[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.olkam.cz\/cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.olkam.cz\/cas-na-hypoteku\/","headline":"\u010cas na hypot\u00e9ku?","name":"\u010cas na hypot\u00e9ku?","description":"Vlastn\u00ed bydlen\u00ed je d\u016fle\u017eit\u00fd \u017eivotn\u00ed krok, to ale i hypot\u00e9ka, kter\u00e1 jde s t\u00edmto d\u016fle\u017eit\u00fdm krokem ruku v ruce. Bydlet ve vlastn\u00edm je nepopsateln\u00fd pocit, kone\u010dn\u011b mi nikdo nebude ur\u010dovat, … ","datePublished":"2021-03-16","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.olkam.cz\/author\/#Person","name":"","url":"https:\/\/www.olkam.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"olkam.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.olkam.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20v%20dlani_2.jpg","url":"https:\/\/www.olkam.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20v%20dlani_2.jpg","height":0,"width":0},"url":"https:\/\/www.olkam.cz\/cas-na-hypoteku\/","about":["Internet"],"wordCount":405,"articleBody":"     Vlastn\u00ed bydlen\u00ed je d\u016fle\u017eit\u00fd \u017eivotn\u00ed krok, to ale i hypot\u00e9ka, kter\u00e1 jde s t\u00edmto d\u016fle\u017eit\u00fdm krokem ruku v ruce. Bydlet ve vlastn\u00edm je nepopsateln\u00fd pocit, kone\u010dn\u011b mi nikdo nebude ur\u010dovat, co m\u016f\u017eu a nem\u016f\u017eu. Cel\u00fd interi\u00e9r si m\u016f\u017ee p\u0159etvo\u0159it k obrazu sv\u00e9mu. Tady se kone\u010dn\u011b m\u016f\u017eu c\u00edtit opravdu doma, proto\u017ee jsem doma. Jen\u017ee kdy je dobr\u00e9 tento \u017eivotn\u00ed krok uskute\u010dnit? M\u00e1m n\u011bkolik let pracovat, u\u017e\u00edvat si \u017eivota a a\u017e n\u00e1sledn\u011b se upsat k hypot\u00e9ce nebo toto rozhodnut\u00ed mus\u00edm uskute\u010dnit daleko d\u0159\u00edve? Banky v tomto ohledu maj\u00ed jasno!Pokud chcete za\u017e\u00e1dat o hypot\u00e9ku, ide\u00e1ln\u011b tak u\u010di\u0148te mezi 26 a\u017e 35 rolem \u017eivota, kdy jsou va\u0161e \u0161ance u banky nejvy\u0161\u0161\u00ed. Bankovn\u00ed instituce maj\u00ed v p\u0159\u00edpad\u011b \u00fav\u011brov\u00fdch produkt\u016f nastaven\u00e9 velmi p\u0159\u00edsn\u00e9 podm\u00ednky a jednou z nich je i v\u011bk \u017eadatele. Jak u\u017e to tak u bank b\u00fdv\u00e1, v\u00fdhodou nen\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00fd v\u011bk, no ale ani vysok\u00fd. Hypot\u00e9ka sjednan\u00e1 v mlad\u00e9m v\u011bku m\u00e1 ale \u0159adu nesporn\u00fdch v\u00fdhod. Smlouvu m\u016f\u017eete uzav\u0159\u00edt na pom\u011brn\u011b dlouhou dobu, klidn\u011b na t\u0159icet let, pokud dan\u00e1 instituce dovol\u00ed. Dob\u011b spl\u00e1cen\u00ed odpov\u00edd\u00e1 i nastaven\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek, kter\u00e9 v tomto p\u0159\u00edpad\u011b zat\u00ed\u017e\u00ed rodinn\u00fd rozpo\u010det co nejm\u00e9n\u011b. Pravideln\u00fd a stabiln\u00ed p\u0159\u00edjemPravideln\u00fd p\u0159\u00edjem je pro banku nesm\u00edrn\u011b d\u016fle\u017eit\u00fd. To samoz\u0159ejm\u011b neznamen\u00e1 jen p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, ale nap\u0159\u00edklad i ze samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti. P\u0159\u00edjmy z pron\u00e1jmu nemovitost\u00ed, soci\u00e1ln\u00edch d\u00e1vek nebo starobn\u00edho d\u016fchodu v\u0161ak mnohdy u banky jako zdroj p\u0159\u00edjmu nepochod\u00ed. Banka nenab\u00edz\u00ed jen jeden druh hypote\u010dn\u00edho \u00fav\u011bru, je celkem b\u011b\u017en\u00e1 i hypot\u00e9ka pro podnikatele. Ta je prim\u00e1rn\u011b ur\u010den\u00e1 k financov\u00e1n\u00ed vlastn\u00edho podnik\u00e1n\u00ed. Lid\u00e9, kter\u00fdm banka z n\u011bjak\u00e9ho d\u016fvodu zam\u00edtla \u00fav\u011br, v\u0161ak je\u0161t\u011b nemus\u00ed p\u0159ed\u010dasn\u011b propadat beznad\u011bji. \u0158ada nebankovn\u00edch spole\u010dnost\u00ed nab\u00edz\u00ed podobn\u011b v\u00fdhodn\u00e9 americk\u00e9 hypot\u00e9ky. Ty ov\u0161em disponuj\u00ed s o n\u011bco vy\u0161\u0161\u00edm \u00farokem a je zapot\u0159eb\u00ed ru\u010dit v\u017edy nemovitost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cas na hypot\u00e9ku?","item":"https:\/\/www.olkam.cz\/cas-na-hypoteku\/#breadcrumbitem"}]}]