{"id":1460,"date":"2023-08-04T10:14:22","date_gmt":"2023-08-04T08:14:22","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1460"},"modified":"2023-09-02T07:58:53","modified_gmt":"2023-09-02T05:58:53","slug":"jak-ziskat-hypoteku-bez-uspor","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-ziskat-hypoteku-bez-uspor\/","title":{"rendered":"Jak z\u00edskat 100% hypot\u00e9ku bez \u00faspor? A je to mo\u017en\u00e9?"},"content":{"rendered":"\n

Splnit si sen vlastn\u00edho bydlen\u00ed nen\u00ed \u017e\u00e1dn\u00e1 hra\u010dka, a v sou\u010dasn\u00e9 chv\u00edli to plat\u00ed dvojn\u00e1sob. Ceny nemovitost\u00ed jsou na maximech, hypote\u010dn\u00ed \u00fav\u011bry v\u00fdrazn\u011b dra\u017e\u0161\u00ed ne\u017e p\u0159ed p\u00e1r lety. Zlep\u0161en\u00ed dostupnosti bydlen\u00ed je v nedohlednu a k tomu p\u0159i\u0161la dvoucifern\u00e1 inflace a pokud v bl\u00edzk\u00e9 dob\u011b nevyhrajete v loterii, t\u011b\u017eko d\u00e1te dohromady 20 % ceny nemovitosti, abyste si mohli hypot\u00e9ku vz\u00edt. Co te\u010f? <\/p>\n\n\n\n

Je 100% hypot\u00e9ka nebo hypot\u00e9ka bez \u00faspor mo\u017en\u00e1?<\/h2>\n\n\n\n

Hypote\u010dn\u00ed \u00fav\u011br poskytuj\u00ed banky b\u011b\u017en\u011b do 80 % z\u00e1stavn\u00ed hodnoty nemovitosti, maxim\u00e1ln\u011b do v\u00fd\u0161e 90 % z\u00e1stavn\u00ed hodnoty u \u017eadatel\u016f do 36 let. Procentu\u00e1ln\u00ed vyj\u00e1d\u0159en\u00ed se v \u0159e\u010di bank\u00e9\u0159\u016f naz\u00fdv\u00e1 \u201cLTV<\/a>\u201d, nebo chcete-li \u201cloan to value\u201d. To znamen\u00e1, \u017ee obecn\u011b pot\u0159ebujete pro schv\u00e1len\u00ed hypot\u00e9ky dok\u00e1zat ze sv\u00fdch vlastn\u00edch zdroj\u016f pokr\u00fdt p\u011btinu (p\u0159\u00edpadn\u011b desetinu) z\u00e1stavn\u00ed hodnoty nemovitosti, kterou si chcete po\u0159\u00eddit. <\/p>\n\n\n\n

Pozor si d\u00e1vejte p\u0159edev\u0161\u00edm na rozd\u00edl mezi kupn\u00ed cenou a z\u00e1stavn\u00ed hodnotou nemovitosti. Banka m\u016f\u017ee stanovit cenu ni\u017e\u0161\u00ed ne\u017e je kupn\u00ed. Pr\u00e1v\u011b z odhadnut\u00e9 z\u00e1stavn\u00ed hodnoty nemovitosti pak mus\u00edte m\u00edt 20 % (p\u0159\u00edpadn\u011b 10 %), abyste hypot\u00e9ku z\u00edskali.<\/p>\n\n\n\n

\n
Chci srovnat hypot\u00e9ku<\/a><\/div>\n<\/div>\n\n\n\n

Banka si mus\u00ed ov\u011b\u0159it, \u017ee na hypot\u00e9ku m\u00e1te dostatek prost\u0159edk\u016f a budete schopni ji \u00fasp\u011b\u0161n\u011b spl\u00e1cet. T\u00edm v\u00e1s chr\u00e1n\u00ed p\u0159ed t\u00edm, \u017ee skon\u010d\u00edte bez pen\u011bz i vlastn\u00edho bydlen\u00ed. A\u0165 u\u017e si vezmete hypot\u00e9ku od jak\u00e9koliv banky, v\u017edy j\u00ed budete muset poskytnout n\u011bjakou z\u00e1ruku, \u017ee sv\u00e9 pen\u00edze uvid\u00ed zp\u011bt. Pokud bance takovou jistotu d\u00e1te, i bez \u00faspor m\u016f\u017eete s trochou odvahy hypot\u00e9ku z\u00edskat. Na druhou stranu, rizika byste si ale m\u011bli rad\u011bji po\u0159\u00e1dn\u011b promyslet. <\/p>\n\n\n\n

Mo\u017enosti, jak z\u00edskat hypot\u00e9ku bez \u00faspor<\/h2>\n\n\n\n

Pokud se vidiny vlastn\u00edho bydlen\u00ed nedok\u00e1\u017eete vzd\u00e1t, nezb\u00fdv\u00e1 v\u00e1m v p\u0159\u00edpad\u011b chyb\u011bj\u00edc\u00edch \u00faspor jin\u00e1 mo\u017enost, ne\u017e po\u017e\u00e1dat o pomoc rodinu nebo vyu\u017e\u00edt je\u0161t\u011b jin\u00fd \u00fav\u011br. <\/p>\n\n\n\n

Ciz\u00ed nemovitost v z\u00e1stav\u011b<\/h3>\n\n\n\n

U banky m\u016f\u017eete bez \u00faspor (s \u00fasp\u011bchem) za\u017e\u00e1dat o hypot\u00e9ku v p\u0159\u00edpad\u011b, \u017ee zastav\u00edte nejen po\u0159izovanou nemovitost, ale je\u0161t\u011b jednu dal\u0161\u00ed. V praxi se budete muset spol\u00e9hat na bl\u00edzk\u00e9, \u017ee v\u00e1m z\u00e1stavu jejich nemovitosti dovol\u00ed a vystav\u00ed se tak riziku jej\u00ed ztr\u00e1ty v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed \u00fav\u011bru. <\/p>\n\n\n\n

Pokud byste t\u00edmto zp\u016fsobem hypot\u00e9ku z\u00edskali, druhou nemovitost m\u016f\u017eete ze z\u00e1stavy vyv\u00e1zat ve chv\u00edli, kdy v\u00e1m na hypot\u00e9ce zb\u00fdv\u00e1 splatit 80 procent, p\u0159\u00edpadn\u011b 90 procent pro \u017eadatele do 36 let. V p\u0159\u00edpad\u011b, \u017ee naopak hypot\u00e9ku spl\u00e1cet nedok\u00e1\u017eete, v ohro\u017een\u00ed jsou ob\u011b nemovitosti. Ta, kterou jste si po\u0159\u00eddili vy, i ta, kterou v\u00e1m do z\u00e1stavy n\u011bkdo poskytl.<\/p>\n\n\n\n

Financov\u00e1n\u00ed dal\u0161\u00edm \u00fav\u011brem<\/h3>\n\n\n\n

M\u00e1te u\u017e roky stavebn\u00ed spo\u0159en\u00ed a nev\u00edte, jak ho vyu\u017e\u00edt? \u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed m\u016f\u017ee pomoci k tomu, abyste z\u00edskali dostate\u010dn\u00e9 mno\u017estv\u00ed prost\u0159edk\u016f k \u00fasp\u011b\u0161n\u00e9 \u017e\u00e1dosti o hypot\u00e9ku. \u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed sice nen\u00ed jedin\u00fd \u00fav\u011br, kter\u00fd m\u016f\u017eete vyu\u017e\u00edt, b\u00fdv\u00e1 v\u0161ak d\u00edky n\u00edzk\u00e9 \u00farokov\u00e9 sazb\u011b nejzaj\u00edmav\u011bj\u0161\u00ed. I tento zp\u016fsob z\u00edsk\u00e1n\u00ed hypot\u00e9ky ale m\u00e1 sv\u00e1 rizika – va\u0161e zat\u00ed\u017een\u00ed dv\u011bma \u00fav\u011bry m\u016f\u017ee dos\u00e1hnout takov\u00e9 m\u00edry, \u017ee je nebudete moci \u0159\u00e1dn\u011b spl\u00e1cet. <\/p>\n\n\n\n

Va\u0161i schopnost spl\u00e1cet banka p\u0159i \u017e\u00e1dosti o hypote\u010dn\u00ed \u00fav\u011br zkontroluje pomoc\u00ed ukazatele DTI<\/a> (Debt to Income). Ukazatel DTI \u0159\u00edk\u00e1, jak vysokou hypot\u00e9ku si m\u016f\u017eete vz\u00edt vzhledem ke sv\u00e9mu ro\u010dn\u00edmu p\u0159\u00edjmu. Hypote\u010dn\u00ed \u00fav\u011br z\u00edsk\u00e1te maxim\u00e1ln\u011b ve v\u00fd\u0161i 8,5n\u00e1sobku va\u0161eho ro\u010dn\u00edho p\u0159\u00edjmu, u \u017eadatel\u016f do 36 let je pak hrani\u010dn\u00ed 9,5n\u00e1sobek. Tento ukazatel se posuzuje spole\u010dn\u011b pro spolu\u017eadatele, typicky man\u017eele nebo partnery. Pokud si chcete vz\u00edt hypot\u00e9ku spole\u010dn\u011b s n\u011bk\u00fdm dal\u0161\u00edm (partnerem, man\u017eelem apod.) a dolo\u017e\u00edte rovnou dva p\u0159\u00edjmy, m\u016f\u017eete po\u017e\u00e1dat o vy\u0161\u0161\u00ed \u010d\u00e1stku. V potaz ale pak berte i v\u00fddaje nebo jin\u00e9 z\u00e1vazky druh\u00e9 osoby.   <\/p>\n\n\n\n

Na co si d\u00e1vat u hypot\u00e9ky pozor? <\/h2>\n\n\n\n

Ne\u017e za\u010dnete u stavebn\u00ed spo\u0159itelny \u017e\u00e1dat o \u00fav\u011br, spo\u010d\u00edtejte si, jak\u00e1 m\u00edra zadlu\u017een\u00ed je pro v\u00e1s \u00fanosn\u00e1 i bez ohledu na ukazatele v\u00fd\u0161e. Nezapome\u0148te, \u017ee krom\u011b spl\u00e1tek \u00fav\u011bru \u010d\u00e1st va\u0161eho p\u0159\u00edjmu podlehne dal\u0161\u00edm nutn\u00fdm v\u00fddaj\u016fm. Nap\u0159\u00edklad n\u00e1kup\u016fm potravin, faktur\u00e1m za elekt\u0159inu, plyn, vodu a dal\u0161\u00edm poplatk\u016fm. Krom\u011b toho nezapome\u0148te ani na neo\u010dek\u00e1van\u00e9 v\u00fddaje a k tomu byste je\u0161t\u011b m\u011bli uspo\u0159it p\u00e1r tis\u00edcovek na hor\u0161\u00ed \u010dasy. <\/p>\n\n\n\n

Srovnejte si hypot\u00e9ky v\u00edce bank a zjist\u011bte, kolik budete v budoucnu spl\u00e1cet. Sta\u010d\u00ed jen zadat \u00fadaje do online srovn\u00e1va\u010de. U\u017e do minuty m\u016f\u017eete prohl\u00ed\u017eet aktu\u00e1ln\u00ed nab\u00eddky i rovnou o hypot\u00e9ku za\u017e\u00e1dat. Nebojte, do banky v\u016fbec nemus\u00edte!<\/p>\n\n\n\n

\n
Chci srovnat hypot\u00e9ku<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Splnit si sen vlastn\u00edho bydlen\u00ed nen\u00ed \u017e\u00e1dn\u00e1 hra\u010dka, a v sou\u010dasn\u00e9 chv\u00edli to plat\u00ed dvojn\u00e1sob. Ceny nemovitost\u00ed jsou na maximech, hypote\u010dn\u00ed \u00fav\u011bry v\u00fdrazn\u011b dra\u017e\u0161\u00ed ne\u017e p\u0159ed p\u00e1r lety a zlep\u0161en\u00ed dostupnosti bydlen\u00ed je v nedohlednu. <\/p>\n","protected":false},"author":11,"featured_media":1462,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14,15],"tags":[52],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1460"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1460"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1460\/revisions"}],"predecessor-version":[{"id":1466,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1460\/revisions\/1466"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1462"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}