[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.demaster.cz\/je-skutecne-vyhodne-porizeni-vlastni-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.demaster.cz\/je-skutecne-vyhodne-porizeni-vlastni-nemovitosti\/","headline":"Je skute\u010dn\u011b v\u00fdhodn\u00e9 po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti?","name":"Je skute\u010dn\u011b v\u00fdhodn\u00e9 po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti?","description":"Zadlu\u017eenost na\u0161eho st\u00e1tu ne\u00faprosn\u011b roste, a i kdy\u017e na tuto situaci n\u00e1rodn\u00ed banka reagovala nav\u00fd\u0161en\u00edm \u00farokov\u00fdch sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f, zd\u00e1 se, \u017ee marn\u011b. Inflace r\u016fst nep\u0159est\u00e1v\u00e1 a je nejvy\u0161\u0161\u00ed v historii od vzniku samostatn\u00e9ho \u010desk\u00e9ho st\u00e1tu. Je proto pochopiteln\u00e9, \u017ee \u0159ada lid\u00ed zva\u017euje, zda je v t\u00e9to dob\u011b v\u016fbec v\u00fdhodn\u00e9 o hypot\u00e9ce uva\u017eovat. Na druhou […]","datePublished":"2022-06-18","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.demaster.cz\/author\/#Person","name":"demaster.cz\n","url":"https:\/\/www.demaster.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"demaster.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.demaster.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_10_6.jpg","url":"https:\/\/www.demaster.cz\/wp-content\/uploads\/nov%C3%BD%20domov_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.demaster.cz\/je-skutecne-vyhodne-porizeni-vlastni-nemovitosti\/","about":["Finance"],"wordCount":400,"articleBody":"   Zadlu\u017eenost na\u0161eho st\u00e1tu ne\u00faprosn\u011b roste, a i kdy\u017e na tuto situaci n\u00e1rodn\u00ed banka reagovala nav\u00fd\u0161en\u00edm \u00farokov\u00fdch sazeb hypote\u010dn\u00edch \u00fav\u011br\u016f, zd\u00e1 se, \u017ee marn\u011b. Inflace r\u016fst nep\u0159est\u00e1v\u00e1 a je nejvy\u0161\u0161\u00ed v historii od vzniku samostatn\u00e9ho \u010desk\u00e9ho st\u00e1tu. Je proto pochopiteln\u00e9, \u017ee \u0159ada lid\u00ed zva\u017euje, zda je v t\u00e9to dob\u011b v\u016fbec v\u00fdhodn\u00e9 o hypot\u00e9ce uva\u017eovat. Na druhou stranu je skoro jist\u00e9, \u017ee inflace bude i nad\u00e1le nar\u016fstat. Sjedn\u00e1n\u00ed hypot\u00e9ky u\u017e bezesporu nen\u00ed tak v\u00fdhodn\u00e9, jako tomu bylo v minulosti. Z\u00e1jem o n\u011b v\u0161ak u \u010cech\u016f nekles\u00e1, ba naopak. Podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011bruPodm\u00ednky se s ka\u017ed\u00fdm rokem m\u00edrn\u011b zp\u0159\u00eds\u0148uj\u00ed, st\u00e1le tak bohu\u017eel p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Pro ka\u017edou banku je rozhoduj\u00edc\u00ed minim\u00e1ln\u00ed v\u00fd\u0161e p\u0159\u00edjm\u016f, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, po\u010det nezaopat\u0159en\u00fdch d\u011bt\u00ed nebo dal\u0161\u00ed z\u00e1vazky v\u016f\u010di jin\u00fdm v\u011b\u0159itel\u016fm. Komplexn\u011b se jedn\u00e1 o tzv. bilanci \u017eadatele, kter\u00e1 je ovlivn\u011bna \u0159adou faktor\u016f. Banky ke ka\u017ed\u00e9mu \u017eadateli p\u0159istupuj\u00ed individu\u00e1ln\u011b a v\u0161echny po\u017eadavky \u00fav\u011bru d\u016fkladn\u011b prov\u011b\u0159uj\u00ed. Je proto pochopiteln\u00e9, \u017ee se m\u016f\u017ee jednat o del\u0161\u00ed schvalovac\u00ed proces v pr\u016fm\u011bru trvaj\u00edc\u00ed 2-3 t\u00fddny. Ne v\u017edy ale nakonec odch\u00e1z\u00ed \u017eadatel se schv\u00e1ln\u00fdm \u00fav\u011brem. Bohu\u017eel i malichernost v podob\u011b \u0161patn\u011b vypln\u011bn\u00fdch \u00fadaj\u016f, \u010di \u0161patn\u00e1 platebn\u00ed mor\u00e1lka v minulosti m\u016f\u017ee banku nakonec v\u00e9st k rozhodnut\u00ed \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout. Je v\u0161ak zapot\u0159eb\u00ed podotknout, \u017ee pokud takov\u00e1 situace nastane, nen\u00ed zapot\u0159eb\u00ed hned propadat panice. O hypote\u010dn\u00ed \u00fav\u011br je mo\u017en\u00e9 zkusit za\u017e\u00e1dat u jin\u00e9 banky, p\u0159\u00edpadn\u011b se poohl\u00e9dnout v nebankovn\u00edm sektoru. Jednou z mo\u017enost\u00ed p\u0159edstavuje americk\u00e1 nebankovn\u00ed hypot\u00e9ka, kter\u00e1 je ur\u010dena prim\u00e1rn\u011b pro rizikov\u00e9 \u017eadatele, kter\u00fdm banka odm\u00edtla p\u016fj\u010dit. Jedn\u00e1 se o ne\u00fa\u010delov\u00fd \u00fav\u011br, tud\u00ed\u017e nen\u00ed p\u0159esn\u011b ujedn\u00e1no, na co mohou b\u00fdt pen\u00edze z \u00fav\u011bru vyu\u017eity. Jedn\u00e1 se v\u0161ak o nebankovn\u00ed sektor, proto je zapot\u0159eb\u00ed po\u010d\u00edtat s m\u00edrn\u011b vy\u0161\u0161\u00ed \u00farokovou sazbou.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je skute\u010dn\u011b v\u00fdhodn\u00e9 po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti?","item":"https:\/\/www.demaster.cz\/je-skutecne-vyhodne-porizeni-vlastni-nemovitosti\/#breadcrumbitem"}]}]