[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.demorss.cz\/lze-ziskat-hypoteku-bez-vlastnich-uspor\/#Article","mainEntityOfPage":"https:\/\/www.demorss.cz\/lze-ziskat-hypoteku-bez-vlastnich-uspor\/","headline":"Lze z\u00edskat hypot\u00e9ku bez vlastn\u00edch \u00faspor?","name":"Lze z\u00edskat hypot\u00e9ku bez vlastn\u00edch \u00faspor?","description":"Jak z\u00edskat hypot\u00e9ku? Na hypot\u00e9ku c\u00edl\u00ed \u0159ada mlad\u00fdch lid\u00ed, kte\u0159\u00ed si cht\u011bj\u00ed splnit sen o vlastn\u00edm bydlen\u00ed. Tady ov\u0161em nast\u00e1v\u00e1 jeden z\u00e1sadn\u00ed probl\u00e9m, kter\u00fd je zapot\u0159eb\u00ed zm\u00ednit. Ke schv\u00e1len\u00ed hypot\u00e9ky je zapot\u0159eb\u00ed zaplatit minim\u00e1ln\u011b 10% z ceny nemovitosti z vlastn\u00ed kapsy. Pro mnoh\u00e9 tak velk\u00fd finan\u010dn\u00ed obnos m\u016f\u017ee b\u00fdt p\u0159ek\u00e1\u017ekou. A p\u0159esto\u017ee ofici\u00e1ln\u00ed formou v\u011bt\u0161ina […]","datePublished":"2021-02-19","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.demorss.cz\/author\/#Person","name":"","url":"https:\/\/www.demorss.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"demorss.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.demorss.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10.jpg","url":"https:\/\/www.demorss.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20od%20domu_10.jpg","height":0,"width":0},"url":"https:\/\/www.demorss.cz\/lze-ziskat-hypoteku-bez-vlastnich-uspor\/","about":["Ekonomika"],"wordCount":402,"articleBody":"        Jak z\u00edskat hypot\u00e9ku? Na hypot\u00e9ku c\u00edl\u00ed \u0159ada mlad\u00fdch lid\u00ed, kte\u0159\u00ed si cht\u011bj\u00ed splnit sen o vlastn\u00edm bydlen\u00ed. Tady ov\u0161em nast\u00e1v\u00e1 jeden z\u00e1sadn\u00ed probl\u00e9m, kter\u00fd je zapot\u0159eb\u00ed zm\u00ednit. Ke schv\u00e1len\u00ed hypot\u00e9ky je zapot\u0159eb\u00ed zaplatit minim\u00e1ln\u011b 10% z ceny nemovitosti z vlastn\u00ed kapsy. Pro mnoh\u00e9 tak velk\u00fd finan\u010dn\u00ed obnos m\u016f\u017ee b\u00fdt p\u0159ek\u00e1\u017ekou. A p\u0159esto\u017ee ofici\u00e1ln\u00ed formou v\u011bt\u0161ina poskytovatel\u016f takovou mo\u017enost nenab\u00edz\u00ed, p\u0159esto je mo\u017en\u00e9 naj\u00edt n\u011bkolik zp\u016fsob\u016f, jak na hypot\u00e9ku bez vlastn\u00edch \u00faspor p\u0159eci jenom dos\u00e1hnout. Zn\u00e1te je v\u0161echny? Nen\u00ed to zase tak dlouho, kdy bylo mo\u017en\u00e9 o hypot\u00e9ku za\u017e\u00e1dat bez nutnosti vlastn\u00edch finan\u010dn\u00edch \u00faspor. Hypote\u010dn\u00ed \u00fav\u011br na danou nemovitost tak bylo mo\u017en\u00e9 \u010derpat ze 100%. Po\u0159\u00eddit si nemovitost bylo tedy daleko jednodu\u0161\u0161\u00ed, klient si p\u016fj\u010dil celou \u010d\u00e1stku na koupi nemovitosti a nebylo pot\u0159eba \u010dekat, ne\u017e se v rodinn\u00e9m rozpo\u010dtu u\u0161et\u0159\u00ed mnohdy i n\u011bkolik set tis\u00edc korun. V\u0161e se ale zm\u011bnilo v roce 2016, kdy \u010cNB upravila podm\u00ednky tak, aby na hypote\u010dn\u00ed \u00fav\u011br nedos\u00e1hl ka\u017ed\u00fd. V t\u00e9to zm\u011bn\u011b z\u00e1kona ale nehledejte neochotu bank p\u016fj\u010dovat, n\u00fdbr\u017e ochranu \u017eadatel\u016f p\u0159ed hypote\u010dn\u00edmi \u00fav\u011bry, kter\u00e9 by n\u00e1sledn\u011b nebyli schopni spl\u00e1cet. Tato novela z\u00e1kona v\u0161ak nechr\u00e1n\u00ed pouze dlu\u017en\u00edky, ale i samotn\u00e9 v\u011b\u0159itele (banky). V p\u0159\u00edpad\u011b ekonomick\u00e9 krize by se mohli probl\u00e9my s jednotliv\u00fdmi dlu\u017en\u00edky nahromadit a banky by se n\u00e1sledn\u011b ocitli v tr\u00fdzniv\u00e9 finan\u010dn\u00ed situaci. To by m\u011blo za n\u00e1sledek ohro\u017een\u00ed ekonomick\u00e9ho syst\u00e9mu v cel\u00e9 zemi. Zd\u00e1 se v\u00e1m tento katastrofick\u00fd sc\u00e9n\u00e1\u0159 tak trochu p\u0159ita\u017een\u00fd za vlasy? Ale v\u016fbec ne! Podobn\u00fd sc\u00e9n\u00e1\u0159 toti\u017e m\u011bla i sv\u011btov\u00e1 finan\u010dn\u00ed krize v roce 2007. V sou\u010dasn\u00e9 dob\u011b je tedy mo\u017en\u00e9 hypot\u00e9ku na nemovitost \u010derpat jen z 90% z\u00e1stavn\u00ed hodnoty nemovitosti. P\u0159esto je mo\u017en\u00e9 dos\u00e1hnout na n\u00ed i bez vlastn\u00edch \u00faspor. T\u00e9to mo\u017enosti doc\u00edl\u00edte, pokud m\u016f\u017eete ru\u010dit v\u00edce nemovitostmi nebo po\u017e\u00e1dat o pomoc zn\u00e1me \u010di rodinu.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Lze z\u00edskat hypot\u00e9ku bez vlastn\u00edch \u00faspor?","item":"https:\/\/www.demorss.cz\/lze-ziskat-hypoteku-bez-vlastnich-uspor\/#breadcrumbitem"}]}]