[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.inton.cz\/dostanete-ji-malokde\/#Article","mainEntityOfPage":"https:\/\/www.inton.cz\/dostanete-ji-malokde\/","headline":"Dostanete ji m\u00e1lokde","name":"Dostanete ji m\u00e1lokde","description":"Hypot\u00e9ka. P\u0159i vysloven\u00ed tohoto slova se v\u011bt\u0161in\u011b lid\u00ed neud\u011bl\u00e1 moc dob\u0159e, proto\u017ee v\u011bt\u0161ina lid\u00ed hypot\u00e9ku mus\u00ed m\u00edt. Bez n\u00ed by si toti\u017e nemohli dovolit koupit nebo opravit vlastn\u00ed bydlen\u00ed. Hypot\u00e9ky v\u011bt\u0161inou d\u00e1vaj\u00ed banky, kde lid\u00e9 v\u011bt\u0161inou \u017e\u00e1daj\u00ed. Jen\u017ee kv\u016fli tomu \u017ee hypot\u00e9ku z\u00edskal ka\u017ed\u00fd, do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek k jej\u00edmu z\u00edsk\u00e1n\u00ed. Nejen \u017ee nesm\u00edte m\u00edt […]","datePublished":"2024-08-12","dateModified":"2024-08-12","author":{"@type":"Person","@id":"https:\/\/www.inton.cz\/author\/#Person","name":"","url":"https:\/\/www.inton.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"inton.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.inton.cz\/wp-content\/uploads\/bank-2907728_640_10_10_4.jpg","url":"https:\/\/www.inton.cz\/wp-content\/uploads\/bank-2907728_640_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.inton.cz\/dostanete-ji-malokde\/","about":["Pen\u00edze"],"wordCount":414,"articleBody":"      Hypot\u00e9ka. P\u0159i vysloven\u00ed tohoto slova se v\u011bt\u0161in\u011b lid\u00ed neud\u011bl\u00e1 moc dob\u0159e, proto\u017ee v\u011bt\u0161ina lid\u00ed hypot\u00e9ku mus\u00ed m\u00edt. Bez n\u00ed by si toti\u017e nemohli dovolit koupit nebo opravit vlastn\u00ed bydlen\u00ed. Hypot\u00e9ky v\u011bt\u0161inou d\u00e1vaj\u00ed banky, kde lid\u00e9 v\u011bt\u0161inou \u017e\u00e1daj\u00ed. Jen\u017ee kv\u016fli tomu \u017ee hypot\u00e9ku z\u00edskal ka\u017ed\u00fd, do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek k jej\u00edmu z\u00edsk\u00e1n\u00ed. Nejen \u017ee nesm\u00edte m\u00edt \u017e\u00e1dn\u00e9 jin\u00e9 z\u00e1vazky, ale nesm\u00edte b\u00fdt ani v registru dlu\u017en\u00edk\u016f a mus\u00edte m\u00edt dostate\u010dn\u00fd p\u0159\u00edjem. D\u0159\u00edve bylo b\u011b\u017en\u00e9 \u017ee banky d\u00e1valy \u017eadatel\u016fm celou sumu o kterou si po\u017e\u00e1dali, ale 100% hypot\u00e9ka https:\/\/www.americkahypoteka.cz\/hypoteka-100\/ je u\u017e dlouho minulost\u00ed.V sou\u010dasn\u00e9 dob\u011b mus\u00edte m\u00edt naspo\u0159enou pom\u011brnou \u010d\u00e1stku k celkov\u00e9 v\u00fd\u0161i \u00fav\u011bru. N\u011bkdy je to 10 %, jindy 20 %. Kdy\u017e chcete milion, mus\u00edte m\u00edt naspo\u0159eno 100 nebo 200 tis\u00edc. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u00e1te nejsp\u00ed\u0161 sm\u016flu a hypot\u00e9ku nedostanete. I kdy\u017e se v\u00e1m to nejsp\u00ed\u0161 zd\u00e1 nef\u00e9r, je to z toho d\u016fvodu, \u017ee banky poskytly obrovskou sumu pen\u011bz lidem, kte\u0159\u00ed nedok\u00e1zali spl\u00e1cet, a nemovitosti tak kon\u010dily v dra\u017eb\u00e1ch. Bank\u00e1m tak ut\u00edkaly pen\u00edze, proto\u017ee banky cht\u011bj\u00ed klienty, kte\u0159\u00ed budou spl\u00e1cet celou dobu trv\u00e1n\u00ed hypot\u00e9ky, aby m\u011bly v\u00fdnosy z \u00farok\u016f. A pr\u00e1v\u011b proto si u\u017e banky velice pe\u010dliv\u011b vyb\u00edraj\u00ed, komu hypot\u00e9ku daj\u00ed.I kdy\u017e u\u017e v\u00e1m nikdo ned\u00e1 hypot\u00e9ku ve v\u00fd\u0161i 100 %, st\u00e1le se hypot\u00e9ka vyplat\u00ed. I kdy\u017e si mo\u017en\u00e1 mysl\u00edte opak, mus\u00edte vz\u00edt v potaz, jak ceny nemovitosti rostou u\u017e n\u011bkolik let v \u0159ad\u011b. Vy budete spl\u00e1cet hodnotu nemovitosti, kterou jste koupili p\u0159ed n\u011bkolika lety, ale sou\u010dasn\u00e1 cena je daleko vy\u0161\u0161\u00ed. Banka si sice m\u016f\u017ee \u0159\u00edct o vy\u0161\u0161\u00ed \u00faroky, ale m\u00e1te mo\u017enost hypot\u00e9ku refinancovat jinde a z\u00edskat \u00faroky, kter\u00e9 budou p\u0159ijateln\u00e9. Hypot\u00e9ka m\u016f\u017ee b\u00fdt opravdu dobr\u00fd n\u00e1stroj, ale jen v rukou lid\u00ed, kte\u0159\u00ed jsou zodpov\u011bdn\u00ed, a kte\u0159\u00ed ji berou jen jako prost\u0159edek k financov\u00e1n\u00ed sv\u00e9ho bydlen\u00ed, nikoliv jako chvilkov\u00e9 povyra\u017een\u00ed. Z\u00e1vazky se mus\u00ed platit, a\u0165 je m\u00e1te kdekoliv.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dostanete ji m\u00e1lokde","item":"https:\/\/www.inton.cz\/dostanete-ji-malokde\/#breadcrumbitem"}]}]