[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kcms.cz\/realizace-snu-o-vlastnim-bydleni-muze-byt-narocna\/#Article","mainEntityOfPage":"https:\/\/www.kcms.cz\/realizace-snu-o-vlastnim-bydleni-muze-byt-narocna\/","headline":"Realizace snu o vlastn\u00edm bydlen\u00ed m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e1","name":"Realizace snu o vlastn\u00edm bydlen\u00ed m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e1","description":"Mnoho lid\u00ed tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, kolika z nich se tento sen ov\u0161em poda\u0159\u00ed prom\u011bnit ve skute\u010dnost, je v\u011bc druh\u00e1. […]","datePublished":"2021-05-28","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kcms.cz\/author\/#Person","name":"","url":"https:\/\/www.kcms.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kcms.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kcms.cz\/wp-content\/uploads\/d%C5%AFm%20na%20prodej_1.jpg","url":"https:\/\/www.kcms.cz\/wp-content\/uploads\/d%C5%AFm%20na%20prodej_1.jpg","height":0,"width":0},"url":"https:\/\/www.kcms.cz\/realizace-snu-o-vlastnim-bydleni-muze-byt-narocna\/","about":["Finance"],"wordCount":405,"articleBody":"       Mnoho lid\u00ed tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, kolika z nich se tento sen ov\u0161em poda\u0159\u00ed prom\u011bnit ve skute\u010dnost, je v\u011bc druh\u00e1. Ceny nemovitost\u00ed rostou doslova mrknut\u00edm oka a cena v\u011bt\u0161iny z nich se ud\u00e1v\u00e1 v \u0159\u00e1dech milion\u016f. Spole\u010dn\u011b s nar\u016fstaj\u00edc\u00ed cenou nemovitost\u00ed, roste i n\u00e1ro\u010dnost podm\u00ednek hypote\u010dn\u00edch \u00fav\u011br\u016f, kter\u00e9 mus\u00ed \u017eadatel splnit. I kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky mus\u00ed bojovat doslova o ka\u017ed\u00e9ho nov\u00e9ho klienta, roste i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Za vinou hledejme novelu z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kterou s ur\u010ditou pravidelnost\u00ed aktualizuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Naposledy tak u\u010dinila v dubnu 2020, kdy reagovala na aktu\u00e1ln\u00ed na\u0159\u00edzen\u00ed vl\u00e1dy o prob\u00edhaj\u00edc\u00ed pandemii. Od t\u00e9 doby je tomu u\u017e v\u00edce ne\u017e rok a podm\u00ednky se znovu m\u011bn\u00ed a pro nov\u00e9 \u017eadatele nev\u011bst\u00ed nic dobr\u00e9ho. V prvn\u00ed \u0159ad\u011b bychom si m\u011bli p\u0159ipomenout pomyslnou hranici 70%. To je maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky, kterou je mo\u017en\u00e9 \u010derpat na nemovitost. Zbyl\u00fdch 30% mus\u00ed m\u00edt \u017eadatel na\u0161et\u0159eno z vlastn\u00edch \u00faspor. Nov\u011b nastaven\u00e9 podm\u00ednky maj\u00ed prim\u00e1rn\u011b chr\u00e1nit samotn\u00e9 v\u011b\u0159itele, ale i m\u00e9n\u011b finan\u010dn\u011b gramotn\u00e9 dlu\u017en\u00edky. Za zam\u00edtnut\u00fdm \u00fav\u011brem hledejme tak sp\u00ed\u0161e slo\u017eitou legislativu ne\u017e neochotu bank p\u016fj\u010dovat. D\u016fle\u017eit\u00e1 je i lustrace samotn\u00fdch \u017eadatel\u016f. Indik\u00e1torem spl\u00e1cen\u00ed je v tomto p\u0159\u00edpad\u011b bonita \u017eadatele, jej\u00edch\u017e v\u00fd\u0161e ur\u010duje, zda bude schopen \u017eadatel spl\u00e1cet sv\u00e9 pohled\u00e1vky v\u016f\u010di v\u011b\u0159iteli (bance). Pokud by banka tento postup nedodr\u017eela, mohlo by to pro n\u00ed znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by nemusel spl\u00e1cet \u00farokovou sazbu ani dal\u0161\u00ed poplatky a vyp\u016fj\u010denou sumu by spl\u00e1cel dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Pokud v\u00e1m v bance \u00fav\u011br zam\u00edtli, je\u0161t\u011b nen\u00ed pot\u0159eba propadat beznad\u011bji. Nebankovn\u00ed spole\u010dnosti krom\u011b rychl\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f nab\u00edz\u00ed i tzv. americkou hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Nebankovn\u00ed spole\u010dnosti jsou v mnoh\u00fdch ohledech ke sv\u00fdm \u017eadatel\u016fm benevolentn\u011bj\u0161\u00ed a nab\u00edz\u00ed \u00fav\u011br i t\u011bm, kte\u0159\u00ed v bance neusp\u011bj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Realizace snu o vlastn\u00edm bydlen\u00ed m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e1","item":"https:\/\/www.kcms.cz\/realizace-snu-o-vlastnim-bydleni-muze-byt-narocna\/#breadcrumbitem"}]}]