{"id":298,"date":"2017-09-21T09:53:41","date_gmt":"2017-09-21T09:53:41","guid":{"rendered":"http:\/\/localhost:8888\/beratung-1109\/?p=298"},"modified":"2020-02-07T20:00:01","modified_gmt":"2020-02-07T19:00:01","slug":"co-byste-meli-vedet-o-hypotecnim-uveru","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/co-byste-meli-vedet-o-hypotecnim-uveru\/","title":{"rendered":"Co byste m\u011bli v\u011bd\u011bt o hypote\u010dn\u00edm \u00fav\u011bru"},"content":{"rendered":"\n<p>Hypote\u010dn\u00ed \u00fav\u011br je finan\u010dn\u00ed produkt, kter\u00fd v\u00e1m pom\u016f\u017ee k&nbsp;vlastn\u00edmu bydlen\u00ed. <strong>Jeho c\u00edlem je zpravidla po\u0159\u00edzen\u00ed nemovitosti, a\u0165 u\u017e jej\u00ed koup\u011b \u010di v\u00fdstavba. <\/strong>Z\u00e1rove\u0148 <strong>nemovitost slou\u017e\u00ed jako z\u00e1stava<\/strong>, tedy jako jak\u00e1si protihodnota banky, nebudete-li \u00fav\u011br \u0159\u00e1dn\u011b spl\u00e1cet. Zastavovan\u00e1 nemovitost m\u016f\u017ee b\u00fdt i jin\u00e1 ne\u017e kupovan\u00e1, v\u017edy se v\u0161ak mus\u00ed nach\u00e1zet na \u00fazem\u00ed \u010cesk\u00e9 republiky.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p><strong>Banka ur\u010duje hodnotu nemovitosti dle odhadu<\/strong>, kterou vypracov\u00e1v\u00e1 odhadce banky. Krom\u011b \u00fav\u011bru na zaji\u0161t\u011bn\u00ed bydlen\u00ed zn\u00e1me tak ne\u00fa\u010delovou \u201ehypot\u00e9ku na cokoliv\u201c, tzv. americkou hypot\u00e9ku. Existuj\u00ed v\u0161ak i dal\u0161\u00ed typy \u00fav\u011br\u016f.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Sou\u010dasn\u00fd z\u00e1kon zn\u00e1 tyto typy spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f:<\/strong><\/h4>\n\n\n\n<ul><li>Spot\u0159ebitelsk\u00fd \u00fav\u011br na bydlen\u00ed<\/li><li>Hypote\u010dn\u00ed \u00fav\u011br<\/li><li>P\u0159eklenovac\u00ed \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/li><li>Spot\u0159ebitelsk\u00fd \u00fav\u011br jin\u00fd ne\u017e na bydlen\u00ed,<\/li><li>V\u00e1zan\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br<\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u00da\u010delem spot\u0159ebitelsk\u00e9ho \u00fav\u011bru na bydlen\u00ed m\u016f\u017ee b\u00fdt:<\/strong><\/h5>\n\n\n\n<ul><li>koup\u011b nemovitosti \u00far\u010den\u00e9 k bydlen\u00ed<\/li><li>koup\u011b rekrea\u010dn\u00ed nemovitosti<\/li><li>koup\u011b dru\u017estevn\u00edho bytu<\/li><li>koup\u011b pozemku<\/li><li>v\u00fdstavba nemovitosti<\/li><li>vypo\u0159\u00e1d\u00e1n\u00ed d\u011bdictv\u00ed<\/li><li>dostavba nemovitsti<\/li><li>rekonstrukce nemovitosti<\/li><li>refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edch \u00fav\u011br\u016f na bydlen\u00ed<\/li><li>zp\u011btn\u00e9 proplacen\u00ed vlastn\u00edch pen\u011bz vlo\u017een\u00fdch do nemovitosti<\/li><li>vypo\u0159\u00e1dn\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f<\/li><li>a a\u017e 20% z \u00fa\u010delov\u00e9 \u010d\u00e1sti m\u016f\u017eete m\u00edt ne\u00fa\u010delovou \u010d\u00e1st (koup\u011bn\u00e1bytku, auta, splacen\u00ed dluh\u016f, prost\u011b na cokoliv)<\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Jak\u00e9 hlavn\u00ed body bychom u ka\u017ed\u00e9ho \u00fav\u011bru na bydlen\u00ed m\u011bli sledovat?<\/strong><\/h5>\n\n\n\n<p>Hlavn\u00edmi parametry ka\u017ed\u00e9ho \u00fav\u011bru jsou: <strong>v\u00fd\u0161e jistiny<\/strong> (vlastn\u00ed vyp\u016fj\u010den\u00e1 \u010d\u00e1stka), \u00farok (cena za p\u016fj\u010denou jistinu), <strong>v\u00fd\u0161e pravideln\u00e9 spl\u00e1tky \u00fav\u011bru<\/strong> (skl\u00e1daj\u00edc\u00ed se ze spl\u00e1tky \u00faroku a jistiny) a v&nbsp;neposledn\u00ed \u0159ad\u011b i <strong>RPSN<\/strong>.<\/p>\n\n\n\n<p>To je hodnota vyjad\u0159uj\u00edc\u00ed <strong>ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f \u00fav\u011bru<\/strong>. Zahrnuje celkov\u00e9 n\u00e1klady \u00fav\u011bru (\u00faroky, poplatky za sjedn\u00e1n\u00ed a veden\u00ed \u00fav\u011bru, poji\u0161t\u011bn\u00ed dom\u00e1cnosti atd.)<\/p>\n\n\n\n<p><strong>Podstatn\u00e9<\/strong> v\u0161ak krom\u011b \u010d\u00edseln\u00fdch ukazatel\u016f <strong>jsou tak\u00e9 smluvn\u00ed ustanoven\u00ed ve smlouv\u011b o \u00fav\u011bru,<\/strong> jako nap\u0159\u00edklad r\u016fzn\u00e9 sankce a pokuty, mo\u017enosti p\u0159ed\u010dasn\u00e9ho splacen\u00ed \u00fav\u011bru \u010di postup banky v&nbsp;p\u0159\u00edpad\u011b jeho nespl\u00e1cen\u00ed.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>U hypot\u00e9ky se<\/strong><strong> setk\u00e1te s&nbsp;pojmy jako je LTV a nov\u011b DTI a DSTI.<\/strong><\/h5>\n\n\n\n<p><strong>LTV- Loan to value<\/strong>&#8211;<strong> je hodnota, kter\u00e1 vyjad\u0159uje pom\u011br mezi hypote\u010dn\u00edm \u00fav\u011brem a z\u00e1stavn\u00ed hodnotou nemovitosti.<\/strong> \u010casto se ud\u00e1v\u00e1 s&nbsp;\u010d\u00edselnou hodnotou, kter\u00e1 vyjad\u0159uje procenta z&nbsp;ceny nemovitosti.&nbsp; Nap\u0159\u00edklad u LTV 90 z\u00edsk\u00e1 klient 90% z&nbsp;hodnoty nemovitosti od banky a zbyl\u00fdch 10% si klient mus\u00ed dofinancovat z&nbsp;vlastn\u00edch zdroj\u016f. Plat\u00ed pravidlo, \u010d\u00edm vy\u0161\u0161\u00ed LTV, t\u00edm vy\u0161\u0161\u00ed b\u00fdv\u00e1 i \u00farok.<\/p>\n\n\n\n<p><strong>DTI- Dept to income-<\/strong> <strong>vyjad\u0159uje pom\u011br mezi celkovou v\u00fd\u0161\u00ed zadlu\u017een\u00ed s&nbsp;ro\u010dn\u00edm p\u0159\u00edjmem<\/strong>. \u010c\u00edm v\u011bt\u0161\u00ed je tento pom\u011br, t\u00edm v\u011bt\u0161\u00ed je \u201eb\u0159emeno\u201c v\u016f\u010di celkov\u00e9mu p\u0159\u00edjmu \u00fav\u011br p\u0159edstavuje a t\u00edm v\u011bt\u0161\u00ed riziko nespl\u00e1cen\u00ed je s&nbsp;n\u00edm spojeno.<\/p>\n\n\n\n<p><strong>DSTI- Dept service to income-<\/strong> v<strong>yjad\u0159uje pom\u011br mezi spl\u00e1tkou \u00fav\u011bru a \u010dist\u00fdm p\u0159\u00edjmem.<\/strong> Tento pom\u011br ukazuje, kolik z&nbsp;\u010dist\u00e9ho p\u0159\u00edjmu dlu\u017en\u00edka \u201eukousne\u201c spl\u00e1tka hypot\u00e9ky a kolik tud\u00ed\u017e zbude na dal\u0161\u00ed \u017eivotn\u00ed pot\u0159eby. \u010c\u00edm v\u00fd\u0161e, t\u00edm \u201ehuben\u011bj\u0161\u00ed\u201c \u017eivot bude dlu\u017en\u00edk muset v\u00e9st. A riziko nespl\u00e1cen\u00ed, pro n\u011bho i banku, se zvy\u0161uje.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Jak se ukazatele posuzuj\u00ed v&nbsp;praxi? P\u0159\u00edklad:<\/strong><\/h5>\n\n\n\n<p>DTI: 9<\/p>\n\n\n\n<ul><li>\u010cist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem: 25 000,-<\/li><li>\u010cist\u00fd ro\u010dn\u00ed p\u0159\u00edjem: 300 000,-<\/li><li>Kontokorent: 20 000,-<\/li><li><strong>Max. v\u00fd\u0161e H\u00da:<\/strong> (DTI x \u010dist\u00fd ro\u010dn\u00ed p\u0159\u00edjem) \u2013 kontokorent&nbsp;(9 x 300 000) -20 000,- = <strong>2.680 000<\/strong>,-<\/li><\/ul>\n\n\n\n<p>DSTI: 45%<\/p>\n\n\n\n<ul><li>\u010cist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem: 25&nbsp;000,-<\/li><li><strong>Max. v\u00fd\u0161e sou\u010dtu v\u0161ech m\u011bs\u00ed\u010dn\u00edch (i budouc\u00edch) spl\u00e1tek:&nbsp;&nbsp; 11.250,- (25.000*0,45)<\/strong><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cena hypot\u00e9ky- co ji ovliv\u0148uje?<\/strong><\/h4>\n\n\n\n<ul><li><strong>D\u00e9lka fixace<\/strong> \u2013 1 rok, 3 roky, 5 let, 7 let, 10 let atd. (obvykle plat\u00ed, \u010d\u00edm del\u0161\u00ed fixace, t\u00edm vy\u0161\u0161\u00ed \u00farok)<\/li><li><strong>LTV<\/strong> \u2013 \u010d\u00edm vy\u0161\u0161\u00ed hodnota LTV, t\u00edm zpravidla vy\u0161\u0161\u00ed \u00farok<\/li><li><strong>Doba spl\u00e1cen\u00ed<\/strong>&#8211; \u010d\u00edm del\u0161\u00ed doba spl\u00e1cen\u00ed, t\u00edm ni\u017e\u0161\u00ed b\u00fdv\u00e1 zpravidla spl\u00e1tka, ale v\u00edce p\u0159eplat\u00edte<\/li><li><strong>\u00darokov\u00e1 sazba<\/strong>&#8211; doporu\u010duji ne\u0159\u00eddit se v\u017edy pouze \u00farokovou m\u00edrou, ale uv\u011bdomit si v\u00fdznam RPSN<\/li><li><strong>\u00da\u010del \u00fav\u011bru<\/strong> \u2013 existuj\u00ed i ne\u00fa\u010delov\u00e9 \u00fav\u011bry (americk\u00e1 hypot\u00e9ka), kter\u00e9 b\u00fdvaj\u00ed zpravidla dra\u017e\u0161\u00ed<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Jak\u00fd vliv m\u00e1 zv\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb na spl\u00e1tku?<\/strong><\/h4>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/zm\u011bna-spl\u00e1tky.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"706\" height=\"338\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/zm\u011bna-spl\u00e1tky.jpg\" alt=\"\" class=\"wp-image-1012\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/zm\u011bna-spl\u00e1tky.jpg 706w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/zm\u011bna-spl\u00e1tky-300x144.jpg 300w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/zm\u011bna-spl\u00e1tky-600x287.jpg 600w\" sizes=\"(max-width: 706px) 100vw, 706px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>Vliv zv\u00fd\u0161en\u00ed z\u00e1kladn\u00edch \u00farokov\u00fdch sazeb \u010cNB maj\u00ed p\u0159\u00edm\u00fd vliv na \u00faroky hypot\u00e9k a t\u00edm i na v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky.<\/p>\n\n\n\n<p><strong>V&nbsp;sou\u010dasn\u00e9 dob\u011b lze o\u010dek\u00e1vat jejich dlouhodob\u00fd r\u016fst.<\/strong><\/p>\n\n\n\n<p>Tabulka vpravo ukazuje, jak takov\u00fd v\u00fdvoj ovlivn\u00ed spl\u00e1tku.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>V\u00fdvoj \u00farokov\u00e9 m\u00edry a doporu\u010den\u00ed<\/strong><\/h4>\n\n\n\n<p><strong>Uva\u017eujete-li o hypot\u00e9ce p\u0159\u00edpadn\u011b refinancov\u00e1n\u00ed (lze a\u017e 2roky dop\u0159edu), nev\u00e1hejte, v&nbsp;sou\u010dasn\u00e9 dob\u011b m\u016f\u017eete z\u00edskat st\u00e1le velmi atraktivn\u00ed \u00farok okolo 2,2% u LTV 80.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/hypoindex-rijen.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"613\" height=\"423\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/hypoindex-rijen.jpg\" alt=\"\" class=\"wp-image-1013\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/hypoindex-rijen.jpg 613w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/hypoindex-rijen-300x207.jpg 300w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2017\/09\/hypoindex-rijen-600x414.jpg 600w\" sizes=\"(max-width: 613px) 100vw, 613px\" \/><\/a><\/figure><\/div>\n\n\n\n<p><strong>V\u017edy je v\u0161ak t\u0159eba m\u00edt na pam\u011bti,<\/strong> p\u0159i rozhodov\u00e1n\u00ed o v\u00fd\u0161i \u00fav\u011bru a tedy cen\u011b nemovitosti, <strong>\u017ee z&nbsp;pravideln\u00e9ho p\u0159\u00edjmu v\u00e1m mus\u00ed z\u016fstat odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stka na b\u011b\u017en\u00e9 \u017eivotn\u00ed pot\u0159eby.<\/strong><\/p>\n\n\n\n<p><strong>Krom\u011b toho byste m\u011bli b\u00fdt nad\u00e1le schopni si odkl\u00e1dat \u010d\u00e1st pen\u011bz stranou na nenad\u00e1l\u00e9 v\u00fddaje,<\/strong> plus zvolit odpov\u00eddaj\u00edc\u00ed kryt\u00ed rizik, zejm\u00e9na jedn\u00e1-li se o rodinu s&nbsp;mal\u00fdmi d\u011btmi.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Hypote\u010dn\u00ed \u00fav\u011br je finan\u010dn\u00ed produkt, kter\u00fd v\u00e1m pom\u016f\u017ee k&nbsp;vlastn\u00edmu bydlen\u00ed. Jeho c\u00edlem je zpravidla po\u0159\u00edzen\u00ed nemovitosti, a\u0165 u\u017e jej\u00ed koup\u011b \u010di v\u00fdstavba. Z\u00e1rove\u0148 nemovitost slou\u017e\u00ed jako z\u00e1stava, tedy jako jak\u00e1si protihodnota banky, nebudete-li \u00fav\u011br \u0159\u00e1dn\u011b spl\u00e1cet. Zastavovan\u00e1 nemovitost m\u016f\u017ee b\u00fdt i jin\u00e1 ne\u017e kupovan\u00e1, v\u017edy se v\u0161ak mus\u00ed nach\u00e1zet na \u00fazem\u00ed \u010cesk\u00e9 republiky.<\/p>\n","protected":false},"author":1,"featured_media":1020,"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\/2017\/09\/hypot\u00e9ka-kopie.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\/298"}],"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=298"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/298\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1020"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}