[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oktop.cz\/pujckou-k-vlastnimu-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.oktop.cz\/pujckou-k-vlastnimu-bydleni\/","headline":"P\u016fj\u010dkou k vlastn\u00edmu bydlen\u00ed","name":"P\u016fj\u010dkou k vlastn\u00edmu bydlen\u00ed","description":"\u00daroky jsou v dne\u0161n\u00edch dnech na sv\u00e9m minimu a pokud se rozhodneme za\u017e\u00e1dat si o p\u016fj\u010dku nen\u00ed lep\u0161\u00edho obdob\u00ed. V dne\u0161n\u00ed dob\u011b je velice m\u00f3dn\u00edm trendem zakl\u00e1dat rodinu a m\u00edt vlastn\u00ed bydlen\u00ed. Je ale p\u0159\u00edli\u0161 n\u00e1ro\u010dn\u00e9 naspo\u0159it tolik finan\u010dn\u00edch prost\u0159edk\u016f pro zafinancov\u00e1n\u00ed cel\u00e9ho projektu. Proto se lid\u00e9 \u010dasto obrac\u00ed na bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnosti, aby […]","datePublished":"2018-08-12","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.oktop.cz\/author\/#Person","name":"","url":"https:\/\/www.oktop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oktop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oktop.cz\/wp-content\/uploads\/img_a322570_w2636_t1534253523.jpg","url":"https:\/\/www.oktop.cz\/wp-content\/uploads\/img_a322570_w2636_t1534253523.jpg","height":0,"width":0},"url":"https:\/\/www.oktop.cz\/pujckou-k-vlastnimu-bydleni\/","about":["Pen\u00edze"],"wordCount":419,"articleBody":"\u00daroky jsou v dne\u0161n\u00edch dnech na sv\u00e9m minimu a pokud se rozhodneme za\u017e\u00e1dat si o p\u016fj\u010dku nen\u00ed lep\u0161\u00edho obdob\u00ed. V dne\u0161n\u00ed dob\u011b je velice m\u00f3dn\u00edm trendem zakl\u00e1dat rodinu a m\u00edt vlastn\u00ed bydlen\u00ed. Je ale p\u0159\u00edli\u0161 n\u00e1ro\u010dn\u00e9 naspo\u0159it tolik finan\u010dn\u00edch prost\u0159edk\u016f pro zafinancov\u00e1n\u00ed cel\u00e9ho projektu. Proto se lid\u00e9 \u010dasto obrac\u00ed na bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnosti, aby z\u00edskali pot\u0159ebn\u00e9 finan\u010dn\u00ed prost\u0159edky. V r\u00e1mci bydlen\u00ed se t\u011b\u0161\u00ed oblib\u011b zejm\u00e9na hypot\u00e9ka a \u00fav\u011bru. V obou p\u0159\u00edpadech tyto slu\u017eby poskytuj\u00ed bankovn\u00ed spole\u010dnosti, kter\u00e9 z\u00edskaly certifikaci od \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Pokud chceme z\u00edskat \u00fav\u011br mus\u00edme m\u00edt u dan\u00e9 banky zalo\u017een\u00e9 stavebn\u00ed spo\u0159en\u00ed. Pot\u00e9 co z\u00edsk\u00e1me ur\u010ditou bonitu, tedy spo\u0159\u00edme po dobu minim\u00e1ln\u011b dvou let a m\u00e1me alespo\u0148 40 % z po\u017eadovan\u00e9 c\u00edlov\u00e9 \u010d\u00e1stky m\u016f\u017eeme z\u00edskat zv\u00fdhodn\u011bn\u00fd \u00fav\u011br. Druh\u00fd typ p\u016fj\u010dky je hypot\u00e9ka. Tu m\u016f\u017eeme z\u00edskat v r\u00e1mci bankovn\u00edch slu\u017eeb bez jak\u00e9hokoliv vedlej\u0161\u00edho \u00fa\u010dtu to se ov\u0161em tak\u00e9 odr\u00e1\u017e\u00ed na v\u00fd\u0161i \u00farokov\u00e9 sazby. Banky po\u017eaduj\u00ed ur\u010dit\u00e9 z\u00e1ruky, ne\u017e poskytnou \u00fav\u011br. V\u011bt\u0161inu po\u017eadavk\u016f zn\u00e1 ka\u017ed\u00fd z n\u00e1s. Dlu\u017en\u00edk mus\u00ed ru\u010dit nemovitost\u00ed, kdy banka poskytne maxim\u00e1ln\u011b 2\/3 z po\u017eadovan\u00e9 ceny d\u00e1le mus\u00ed m\u00edt klient dostate\u010dn\u00fd stabiln\u00ed p\u0159\u00edjem, kter\u00fdm je schopen spl\u00e1cet \u010d\u00e1stky, kter\u00e9 stanov\u00ed banka. Spole\u010dnost si tak\u00e9 proch\u00e1z\u00ed registr dlu\u017en\u00edk\u016f, aby zjistila, zda se nejedn\u00e1 o probl\u00e9mov\u00e9ho klienta. Po tom v\u0161em v\u0161ak nen\u00ed st\u00e1le jist\u00e9, zda p\u016fj\u010dku z\u00edsk\u00e1me. Spole\u010dnost vyu\u017e\u00edv\u00e1 nejr\u016fzn\u011bj\u0161\u00edho skoringu, kter\u00fdm ohodnot\u00ed platebn\u00ed schopnosti klienta. Pokud v\u0161ak nejsme vhodn\u00ed pro banku nen\u00ed d\u016fvod si zoufat v\u017edy toti\u017e m\u016f\u017eeme vyu\u017e\u00edt slu\u017eeb nebankovn\u00edch spole\u010dnost\u00ed. Zvl\u00e1\u0161t\u011b pak americk\u00fdch hypot\u00e9k. Zde d\u011bl\u00edme hypot\u00e9ky na dva typy. Tedy \u00fa\u010delovou, kterou poskytuje banka a vy\u017eaduje ru\u010den\u00ed a bez\u00fa\u010delovou nebo tak\u00e9 americkou je poskytov\u00e1na bu\u010f bankami nebo \u00fav\u011brov\u00fdmi spole\u010dnosti. Po\u017eadavky na ru\u010den\u00ed jsou zde ni\u017e\u0161\u00ed co\u017e se ale odr\u00e1\u017e\u00ed na v\u00fd\u0161i \u00farokov\u00e9 sazby, kter\u00e1 je u \u00fav\u011brov\u00fdch spole\u010dnost\u00ed pon\u011bkud ni\u017e\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dkou k vlastn\u00edmu bydlen\u00ed","item":"https:\/\/www.oktop.cz\/pujckou-k-vlastnimu-bydleni\/#breadcrumbitem"}]}]