{"id":1187,"date":"2018-09-10T13:23:33","date_gmt":"2018-09-10T11:23:33","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1187"},"modified":"2020-02-24T13:59:34","modified_gmt":"2020-02-24T12:59:34","slug":"hypoteka-nebo-uver-ze-stavebniho-sporeni","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/hypoteka-nebo-uver-ze-stavebniho-sporeni\/","title":{"rendered":"Hypot\u00e9ka nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed vs. hypot\u00e9ka<\/h2>\n\n\n\n<p>N\u011bkter\u00e9 stavebn\u00ed spo\u0159itelny aktu\u00e1ln\u011b nab\u00edzej\u00ed \u00fav\u011br zaji\u0161t\u011bn\u00fd nemovitost\u00ed s atraktivn\u00ed \u00farokovou sazbou. <strong>Jak jsou tyto nab\u00eddky v\u00fdhodn\u00e9? Komu se \u00fav\u011br ze stavebka skute\u010dn\u011b vyplat\u00ed a na co byste si m\u011bli d\u00e1t, p\u0159i porovn\u00e1n\u00ed s hypot\u00e9kou, pozor.<\/strong><\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Nev\u00fdhodou \u00fav\u011br\u016f ze stavebn\u00edho spo\u0159en\u00ed, kter\u00e9 jsou zaji\u0161t\u011bn\u00e9 nemovitost\u00ed, je jejich slo\u017eitost. Pro jednoduch\u00e9 porovn\u00e1n\u00ed v\u00fdhodnosti jednotliv\u00fdch produkt\u016f je toto p\u0159ek\u00e1\u017eka. M\u016f\u017ee se toti\u017e lehce st\u00e1t, \u017ee na prvn\u00ed pohled finan\u010dn\u011b v\u00fdhodn\u011bj\u0161\u00ed nab\u00eddka na z\u00edsk\u00e1n\u00ed hypot\u00e9ky bude v konkr\u00e9tn\u00edm p\u0159\u00edpad\u011b celkov\u011b dra\u017e\u0161\u00ed ne\u017e \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed \u010di naopak.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">P\u0159eklenovac\u00ed \u00fav\u011br<\/h4>\n\n\n\n<p><strong>Finan\u010dn\u00ed v\u00fdhodnost \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed ovliv\u0148uje v\u00fd\u0161e nab\u00edzen\u00e9 \u00farokov\u00e9 sazby, z\u00e1kladn\u00edch poplatk\u016f a tak\u00e9 samotn\u00fd zp\u016fsob jeho spl\u00e1cen\u00ed.<\/strong> Klasick\u00e9 financov\u00e1n\u00ed bydlen\u00ed ze stavebn\u00edho spo\u0159en\u00ed se na rozd\u00edl od hypot\u00e9ky skl\u00e1d\u00e1 z v\u00edce \u010d\u00e1st\u00ed. Nejprve jde o tzv. <strong>f\u00e1zi p\u0159eklenovac\u00edho \u00fav\u011bru<\/strong>, kdy spl\u00e1c\u00edte \u00faroky z cel\u00e9 poskytnut\u00e9 \u010d\u00e1stky a k tomu pos\u00edl\u00e1te ka\u017ed\u00fd m\u011bs\u00edc konstatn\u00ed \u010d\u00e1stku na spo\u0159\u00edc\u00ed \u00fa\u010det, ke kter\u00e9 se ka\u017ed\u00fd rok p\u0159ipisuje st\u00e1tn\u00ed podpora plus \u00faroky. Tato f\u00e1ze skon\u010d\u00ed zpravidla spln\u011bn\u00edm dvou podm\u00ednek, a to naspo\u0159en\u00edm obvykl\u00fdch 40% poskytnut\u00e9 \u010d\u00e1stky (p\u0159\u00edpadn\u011b m\u00e9n\u011b) a uplynut\u00edm lh\u016fty 2 let od zalo\u017een\u00ed stavebn\u00edho spo\u0159en\u00ed.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/f\u00e1ze-p\u0159eklenovac\u00edho-\u00fav\u011bru.png\"><img loading=\"lazy\" decoding=\"async\" width=\"487\" height=\"345\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/f\u00e1ze-p\u0159eklenovac\u00edho-\u00fav\u011bru.png\" alt=\"\" class=\"wp-image-2883\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/f\u00e1ze-p\u0159eklenovac\u00edho-\u00fav\u011bru.png 487w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/f\u00e1ze-p\u0159eklenovac\u00edho-\u00fav\u011bru-300x213.png 300w\" sizes=\"(max-width: 487px) 100vw, 487px\" \/><\/a><\/figure><\/div>\n\n\n\n<p><strong>Po t\u00e9 n\u00e1sleduje f\u00e1ze \u0159\u00e1dn\u00e9ho \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed,<\/strong> v jej\u00edm\u017e r\u00e1mci stejn\u011b jako u hypot\u00e9ky spl\u00e1c\u00edte v jedn\u00e9 spl\u00e1tce \u00faroky i samotn\u00fd dluh (od p\u016fvodn\u011b sjednan\u00e9 \u010d\u00e1stky se ode\u010dte naspo\u0159en\u00e1 suma). V\u00fdjimkou jsou dv\u011b stavebn\u00ed spo\u0159itelny: Modr\u00e1 pyramida a Stavebn\u00ed spo\u0159itelna \u010cesk\u00e9 spo\u0159itelny, kter\u00e9 p\u0159i\u0161ly s vylep\u0161en\u00fdm \u00fav\u011brem:<\/p>\n\n\n\n<ul><li>f\u00e1ze p\u0159eklenovac\u00edho \u00fav\u011bru je zkr\u00e1cena na minimum,<\/li><li>spl\u00e1cen\u00ed cel\u00e9ho \u00fav\u011bru t\u00e9m\u011b\u0159 podob\u00e1 spl\u00e1cen\u00ed hypot\u00e9ky- tedy jedna spl\u00e1tka slo\u017een\u00e1 z platby \u00farok\u016f i jistiny.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/pohotovostn\u00ed-\u00fav\u011br.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"441\" height=\"411\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/pohotovostn\u00ed-\u00fav\u011br.jpg\" alt=\"\" class=\"wp-image-2884\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/pohotovostn\u00ed-\u00fav\u011br.jpg 441w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/09\/pohotovostn\u00ed-\u00fav\u011br-300x280.jpg 300w\" sizes=\"(max-width: 441px) 100vw, 441px\" \/><\/a><\/figure><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">\u00darokov\u00e1 sazba<\/h4>\n\n\n\n<p><strong>U p\u0159eklenovac\u00edho \u00fav\u011bru m\u016f\u017ee b\u00fdt \u00farokov\u00e1 sazba sjedn\u00e1na jak po celou dobu jeho trv\u00e1n\u00ed, tak jen na ur\u010ditou dobu, jako je tomu u hypot\u00e9ky.<\/strong> Konkr\u00e9tn\u00ed nab\u00eddky spo\u0159itelen se li\u0161\u00ed, ale nej\u010dast\u011bji je to na 3, 5, 6 nebo 10 let. P\u0159ed koncem fixace m\u016f\u017eete podobn\u011b jako u hypot\u00e9ky vyjedn\u00e1vat o nov\u00e9 sazb\u011b na dal\u0161\u00ed obdob\u00ed nebo&nbsp; \u00fav\u011br&nbsp; refinancovat do jin\u00e9 banky \u010di stavebn\u00ed spo\u0159itelny.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Kdy se \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed vyplat\u00ed<\/h4>\n\n\n\n<p>Pod\u00edvejme se nyn\u00ed na dva p\u0159\u00edklady, kdy se v\u00e1m \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed zaji\u0161t\u011bn\u00fd nemovitost\u00ed m\u016f\u017ee s v\u00fdhodnou RPSN oproti hypot\u00e9ce na prvn\u00ed fixa\u010dn\u00ed obdob\u00ed \u00farokov\u00e9 sazby obvykle vyplatit:<\/p>\n\n\n\n<ul><li><strong>jedn\u00edm z nich je v\u00fdstavba rodinn\u00e9ho domu<\/strong> s postupn\u00fdm \u010derp\u00e1n\u00edm \u00fav\u011bru na del\u0161\u00ed dobu. A\u017e na jednu v\u00fdjimku poskytuj\u00ed banky hypot\u00e9ky tak, \u017ee b\u011bhem jej\u00edho \u010derp\u00e1n\u00ed plat\u00edte \u00faroky z pr\u016fm\u011brn\u011b vy\u010derpan\u00e9 \u010d\u00e1sti \u00fav\u011bru za ka\u017ed\u00fd m\u011bs\u00edc a a\u017e po ukon\u010den\u00ed \u010derp\u00e1n\u00ed spl\u00e1c\u00edte v r\u00e1mci jedn\u00e9 spl\u00e1tky \u00farok i \u010d\u00e1st dluhu. \u010c\u00edm d\u00e9le \u010derp\u00e1te, t\u00edm v\u00edce p\u0159eplat\u00edte nav\u00edc. U \u00fav\u011br\u016f n\u011bkter\u00fdch spo\u0159itelen, kter\u00e9 umo\u017e\u0148uj\u00ed \u010derp\u00e1n\u00ed na v\u00fdstavbu bez dokladov\u00e1n\u00ed faktur, plat\u00edte po prvn\u00edm \u010derp\u00e1n\u00ed rovnou celou spl\u00e1tku, tak\u017ee bez ohledu na d\u00e9lku \u010derp\u00e1n\u00ed \u00fav\u011bru nep\u0159eplat\u00edte zbyte\u010dn\u011b nav\u00edc. Komplikace je pouze v tom, kdy\u017e byste po dobu v\u00fdstavby neut\u00e1hli spl\u00e1tku \u00fav\u011bru i p\u0159\u00edpadn\u00e9ho n\u00e1jmu, ne\u017e se budete moci do hotov\u00e9ho domu p\u0159est\u011bhovat.<\/li><li>Podobn\u00fdm zp\u016fsobem m\u016f\u017eete v\u00fdznamnou \u00fasporu zaplacen\u00fdch \u00farok\u016f na po\u010d\u00e1tku z\u00edskat u vybran\u00e9 stavebn\u00ed spo\u0159itelny v p\u0159\u00edpad\u011b, kdy post\u0159ebujete \u00fav\u011br do 3,5mil korun <strong>na koupi dru\u017estevn\u00edho bytu s jeho n\u00e1sledn\u00fdm p\u0159evodem do osobn\u00edho vlastnictv\u00ed do 12 m\u011bs\u00edc\u016f.<\/strong> Ta si po dobu absence zaji\u0161t\u011bn\u00ed \u00fav\u011bru z\u00e1stavou nemovitost\u00ed \u00fa\u010dtuje pouze p\u0159ijateln\u00fd m\u011bs\u00ed\u010dn\u00ed pau\u0161\u00e1ln\u00ed poplatek. v p\u0159\u00edpad\u011b hypot\u00e9ky byste za stejn\u00e9 obdob\u00ed bez z\u00e1stavy nemovitost\u00ed zaplatili kv\u016fli nav\u00fd\u0161en\u00e9 \u00farokov\u00e9 sazb\u011b o tis\u00edce korun nav\u00edc.<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>Uva\u017eujete o koupi nemovitosti prost\u0159ednictv\u00edm hypo\u00fav\u011bru, ale nejste si jist\u00ed, jak takov\u00fd \u00fav\u011br funguje, jak\u00e9 jsou poplatky a pravidla pro poskytnut\u00ed? R\u00e1da v\u00e1m&nbsp; na va\u0161e ot\u00e1zky odpov\u00edm, sta\u010d\u00ed mi napsat nebo zavolat.<\/strong><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed vs. hypot\u00e9ka N\u011bkter\u00e9 stavebn\u00ed spo\u0159itelny aktu\u00e1ln\u011b nab\u00edzej\u00ed \u00fav\u011br zaji\u0161t\u011bn\u00fd nemovitost\u00ed s atraktivn\u00ed \u00farokovou sazbou. Jak jsou tyto nab\u00eddky v\u00fdhodn\u00e9? Komu se \u00fav\u011br ze stavebka skute\u010dn\u011b vyplat\u00ed a na co byste si m\u011bli d\u00e1t, p\u0159i porovn\u00e1n\u00ed s hypot\u00e9kou, pozor.<\/p>\n","protected":false},"author":1,"featured_media":1191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63,73],"tags":[84,74],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/hypo\u00fav\u011br-a-pohotovostn\u00ed-\u00fav\u011br-srovn\u00e1n\u00ed-s-hypot\u00e9kou.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\/1187"}],"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=1187"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1187\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1191"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1187"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1187"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1187"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}