{"id":1135,"date":"2018-09-26T14:58:37","date_gmt":"2018-09-26T12:58:37","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1135"},"modified":"2020-02-07T19:47:29","modified_gmt":"2020-02-07T18:47:29","slug":"100-financovani-kupni-ceny","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/100-financovani-kupni-ceny\/","title":{"rendered":"100% Financov\u00e1n\u00ed kupn\u00ed ceny"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Stoprocentn\u00ed financov\u00e1n\u00ed kupn\u00ed ceny<\/h3>\n\n\n\n<p>ji\u017e \u017e\u00e1dn\u00e1 banka v r\u00e1mci jedin\u00e9 \u00fav\u011brov\u00e9 smlouvy neum\u00ed- resp. dle na\u0159\u00edzen\u00ed \u010cNB takov\u00e9 hypot\u00e9ky ji\u017e nesm\u00ed poskytovat. V\u00fdjimkou je pouze situace, kdy m\u00e1te mo\u017enost poskytnou do tzv. doz\u00e1stavy dal\u0161\u00ed nemovitost a t\u00edm zv\u00fd\u0161it celkovou hodnotu z\u00e1stavy.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>P\u0159ev\u00e1\u017en\u00e1 v\u011bt\u0161ina klient\u016f ov\u0161em mo\u017enost doz\u00e1stavy nem\u00e1, proto dofinancov\u00e1n\u00ed koup\u011b <strong>do 100% kupn\u00ed ceny \u0159e\u0161\u00edme tzv. nezaji\u0161t\u011bn\u00fdm p\u0159eklenovac\u00edm \u00fav\u011brem ze stavebn\u00edho spo\u0159en\u00ed.<\/strong> Takov\u00fd \u00fav\u011br je mo\u017en\u00e9 poskytnout a\u017e do v\u00fd\u0161e 1.000.000,-; nej\u010dast\u011bji se takov\u00fd \u00fav\u011br pohybuje do 500tis a\u017e 700tis.<\/p>\n\n\n\n<p>Samoz\u0159ejm\u011b, \u017ee takov\u00e9 praktiky, podot\u00fdk\u00e1m, \u017ee leg\u00e1ln\u00ed, se \u010cNB nel\u00edb\u00ed a proto p\u0159i\u0161la s na\u0159\u00edzen\u00edm, \u017ee ka\u017ed\u00e1 banka si mus\u00ed hl\u00eddat u sv\u00fdch klient\u016f tzv. DSTI a DTI. O t\u00e9to problematice jsem psala v jin\u00e9m p\u0159\u00edsp\u011bvku, kter\u00fd si m\u016f\u017eete pro\u010d\u00edst <strong><em>v \u010dl\u00e1nku <\/em><\/strong><em><strong>Co byste m\u011bli v\u011bd\u011bt o hypote\u010dn\u00edm \u00fav\u011bru.<\/strong><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dofinancov\u00e1n\u00ed jin\u00fdmi zdroji<\/h3>\n\n\n\n<p><strong>N\u011bkter\u00e9 banky p\u0159istoupili ke zm\u011bn\u011b sv\u00e9 metodiky poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f a za\u010dali po\u017eadovat tzv. prokazov\u00e1n\u00ed zp\u016fsobu do\u00fahrady kupn\u00ed ceny.<\/strong> Pokud na \u00fahradu kupn\u00ed ceny nad r\u00e1mec hypote\u010dn\u00edho \u00fav\u011bru vyu\u017eijete i dal\u0161\u00edho \u00fav\u011bru, je v\u00e1m tato budouc\u00ed spl\u00e1tka dofinancov\u00e1n\u00ed zahrnut\u00e1 do spl\u00e1tkov\u00fdch v\u00fddaj\u016f a to v n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee b\u00fdt probl\u00e9m, proto\u017ee v\u00e1m pak nemus\u00ed vyj\u00edt voln\u00e9 prost\u0159edky a hypote\u010dn\u00ed banka v\u00e1m pak \u00fav\u011br bu\u010f neposkytne nebo v\u00e1m sn\u00ed\u017e\u00ed maxim\u00e1ln\u00ed mo\u017enou v\u00fd\u0161i hypot\u00e9ky.<\/p>\n\n\n\n<p><strong>N\u011bkter\u00e9 banky dofinancov\u00e1n\u00ed do kupn\u00ed ceny nepovoluj\u00ed nebo jen za ur\u010dit\u00fdch podm\u00ednek.<\/strong> Pokud pot\u0159ebujete pomoci s n\u00e1vrhem financov\u00e1n\u00ed, sta\u010d\u00ed mi pouze naspat nebo zavolat.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stoprocentn\u00ed financov\u00e1n\u00ed kupn\u00ed ceny ji\u017e \u017e\u00e1dn\u00e1 banka v r\u00e1mci jedin\u00e9 \u00fav\u011brov\u00e9 smlouvy neum\u00ed- resp. dle na\u0159\u00edzen\u00ed \u010cNB takov\u00e9 hypot\u00e9ky ji\u017e nesm\u00ed poskytovat. V\u00fdjimkou je pouze situace, kdy m\u00e1te mo\u017enost poskytnou do tzv. doz\u00e1stavy dal\u0161\u00ed nemovitost a t\u00edm zv\u00fd\u0161it celkovou hodnotu z\u00e1stavy.<\/p>\n","protected":false},"author":1,"featured_media":1140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/100.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\/1135"}],"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=1135"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1135\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1140"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}