[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.grand-uh.cz\/podminky-pro-ziskani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.grand-uh.cz\/podminky-pro-ziskani-hypoteky\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","description":" Ka\u017ed\u00e1 bankovn\u00ed spole\u010dnost m\u00e1 sv\u00e1 vlastn\u00ed m\u011b\u0159\u00edtka a podm\u00ednky, kter\u00e9 mus\u00edte splnit. U v\u011bt\u0161iny z nich jsou ale stejn\u00e1, nebo alespo\u0148 hodn\u011b podobn\u00e1. Pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru je zapot\u0159eb\u00ed ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f \u00fasp\u011b\u0161n\u011b absolvovat n\u00e1sleduj\u00edc\u00edch \u0161est bod\u016f: v\u011bk, p\u0159\u00edjem, \u010dist\u00fd registr dlu\u017en\u00edk\u016f, mno\u017estv\u00ed z\u00e1vazk\u016f (ji\u017e sjednan\u00fdch p\u016fj\u010dek), existence z\u00e1stavy, pobyt na \u00fazem\u00ed \u010cesk\u00e9 republiky. ","datePublished":"2019-04-08","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.grand-uh.cz\/author\/#Person","name":"grand-uh.cz\r\n","url":"https:\/\/www.grand-uh.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"grand-uh.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.grand-uh.cz\/wp-content\/uploads\/img_a343159_w2349_t1556359180.jpg","url":"https:\/\/www.grand-uh.cz\/wp-content\/uploads\/img_a343159_w2349_t1556359180.jpg","height":0,"width":0},"url":"https:\/\/www.grand-uh.cz\/podminky-pro-ziskani-hypoteky\/","about":["Pen\u00edze"],"wordCount":475,"articleBody":" Ka\u017ed\u00e1 bankovn\u00ed spole\u010dnost m\u00e1 sv\u00e1 vlastn\u00ed m\u011b\u0159\u00edtka a podm\u00ednky, kter\u00e9 mus\u00edte splnit. U v\u011bt\u0161iny z nich jsou ale stejn\u00e1, nebo alespo\u0148 hodn\u011b podobn\u00e1. Pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru je zapot\u0159eb\u00ed ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f \u00fasp\u011b\u0161n\u011b absolvovat n\u00e1sleduj\u00edc\u00edch \u0161est bod\u016f: v\u011bk, p\u0159\u00edjem, \u010dist\u00fd registr dlu\u017en\u00edk\u016f, mno\u017estv\u00ed z\u00e1vazk\u016f (ji\u017e sjednan\u00fdch p\u016fj\u010dek), existence z\u00e1stavy, pobyt na \u00fazem\u00ed \u010cesk\u00e9 republiky. V\u011bk je d\u016fle\u017eit\u00fd Pod\u00edvejme se na prvn\u00ed a posledn\u00ed bod. V\u011bkov\u00e9 rozp\u011bt\u00ed pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky je omezen\u00e9 a odv\u00edj\u00ed se od n\u011bj tak\u00e9 doba, po kterou budete spl\u00e1cet. Banka si mus\u00ed b\u00fdt jist\u00e1, \u017ee se cel\u00e9ho spl\u00e1cen\u00ed do\u017eijete. Zn\u00ed to mo\u017en\u00e1 krut\u011b, ale p\u0159ece jen jde v\u011bt\u0161inou o hodn\u011b pen\u011bz, o kter\u00e9 necht\u011bj\u00ed p\u0159ij\u00edt. Mus\u00ed v\u00e1s tedy b\u00fdt mezi 18 a 65 lety. Ve v\u00fdjime\u010dn\u00fdch p\u0159\u00edpadech do 70 let. Nezletil\u00fdm samoz\u0159ejm\u011b p\u016fj\u010dit nemohou a v p\u0159\u00edpad\u011b vysok\u00e9ho v\u011bku je riziko ztr\u00e1ty zam\u011bstn\u00e1n\u00ed nebo \u00famrt\u00ed. V p\u0159\u00edpad\u011b, \u017ee m\u00e1te \u010desk\u00e9 ob\u010danstv\u00ed a trval\u00fd pobyt na na\u0161em \u00fazem\u00ed, tak si s posledn\u00ed podm\u00ednkou nemus\u00edte l\u00e1mat hlavu. Cizinci to maj\u00ed trochu slo\u017eit\u011bj\u0161\u00ed, ale zde se jedn\u00e1 sp\u00ed\u0161e o zvl\u00e1\u0161tn\u00ed p\u0159\u00edpady. Jakou m\u00e1te v\u00fdplatu? Tohle je jedna z prvn\u00edch ot\u00e1zek, na kterou se v\u00e1s zeptaj\u00ed. Kolik si chcete p\u016fj\u010dit, na co a jak\u00fd m\u00e1te p\u0159\u00edjem. Je pochopiteln\u00e9, \u017ee mus\u00edte b\u00fdt dob\u0159e solventn\u00ed. Spole\u010dnosti si tyto \u00fadaje dob\u0159e hl\u00eddaj\u00ed a bez pot\u0159ebn\u00e9ho p\u0159\u00edjmu \u00fav\u011br jednodu\u0161e nedostanete. Banka bude cht\u00edt dolo\u017eit nejen v\u00fd\u0161i pr\u016fm\u011brn\u00e9ho \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu, ale tak\u00e9 potvrzen\u00ed o tom, \u017ee nejste ve zku\u0161ebn\u00ed \u010di v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b. Ide\u00e1ln\u00ed nav\u00edc je, kdy\u017e m\u00e1te pracovn\u00ed pom\u011br na dobu neur\u010ditou. P\u016fj\u010dky na dovolenou p\u0159\u00edli\u0161 nepomohou To, \u017ee nesm\u00edte b\u00fdt zaps\u00e1ni v registru dlu\u017en\u00edk\u016f je jasn\u00e9. Ide\u00e1ln\u00ed ale tak\u00e9 je, kdy\u017e nem\u00e1te \u017e\u00e1dnou dal\u0161\u00ed p\u016fj\u010dku, kterou byste v sou\u010dasnosti spl\u00e1celi. Pokud n\u011bjak\u00e9 m\u00e1te, v\u0161e spla\u0165te nebo zru\u0161te p\u0159ed vy\u0159izov\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru. Zv\u00fd\u0161\u00ed se t\u00edm va\u0161e bonita a banka bude m\u00edt o d\u016fvod m\u00e9n\u011b ve v\u00e1s nev\u011b\u0159it. A nezapome\u0148te ani na ne\u010derpan\u00e9 kontokorenty a kreditky. I ty byste m\u011bli p\u0159edem zru\u0161it. 4.3\/5 - (11 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.grand-uh.cz\/podminky-pro-ziskani-hypoteky\/#breadcrumbitem"}]}]