[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ewcz.cz\/podminky-pro-schvaleni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.ewcz.cz\/podminky-pro-schvaleni-hypoteky\/","headline":"Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky","description":"Nen\u00ed tomu tak d\u00e1vno, kdy \u017eadatel mohl \u017e\u00e1dat o cel\u00fdch 100% hypot\u00e9ka na nemovitost. V sou\u010dasn\u00e9 dob\u011b je to ale zcela nemo\u017en\u00e9 a p\u0159ibli\u017en\u011b 30% mus\u00ed m\u00edt na\u0161et\u0159eno z vlastn\u00edch…","datePublished":"2021-05-28","dateModified":"2021-05-28","author":{"@type":"Person","@id":"https:\/\/www.ewcz.cz\/author\/#Person","name":"","url":"https:\/\/www.ewcz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ewcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ewcz.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_10_5.jpg","url":"https:\/\/www.ewcz.cz\/wp-content\/uploads\/%C4%8Dten%C3%AD%20smlouvy_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.ewcz.cz\/podminky-pro-schvaleni-hypoteky\/","about":["Internet"],"wordCount":412,"articleBody":"   Nen\u00ed tomu tak d\u00e1vno, kdy \u017eadatel mohl \u017e\u00e1dat o cel\u00fdch 100% hypot\u00e9ka na nemovitost. V sou\u010dasn\u00e9 dob\u011b je to ale zcela nemo\u017en\u00e9 a p\u0159ibli\u017en\u011b 30% mus\u00ed m\u00edt na\u0161et\u0159eno z vlastn\u00edch \u00faspor. Tento fakt v\u0161ak m\u016f\u017ee b\u00fdt pro mnoh\u00e9 p\u0159ek\u00e1\u017ekou a tak jistinu \u0159e\u0161\u00ed formou spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Podm\u00ednky bank se v sou\u010dasn\u00e9 dob\u011b st\u00e1le v\u00edce zp\u0159\u00eds\u0148uj\u00ed, kter\u00e9 se \u0159\u00edd\u00ed na\u0159\u00edzen\u00edmi \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Posledn\u00ed novela z\u00e1kona nastala v dubnu 2020, kdy reagovala na aktu\u00e1ln\u00ed celosv\u011btovou pandemii. Ceny nemovitost\u00ed v\u0161ak pandemie nikterak neochromila a i nad\u00e1le rostou p\u0159\u00edmo astronomickou rychlost\u00ed. Nen\u00ed \u017e\u00e1dn\u00fdm tajemstv\u00edm, \u017ee bydlen\u00ed v centru prahy je pro st\u0159edn\u00ed pracuj\u00edc\u00ed t\u0159\u00eddu dlouhodob\u011b nedosa\u017eiteln\u00e9. Byt\u016f je v krajsk\u00fdch m\u011bstech nedostatek a popt\u00e1vka je enormn\u00ed. Mnoho lid\u00ed tak v Praze i nad\u00e1le \u017eije v n\u00e1jemn\u00edch bytech, nebo\u0165 na hypot\u00e9ku v pln\u00e9 v\u00fd\u0161i byt\u016f mnohdy nedos\u00e1hne. Banky jsou v posledn\u00edch letech, co se t\u00fdk\u00e1 \u00fav\u011brov\u00fdch produkt\u016f st\u00e1le obez\u0159etn\u011bj\u0161\u00ed. A i kdy\u017e \u00farokov\u00e1 sazba u hypote\u010dn\u00edch \u00fav\u011br\u016f i nad\u00e1le kles\u00e1, nov\u011b reformovan\u00fd insolven\u010dn\u00ed z\u00e1kon jim v mnoh\u00fdch ohledech nejde p\u0159\u00edli\u0161 na ruku. Poj\u010fme si tedy spole\u010dn\u011b p\u0159edstavit n\u011bkolik z\u00e1kladn\u00edch podm\u00ednek pro schv\u00e1len\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f, kter\u00e9 jsou u v\u0161ech bankovn\u00edch i nebankovn\u00edch subjekt\u016f vesm\u011bs nem\u011bnn\u00e9. V\u011bkov\u00e1 hraniceMinim\u00e1ln\u00ed v\u011bkov\u00e1 hranice pro schv\u00e1len\u00ed \u017e\u00e1dosti o \u00fav\u011br je v sou\u010dasn\u00e9 dob\u011b 18 let. Nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice pak stanoven\u00e1 nen\u00ed, je ale mo\u017en\u00e9 se orientovat podle maxim\u00e1ln\u00ed v\u011bkov\u00e9 hranice, do kdy m\u00e1 b\u00fdt ka\u017ed\u00fd \u00fav\u011br splacen. Toto doporu\u010den\u00ed zavedla \u010cesk\u00e1 n\u00e1rodn\u00ed banka a v sou\u010dasn\u00e9 dob\u011b je to 65 let. Mnoho bank v\u0161ak na toto doporu\u010den\u00ed nebere z\u0159etel a \u0159\u00edd\u00ed se podle vlastn\u00edch nataven\u00fdch intern\u00edch pravidel. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemDostanu hypot\u00e9ku Fahd.cz? A dostanu j\u00ed i s minim\u00e1ln\u00edm p\u0159\u00edjmem nebo v p\u0159\u00edpad\u011b, kdy nejsem schopen sv\u016fj m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem dolo\u017eit. V bankovn\u00ed instituci rozhodn\u011b nikoliv, \u0159ada nebankovn\u00edch spole\u010dnost\u00ed je v\u0161ak v tomto ohledu benevolentn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky","item":"https:\/\/www.ewcz.cz\/podminky-pro-schvaleni-hypoteky\/#breadcrumbitem"}]}]