{"id":1215,"date":"2019-02-26T09:22:32","date_gmt":"2019-02-26T08:22:32","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1215"},"modified":"2021-09-30T11:42:09","modified_gmt":"2021-09-30T09:42:09","slug":"jak-ziskat-hypoteku-kdyz-zatim-nemovitost-hledate","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/jak-ziskat-hypoteku-kdyz-zatim-nemovitost-hledate\/","title":{"rendered":"Jak z\u00edskat hypot\u00e9ku, kdy\u017e zat\u00edm nemovitost hled\u00e1te?"},"content":{"rendered":"\n<p><span style=\"text-decoration: underline;\">\u010cl\u00e1nek byl aktualizov\u00e1n 30.9.2021 o informace vych\u00e1zej\u00edc\u00ed s aktu\u00e1ln\u00ed metodiky finan\u010dn\u00edch instituc\u00ed.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak na hypot\u00e9ku bez nemovitosti<\/h3>\n\n\n\n<p>V&nbsp;dne\u0161n\u00ed dob\u011b je zcela b\u011b\u017en\u00e1 situace, kdy\u017e hled\u00e1te ten spr\u00e1vn\u00fd byt \u010di d\u016fm (ale i pozemek), \u017ee je&nbsp;nab\u00eddka velmi omezen\u00e1 a drah\u00e1; nav\u00edc je tu \u201ekonkurence\u201c s&nbsp;hotovost\u00ed aj. Kdy\u017e m\u00e1te \u0161t\u011bst\u00ed a objev\u00edte byt podle sv\u00fdch p\u0159edstav, pak teprve za\u010d\u00edn\u00e1te \u0159e\u0161it hypot\u00e9ku a mus\u00edte tak\u00e9 slo\u017eit rezerva\u010dn\u00ed z\u00e1lohu makl\u00e9\u0159i, aby v\u00e1m na p\u0159ibli\u017en\u011b m\u011bs\u00edc nemovitost \u201eblokoval\u201c a neprod\u00e1val ji d\u00e1l (rezerva\u010dn\u00ed z\u00e1loha se pohybuje kolem 10% z&nbsp;kupn\u00ed ceny).<\/p>\n\n\n\n<p>V&nbsp;t\u00e9to lh\u016ft\u011b (rezerva\u010dn\u00ed dob\u011b) mus\u00edte vy\u0159\u00eddit financov\u00e1n\u00ed. Kdy\u017e se n\u011bco pokaz\u00ed (nap\u0159\u00edklad odhad ceny nemovitost pro z\u00e1stavu nen\u00ed dostate\u010dn\u00fd nebo nesta\u010d\u00ed v\u00e1\u0161 p\u0159\u00edjem) a banka v\u00e1m \u00fav\u011br neschv\u00e1l\u00ed nebo jen v&nbsp;omezen\u00e9 v\u00fd\u0161i, vystavujete se riziku, \u017ee v\u00e1m zaplacen\u00e1 z\u00e1loha propadne.<\/p>\n\n\n\n<p>Vzhledem k&nbsp;vysok\u00e9 popt\u00e1vce a mal\u00e9 nab\u00eddce v&nbsp;realit\u00e1ch se v\u00e1m tak\u00e9 m\u016f\u017ee st\u00e1t, \u017ee prod\u00e1vaj\u00edc\u00ed up\u0159ednostn\u00ed z\u00e1jemce s&nbsp;hotovost\u00ed a v\u00e1m nezbyde nic jin\u00e9ho ne\u017e hledat d\u00e1l.<\/p>\n\n\n\n<p>Na trhu jsou v sou\u010dasn\u00e9 dob\u011b je ji\u017e p\u011bt finan\u010dn\u00edch instituc\u00ed, kter\u00e9 um\u00ed schv\u00e1lit hypote\u010dn\u00ed \u00fav\u011br bez toho, ani\u017e byste museli m\u00edt u\u017e vybranou nemovitost (nebo nemovitost ji\u017e vlastnit a poskytnout ji do z\u00e1stavy).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Jak to funguje<\/h3>\n\n\n\n<p>Abyste p\u0159ede\u0161li zm\u00edn\u011bn\u00fdm situac\u00edm, je mo\u017en\u00e9 hypot\u00e9ku \u0159e\u0161it je\u0161t\u011b p\u0159ed t\u00edm, ne\u017e si v\u016fbec n\u011bjakou nemovitost vyberete.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p class=\"has-text-align-center\"><em><strong>\u201epozor, nejedn\u00e1 se o bankovn\u00ed p\u0159\u00edslib, ale o regul\u00e9rn\u00ed \u00fav\u011brovou smlouvu!\u201c<\/strong><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Proces zpracov\u00e1n\u00ed takov\u00e9 hypot\u00e9ky je naprosto stejn\u00fd, jako v klasick\u00e9m p\u0159\u00edpad\u011b s nemovitost\u00ed. Banka provede scoring, prov\u011b\u0159\u00ed va\u0161e p\u0159\u00edjmy a v\u00fddaje (bonitu) a \u00fav\u011br v\u00e1m v pot\u0159ebn\u00e9 v\u00fd\u0161i schv\u00e1l\u00ed. Podm\u00ednkou pro v\u00e1s je, abyste si pouze d\u016fkladn\u011b rozmysleli, jak drah\u00fd (do jak\u00e9 v\u00fd\u0161e kupn\u00ed ceny) chcete byt koupit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Z\u00e1kladn\u00ed podm\u00ednky \u00fav\u011bru bez nemovitosti<\/h3>\n\n\n\n<ul><li>M\u00e1te smluvn\u011b garantovanou \u00farokovou sazbu a spl\u00e1tku hypot\u00e9ky; ta se po dobu fixace nem\u011bn\u00ed;<\/li><li>M\u00e1te zpravidla 12 m\u011bs\u00edc\u016f na vyhled\u00e1n\u00ed nemovitosti a n\u00e1sledn\u011b na \u010derp\u00e1n\u00ed \u00fav\u011bru;<\/li><li>\u00dav\u011brov\u00fd r\u00e1mec je limitov\u00e1n z\u00e1stavou do 80% nebo 90% (mus\u00edte po\u010d\u00edtat s vlastn\u00edmi pen\u011bzi minim\u00e1ln\u011b 10-20% do kupn\u00ed ceny);<\/li><li>Va\u0161e bonita se prov\u011b\u0159uje v dob\u011b schv\u00e1len\u00ed \u00fav\u011bru (u \u010derp\u00e1n\u00ed u v\u011bt\u0161iny bank nikoliv; jednotliv\u00e9 rozd\u00edly uvedu n\u00ed\u017ee)<\/li><li>20% z \u00fav\u011brov\u00e9ho limitu nen\u00ed zpravidla nutn\u00e9 vy\u010derpat (jsou v\u0161ak v\u00fdjimky);<\/li><li>Poplatek za nedo\u010derp\u00e1n\u00ed \u00fav\u011brov\u00e9ho limitu plat\u00edte jen u n\u011bkter\u00fdch bank (uv\u00e1d\u00edm n\u00ed\u017ee);<\/li><li>V\u00fd\u0161e spl\u00e1tky se upravuje dodatkem podle toho, jakou \u010d\u00e1stku z limitu \u00fav\u011bru skute\u010dn\u011b vy\u010derp\u00e1te;<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">P\u0159\u00edklad:<\/h3>\n\n\n\n<p>Pan Petr s man\u017eelkou p\u0159em\u00fd\u0161l\u00ed, \u017ee se odst\u011bhuj\u00ed z pron\u00e1jmu do vlastn\u00edho bytu. Za nov\u00e9 bydlen\u00ed necht\u011bj\u00ed platit v\u00edc jak 8.000,-\/m\u011bs\u00ed\u010dn\u011b. T\u00e9to spl\u00e1tce odpov\u00edd\u00e1 v\u00fd\u0161e hypot\u00e9ky 2.000.000,- (80% LTV, fixace 5let a \u00farok 1,89% p.a.). Z\u00e1rove\u0148 maj\u00ed man\u017eel\u00e9 na\u0161et\u0159eno 500tis. Hodnota budouc\u00ed nemovitosti by m\u011bla b\u00fdt minim\u00e1ln\u011b 2.500.000,- (hypot\u00e9ka je 2mil, kter\u00e1 odpov\u00edd\u00e1 80% z\u00e1stavy);<\/p>\n\n\n\n<p><strong>Jak by to vypadalo, kdyby pan Petr vy\u010derpal ni\u017e\u0161\u00ed \u00fav\u011br, ne\u017e jak\u00fd m\u00e1 schv\u00e1len\u00fd? Na\u0161el si levn\u00fd byt, kter\u00fd stoj\u00ed 1,5mil.<\/strong> Z&nbsp;hypot\u00e9ky vy\u010derp\u00e1 80% z&nbsp;kupn\u00ed ceny (obvykle z\u00e1stavy)- tj. 1.200.000,- . Ne\u010derp\u00e1no tak je 800tis (40%). V\u00fdsledn\u00fd poplatek za ne\u010derp\u00e1n\u00ed najdete n\u00ed\u017ee.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Hypot\u00e9ka bez nemovitosti- kdo tuto hypot\u00e9ku um\u00ed<\/h4>\n\n\n\n<p><strong>MPSS<\/strong><\/p>\n\n\n\n<ul><li><strong>doba na \u010derp\u00e1n\u00ed:<\/strong> 12 m\u011bs\u00edc\u016f<\/li><li><strong>prodlou\u017een\u00ed lh\u016fty:<\/strong> lze a\u017e o 6 m\u011bs\u00edc\u016f (banka zkoum\u00e1 p\u0159\u00edjem)<\/li><li><strong>poplatky p\u0159i ne\u010derp\u00e1n\u00ed<\/strong>: ne\u010derp\u00e1n\u00ed zpoplatn\u011bno sjednan\u00fdmi \u00faroky \u00fav\u011bru za dobu rezervace zdroj\u016f max. 30.000,\u2013K\u010d<\/li><li><strong>LTV:<\/strong> a\u017e 90%<\/li><li><em><strong>Poplatek vypo\u010d\u00edtan\u00fd k p\u0159\u00edkladu<\/strong>: p\u0159ibli\u017en\u011b 7.214,-<\/em><\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>SS\u010cS<\/strong><\/p>\n\n\n\n<ul><li><strong>doba na \u010derp\u00e1n\u00ed:<\/strong> 24 m\u011bs\u00edc\u016f<\/li><li><strong>prodlou\u017een\u00ed lh\u016fty:<\/strong> nepovoluje<\/li><li><strong>poplatky p\u0159i ne\u010derp\u00e1n\u00ed<\/strong>: max. 25\u00a0000 tis. K\u010d, bude \u00fa\u010dtov\u00e1no p\u0159i vy\u010derp\u00e1n\u00ed m\u00e9n\u011b ne\u017e 60\u00a0% z\u00a0dohodnut\u00e9 v\u00fd\u0161e\u00a0\u00fav\u011bru<\/li><li><strong>LTV:<\/strong> max. 80%<\/li><li><em><strong>Poplatek vypo\u010d\u00edtan\u00fd k p\u0159\u00edkladu<\/strong>: 0,-<\/em><\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u010cMSS<\/strong><\/p>\n\n\n\n<ul><li><strong>doba na \u010derp\u00e1n\u00ed:<\/strong> 12 m\u011bs\u00edc\u016f<\/li><li><strong>prodlou\u017een\u00ed lh\u016fty:<\/strong> nepovoluje<\/li><li><strong>poplatky p\u0159i ne\u010derp\u00e1n\u00ed<\/strong>: za ne\u010derp\u00e1n\u00ed 10tis; 1 % z nedo\u010derpan\u00e9 \u010d\u00e1stky, nejv\u00fd\u0161e v\u0161ak 10.000 K\u010d<\/li><li><strong>LTV:<\/strong> obvykle 80%<\/li><li><em><strong>Poplatek vypo\u010d\u00edtan\u00fd k p\u0159\u00edkladu<\/strong>: 8.000,-<\/em><\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>RB<\/strong><\/p>\n\n\n\n<ul><li><strong>doba na \u010derp\u00e1n\u00ed:<\/strong> 12 m\u011bs\u00edc\u016f<\/li><li><strong>prodlou\u017een\u00ed lh\u016fty:<\/strong> individu\u00e1ln\u011b<\/li><li><strong>poplatky p\u0159i ne\u010derp\u00e1n\u00ed<\/strong>: za ne\u010derp\u00e1n\u00ed 9.900,-; 5% z nevy\u010derpan\u00e9 \u010d\u00e1sti \u00fav\u011bru pokud je vy\u0161\u0161\u00ed jak 50% sjednan\u00e9ho \u00fav\u011brov\u00e9ho limitu<\/li><li><strong>LTV:<\/strong> a\u017e 90%<\/li><li><em><strong>Poplatek vypo\u010d\u00edtan\u00fd k p\u0159\u00edkladu<\/strong>: 0,-<\/em><\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>KB<\/strong><\/p>\n\n\n\n<ul><li><strong>doba na \u010derp\u00e1n\u00ed:<\/strong> 36 m\u011bs\u00edc\u016f<\/li><li><strong>prodlou\u017een\u00ed lh\u016fty:<\/strong> individu\u00e1ln\u011b<\/li><li><strong>poplatky p\u0159i ne\u010derp\u00e1n\u00ed<\/strong>: 5% z ne\u010derpan\u00e9 \u010d\u00e1stky, p\u0159i roz\u010derp\u00e1n\u00ed limitu je nedo\u010derp\u00e1n\u00ed bez poplatku<\/li><li><strong>LTV:<\/strong> a\u017e 90%<\/li><li><em><strong>Poplatek vypo\u010d\u00edtan\u00fd k p\u0159\u00edkladu<\/strong>: 0,-<\/em><\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p class=\"has-text-align-center\"><strong><em>Doporu\u010duji, abyste tento typ \u00fav\u011bru \u0159e\u0161ili opravdu se zku\u0161en\u00fdm hypot\u00e9k\u00e1\u0159em, kter\u00fd se v t\u00e9to oblasti vyzn\u00e1 a bude um\u011bt v\u00e1m pomoci nastavit spr\u00e1vn\u00fd limit \u00fav\u011bru!<\/em><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">V\u011bd\u011bli jste, \u017ee\u2026<\/h4>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>&#8230; lze tento typ \u00fav\u011bru pou\u017e\u00edt v <strong>n\u011bkter\u00fdch p\u0159\u00edpadech<\/strong> i v&nbsp;r\u00e1mci tzv. realitn\u00ed hypot\u00e9ky? Tj. situace, kdy chcete jako investor koupit v\u00edce nemovitost\u00ed za \u00fa\u010delem jejich dal\u0161\u00edho pron\u00e1jmu. Tento typ hypot\u00e9ky se v\u00e1m bude hodit obzvl\u00e1\u0161t\u011b, pokud nem\u00e1te vybran\u00e9 nemovitosti, ale v\u00edte, \u017ee v&nbsp;horizontu jednoho roku je postupn\u011b koup\u00edte a pronajmete. Na jeden takov\u00fd \u00fav\u011br je mo\u017en\u00e9 po\u0159\u00eddit a\u017e 3 investi\u010dn\u00ed nemovitosti! V\u0161echny v\u00fd\u0161e uveden\u00e9 podm\u00ednky plat\u00ed i pro tento z\u00e1m\u011br v\u010detn\u011b LTV.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nek byl aktualizov\u00e1n 30.9.2021 o informace vych\u00e1zej\u00edc\u00ed s aktu\u00e1ln\u00ed metodiky finan\u010dn\u00edch instituc\u00ed. Jak na hypot\u00e9ku bez nemovitosti V&nbsp;dne\u0161n\u00ed dob\u011b je zcela b\u011b\u017en\u00e1 situace, kdy\u017e hled\u00e1te ten spr\u00e1vn\u00fd byt \u010di d\u016fm (ale i pozemek), \u017ee je&nbsp;nab\u00eddka velmi omezen\u00e1 a drah\u00e1; nav\u00edc je tu \u201ekonkurence\u201c s&nbsp;hotovost\u00ed aj. Kdy\u017e m\u00e1te \u0161t\u011bst\u00ed a objev\u00edte byt podle sv\u00fdch p\u0159edstav, pak [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1218,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64,88],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/Hypot\u00e9ka-bez-nemovitosti2.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\/1215"}],"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=1215"}],"version-history":[{"count":18,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1215\/revisions"}],"predecessor-version":[{"id":7532,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1215\/revisions\/7532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1218"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}