[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aaaplus.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.aaaplus.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"P\u0159em\u00fd\u0161l\u00edte o v\u00fdstavb\u011b vysn\u011bn\u00e9ho domku, koupi nemovitosti nebo t\u0159eba o rekonstrukci sv\u00e9ho domova? Pokud je va\u0161e odpov\u011b\u010f jasn\u00e1, p\u0159ich\u00e1z\u00ed vz\u00e1p\u011bt\u00ed hned dal\u0161\u00ed ot\u00e1zka, jak budete tento z\u00e1sadn\u00ed \u017eivotn\u00ed v\u00fddaj financovat?<strong>&hellip;<\/strong>","datePublished":"2021-05-28","dateModified":"2021-05-28","author":{"@type":"Person","@id":"https:\/\/www.aaaplus.cz\/author\/#Person","name":"","url":"https:\/\/www.aaaplus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aaaplus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aaaplus.cz\/wp-content\/uploads\/maketa%20domu_3.png","url":"https:\/\/www.aaaplus.cz\/wp-content\/uploads\/maketa%20domu_3.png","height":0,"width":0},"url":"https:\/\/www.aaaplus.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Online"],"wordCount":394,"articleBody":"       P\u0159em\u00fd\u0161l\u00edte o v\u00fdstavb\u011b vysn\u011bn\u00e9ho domku, koupi nemovitosti nebo t\u0159eba o rekonstrukci sv\u00e9ho domova? Pokud je va\u0161e odpov\u011b\u010f jasn\u00e1, p\u0159ich\u00e1z\u00ed vz\u00e1p\u011bt\u00ed hned dal\u0161\u00ed ot\u00e1zka, jak budete tento z\u00e1sadn\u00ed \u017eivotn\u00ed v\u00fddaj financovat? Mo\u017en\u00e1 i vy si kladete nejr\u016fzn\u011bj\u0161\u00ed ot\u00e1zky spojen\u00e9 s hypot\u00e9kou: Dos\u00e1hnu na hypot\u00e9ku? Kdy je ten spr\u00e1vn\u00fd \u010das? Budu schopen\/a plnohodnotn\u011b spl\u00e1cet po tak dlouhou dobu? Ano, je pravda, \u017ee tak velk\u00fd z\u00e1vazek, jak\u00fdm je bezesporu hypot\u00e9ka s sebou p\u0159in\u00e1\u0161\u00ed celou \u0159adu nevy\u0159\u010den\u00fdch i vy\u0159\u010den\u00fdch ot\u00e1zek, na kter\u00e9 zn\u00e1 jen m\u00e1lokdo odpov\u011b\u010f. Snad v tomto \u010dl\u00e1nku dostanete odpov\u011b\u010f alespo\u0148 na jednu z nich\u2026O hypot\u00e9ce m\u00e1 smysl uva\u017eovat kolem t\u0159ic\u00edtkySly\u0161eli jste n\u011bkdy pojem bonita \u017eadatel? Ta je toti\u017e p\u0159i rozhodov\u00e1n\u00ed, zda \u017eadatel hypot\u00e9ku nakonec z\u00edsk\u00e1, kl\u00ed\u010dov\u00fd faktor. Bonitu ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f od v\u011bku po v\u00fd\u0161i pravideln\u00fdch p\u0159\u00edjm\u016f a\u017e p\u0159es dal\u0161\u00ed z\u00e1vazky nebo platebn\u00ed mor\u00e1lku. P\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti mimo jin\u00e9 banka sleduje v\u011bk \u017eadatel\u00e9, p\u0159\u00edpadn\u011b dal\u0161\u00edch spolu\u017eadatel\u016f. Jak u\u017e to tak b\u00fdv\u00e1, pro banku nen\u00ed v\u00fdhrou p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale ani vysok\u00fd v\u011bk. Ide\u00e1ln\u00ed je o hypot\u00e9ku \u017e\u00e1dat kolem 30 roku \u017eivota, to u\u017e m\u00e1 banka ur\u010ditou p\u0159edstavu o va\u0161em finan\u010dn\u00edm z\u00e1zem\u00ed a je schopna s celkem vysokou p\u0159esnost\u00ed vyhodnotit, jak budete schopni spl\u00e1cet. Hypot\u00e9ka sjednan\u00e1 v pom\u011brn\u011b n\u00edzk\u00e9m v\u011bku m\u00e1 tak\u00e9 tu v\u00fdhodu, \u017ee j\u00ed \u017eadatel m\u016f\u017ee spl\u00e1cet relativn\u011b dlouho. Nejvy\u0161\u0161\u00ed v\u011bkovou hranici u\u017e z\u00e1kon bl\u00ed\u017ee nespecifikuje, je tedy na intern\u00edch podm\u00ednk\u00e1ch jednotliv\u00fdch bankovn\u00edch a nebankovn\u00edch spole\u010dnost\u00ed. V\u011bt\u0161ina bank se ale \u0159\u00edd\u00ed doporu\u010den\u00edm \u010desk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 doporu\u010duje nejvy\u0161\u0161\u00ed v\u011bkovou hranici, do kter\u00e9 by m\u011bl b\u00fdt ka\u017ed\u00fd \u00fav\u011brov\u00fd produkt zcela splacen. V sou\u010dasn\u00e9 dob\u011b se pohybuje kolem 65 let. Je tak\u00e9 zapot\u0159eb\u00ed si uv\u011bdomit, zda-li i v pozd\u011bj\u0161\u00edm v\u011bku je\u0161t\u011b budete ochotni a hlavn\u011b schopni finan\u010dn\u00ed z\u00e1vazky plnohodnotn\u011b spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.aaaplus.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]