ed. Je tedy mo\u017en\u00e9 setkat se i s vy\u0161\u0161\u00ed hranic\u00ed kolem 70 let. Je v\u0161ak v\u017edy na zv\u00e1\u017een\u00ed dlu\u017en\u00edka, zda bude schopen hypote\u010dn\u00ed \u00fav\u011br spl\u00e1cet i v postproduktivn\u00edm v\u011bku. Z toho vypl\u00fdv\u00e1, \u017ee aby m\u011bl \u017eadatel na spl\u00e1cen\u00ed alespo\u0148 dvacet let, je zapot\u0159eb\u00ed smlouvu o hypote\u010dn\u00edm \u00fav\u011bru uzav\u0159\u00edt nejpozd\u011bji ve 40 letech. Najdou se ale specifick\u00e9 \u00fav\u011brov\u00e9 produkty, kde proces schvalov\u00e1n\u00ed ovliv\u0148uj\u00ed i dal\u0161\u00ed faktory. Jedn\u00edm z nich je i hypot\u00e9ka pro podnikatele Nebankovnihypoteky.Nerozhoduje jenom v\u011bkTo, zda \u017eadateli bude nakonec \u00fav\u011br schv\u00e1len, nen\u00ed jen ot\u00e1zkou v\u011bku. Rozhoduj\u00edc\u00ed je i cel\u00e1 \u0159ada dal\u0161\u00edch faktor\u016f, kter\u00e9 dohromady tvo\u0159\u00ed bonitu \u017eadatele. Mezi tyto faktory spad\u00e1 v\u011bk respondenta, pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, dal\u0161\u00ed pohled\u00e1vky nebo negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. \u201eIde\u00e1ln\u00ed\u201c v\u011bk tak je\u0161t\u011b v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b neznamen\u00e1, \u017ee \u017eadatel na hypote\u010dn\u00ed \u00fav\u011br nakonec dos\u00e1hne.                                                                                                                                                                                                                                                                                                                                                                                                   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