{"id":861,"date":"2023-03-16T22:22:21","date_gmt":"2023-03-16T21:22:21","guid":{"rendered":"https:\/\/finmag.info\/?p=861"},"modified":"2023-03-16T22:22:22","modified_gmt":"2023-03-16T21:22:22","slug":"hypoteka-2023-cim-vsim-muzete-bance-rucit","status":"publish","type":"post","link":"https:\/\/finmag.info\/?p=861","title":{"rendered":"Hypot\u00e9ka 2023: \u010c\u00edm v\u0161\u00edm m\u016f\u017eete bance ru\u010dit?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">P\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit kupovanou nemovitost\u00ed, pozemkem i rekrea\u010dn\u00edm objektem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berete si hypot\u00e9ku? Z\u00e1stavn\u00ed pr\u00e1vo k nemovitosti je hlavn\u00ed podm\u00ednka, kterou banka pro poskytnut\u00ed hypot\u00e9ky po\u017eaduje. Pot\u0159ebuje toti\u017e jistotu, \u017ee pen\u00edze, kter\u00e9 p\u016fj\u010d\u00ed dostane zp\u011bt. \u010c\u00edm v\u0161\u00edm ale p\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit? Lze ru\u010dit chatou, pozemkem nebo hrubou stavbou?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud \u017e\u00e1dost o hypot\u00e9ku aktu\u00e1ln\u011b \u0159e\u0161\u00edte, mo\u017en\u00e1 se v\u00e1m jednoduch\u00fd p\u0159ehled bude hodit. Tady je!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Ru\u010den\u00ed kupovanou nemovitost\u00ed (a pozemkem)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile si berete \u00fav\u011br na bydlen\u00ed, v drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f \u017e\u00e1d\u00e1te o takzvanou <strong>\u00fa\u010delovou hypot\u00e9ku<\/strong>. Tento typ hypot\u00e9ky je ur\u010den\u00fd prim\u00e1rn\u011b na po\u0159\u00edzen\u00ed bytov\u00e9 pot\u0159eby, nap\u0159\u00edklad domu, bytu nebo pozemku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i n\u00e1kupu nemovitosti d\u00e1v\u00e1te nej\u010dast\u011bji do z\u00e1stavy<strong> v\u00e1mi kupovanou nemovitost, <\/strong>tedy byt \u010di d\u016fm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ru\u010dit v\u0161ak m\u016f\u017eete i pozemkem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U ru\u010den\u00ed pozemkem si dejte pozor na n\u011bkolik v\u011bc\u00ed.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pozemek mus\u00ed b\u00fdt ur\u010den\u00fd v\u00fdhradn\u011b na stavbu.<\/li>\n\n\n\n<li>Mus\u00ed b\u00fdt zas\u00ed\u0165ovan\u00fd.<\/li>\n\n\n\n<li>Mus\u00ed k n\u011bmu v\u00e9st cesta.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud \u017e\u00e1d\u00e1te o hypot\u00e9ku na stavbu, z\u00e1stava v podob\u011b pozemku pravd\u011bpodobn\u011b nebude sta\u010dit. V tomto p\u0159\u00edpad\u011b lid\u00e9 vyu\u017e\u00edvaj\u00ed ru\u010den\u00ed nemovitost\u00ed rodi\u010d\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Ru\u010den\u00ed jinou nemovitost\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b mlad\u00ed lid\u00e9 \u010dasto ru\u010den\u00ed ciz\u00ed nemovitost\u00ed vyu\u017e\u00edvaj\u00ed. V\u011bt\u0161inou ru\u010d\u00ed nemovitost\u00ed rodi\u010d\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K tomu je pot\u0159eba z\u00e1stavn\u00ed smlouva podepsan\u00e1 majitelem a v dob\u011b ru\u010den\u00ed nen\u00ed mo\u017en\u00e9 nijak <strong>disponovat s danou nemovitost\u00ed.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dobr\u00e1 zpr\u00e1va je, \u017ee ru\u010dit druhou nemovitost\u00ed<strong> nemus\u00edte po celou dobu spl\u00e1cen\u00ed <\/strong>hypot\u00e9ky. K vyv\u00e1z\u00e1n\u00ed doch\u00e1z\u00ed po splacen\u00ed 10-20 %, pr\u016fm\u011brn\u011b okolo 4 let.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Ru\u010den\u00ed rozestav\u011bnou nemovitost\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I nedokon\u010den\u00fdm domem m\u016f\u017eete ru\u010dit. Poslou\u017e\u00ed k tomu protokoly o stavu stavby. Na jejich z\u00e1klad\u011b v\u00e1m banka <strong>postupn\u011b uvol\u0148uje pen\u00edze<\/strong> podle toho, jak stavba pokra\u010duje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hrub\u00e1 stavba mus\u00ed b\u00fdt <strong>poji\u0161t\u011bn\u00e1 <\/strong>a nesm\u00ed b\u00fdt v jin\u00e9 v z\u00e1stav\u011b. Povinnost\u00ed je tak\u00e9 dolo\u017eit kolauda\u010dn\u00ed rozhodnut\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ru\u010den\u00ed rozestav\u011bnou nemovitost\u00ed je komplikovan\u011bj\u0161\u00ed ne\u017e ru\u010den\u00ed u b\u011b\u017en\u00e9ho n\u00e1kupu. Nebojte se proto <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/hypotecni-poradenstvi\"><u>po\u017e\u00e1dat o pomoc<\/u><\/a> hypote\u010dn\u00edho specialistu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ru\u010den\u00ed rekrea\u010dn\u00edm objektem<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1te chalupu u lesa? I tou se d\u00e1 ru\u010dit!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1 to v\u0161ak p\u00e1r pravidel:<br><br><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mus\u00ed b\u00fdt ur\u010den\u00e1 k celoro\u010dn\u00edmu ob\u00fdv\u00e1n\u00ed.<\/li>\n\n\n\n<li>Mus\u00ed k&nbsp;n\u00ed b\u00fdt p\u0159ipojena voda a elekt\u0159ina.<\/li>\n\n\n\n<li>Chata mus\u00ed m\u00edt \u010d\u00edslo popisn\u00e9.<\/li>\n\n\n\n<li>Vede k n\u00ed cesta.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Stejn\u011b jako u pozemku dejte pozor na<strong> hodnotu nemovitosti.<\/strong> Hodnota chaty toti\u017e nemus\u00ed pokr\u00fdt celou z\u00e1stavu. V tom p\u0159\u00edpad\u011b budete je\u0161t\u011b pot\u0159ebovat jinou nemovitost k z\u00e1stav\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>\u010c\u00edm ru\u010dit nem\u016f\u017eete?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ru\u010dit nem\u016f\u017eete v p\u0159\u00edpad\u011b, \u017ee kupujete<strong> dru\u017estevn\u00ed byt.<\/strong> V tomto p\u0159\u00edpad\u011b kupujete jen pod\u00edl v dru\u017estvu. Pro banku tak pot\u0159ebujete potvrzen\u00ed, \u017ee dru\u017estevn\u00ed byt z\u00edsk\u00e1te do soukrom\u00e9ho vlastnictv\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud se tak stane, z\u00edsk\u00e1te hypot\u00e9ku bez ru\u010den\u00ed nemovitost\u00ed, neboli <strong>p\u0159edhypote\u010dn\u00ed \u00fav\u011br. <\/strong>Jakmile je byt p\u0159eps\u00e1n na v\u00e1s, z\u00edsk\u00e1te klasickou hypot\u00e9ku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e1le nelze ru\u010dit nemovitost\u00ed v p\u0159\u00edpad\u011b, kdy je nemovitost\u00ed<strong> ru\u010deno jinde<\/strong> nebo pokud se <strong>nemovitost nach\u00e1z\u00ed v cizin\u011b.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit kupovanou nemovitost\u00ed, pozemkem i rekrea\u010dn\u00edm objektem. Berete si hypot\u00e9ku? Z\u00e1stavn\u00ed pr\u00e1vo k nemovitosti je hlavn\u00ed podm\u00ednka, kterou banka pro poskytnut\u00ed hypot\u00e9ky po\u017eaduje. Pot\u0159ebuje toti\u017e jistotu, \u017ee pen\u00edze, kter\u00e9 p\u016fj\u010d\u00ed dostane zp\u011bt. \u010c\u00edm v\u0161\u00edm ale p\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit? Lze ru\u010dit chatou, pozemkem nebo hrubou stavbou? Pokud \u017e\u00e1dost [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":862,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-861","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"P\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit kupovanou nemovitost\u00ed, pozemkem i rekrea\u010dn\u00edm objektem. Berete si hypot\u00e9ku? Z\u00e1stavn\u00ed pr\u00e1vo k nemovitosti je hlavn\u00ed podm\u00ednka, kterou banka pro poskytnut\u00ed hypot\u00e9ky po\u017eaduje. Pot\u0159ebuje toti\u017e jistotu, \u017ee pen\u00edze, kter\u00e9 p\u016fj\u010d\u00ed dostane zp\u011bt. \u010c\u00edm v\u0161\u00edm ale p\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit? Lze ru\u010dit chatou, pozemkem nebo hrubou stavbou? 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Z\u00e1stavn\u00ed pr\u00e1vo k nemovitosti je hlavn\u00ed podm\u00ednka, kterou banka pro poskytnut\u00ed hypot\u00e9ky po\u017eaduje. Pot\u0159ebuje toti\u017e jistotu, \u017ee pen\u00edze, kter\u00e9 p\u016fj\u010d\u00ed dostane zp\u011bt. \u010c\u00edm v\u0161\u00edm ale p\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit? Lze ru\u010dit chatou, pozemkem nebo hrubou stavbou? 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Pot\u0159ebuje toti\u017e jistotu, \u017ee pen\u00edze, kter\u00e9 p\u016fj\u010d\u00ed dostane zp\u011bt. \u010c\u00edm v\u0161\u00edm ale p\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit? Lze ru\u010dit chatou, pozemkem nebo hrubou stavbou? 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Berete si hypot\u00e9ku? Z\u00e1stavn\u00ed pr\u00e1vo k nemovitosti je hlavn\u00ed podm\u00ednka, kterou banka pro poskytnut\u00ed hypot\u00e9ky po\u017eaduje. Pot\u0159ebuje toti\u017e jistotu, \u017ee pen\u00edze, kter\u00e9 p\u016fj\u010d\u00ed dostane zp\u011bt. \u010c\u00edm v\u0161\u00edm ale p\u0159i \u017e\u00e1dosti o hypot\u00e9ku m\u016f\u017eete ru\u010dit? Lze ru\u010dit chatou, pozemkem nebo hrubou stavbou? 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