[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.suelo.cz\/hypoteka-s-rucenim-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.suelo.cz\/hypoteka-s-rucenim-nemovitosti\/","headline":"Hypot\u00e9ka s ru\u010den\u00edm nemovitost\u00ed","name":"Hypot\u00e9ka s ru\u010den\u00edm nemovitost\u00ed","description":"Hypot\u00e9ka je pom\u011brn\u011b u\u017eite\u010dn\u00e1 v\u011bc. D\u00e1te do z\u00e1stavy n\u011bjakou nemovitost, kterou vlastn\u00edte nebo vlastn\u00ed t\u0159et\u00ed osoba a vstoup\u00ed s V\u00e1mi do smlouvy, a z\u00edsk\u00e1te pom\u011brn\u011b n\u00edzkou \u00farokovou sazbu a spoustu pen\u011bz, jak to ale funguje doopravdy? Jestli\u017ee m\u016f\u017eete ru\u010dit nemovitost\u00ed, je to ur\u010dit\u011b v\u00fdhodn\u011bj\u0161\u00ed, ale kolik procent vlastn\u011b za nemovitost z\u00edsk\u00e1me? Jak se z toho […]","datePublished":"2020-07-19","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.suelo.cz\/author\/#Person","name":"","url":"https:\/\/www.suelo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"suelo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.suelo.cz\/wp-content\/uploads\/v%C3%BDpo%C4%8Dty%20notebook.jpeg","url":"https:\/\/www.suelo.cz\/wp-content\/uploads\/v%C3%BDpo%C4%8Dty%20notebook.jpeg","height":0,"width":0},"url":"https:\/\/www.suelo.cz\/hypoteka-s-rucenim-nemovitosti\/","about":["Pen\u00edze"],"wordCount":416,"articleBody":"   Hypot\u00e9ka je pom\u011brn\u011b u\u017eite\u010dn\u00e1 v\u011bc. D\u00e1te do z\u00e1stavy n\u011bjakou nemovitost, kterou vlastn\u00edte nebo vlastn\u00ed t\u0159et\u00ed osoba a vstoup\u00ed s V\u00e1mi do smlouvy, a z\u00edsk\u00e1te pom\u011brn\u011b n\u00edzkou \u00farokovou sazbu a spoustu pen\u011bz, jak to ale funguje doopravdy?Jestli\u017ee m\u016f\u017eete ru\u010dit nemovitost\u00ed, je to ur\u010dit\u011b v\u00fdhodn\u011bj\u0161\u00ed, ale kolik procent vlastn\u011b za nemovitost z\u00edsk\u00e1me? Jak se z toho vypo\u010d\u00edt\u00e1 kone\u010dn\u00e1 suma? Ka\u017ed\u00fd by cht\u011bl jist\u011b dostat plnou hodnotu nemovitosti, \u010dili sto procent, to je pochopiteln\u00e9, \u017ee to by cht\u011bl ka\u017ed\u00fd, ale nen\u00ed to mo\u017en\u00e9.Hypot\u00e9ka, u kter\u00e9 byste z\u00edskali 100 % z hodnoty nemovitosti je zru\u0161en\u00e1. Takov\u00e1to forma \u00fav\u011bru ji\u017e bohu\u017eel neexistuje. Nenajdete ji ani pod jin\u00fdmi podobn\u00fdmi n\u00e1zvy. Zru\u0161en\u00e9 jsou tak\u00e9 n\u00e1zvy jako je hypot\u00e9ka na 100%, 100 % hypot\u00e9ka nebo hypot\u00e9ka na 100 https:\/\/www.hypotekybezregistru.cz\/a62-hypoteka-na-100-nebo-100-hypoteka-je-zrusena\/.Tyto informace vstoupily v platnost v roce 2017 na z\u00e1klad\u011b doporu\u010den\u00ed \u010cNB. Banky by tedy m\u011bly poskytovat maxim\u00e1ln\u011b hodnotu 90%.Pro\u010d tomu tak je? Co to zap\u0159\u00ed\u010dinilo?\u010cNB doporu\u010den\u00ed vydala na z\u00e1klad\u011b nekontrolovateln\u00e9ho r\u016fstu cen nemovitost\u00ed a tak\u00e9 na z\u00e1klad\u011b skute\u010dnosti, \u017ee si p\u016fj\u010duje ka\u017ed\u00fd, kdo v podstat\u011b m\u016f\u017ee, jenom aby z\u00edskal formou hypot\u00e9ky pln\u00fdch 100% a n\u00edzkou \u00farokovou sazbu. Tomu v\u0161emu se sna\u017eili ud\u011blat p\u0159\u00edtr\u017e.D\u00edky tomuto doporu\u010den\u00ed se omez\u00ed p\u016fj\u010dov\u00e1n\u00ed vysok\u00fdch \u010d\u00e1stek v\u0161em, kdo se cht\u011bj\u00ed zadlu\u017eit.Neporostou ani nekontrolovateln\u011b vysok\u00fdm tempem nad\u00e1le ceny nemovitost\u00ed. Praskne pomysln\u00e1 bublina. Velk\u00e1 popt\u00e1vka znamen\u00e1, \u017ee hodnota nemovitost\u00ed roste a velk\u00e1 popt\u00e1vka je uskute\u010dn\u011bna t\u00edm, \u017ee si ka\u017ed\u00fd na nemovitost m\u016f\u017ee vz\u00edt hypot\u00e9ku a z\u00edskal by pln\u00e1 procenta z jej\u00ed hodnoty a je\u0161t\u011b n\u00edzkou \u00farokovou sazbu. To ji\u017e v dne\u0161n\u00ed dob\u011b nen\u00ed mo\u017en\u00e9.Nyn\u00ed si ka\u017ed\u00fd mus\u00ed dob\u0159e rozmyslet, jestli m\u00e1 zbyl\u00fdch 10% z vlastn\u00edch zdroj\u016f a kolik si vlastn\u011b pot\u0159ebuje a chce p\u016fj\u010dit.\u010cNB nechce, aby se nad\u00e1le zvy\u0161ovaly ceny nemovitost\u00ed, kv\u016fli rostouc\u00ed popt\u00e1vce a tak je to celkem logick\u00fd krok.Trh nemovitost\u00ed a ceny by se m\u011bly stabilizovat a t\u00edm se doc\u00edl\u00ed ust\u00e1len\u00ed kompletn\u00edho trhu.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka s ru\u010den\u00edm nemovitost\u00ed","item":"https:\/\/www.suelo.cz\/hypoteka-s-rucenim-nemovitosti\/#breadcrumbitem"}]}]