{"id":8005,"date":"2023-11-03T17:37:39","date_gmt":"2023-11-03T16:37:39","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?page_id=8005"},"modified":"2023-11-03T17:39:11","modified_gmt":"2023-11-03T16:39:11","slug":"firemni-uvery","status":"publish","type":"page","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/firemni-uvery\/","title":{"rendered":"Firemn\u00ed \u00fav\u011bry"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">Hypote\u010dn\u00ed \u00fav\u011br je jedna z&nbsp;mo\u017enost\u00ed, jak zafinancovat koupi vlastn\u00edho domu, bytu, chaty, stavebn\u00edho pozemku nebo&nbsp; bytov\u00e9ho domu. Hypot\u00e9ka ov\u0161em nemus\u00ed b\u00fdt ur\u010dena jen na koupi bydlen\u00ed, hypote\u010dn\u00ed \u00fav\u011br je mo\u017en\u00e9 vyu\u017e\u00edt i na rekonstrukci nebo modernizaci st\u00e1vaj\u00edc\u00ed nemovitosti. P\u0159i v\u00fdb\u011bru hypot\u00e9ky se nej\u010dast\u011bji zaj\u00edm\u00e1te o v\u00fd\u0161i \u00farokov\u00e9 sazby, n\u00e1klady na po\u0159\u00edzen\u00ed hypot\u00e9ky (RPSN) a na v\u00fd\u0161i v\u00fdsledn\u00e9 spl\u00e1tky. <strong>Cenu hypot\u00e9ky ale ovliv\u0148uje tak\u00e9 d\u00e9lka fixace, doba spl\u00e1cen\u00ed a \u0159ada dal\u0161\u00edch parametr\u016f.<\/strong><\/p>\n<p>[\/vc_column_text][vc_column_text]Pro sv\u00e9 klienty vy\u0159izuji tyto druhy \u00fav\u011br\u016f:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_tabs color=&#8221;chino&#8221; active_section=&#8221;1&#8243;][vc_tta_section title=&#8221;Hypot\u00e9ka na vlastn\u00ed bydlen\u00ed&#8221; tab_id=&#8221;1570966165636-599b0845-0cb8&#8243;][vc_column_text]Hypote\u010dn\u00edm \u00fav\u011brem je mo\u017en\u00e9 financovat n\u00e1kup bytov\u00e9 jednotky, rodinn\u00e9ho domu, stavebn\u00edho pozemku za \u00fa\u010delem v\u00fdstavby rodinn\u00e9ho domu a mnoh\u00e9 dal\u0161\u00ed. \u00da\u010delem hypote\u010dn\u00edho \u00fav\u011bru mus\u00ed v\u017edy b\u00fdt \u0159e\u0161en\u00ed bytov\u00e9 vlastn\u00ed bytov\u00e9 situace anebo bytov\u00e9 situace rodinn\u00fdch p\u0159\u00ed\u0161lu\u0161n\u00edk\u016f (rodi\u010d\u016f, d\u011bt\u00ed).<\/p>\n<p>V b\u011b\u017en\u00e9 praxi se setk\u00e1v\u00e1m p\u0159edev\u0161\u00edm s t\u011bmito po\u017eadavky na financov\u00e1n\u00ed:<\/p>\n<ul>\n<li>zm\u00edn\u011bn\u00e1 koup\u011b bytov\u00e9 jednotky<\/li>\n<li>odkup dru\u017estevn\u00edho pod\u00edlu v dru\u017estevn\u00edm dom\u011b<\/li>\n<li>vypo\u0159\u00e1d\u00e1n\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f<\/li>\n<li>vypo\u0159\u00e1d\u00e1n\u00ed majetkov\u00fdch n\u00e1rok\u016f v d\u011bdick\u00e9m \u0159\u00edzen\u00ed<\/li>\n<li>n\u00e1kup stavebn\u00edho pozemku a v\u00fdstavba rodinn\u00e9ho domu<\/li>\n<li>rekonstrukce s rozpo\u010dtem nad 1mil<\/li>\n<\/ul>\n<p>Standardn\u00ed doba vy\u0159\u00edzen\u00ed hypot\u00e9ky je p\u0159ibli\u017en\u011b 14 pracovn\u00edch dn\u016f.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Hypot\u00e9ka na pron\u00e1jem&#8221; tab_id=&#8221;1570966165965-524ebf19-5cbe&#8221;][vc_column_text]Hypote\u010dn\u00ed \u00fav\u011br na n\u00e1kup bytov\u00e9 jednotky nebo bytov\u00e9ho domu pro n\u00e1sledn\u00fd pron\u00e1jem se spr\u00e1vn\u011b jmenuje realitn\u00ed hypot\u00e9ka nebo tak\u00e9 investi\u010dn\u00ed \u00fav\u011br. Z\u00e1m\u011br se v\u017edy posuzuje individu\u00e1ln\u011b. V\u00fdhodou tohoto typu \u00fav\u011bru je skute\u010dnost, \u017ee je mo\u017en\u00e9 ve v\u011bt\u0161in\u011b bank zapo\u010d\u00edtat do va\u0161\u00ed bonity (schopnosti spl\u00e1cet \u00fav\u011br) i p\u0159\u00edjem z budouc\u00edho pron\u00e1jmu, co\u017e v\u00e1m tak zvy\u0161uje va\u0161 \u0161ance na schv\u00e1len\u00ed vy\u0161\u0161\u00edho \u00fav\u011bru.<\/p>\n<p>V r\u00e1mci realitn\u00ed hypot\u00e9ky \u010di investi\u010dn\u00edho \u00fav\u011bru m\u016f\u017eete koupit bytov\u00fd d\u016fm anebo v\u00edce bytov\u00fdch jednotek na r\u016fzn\u00fdch adres\u00e1ch. Podm\u00ednkou v\u0161ak je, \u017ee je ji\u017e mus\u00edte m\u00edt vybran\u00e9 v dob\u011b, kdy o \u00fav\u011br budete \u017e\u00e1dat.<\/p>\n<p>P\u0159\u00edjem z budouc\u00edho pron\u00e1jmu m\u00e1 v\u0161ak sv\u00e1 pravidla a je pot\u0159eba s t\u00edmto po\u010d\u00edtat:<\/p>\n<ul>\n<li>&#8211; p\u0159\u00edjem z budouc\u00edho pron\u00e1jmu banky neakceptuj\u00ed v pln\u00e9 v\u00fd\u0161i, ale kr\u00e1t\u00ed jej zpravidla na 50-60%<\/li>\n<li>&#8211; banky si v\u00fd\u0161i n\u00e1jemn\u00e9ho ov\u011b\u0159uj\u00ed formou odhadu tzv. obecn\u00e9 pronaj\u00edmatelnosti- tedy odhadce zpracuje odhad, za kolik je re\u00e1ln\u00e9 byt v dan\u00e9 lokolit\u011b a standardu skute\u010dn\u011b pronajmout a tohoto &#8220;\u010d\u00edsla&#8221; banky akceptuj\u00ed pr\u00e1v\u011b t\u011bchto 50-60%<\/li>\n<li>maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky se pohybuje do 60-70%LTV (hodnoty z\u00e1stavy)<\/li>\n<\/ul>\n<p>Vy\u0159\u00edzen\u00ed takov\u00e9ho \u00fav\u011bru je zpravidla do 3t\u00fddn\u016f (nejd\u00e9le trv\u00e1 zpracov\u00e1n\u00ed odhadu a vyhodnocen\u00ed z\u00e1stavy a tr\u017en\u00edho n\u00e1jemn\u00e9ho).[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Hypot\u00e9ka bez nemovitosti&#8221; tab_id=&#8221;1570966220898-8f9f95bf-bac7&#8243;][vc_column_text]Hypote\u010dn\u00ed \u00fav\u011br &#8220;bez nemovitosti&#8221; je ve sv\u00e9 podstat\u011b schv\u00e1len\u00e1 smlouva o \u00fav\u011bru na ur\u010ditou \u010d\u00e1stku (zpravidla se tato \u010d\u00e1stka ur\u010d\u00ed podle toho, jak\u00fd je v\u00e1\u0161 limit kupn\u00ed ceny nemovitosti anebo podle limitu va\u0161\u00ed bonity- \u00fav\u011br nastaven na maxim\u00e1ln\u00ed mo\u017enou v\u00fd\u0161i), ani\u017e byste p\u0159ed schv\u00e1len\u00edm \u00fav\u011bru museli bance nab\u00eddnout z\u00e1stavu nemovitost\u00ed.<\/p>\n<p>Hypot\u00e9ku dop\u0159edu je v sou\u010dasn\u00e9 dob\u011b mo\u017en\u00e9 poskytnout u dvou stavebn\u00edch spo\u0159itelen a jedn\u00e9 banky.<\/p>\n<p>V\u017edy v\u0161ak plat\u00ed tato pravidla:<\/p>\n<ul>\n<li>hypot\u00e9ku dop\u0159edu byste m\u011bli vy\u010derpat do 12 m\u011bs\u00edc\u016f od podpisu smlouvy (tedy do jednoho roku byste m\u011bli naj\u00edt nemovitost ke koupi)<\/li>\n<li>nemus\u00edte vy\u010derpat 20% ze sjednan\u00e9ho limitu (cokoliv nad limit je zpoplatn\u011bno 2-5%)<\/li>\n<li>p\u0159i \u010derp\u00e1n\u00ed hypot\u00e9ky u\u017e bance neprokazujete svoje p\u0159\u00edjmy (vhodn\u00e1 varianta pro klienty, kte\u0159\u00ed uva\u017euj\u00ed o zm\u011bn\u011b zam\u011bstn\u00e1n\u00ed nebo p\u0159ed n\u00e1stupem na mate\u0159skou apd.)<\/li>\n<\/ul>\n<p>Zpracov\u00e1n\u00ed takov\u00e9ho \u00fav\u011bru je zpravidla do 1 pracovn\u00edho t\u00fddne.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Ne\u00fa\u010delov\u00e1 hypot\u00e9ka&#8221; tab_id=&#8221;1570966254361-ea049295-0490&#8243;][vc_column_text]Ne\u00fa\u010delov\u00e1 hypot\u00e9ka zn\u00e1m\u00e1 tak\u00e9 pod n\u00e1zvem Americk\u00e1 hypot\u00e9ka je hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd m\u016f\u017eete pou\u017e\u00edt opravdu na cokoliv. Nen\u00ed nutn\u00e9 bance prokazovat \u00fa\u010del. Klienti zpravidla takov\u00fd \u00fav\u011br vyu\u017e\u00edvaj\u00ed na tyto situace:<\/p>\n<ul>\n<li>n\u00e1kup nemovitosti v zahrani\u010d\u00ed<\/li>\n<li>n\u00e1kup obchodn\u00edho pod\u00edlu ve firm\u011b<\/li>\n<li>konsolidace velk\u00fdch z\u00e1vazk\u016f (rekord je konsolidace 30 spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f do jednoho v hodnot\u011b 1.530.000,-)<\/li>\n<li>vyplacen\u00ed nebankovn\u00edch \u00fav\u011br\u016f a z\u00e1stav<\/li>\n<li>n\u00e1kup movit\u00e9ho majetku (v\u011bt\u0161inou se jedn\u00e1 o drah\u00e1 auta, kde nen\u00ed mo\u017en\u00e9 poskytnout leasing)<\/li>\n<\/ul>\n<p>Vy\u0159\u00edzen\u00ed takov\u00e9ho \u00fav\u011bru je \u0159\u00e1dov\u011b do 10-14 pracovn\u00edch dn\u016f.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Hypot\u00e9ka od st\u00e1tu&#8221; tab_id=&#8221;1570967103288-41a1a3d7-b3d5&#8243;][vc_column_text]Sv\u00fdm klient\u016fm um\u00edm za\u0159\u00eddit i \u00fav\u011br na bydlen\u00ed od st\u00e1tu (St\u00e1tn\u00ed fond rozvoje bydlen\u00ed). Cel\u00fd proces zpracov\u00e1n\u00ed podklad\u016f a schv\u00e1len\u00ed \u00fav\u011bru je v podstat\u011b obdobn\u00fd, jako tomu je u klasick\u00e9 bankovn\u00ed hypot\u00e9ky. Vhledem k tomu, \u017ee se jedn\u00e1 o podporu st\u00e1tu k zaji\u0161t\u011bn\u00ed vlastn\u00ed bytov\u00e9 situace a podporu p\u0159edev\u0161\u00edm mlad\u00fdch p\u00e1r\u016f a rodin, m\u00e1 poskytnut\u00ed takov\u00e9ho \u00fav\u011bru n\u011bkolik podm\u00ednek, kter\u00e9 mus\u00ed b\u00fdt spln\u011bny.<\/p>\n<p>Podm\u00ednky poskytnut\u00ed \u00fav\u011bru:<\/p>\n<h4>\u017dadatelem m\u016f\u017ee b\u00fdt jedna fyzick\u00e1 osoba nebo man\u017eel\u00e9, kte\u0159\u00ed spl\u0148uj\u00ed tyto podm\u00ednky:<\/h4>\n<p>A)<\/p>\n<ol>\n<li>\u017eije v man\u017eelstv\u00ed nebo registrovan\u00e9m partnerstv\u00ed, ve kter\u00e9m alespo\u0148 jeden z man\u017eel\u016f nebo registrovan\u00fdch partner\u016f nedos\u00e1hl ke dni pod\u00e1n\u00ed \u017e\u00e1dosti o poskytnut\u00ed \u00fav\u011bru v\u011bku 36 let, <strong>nebo <\/strong><\/li>\n<li>ne\u017eije v man\u017eelstv\u00ed nebo registrovan\u00e9m partnerstv\u00ed, nedos\u00e1hl ke dni pod\u00e1n\u00ed \u017e\u00e1dosti o poskytnut\u00ed \u00fav\u011bru v\u011bku 36 let a trvale pe\u010duje o d\u00edt\u011b, kter\u00e9 nedos\u00e1hlo ke dni pod\u00e1n\u00ed \u017e\u00e1dosti o poskytnut\u00ed \u00fav\u011bru v\u011bku 15 let.<\/li>\n<li>a z\u00e1rove\u0148 nen\u00ed v dob\u011b pod\u00e1n\u00ed \u017e\u00e1dosti o \u00fav\u011br vlastn\u00edkem \u010di spoluvlastn\u00edkem domu\/bytu ani n\u00e1jemcem dru\u017estevn\u00edho bytu.<\/li>\n<\/ol>\n<h4>Aby bylo mo\u017en\u00e9 \u00fav\u011br poskytnout, mus\u00ed b\u00fdt rovn\u011b\u017e spln\u011bny i dodate\u010dn\u00e9 podm\u00ednky a to:<\/h4>\n<p>B)<\/p>\n<ol>\n<li>\u00dav\u011br mus\u00ed b\u00fdt dostate\u010dn\u011b zaji\u0161t\u011bn\u00fd (bu\u010f z\u00e1stavn\u00edm pr\u00e1vem v&nbsp;1. po\u0159ad\u00ed nebo dohodou o ru\u010den\u00ed + vinkulace pojistn\u00e9ho pln\u011bn\u00ed)<\/li>\n<li>\u017dadatel nesm\u00ed ke dni pod\u00e1n\u00ed \u017e\u00e1dosti o \u00fav\u011br evidovan\u00fd nedoplatek v\u016f\u010di F\u00da, Celn\u00ed spr\u00e1v\u011b, zdravotn\u00ed poji\u0161\u0165ovn\u011b, \u00daSSZ,<\/li>\n<li>\u017dadatel nebyl v&nbsp;posledn\u00edch 3 letech v&nbsp;\u00fapadku a<\/li>\n<li>Nen\u00ed proti \u017eadateli vedeno trestn\u00ed \u0159\u00edzen\u00ed a nebyl odsouzen pro hospod\u00e1\u0159sk\u00fd trestn\u00fd \u010din nebo trestn\u00fd \u010din proti majetku<\/li>\n<li>nemovitost nesm\u00ed b\u00fdt v&nbsp;z\u00e1plavov\u00e9 oblasti<\/li>\n<li>\u00fav\u011br nelze opakovan\u011b poskytnout stejn\u00e9mu \u017eadateli<\/li>\n<\/ol>\n<p>Poskytnut\u00ed takov\u00e9ho \u00fav\u011bru je vzhledem k administrativ\u011b schvalov\u00e1n\u00ed zdlouhav\u011bj\u0161\u00ed a trv\u00e1 p\u0159ibli\u017en\u011b 30dn\u00ed.<\/p>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;\u00dav\u011br na vybaven\u00ed dom\u00e1cnosti&#8221; tab_id=&#8221;1570966269719-4ef75d94-4c09&#8243;][vc_column_text]Z\u00edskat finance na vybaven\u00ed \u010di modernizaci sv\u00e9ho bydlen\u00ed (anebo bydlen\u00ed rodinn\u00e9ho p\u0159\u00edslu\u0161n\u00edka) je mo\u017en\u00e9 \u010derpat z p\u0159eklenovac\u00edho \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed (aktu\u00e1ln\u011b na trhu 5 stavebn\u00edch spo\u0159itelen, se kter\u00fdmi spolupracuji). Tyto \u00fav\u011bry jsou strikn\u011b \u00fa\u010delov\u00e9- je nutn\u00e9 v\u017edy do u\u010dit\u00e9 lh\u016fty (6-12 m\u011bs\u00edc\u016f) spo\u0159iteln\u011b dolo\u017eit \u00fa\u010delov\u00e9 vynalo\u017een\u00ed finan\u010dn\u00edch prost\u0159edk\u016f a to bu\u010f fakturami anebo fotodokumentac\u00ed stavu p\u0159ed a po.<\/p>\n<p>\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed je mo\u017en\u00e9 vyu\u017e\u00edt na tyto \u00fa\u010dely:<\/p>\n<ul>\n<li>rekonstrukce a modernizace (d\u016fm, byt, zahrada, byt v pron\u00e1jmu do 300tis)<\/li>\n<li>\u00fahrada dan\u011b z nabyt\u00ed nemovitosti<\/li>\n<li>\u00fahrada dru\u017estevn\u00edho pod\u00edlu<\/li>\n<li>vybaven\u00ed dom\u00e1cnosti (jen u n\u011bkter\u00fdch spo\u0159itelen)<\/li>\n<li>vypo\u0159\u00e1d\u00e1n\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f aj.<\/li>\n<\/ul>\n<p>Vzhledem k tomu, \u017ee k tomuto \u00fav\u011bru se p\u0159i \u017e\u00e1dosti dokl\u00e1d\u00e1 minimum podklad\u016f a jedn\u00e1 se nezaji\u0161t\u011bn\u00fd \u00fav\u011br, je mnohdy zpracov\u00e1n\u00ed do 48hodin.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Hypo\u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed&#8221; tab_id=&#8221;1570966588399-86d8c7f2-eb6e&#8221;][vc_column_text]Hypo\u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed (nebo t\u00e9\u017e p\u0159eklenovac\u00ed \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed) je \u00fav\u011br zaji\u0161t\u011bn\u00fd nemovitost\u00ed a je mo\u017en\u00e9 jej vyu\u017e\u00edt na n\u00e1kup vlastn\u00edho bydlen\u00ed (nebo bydlen\u00ed rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f). Hypo\u00fav\u011br od klasick\u00e9 bankovn\u00ed hypot\u00e9ky li\u0161\u00ed v tom, \u017ee po ur\u010ditou dobu (zpravidla 2 a\u017e&nbsp; 4roky) spl\u00e1c\u00edte konstatn\u00ed v\u00fd\u0161i \u00faroku (ten se v \u010dase nem\u011bn\u00ed) a konstatn\u00ed v\u00fd\u0161i minim\u00e1ln\u00ed spl\u00e1tky jistiny. Ka\u017ed\u00e1&nbsp; z t\u011bchto plateb jde na sv\u016fj individu\u00e1ln\u00ed \u00fa\u010det (spo\u0159\u00edc\u00ed= jistina a \u00farokov\u00e1= \u00farok). V okam\u017eiku, kdy spln\u00edte podm\u00ednky (ka\u017ed\u00e1 spo\u0159itelna je m\u00e1 jin\u00e9) pro &#8220;p\u0159eklopen\u00ed&#8221; hypo\u00fav\u011bru do \u0159\u00e1dn\u00e9ho \u00fav\u011bru, zapo\u010dte se v\u00e1m do v\u00fd\u0161e poskytnut\u00e9ho \u00fav\u011bru z\u016fstatek na spo\u0159\u00edc\u00edm \u00fa\u010dtu a d\u00e1le pak ji\u017e pokra\u010dujete formou anuitn\u00edho spl\u00e1cen\u00ed (v \u010dase kles\u00e1 \u00farok a zvy\u0161uje se pod\u00edl spl\u00e1tky na jistinu \u00fav\u011bru).<\/p>\n<p>Tato forma financov\u00e1n\u00ed je pom\u011brn\u011b nev\u00fdhodn\u00e1 (minim\u00e1ln\u011b prvn\u00ed dva roky plat\u00edte stejnou v\u00fd\u0161i \u00farok\u016f, tedy zbyte\u010dn\u011b \u00fav\u011br p\u0159epl\u00e1c\u00edte). Hypot\u016fv\u011br m\u00e1 v\u0161ak jednu v\u00fdhodu a tou je maxim\u00e1ln\u00ed doba splatnosti, kter\u00e1 oproti hypot\u00e9ce m\u016f\u017ee b\u00fdt a\u017e do 75let v\u011bku nejstar\u0161\u00edho z \u017eadatel\u016f (vhodn\u00e9 p\u0159edev\u0161\u00edm pro star\u0161\u00ed klienty, kte\u0159\u00ed p\u0159eferuj\u00ed ni\u017e\u0161\u00ed spl\u00e1tku).<\/p>\n<p>Na \u00fa\u010det stavebn\u00edho spo\u0159en\u00ed (kam spl\u00e1c\u00edte jistinu \u00fav\u011bru) je v\u00e1m ro\u010dn\u011b p\u0159ipisov\u00e1n tak\u00e9 st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek (pouze za p\u0159edpokladu, \u017ee tento p\u0159\u00edsp\u011bvek ne\u010derp\u00e1te ji\u017e na jin\u00e9 stavebn\u00ed spo\u0159en\u00ed).<\/p>\n<p>Vy\u0159\u00edzen\u00ed takov\u00e9ho \u00fav\u011bru je zpravidla do 14 pracovn\u00edch dn\u016f.<\/p>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Nebankovn\u00ed \u00fav\u011bry&#8221; tab_id=&#8221;1570967354481-f9183d64-38e4&#8243;][vc_column_text]Nebankovn\u00ed instituce je mo\u017en\u00e9 vyu\u017e\u00edt v situac\u00edch, kdy jste v minulosti m\u011bli v registrech &#8220;n\u011bjak\u00e9&#8221; negativn\u00ed z\u00e1znamy a banky v\u00e1m \u00fav\u011br odm\u00edtaj\u00ed poskytnout. U nebankovn\u00edch \u00fav\u011br\u016f doporu\u010duji sv\u00fdm klient\u016fm velkou obez\u0159etnost a d\u016fkladn\u00e9 pro\u010dten\u00ed \u00fav\u011brov\u00fdch podm\u00ednek.<\/p>\n<p>Osobn\u011b spolupracuji pouze s nebankovn\u00edho spole\u010dnostmi, kter\u00e9 jsou dobrovoln\u011b pod dohledem \u010cNB a v\u016f\u010di sv\u00fdm klient\u016fm se chovaj\u00ed eticky.<\/p>\n<p>Nej\u010dast\u011bj\u0161\u00ed vyu\u017eut\u00ed nebankovn\u00edho \u00fav\u011bru:<\/p>\n<ul>\n<li>refinancov\u00e1n\u00ed jin\u00e9ho nebankovn\u00edho \u00fav\u011bru (pokud nelze refinancovat na americkou hypot\u00e9ku)<\/li>\n<li>konsolidace rizikov\u00fdch \u00fav\u011br\u016f<\/li>\n<li>financov\u00e1n\u00ed podnikatelsk\u00fdch z\u00e1m\u011br\u016f<\/li>\n<li>vyplacen\u00ed exekuce nebo insolvence<\/li>\n<\/ul>\n<p>Ve v\u0161ech p\u0159\u00edpadech plat\u00ed, \u017ee nen\u00ed mo\u017en\u00e9 situaci \u0159e\u0161it bankovn\u00edm \u00fav\u011brem.<\/p>\n<p>Vy\u0159\u00edzen\u00ed \u00fav\u011bru je zpravidla do 25 pracovn\u00edch dn\u016f.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Spot\u0159ebitelsk\u00e9 \u00fav\u011bry a konsolidace&#8221; tab_id=&#8221;1570967376548-59200afb-88e3&#8243;][vc_column_text]P\u0159i vy\u0159izov\u00e1n\u00ed hypot\u00e9ky se klient\u016f v\u017edy pt\u00e1m na sou\u010dasn\u00e9 finan\u010dn\u00ed z\u00e1vazky. Pokud jsou tyto z\u00e1vazky vysok\u00e9 a ub\u00edraj\u00ed z doporu\u010den\u00fdch hodnot DSTI <em>(max. mo\u017en\u00e1 v\u00fd\u0161e sou\u010dtu v\u0161ech finan\u010dn\u00edch z\u00e1vazk\u016f v\u010detn\u011b po\u010d\u00edtan\u00e9 hypot\u00e9ky)<\/em> a DTI <em>(9ti n\u00e1sobek ro\u010dn\u00edho p\u0159\u00edjmu= maxim\u00e1ln\u00ed \u00fav\u011brov\u00e1 anga\u017eovanost)<\/em> velk\u00fd pod\u00edl tak, \u017ee nen\u00ed mo\u017en\u00e9 vy\u0159\u00edtit hypot\u00e9ku v po\u017eadovan\u00e9 v\u00fd\u0161i, je mo\u017en\u00e9 tuto situaci vy\u0159e\u0161it konsolidac\u00ed (slou\u017een\u00edm) v\u0161ech finan\u010dn\u00edch z\u00e1vazk\u016f do jednoho a t\u00edm sn\u00ed\u017eit jak fin\u00e1ln\u00ed spl\u00e1tku \u00fav\u011bru, tak i \u00farok (klient nebude platit &#8220;x&#8221; \u00farok\u016f za ka\u017ed\u00fd \u00fav\u011br, ale pouze jeden).<\/p>\n<p>Konsolidaci \u00fav\u011br\u016f je nutn\u00e9 prov\u00e9st je\u0161t\u011b p\u0159ed samotnou \u017e\u00e1dost\u00ed o hypot\u00e9ku. Vy\u0159\u00edzen\u00ed konsolidace je zpravidla do 5ti pracovn\u00edch dn\u016f.[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][vc_column_text]<\/p>\n<h4>Nej\u010dast\u011bji se pt\u00e1te:<\/h4>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_tta_accordion color=&#8221;chino&#8221; active_section=&#8221;1&#8243; css_animation=&#8221;top-to-bottom&#8221;][vc_tta_section title=&#8221;Co stoj\u00ed va\u0161e slu\u017eby?&#8221; tab_id=&#8221;1570967773609-3db67738-bab1&#8243;][vc_column_text]Vy\u0159\u00edzen\u00ed \u00fav\u011bru je zdarma- nic si ne\u00fa\u010dtuji. Pouze <strong>specifick\u00e9 konzulta\u010dn\u00ed a finan\u010dn\u00ed slu\u017eby jsou zpoplatn\u011bn\u00e9 individu\u00e1ln\u011b<\/strong> dle <a href=\"http:\/\/mskarydkova.cz\/new\/cenik-2\/\">cen\u00edku<\/a> (optimalizace finan\u010dn\u00edch produkt\u016f, konzultace pro neklienty, zpracov\u00e1n\u00ed develepersk\u00e9ho financov\u00e1n\u00ed a financov\u00e1n\u00ed podnikatel\u016f).[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Co m\u011b bude st\u00e1t vy\u0159\u00edzen\u00ed hypot\u00e9ky (\u00fav\u011bru)?&#8221; tab_id=&#8221;1570967773641-c45d8f62-241c&#8221;][vc_column_text]<\/p>\n<div id=\"ui-id-6\" class=\"ui-accordion-content ui-helper-reset ui-widget-content ui-corner-bottom ui-accordion-content-active\" role=\"tabpanel\" aria-labelledby=\"ui-id-5\" aria-hidden=\"false\">\n<p><strong>Vy\u0159\u00edzen\u00ed hypot\u00e9ky je zdarma.<\/strong> V cen\u00edc\u00edch bank najdete sice spoustu poplatk\u016f, nicm\u00e9n\u011b d\u00edky tomu, \u017ee svoji pr\u00e1ci d\u011bl\u00e1m u\u017e 11let a m\u00e1m v bank\u00e1ch u\u017e ur\u010dit\u00e9 obraty a jm\u00e9no, mohu sv\u00fdm klient\u016fm garantovat \u017ee nebudou nic platit za:<\/p>\n<p>\ud83d\udcb2 odhad\/y nemovitosti (\u00faspora a\u017e 5.500,- za nemovitost)<\/p>\n<p>\ud83d\udcb2 Zpracov\u00e1n\u00ed hypot\u00e9ky je zdarma (\u00faspora a\u017e 2.500,-)<\/p>\n<p>\ud83d\udcb2 Neplat\u00edte \u017e\u00e1dn\u00e9 poplatky za \u010derp\u00e1n\u00ed hypot\u00e9ky (\u00faspora a\u017e 2.000,-)<\/p>\n<p>\ud83d\udcb2 U v\u00fdstavby neplat\u00edte \u017e\u00e1dn\u00e9 poplatky za pr\u016fb\u011b\u017en\u00e9 dohl\u00eddky (\u00faspora na ka\u017ed\u00e9 dohl\u00eddce min. 1.000,-) .<\/p>\n<\/div>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Jak prob\u00edh\u00e1 zpracov\u00e1n\u00ed hypot\u00e9ky?&#8221; tab_id=&#8221;1570967930385-6599a5f0-bd3c&#8221;][vc_column_text]<\/p>\n<div id=\"ui-id-8\" class=\"ui-accordion-content ui-helper-reset ui-widget-content ui-corner-bottom ui-accordion-content-active\" role=\"tabpanel\" aria-labelledby=\"ui-id-7\" aria-hidden=\"false\">\n<p>Hypote\u010dn\u00ed \u00fav\u011bry pro sv\u00e9 klienty vy\u0159izuji <strong>online- za svoji praxi jsem toti\u017e p\u0159i\u0161la na to, \u017ee je to jeden z nejefektivn\u011bj\u0161\u00edch zp\u016fsob\u016f jak vy\u0159\u00eddit hypot\u00e9ku<\/strong> (nebo jak\u00fdkoliv jin\u00fd finan\u010dn\u00ed produkt).&nbsp; Velkou v\u00fdhodou zpracov\u00e1n\u00ed \u00fav\u011bru online je jeho rychlost- hypot\u00e9ku je takto mo\u017en\u00e9 zpracovat a schv\u00e1lit s \u010dasovou \u00fasporou a\u017e 14dn\u00ed oproti tomu, kdybyste si hypot\u00e9ku vy\u0159izovali sami v bance (zkuste si spo\u010d\u00edtat kolik n\u00e1v\u0161t\u011bv byste museli v bance absolvovat, ne\u017e se doberete n\u011bjak\u00e9ho v\u00fdsledku; a to nemluv\u00edm o omluvenk\u00e1ch ze zam\u011bstn\u00e1n\u00ed..)<\/p>\n<p>Cel\u00fd postup krok za krokem jsem pro v\u00e1s sepsala na t\u00e9to samostatn\u00e9 str\u00e1nce:<\/p>\n<\/div>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;M\u00e1m sv\u00e9ho finan\u010dn\u00edho poradce, pro\u010d bych m\u011bl\/a vyu\u017e\u00edt va\u0161ich slu\u017eeb?&#8221; tab_id=&#8221;1570967994126-6e8569b9-6ef5&#8243;][vc_column_text]<\/p>\n<div id=\"ui-id-10\" class=\"ui-accordion-content ui-helper-reset ui-widget-content ui-corner-bottom ui-accordion-content-active\" role=\"tabpanel\" aria-labelledby=\"ui-id-9\" aria-hidden=\"false\">\n<p><strong>Jestli\u017ee m\u00e1te sv\u00e9ho fina\u010dn\u00edho poradce nen\u00ed na tom v\u016fbec nic \u0161patn\u00e9ho- naopak. Pokud se v\u00e1m v\u00e1\u0161 finan\u010dn\u00ed poradce v\u011bnuje a je s v\u00e1mi v pravideln\u00e9m kontaktu a star\u00e1 se v\u00e1m o va\u0161e pojistn\u00e9 smlouvy (pravideln\u011b je aktualizuje), zn\u00e1 va\u0161i finan\u010dn\u00ed situaci, pak je to naprosto v po\u0159\u00e1dku.<\/strong> Pokud se v\u0161ak jedn\u00e1 o <strong>finan\u010dn\u00edho poradce, kter\u00fd tuto \u010dinnost d\u011bl\u00e1 jak se \u0159\u00edk\u00e1 &#8220;bokem&#8221; vedle sv\u00e9ho zam\u011bstn\u00e1n\u00ed<\/strong>, anebo m\u00e1 ve finan\u010dnictv\u00ed jinou specializaci (nap\u0159\u00edklad se nejv\u00edce v\u011bnuje investic\u00edm nebo poji\u0161t\u011bn\u00ed a hypot\u00e9ky sjedn\u00e1 tak 5x do roka)&#8230; byla bych na pozoru&#8230; :-)).<\/p>\n<p>Co t\u00edm chci \u0159\u00edct&#8230; <strong>praxe a zku\u0161enosti znamenaj\u00ed obrovskou v\u00fdhodu<\/strong>&#8211; takov\u00fd poradce v\u00e1m u\u0161et\u0159\u00ed spoustu pen\u011bz, najde pro v\u00e1s nejefektivn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed financov\u00e1n\u00ed (hypot\u00e9ka nen\u00ed jen jedna &#8220;univers\u00e1ln\u00ed&#8221; ale je mnoho druh\u016f a funkc\u00ed, kter\u00e9 je mo\u017en\u00e9 kombinovat) a je schopen v\u00e1m vy\u0159\u00eddit podstatn\u011b lep\u0161\u00ed \u00farokovou sazbu ne\u017e v\u00e1m daj\u00ed v bance (toto je zpravidla mo\u017en\u00e9 d\u00edky objem\u016fm, kter\u00e9 hypot\u00e9k\u00e1\u0159 pro banku sjednal).<\/p>\n<p><strong>Za rok 2018 je m\u016fj obrat v hypot\u00e9k\u00e1ch 150mil+ a \u010d\u00edt\u00e1 p\u0159es 54ks uzav\u0159en\u00fdch smluv&#8230;<\/strong><\/p>\n<\/div>\n<p>[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][vc_column width=&#8221;1\/2&#8243;]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f660-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/8005#wpcf7-f660-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"660\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.8.3\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f660-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<p style=\"display:inline-block; width: 48%; margin-right: 3.1%; margin-bottom: 30px;\"><br \/>\n<label><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Va\u0161e jm\u00e9no (povinn\u00fd \u00fadaj)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p style=\"display:inline-block; width: 48%; margin-bottom: 30px;\"><br \/>\n<label><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"V\u00e1\u0161 email (povinn\u00fd \u00fadaj)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p style=\"display:inline-block; width: 48%; margin-right: 3.1%; margin-bottom: 30px;\"><br \/>\n<label><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Telefon\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span> <\/label>\n<\/p>\n<p style=\"display:inline-block; 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bytov\u00e9ho domu. Hypot\u00e9ka ov\u0161em nemus\u00ed b\u00fdt ur\u010dena jen na koupi bydlen\u00ed, hypote\u010dn\u00ed \u00fav\u011br je mo\u017en\u00e9 vyu\u017e\u00edt i na rekonstrukci nebo modernizaci st\u00e1vaj\u00edc\u00ed nemovitosti. P\u0159i v\u00fdb\u011bru hypot\u00e9ky se nej\u010dast\u011bji zaj\u00edm\u00e1te o v\u00fd\u0161i \u00farokov\u00e9 sazby, n\u00e1klady na po\u0159\u00edzen\u00ed hypot\u00e9ky (RPSN) a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ub_ctt_via":"","footnotes":""},"aioseo_notices":[],"featured_image_src":null,"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/8005"}],"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=8005"}],"version-history":[{"count":2,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/8005\/revisions"}],"predecessor-version":[{"id":8010,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/8005\/revisions\/8010"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=8005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}