[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.evate.cz\/hypoteka-ano-ci-ne\/#Article","mainEntityOfPage":"https:\/\/www.evate.cz\/hypoteka-ano-ci-ne\/","headline":"Hypot\u00e9ka ano \u010di ne","name":"Hypot\u00e9ka ano \u010di ne","description":"
 Odpov\u00eddaj\u00edc\u00ed bydlen\u00ed \u0159e\u0161\u00ed nejen mlad\u00ed lid\u00e9, ale toto t\u00e9ma se dot\u00fdk\u00e1 v\u0161ech generac\u00ed. Ceny dom\u016f, byt\u016f i pozemk\u016f v sou\u010dasn\u00e9 dob\u011b pravideln\u011b stoupaj\u00ed, p\u0159esto","datePublished":"2020-10-18","dateModified":"2023-06-07","author":{"@type":"Person","@id":"https:\/\/www.evate.cz\/author\/#Person","name":"","url":"https:\/\/www.evate.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"evate.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.evate.cz\/hypoteka-ano-ci-ne\/","wordCount":399,"articleBody":"
 Odpov\u00eddaj\u00edc\u00ed bydlen\u00ed \u0159e\u0161\u00ed nejen mlad\u00ed lid\u00e9, ale toto t\u00e9ma se dot\u00fdk\u00e1 v\u0161ech generac\u00ed. Ceny dom\u016f, byt\u016f i pozemk\u016f v sou\u010dasn\u00e9 dob\u011b pravideln\u011b stoupaj\u00ed, p\u0159esto \u017e\u00e1dost\u00ed o hypot\u00e9ky na nov\u00e9 bydlen\u00ed p\u0159ib\u00fdv\u00e1. Rekordn\u00ed n\u00e1r\u016fst nov\u00fdch \u017e\u00e1dost\u00ed je d\u00e1n samoz\u0159ejm\u011b velmi v\u00fdhodn\u00fdmi podm\u00ednkami, kter\u00e9 v sou\u010dasn\u00e9 dob\u011b na\u0161e i zahrani\u010dn\u00ed banky nab\u00edzej\u00ed.
 
 
 Jak\u00e9 je nejv\u00fdhodn\u011bj\u0161\u00ed fixa\u010dn\u00ed obdob\u00ed
 
 Krom\u011b velmi n\u00edzk\u00e9 \u00farokov\u00e9 sazby banky l\u00e1kaj\u00ed i na del\u0161\u00ed fixa\u010dn\u00ed obdob\u00ed, a to a\u017e na deset let. P\u0159esto finan\u010dn\u00ed odborn\u00edci varuj\u00ed a doporu\u010duj\u00ed nejv\u00fdhodn\u011bj\u0161\u00ed fixaci, a to na p\u011bt let. A z jak\u00e9ho d\u016fvodu? T\u00edm nejv\u00fdrazn\u011bj\u0161\u00edm je velk\u00e1 nev\u00fdhoda v p\u0159\u00edpad\u011b pot\u0159eby refinancov\u00e1n\u00ed nebo p\u0159ed\u010dasn\u00e9ho splacen\u00ed hypot\u00e9ky. B\u011bhem fixa\u010dn\u00edho obdob\u00ed se v\u00e1m m\u016f\u017ee nap\u0159\u00edklad st\u00e1t, \u017ee zjist\u00edte, \u017ee bydlen\u00ed financovan\u00e9 hypot\u00e9kou nen\u00ed nejoptim\u00e1ln\u011bj\u0161\u00ed a rad\u011bji byste hypot\u00e9ku refinancovali a koupili nap\u0159\u00edklad m\u00edsto velk\u00e9ho bytu prostorn\u00fd d\u016fm. Nebo se rozhodnete, \u017ee by pro v\u00e1s a va\u0161e bl\u00edzk\u00e9 bylo optim\u00e1ln\u011bj\u0161\u00ed bydlen\u00ed na vesnici ne\u017e ve m\u011bst\u011b a naopak. V tomto p\u0159\u00edpad\u011b byste ale museli bance zaplatit vysok\u00e9 poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky, a to a\u017e do v\u00fd\u0161e ve\u0161ker\u00fdch \u00farok\u016f vypo\u010d\u00edtan\u00fdch na celou dobu fixace. V p\u0159\u00edpad\u011b dlouhodob\u00e9 fixace na 10 let by se v\u00e1m tento krok zcela jist\u011b prodra\u017eil.
 
 Jak n\u00e1m pom\u016f\u017ee nov\u00fd z\u00e1kon
 
 Od 1. prosince tohoto roku za\u010dne platit nov\u00fd z\u00e1kon, kter\u00fd si d\u00e1v\u00e1 za \u00fakol ochr\u00e1nit klienta. Jednou z mnoha zm\u011bn bude mo\u017enost splatit hypot\u00e9ku d\u0159\u00edve, a to za podstatn\u011b ni\u017e\u0161\u00ed poplatky, ne\u017e je nyn\u00ed mo\u017en\u00e9. Dal\u0161\u00ed v\u00fdhodou je povinnost banky sd\u011blit p\u0159esn\u00e9 RPSN, kter\u00e9 zaplat\u00edte b\u011bhem spl\u00e1cen\u00ed.
 V ka\u017ed\u00e9m p\u0159\u00edpad\u011b, pokud se rozhodnete sv\u00e9 bydlen\u00ed financovat hypot\u00e9kou, je pot\u0159eba nejen si v\u0161e d\u016fkladn\u011b promyslet, ale tak\u00e9 poradit se odborn\u00edkem. Doporu\u010duje se tak\u00e9 nav\u0161t\u00edvit v\u00edce bank a zjistit, kter\u00e9 podm\u00ednky jsou pro va\u0161i situaci ty nejv\u00fdhodn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka ano \u010di ne","item":"https:\/\/www.evate.cz\/hypoteka-ano-ci-ne\/#breadcrumbitem"}]}]