[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ignisplus.cz\/zaridit-si-hypoteku-neni-narocne\/#Article","mainEntityOfPage":"https:\/\/www.ignisplus.cz\/zaridit-si-hypoteku-neni-narocne\/","headline":"Za\u0159\u00eddit si hypot\u00e9ku nen\u00ed n\u00e1ro\u010dn\u00e9","name":"Za\u0159\u00eddit si hypot\u00e9ku nen\u00ed n\u00e1ro\u010dn\u00e9","description":"P\u0159em\u00fd\u0161l\u00edte o koupi bytu \u010di domu? Nebo pl\u00e1nujete rekonstrukci? Pokud nem\u00e1te dostatek financ\u00ed na realizaci t\u00e9to my\u0161lenky, prvn\u00ed co V\u00e1s napadne je zcela jist\u011b za\u017e\u00e1dat si o hypote\u010dn\u00ed \u00fav\u011br. To je velice z\u00e1sadn\u00ed krok. Ka\u017ed\u00fd by si prvn\u011b m\u011bl zjistit v\u0161echny pot\u0159ebn\u00e9 informace. Tak se na to poj\u010fme spole\u010dn\u011b pod\u00edvat....","datePublished":"2021-12-08","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.ignisplus.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ignisplus.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/70bfba35016f640cc40a20bdb6eeeb519f15df7de2446955eee0a1f10ed86e77?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/70bfba35016f640cc40a20bdb6eeeb519f15df7de2446955eee0a1f10ed86e77?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ignisplus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ignisplus.cz\/wp-content\/uploads\/hypoteka_w420h315_2.png","url":"https:\/\/www.ignisplus.cz\/wp-content\/uploads\/hypoteka_w420h315_2.png","height":0,"width":0},"url":"https:\/\/www.ignisplus.cz\/zaridit-si-hypoteku-neni-narocne\/","about":["Ekonomika"],"wordCount":459,"articleBody":"       P\u0159em\u00fd\u0161l\u00edte o koupi bytu \u010di domu? Nebo pl\u00e1nujete rekonstrukci? Pokud nem\u00e1te dostatek financ\u00ed na realizaci t\u00e9to my\u0161lenky, prvn\u00ed co V\u00e1s napadne je zcela jist\u011b za\u017e\u00e1dat si o hypote\u010dn\u00ed \u00fav\u011br. To je velice z\u00e1sadn\u00ed krok. Ka\u017ed\u00fd by si prvn\u011b m\u011bl zjistit v\u0161echny pot\u0159ebn\u00e9 informace. Tak se na to poj\u010fme spole\u010dn\u011b pod\u00edvat. Hypot\u00e9ku by ur\u010dit\u011b ka\u017ed\u00fd cht\u011bl z\u00edskat t\u00edm nejjednodu\u0161\u0161\u00edm zp\u016fsobem. Pojem hypot\u00e9ka bez p\u0159\u00edjmu, tak zn\u00ed \u010dasto vyhled\u00e1van\u00fd v\u00fdraz mezi klienty. Zn\u00ed to velice zaj\u00edmav\u011b, ale v dne\u0161n\u00ed dob\u011b n\u011bco takov\u00e9ho ji\u017e nen\u00ed mo\u017en\u00e9. Je to nepravdiv\u00e1 informace, kter\u00e1 mezi lidmi st\u00e1le koluje jako fakt. Jednodu\u0161e nejde, aby klient nedolo\u017eil \u017e\u00e1dn\u00fd doklad, kter\u00fdm by dok\u00e1zal, \u017ee bude schopen spl\u00e1cet. Ka\u017ed\u00fd p\u0159ece pot\u0159ebuje jistotu, \u017ee v\u0161e bude fungovat dle domluvy a dan\u00fdch podm\u00ednek. A pro poskytovatele hypot\u00e9ky to plat\u00ed dvojn\u00e1sobn\u011b. Nen\u00ed ale v\u016fbec slo\u017eit\u00e9 prok\u00e1zat, \u017ee jsme zp\u016fsobil\u00ed k \u0159\u00e1dn\u00fdm spl\u00e1tk\u00e1m. Pokud V\u00e1\u0161 p\u0159\u00edjem nen\u00ed dosta\u010duj\u00edc\u00ed a m\u00edsto V\u00e1s dolo\u017e\u00ed p\u0159\u00edjem n\u011bkdo druh\u00fd, m\u016f\u017ee s V\u00e1mi vstoupit do \u00fav\u011bru jako spoludlu\u017en\u00edk.Spot\u0159ebitelsk\u00fd vs. podnikatelsk\u00fd \u00fav\u011brSpot\u0159ebitelsk\u00e9 \u00fav\u011bry maj\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky ne\u017e ty podnikatelsk\u00e9. U podnikatelsk\u00e9ho \u00fav\u011bru nen\u00ed p\u0159ek\u00e1\u017ekou n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed. Je ale nutn\u00e9 prok\u00e1zat, \u017ee opravdu podnik\u00e1me, nesta\u010d\u00ed m\u00edt pouze zalo\u017eenou \u017eivnost. Jinak by \u00fav\u011br spadl do spot\u0159ebitelsk\u00e9ho a t\u00edm by se i zp\u0159\u00edsnili podm\u00ednky. Podnikatelsk\u00e9 p\u0159\u00edjmy lze prok\u00e1zat r\u016fzn\u00fdmi zp\u016fsoby, nap\u0159\u00edklad fakturami. Spot\u0159ebitel\u00e9 se mus\u00ed podrobit zkouman\u00ed od poskytovatele, ten na z\u00e1klad\u011b sd\u011blen\u00fdch informac\u00ed rozhodne, zda bude klient schopen spl\u00e1cet. Doklady o p\u0159\u00edjmech a v\u00fddaj\u00edch jsou nutnost\u00ed. Bude t\u0159eba dolo\u017eit pracovn\u00ed smlouvu, v\u00fdplatn\u00ed p\u00e1sky, doklady o p\u0159\u00edpadn\u00fdch d\u00e1vk\u00e1ch, kter\u00e9 pob\u00edr\u00e1me, p\u0159\u00edjmy z pron\u00e1jmu a dal\u0161\u00ed. Ale tak\u00e9 v\u00fddaje jsou nezbytn\u00e9 pro posouzen\u00ed, zda hypot\u00e9ku dostanete. Zde se uv\u00e1d\u00ed mimo jin\u00e9 bydlen\u00ed, energie, stravov\u00e1n\u00ed. V\u0161echny informace mus\u00ed b\u00fdt samoz\u0159ejm\u011b pravdiv\u00e9, jak u spot\u0159ebitelsk\u00e9ho, tak u podnikatelsk\u00e9ho \u00fav\u011bru. To n\u00e1m je ale ur\u010dit\u011b v\u0161em z\u0159ejm\u00e9. Sta\u010d\u00ed prost\u011b dodr\u017eet p\u00e1r pravidel a s hypot\u00e9kou se n\u00e1m otev\u0159ou dal\u0161\u00ed mo\u017enosti, kde se na\u0161e sny mohou st\u00e1t skute\u010dnost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Za\u0159\u00eddit si hypot\u00e9ku nen\u00ed n\u00e1ro\u010dn\u00e9","item":"https:\/\/www.ignisplus.cz\/zaridit-si-hypoteku-neni-narocne\/#breadcrumbitem"}]}]