{"id":7508,"date":"2021-10-20T11:18:06","date_gmt":"2021-10-20T09:18:06","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?page_id=7508"},"modified":"2021-12-01T10:06:45","modified_gmt":"2021-12-01T09:06:45","slug":"hypotecni-kalkulacka","status":"publish","type":"page","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/hypotecni-kalkulacka\/","title":{"rendered":"Hypote\u010dn\u00ed kalkula\u010dka"},"content":{"rendered":"\n<p>Zde si m\u016f\u017eete spo\u010d\u00edtat v\u00fd\u0161i spl\u00e1tky hypot\u00e9ky a porovnat aktu\u00e1ln\u00ed nab\u00eddky jednotliv\u00fdch bank. Sta\u010d\u00ed vyplnit zad\u00e1n\u00ed do kalkula\u010dky jako je v\u00fd\u0161e po\u017eadovan\u00e9ho \u00fav\u011bru, cenu nemovitosti, dobu splatnosti \u00fav\u011bru a fixaci \u00farokov\u00e9 sazby (na v\u00fdb\u011br fixace 5, 7, 8 nebo 10let). V\u0161echny uveden\u00e9 \u00farokov\u00e9 sazby u jednotliv\u00fdch bank jsou \u00farokov\u00e9 sazby vyhla\u0161ovan\u00e9, kter\u00e9 pravidlen\u011b aktualizuji. Porovnat m\u016f\u017eete \u00farokovou sazbu bez sjednan\u00e9ho poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet i s t\u00edmto poji\u0161t\u011bn\u00edm. (Jak\u00fd v\u00fdznam poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet najdete v tomto <a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/pojisteni-neschopnosti-splacet-ma-smysl\/\" title=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/pojisteni-neschopnosti-splacet-ma-smysl\/\">\u010dl\u00e1nku <\/a>).<\/p>\n\n\n\n<p><strong>Sazba uveden\u00e1 u kalkulace M\u0160 je ta, kterou um\u00edm pro v\u00e1s zajistit.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong><em>\u00darokov\u00e9 sazby byly naposled aktualizovan\u00e9 28.10.2021 v 11:58<\/em><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>plugin<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><small>Jedn\u00e1 se o orienta\u010dn\u00ed p\u0159ehled, p\u0159i fin\u00e1ln\u00ed nab\u00eddce obdr\u017e\u00edte RPSN v p\u0159edsmluvn\u00edch informac\u00edch od banky.<\/small><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>J\u00e1, hypote\u010dn\u00ed specialista Martina \u0160karydkov\u00e1 jsem v\u00e1zan\u00fdm zprost\u0159edkovatelem spole\u010dnosti Gepard Finance, a.s. nezab\u00fdv\u00e1m se poskytov\u00e1n\u00edm rady podle \u00a7 85 z\u00e1kona 257 \/ 2016 Sb. o spot\u0159ebitelsk\u00e9m \u00fav\u011bru.<\/p>\n\n\n\n<p>Reprezentativn\u00ed p\u0159\u00edklad pr\u016fm\u011brn\u00e9 hypot\u00e9ky zprost\u0159edkovan\u00e9 Martinou \u0160karydkovou: V\u00fd\u0161e \u00fav\u011bru 3.500.000,- K\u010d se splatnost\u00ed 30 let (360 spl\u00e1tek), s pevnou ro\u010dn\u00ed \u00farokovou sazbou 2,39 %. V\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky 13.656,- K\u010d. Orienta\u010dn\u00ed poplatek za odhad ceny nemovitosti: 0,- K\u010d. Spr\u00e1vn\u00ed poplatek za n\u00e1vrh na vklad z\u00e1stavn\u00edho pr\u00e1va 2.000,- K\u010d. Spr\u00e1vn\u00ed poplatek za v\u00fdmaz z\u00e1stavn\u00edho pr\u00e1va p\u0159i ukon\u010den\u00ed \u00fav\u011bru 2.000,- K\u010d. RPSN (ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f) je 2,43 % p.a. a celkov\u00e9 splatn\u00e1 \u010d\u00e1stka \u010din\u00ed 4.906.672,- K\u010d <em>(za p\u0159edpokladu, \u017ee po celou dobu splatnosti \u00fav\u011bru bude stejn\u00e1 \u00farokov\u00e1 sazba)<\/em>. Hypote\u010dn\u00ed \u00fav\u011br mus\u00ed b\u00fdt zaji\u0161t\u011bn z\u00e1stavn\u00edm pr\u00e1vem k nemovitosti.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zde si m\u016f\u017eete spo\u010d\u00edtat v\u00fd\u0161i spl\u00e1tky hypot\u00e9ky a porovnat aktu\u00e1ln\u00ed nab\u00eddky jednotliv\u00fdch bank. Sta\u010d\u00ed vyplnit zad\u00e1n\u00ed do kalkula\u010dky jako je v\u00fd\u0161e po\u017eadovan\u00e9ho \u00fav\u011bru, cenu nemovitosti, dobu splatnosti \u00fav\u011bru a fixaci \u00farokov\u00e9 sazby (na v\u00fdb\u011br fixace 5, 7, 8 nebo 10let). V\u0161echny uveden\u00e9 \u00farokov\u00e9 sazby u jednotliv\u00fdch bank jsou \u00farokov\u00e9 sazby vyhla\u0161ovan\u00e9, kter\u00e9 pravidlen\u011b aktualizuji. Porovnat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7649,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ub_ctt_via":"","footnotes":""},"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2021\/12\/hypotecni-kalkulacka.jpg","_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/7508"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=7508"}],"version-history":[{"count":9,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/7508\/revisions"}],"predecessor-version":[{"id":8029,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/7508\/revisions\/8029"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7649"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=7508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}