{"id":1130,"date":"2019-06-07T14:39:59","date_gmt":"2019-06-07T12:39:59","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1130"},"modified":"2020-02-05T19:41:35","modified_gmt":"2020-02-05T18:41:35","slug":"koupe-nemovitosti-v-zahranici-jde-to","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/koupe-nemovitosti-v-zahranici-jde-to\/","title":{"rendered":"Koup\u011b nemovitosti v zahrani\u010d\u00ed? Jde to!"},"content":{"rendered":"

Jak jsou na tom na\u0161e banky s financov\u00e1n\u00edm koup\u011b v zahrani\u010d\u00ed?<\/h3>\n

Hypot\u00e9ky na nemovitost v zahrani\u010d\u00ed na\u0161e banky poskytuj\u00ed<\/strong>, ne sice v\u0161echny ale najdou se takov\u00e9. Pro poskytnut\u00ed hypot\u00e9ky ke koupi nemovitosti v\u00a0zahrani\u010d\u00ed je ale jedno podstatn\u00e9 “ale” \u2013\u00a0je nutn\u00e1 z\u00e1stava v\u00a0podob\u011b nemovitosti v\u00a0\u010cesk\u00e9 republice.<\/strong><\/p>\n

Nebo pokud uva\u017eujete o koupi nemovitosti nap\u0159\u00edklad v\u00a0Alp\u00e1ch, pak je mo\u017en\u00e9 u jedn\u00e9 banky ru\u010dit touto nemovitost\u00ed bez nutnosti doz\u00e1stavy v\u00a0\u010cech\u00e1ch.<\/p>\n

Sazba \u00faroku, podm\u00ednky a\u00a0nutn\u00fd minim\u00e1ln\u00ed vklad z\u00e1vis\u00ed na va\u0161\u00ed individu\u00e1ln\u00ed finan\u010dn\u00ed situaci.<\/strong> Standardn\u011b je mo\u017en\u00e9 z\u00edskat hypot\u00e9ku a\u017e do 60-70 procent ceny nemovitosti. Obecn\u011b lze \u0159\u00edci, \u017ee hypot\u00e9ky v\u00a0eurech jsou v\u00e1zan\u00e9 na EURIBOR (The Euro Interbank Offered Rate –\u00a0nej\u010dast\u011bji pou\u017e\u00edvan\u00fd index u\u00a0zahrani\u010dn\u00edch hypot\u00e9k v\u00a0eurech).<\/p>\n

\u00darokov\u00e9 sazby se pohybuj\u00ed okolo 2,9 a\u017e 4\u00a0procent. Po\u017eadavky na sjedn\u00e1n\u00ed hypot\u00e9ky z\u00e1vis\u00ed na mnoha faktorech, nap\u0159. na d\u00e9lce \u00fav\u011bru, \u010d\u00e1stce, zemi nebo na konkr\u00e9tn\u00ed bance.<\/p>\n

Je tak\u00e9 d\u016fle\u017eit\u00e9 rozum\u011bt technick\u00fdm podm\u00ednk\u00e1m hypot\u00e9ky, v\u010detn\u011b indexu, na kter\u00fd je v\u00e1z\u00e1na, proto\u017ee nap\u0159. \u00farokov\u00e9 m\u00edry centr\u00e1ln\u00edch bank, nap\u0159. ECB, se mohou v\u00fdrazn\u011b li\u0161it od m\u011br mezibankovn\u00edch, jako ji\u017e zm\u00edn\u011bn\u00fd EURIBOR.<\/p>\n

\"\"<\/a>D\u00e1le je pot\u0159eba zn\u00e1t da\u0148ovou legislativu dan\u00e9 zem\u011b, kde nemovitost kupujete a to p\u0159edev\u0161\u00edm:<\/h3>\n
    \n
  1. jak, kdy se mus\u00ed zaplatit, kam a v jak\u00e9 \u010d\u00e1stce a z\u00a0\u010deho se vypo\u010d\u00edt\u00e1 da\u0148 z\u00a0nemovitosti,<\/li>\n
  2. jak je to mo\u017enostmi sezonn\u00edho pron\u00e1jmu, a jak\u00e1 pravidla proto plat\u00ed<\/li>\n
  3. jak je to v\u00a0konkr\u00e9tn\u00ed zemi s\u00a0poji\u0161t\u011bn\u00edm nemovitosti<\/li>\n
  4. jak p\u0159ihl\u00e1sit nebo odhl\u00e1sit slu\u017eby (voda, elekt\u0159ina, plyn atd)<\/li>\n<\/ol>\n

    \n

    \"\"<\/a>Koup\u011b v nemovitosti v Chorvatsku<\/h3>\n

    Jestli\u017ee uva\u017eujete o koupi nemovitosti nap\u0159\u00edklad v Chorvatsku, pak prvn\u00ed co mus\u00edte vy\u0159\u00eddit je aby v\u00e1m m\u00edstn\u00ed finan\u010dn\u00ed \u00fa\u0159ad p\u0159id\u011blil tamn\u00ed da\u0148ov\u00e9 \u010d\u00edslo. To nen\u00ed nic slo\u017eit\u00e9ho (je to obdobn\u00fd postup, jako u n\u00e1s- kdy se p\u0159ihl\u00e1s\u00edte na finan\u010dn\u00ed \u00fa\u0159ad a ten v\u00e1m p\u0159id\u011bl\u00ed \u010d\u00edslo).<\/p>\n

    Da\u0148 z\u00a0nabyt\u00ed se v Chorvatsku plat\u00ed stejn\u00e1, jako u n\u00e1s- 4%, ale s\u00a0t\u00edm \u017ee mus\u00ed b\u00fdt uhrazen\u00e1 do 1 m\u011bs\u00edce od p\u0159evodu a finan\u010dn\u00ed \u00fa\u0159ad v\u00e1s s\u00e1m vyzve.<\/strong><\/p>\n

    Pr\u00e1vn\u00ed poplatky se pohybuj\u00ed cca 1% z kupn\u00ed ceny + da\u0148.<\/p>\n

    \"\"<\/a>Ro\u010dn\u00ed poplatek z\u00a0nemovitosti m\u00e1 dv\u011b pravidla:<\/h3>\n
      \n
    1. kdy\u017e jste p\u0159ihl\u00e1\u0161eni k\u00a0trval\u00e9mu pobytu- nic neplat\u00edte,<\/li>\n
    2. kdy\u017e se jedn\u00e1 o \u201eletn\u00ed nemovitost\u201c bez trval\u00e9ho pobytu, pak je poplatek cca 0,5-2 EUR\/m2 plochy\/rok a stejn\u011b jako u n\u00e1s o konkr\u00e9tn\u00ed v\u00fd\u0161i rozhoduj\u00ed obecn\u00ed \u00fa\u0159ady.<\/li>\n<\/ol>\n

      Svoz odpadu je pak cca stejn\u00fd, jako poplatek z nemovitosti\/rok.<\/p>\n

      \n

      \n

      Uva\u017eujete o koupi “letn\u00edho s\u00eddla”, ale nejste si jist\u00ed, zda by v\u00e1m banka na v\u00e1\u0161 z\u00e1m\u011br p\u016fj\u010dila? Sta\u010d\u00ed mi zavolat nebo napsat.<\/strong><\/span><\/p>\n<\/blockquote>\n

      \n

      \n","protected":false},"excerpt":{"rendered":"

      Jak jsou na tom na\u0161e banky s financov\u00e1n\u00edm koup\u011b v zahrani\u010d\u00ed? Hypot\u00e9ky na nemovitost v zahrani\u010d\u00ed na\u0161e banky poskytuj\u00ed, ne sice v\u0161echny ale najdou se takov\u00e9. Pro poskytnut\u00ed hypot\u00e9ky ke koupi nemovitosti v\u00a0zahrani\u010d\u00ed je ale jedno podstatn\u00e9 “ale” \u2013\u00a0je nutn\u00e1 z\u00e1stava v\u00a0podob\u011b nemovitosti v\u00a0\u010cesk\u00e9 republice.<\/p>\n","protected":false},"author":1,"featured_media":1132,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64,75],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/koup\u011b-nemoviosti-v-zahrani\u010d\u00ed.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1130"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"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=1130"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1130\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1132"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}