[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.divernet.cz\/zaridte-si-hypoteku-a-ziskejte-za-nemovitost-vysoka-procenta\/#Article","mainEntityOfPage":"https:\/\/www.divernet.cz\/zaridte-si-hypoteku-a-ziskejte-za-nemovitost-vysoka-procenta\/","headline":"Za\u0159i\u010fte si hypot\u00e9ku a z\u00edskejte za nemovitost vysok\u00e1 procenta","name":"Za\u0159i\u010fte si hypot\u00e9ku a z\u00edskejte za nemovitost vysok\u00e1 procenta","description":"Ka\u017ed\u00fd \u010dlov\u011bk, kter\u00fd pot\u0159ebuje p\u016fj\u010dku, tak hled\u00e1 nejlevn\u011bj\u0161\u00ed, nejlep\u0161\u00ed a nejide\u00e1ln\u011bj\u0161\u00ed mo\u017enost, jak si p\u016fj\u010dit pen\u00edze a neprod\u011blat na tom kalhoty. Jenom\u017ee toto t\u00e9ma je velice ob\u0161\u00edrn\u00e9 a celkov\u011b na n\u011bj mus\u00edme pohl\u00ed\u017eet jako na … ","datePublished":"2021-12-02","dateModified":"2021-12-02","author":{"@type":"Person","@id":"https:\/\/www.divernet.cz\/author\/#Person","name":"","url":"https:\/\/www.divernet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/53c590fdd1ec24ee297a15a00a0829b5191e9163e4cc5dbbee20ed40fcc30ad9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/53c590fdd1ec24ee297a15a00a0829b5191e9163e4cc5dbbee20ed40fcc30ad9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"divernet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.divernet.cz\/wp-content\/uploads\/pen%C3%ADze%20mince_2.jpg","url":"https:\/\/www.divernet.cz\/wp-content\/uploads\/pen%C3%ADze%20mince_2.jpg","height":0,"width":0},"url":"https:\/\/www.divernet.cz\/zaridte-si-hypoteku-a-ziskejte-za-nemovitost-vysoka-procenta\/","about":["Finance"],"wordCount":443,"articleBody":"   Ka\u017ed\u00fd \u010dlov\u011bk, kter\u00fd pot\u0159ebuje p\u016fj\u010dku, tak hled\u00e1 nejlevn\u011bj\u0161\u00ed, nejlep\u0161\u00ed a nejide\u00e1ln\u011bj\u0161\u00ed mo\u017enost, jak si p\u016fj\u010dit pen\u00edze a neprod\u011blat na tom kalhoty. Jenom\u017ee toto t\u00e9ma je velice ob\u0161\u00edrn\u00e9 a celkov\u011b na n\u011bj mus\u00edme pohl\u00ed\u017eet jako na velice slo\u017eitou komplexn\u00ed t\u00e9matiku, kter\u00e1 v sob\u011b ukr\u00fdv\u00e1 spoustu prom\u011bnn\u00fdch.Pro\u010d u\u017e nejsou mo\u017en\u00e9 sto procentn\u00ed hypot\u00e9ky, kdy\u017e v minulosti existovaly? Existuje je\u0161t\u011b n\u011bkde 100% hypot\u00e9ka?Na dne\u0161n\u00edm trhu s bydlen\u00edm je to opravdu jin\u00e9, ne\u017e tomu b\u00fdvalo v minulosti. Kdysi b\u00fdvalo b\u011b\u017en\u00e9, \u017ee jste z\u00edskali t\u0159eba i pln\u00fdch sto procent z odhadu nemovitosti, ale takov\u00fd syst\u00e9m je u\u017e d\u00e1vno minulost\u00ed a to hned z n\u011bkolika d\u016fvod\u016f.Jedn\u00edm z nich je \u010cNB. D\u016fvod \u010d\u00edslo jedna, na kter\u00fd si sice m\u016f\u017eeme zt\u011b\u017eovat, ale stejn\u011b s t\u00edm nic neud\u011bl\u00e1me. Abychom jako cel\u00fd st\u00e1t nep\u0159i\u0161li do krachu, podobn\u011b jako se tomu stalo v Americe, kde s t\u00edm bohu\u017eel m\u011bli nemil\u00e9 probl\u00e9my a spoustu lid\u00ed kv\u016fli tomu zkrachovalo, se \u010cNB tomu v\u0161emu sna\u017e\u00ed vyvarovat a ji\u017e n\u011bkolik let je p\u0159edeps\u00e1no z\u00e1konn\u00e9 pravidlo, \u017ee tak vysok\u00e9 \u00fav\u011bry se poskytovat nebudou.Pro\u010d to banky d\u011blaj\u00ed? A je tomu tak i v p\u0159\u00edpad\u011b soukrom\u00fdch spole\u010dnost\u00ed? Jak ve\u0161ker\u00e9 banky, tak i soukrom\u00e9 spole\u010dnosti mus\u00ed dodr\u017eovat z\u00e1konn\u00e1 na\u0159\u00edzen\u00ed a pravidla \u010cNB.Kolik procent tedy m\u016f\u017eete z\u00edskat? V\u011bt\u0161inou se to pohybuje od 50 maxim\u00e1ln\u011b na 70%. N\u011bkter\u00e9 spole\u010dnosti mohou poskytnout v\u00edce, ale v\u011bt\u0161ina jich to ned\u011bl\u00e1. Pro\u010d tomu tak je? Z\u00e1kladn\u00ed pravidlo je jasn\u00e9, kdyby banky a ostatn\u00ed spole\u010dnosti nad\u00e1le poskytovaly pln\u00fdch sto procent, nezbyla by jim \u017e\u00e1dn\u00e1 finan\u010dn\u00ed rezerva, proto by byly v ohro\u017een\u00ed a jejich investice by tak nebyla v\u00fdhodn\u00e1.A te\u010f se vrac\u00edme zp\u00e1tky na za\u010d\u00e1tek \u010dl\u00e1nku, \u010dlov\u011bk, kter\u00fd si p\u016fj\u010duje, chce to nejlep\u0161\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed pro sebe, jenom\u017ee banky cht\u011bj\u00ed m\u00edt z\u00e1ruku a hled\u00ed zase jenom samy na sebe, tak\u017ee ka\u017ed\u00fd si vlastn\u011b pln\u00ed vlastn\u00ed pot\u0159eby. N\u011bco mezi t\u00edm se naz\u00fdv\u00e1 hypot\u00e9ka, kterou si m\u016f\u017eete sjednat, ale pln\u00fdch sto procent stejn\u011b nez\u00edsk\u00e1te, tak\u017ee se s t\u00edm bu\u010fto sm\u00ed\u0159\u00edte, nebo si tento druh \u00fav\u011bru prost\u011b nesjedn\u00e1te.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Za\u0159i\u010fte si hypot\u00e9ku a z\u00edskejte za nemovitost vysok\u00e1 procenta","item":"https:\/\/www.divernet.cz\/zaridte-si-hypoteku-a-ziskejte-za-nemovitost-vysoka-procenta\/#breadcrumbitem"}]}]