[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ociz.cz\/podminky-pro-schvaleni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.ociz.cz\/podminky-pro-schvaleni-hypoteky\/","headline":"Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky","description":"Hypot\u00e9ka je \u00fav\u011brov\u00fd produkt, kter\u00fd ka\u017edoro\u010dn\u011b p\u0159il\u00e1k\u00e1 do \u010desk\u00fdch bank tis\u00edce lid\u00ed. Podm\u00ednky pro jej\u00ed schv\u00e1len\u00ed se v\u0161ak s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed. Se st\u00e1le se zvy\u0161uj\u00edc\u00ed inflac\u00ed se ned\u00e1vno zv\u00fd\u0161ila i jej\u00ed \u00farokov\u00e1 sazba. U\u017e d\u00e1vno tedy neplat\u00ed, \u017ee hypot\u00e9ku z\u00edsk\u00e1 v podstat\u011b ka\u017ed\u00fd, kdo o n\u00ed p\u0159ijde za\u017e\u00e1dat. Poj\u010fme si p\u0159edstavit alespo\u0148 z\u00e1kladn\u00ed podm\u00ednky,...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.ociz.cz\/podminky-pro-schvaleni-hypoteky\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2022-01-16","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.ociz.cz\/author\/#Person","name":"","url":"https:\/\/www.ociz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ociz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ociz.cz\/wp-content\/uploads\/piggy-g5dfc11e7b_640.jpg","url":"https:\/\/www.ociz.cz\/wp-content\/uploads\/piggy-g5dfc11e7b_640.jpg","height":0,"width":0},"url":"https:\/\/www.ociz.cz\/podminky-pro-schvaleni-hypoteky\/","about":["Pen\u00edze"],"wordCount":421,"articleBody":"   Hypot\u00e9ka je \u00fav\u011brov\u00fd produkt, kter\u00fd ka\u017edoro\u010dn\u011b p\u0159il\u00e1k\u00e1 do \u010desk\u00fdch bank tis\u00edce lid\u00ed. Podm\u00ednky pro jej\u00ed schv\u00e1len\u00ed se v\u0161ak s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed. Se st\u00e1le se zvy\u0161uj\u00edc\u00ed inflac\u00ed se ned\u00e1vno zv\u00fd\u0161ila i jej\u00ed \u00farokov\u00e1 sazba. U\u017e d\u00e1vno tedy neplat\u00ed, \u017ee hypot\u00e9ku z\u00edsk\u00e1 v podstat\u011b ka\u017ed\u00fd, kdo o n\u00ed p\u0159ijde za\u017e\u00e1dat. Poj\u010fme si p\u0159edstavit alespo\u0148 z\u00e1kladn\u00ed podm\u00ednky, kter\u00e9 jsou u v\u011bt\u0161iny bankovn\u00edch spole\u010dnost\u00ed v\u00edce \u010di m\u00e9n\u011b nem\u011bnn\u00e9. V\u011bkNejni\u017e\u0161\u00ed v\u011bkov\u00e1 hranice, kdy je mo\u017en\u00e9 u n\u00e1s za\u017e\u00e1dat o \u00fav\u011br je v sou\u010dasnosti 18 let, tedy plnoletost dan\u00e1 z\u00e1konem. Nejvy\u0161\u0161\u00ed v\u011bkovou hranici u\u017e z\u00e1kon nijak bl\u00ed\u017ee neur\u010duje, je proto mo\u017en\u00e9 vych\u00e1zet pouze z ur\u010dit\u00e9ho doporu\u010den\u00ed \u010cNB, kter\u00e1 stanovuje nejvy\u0161\u0161\u00ed v\u011bkovou hranici pro splacen\u00ed \u00fav\u011bru \u2013 65 let. Pokud si tedy chcete po\u017e\u00e1dat o hypot\u00e9ku v d\u00e9lce trv\u00e1n\u00ed alespo\u0148 20 let, je nutn\u00e9 za\u017e\u00e1dat do 45 roku \u017eivota. Jedn\u00e1 se v\u0161ak pouze o doporu\u010den\u00ed, tud\u00ed\u017e je mo\u017en\u00e9 setkat se i s daleko vy\u0161\u0161\u00ed v\u011bkovou hranic\u00ed. P\u0159esto je zapot\u0159eb\u00ed zv\u00e1\u017eit rizika, kter\u00e1 s sebou spl\u00e1cen\u00ed hypot\u00e9ky v pozdn\u00edm v\u011bku p\u0159in\u00e1\u0161\u00ed. V\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016fBez pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f nen\u00ed mo\u017en\u00e9 o jak\u00fdkoliv \u00fav\u011brov\u00fd produkt po\u017e\u00e1dat. P\u0159\u00edjem je zapot\u0159eb\u00ed dolo\u017eit za pomoci pracovn\u00ed smlouvy, kter\u00e1 je v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b sjedn\u00e1na na dobu neur\u010ditou. V p\u0159\u00edpad\u011b pracovn\u00ed smlouvy pouze na dobu ur\u010ditou, je zapot\u0159eb\u00ed, aby z\u00e1vazek ve prosp\u011bch banky byl splacen nejpozd\u011bji den p\u0159ed uplynut\u00edm pracovn\u00ed smlouvy. \u017dadatel\u00e9 ve zku\u0161ebn\u00ed \u010di v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b na p\u016fj\u010dku v bance nedos\u00e1hnou, nebo\u0165 pro ni p\u0159edstavuj\u00ed a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko. Registry dlu\u017en\u00edk\u016fV registrech dlu\u017en\u00edk\u016f je pravideln\u011b zaznamen\u00e1v\u00e1na na\u0161e platebn\u00ed mor\u00e1lka. V p\u0159\u00edpad\u011b bezprobl\u00e9mov\u00e9ho spl\u00e1cen\u00ed na\u0161ich z\u00e1vazk\u016f je pozd\u011bji mnohem jednodu\u0161\u0161\u00ed \u00fav\u011br z\u00edskat. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b je ale banka nekompromisn\u00ed a \u017e\u00e1dost jednozna\u010dn\u011b zam\u00edtne. \u0158e\u0161en\u00ed mohou p\u0159in\u00e9st nebankovn\u00ed americk\u00e9 hypot\u00e9ky, kter\u00e9 jsou mnohdy nab\u00edzeny i takov\u00fdm \u017eadatel\u016fm.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky","item":"https:\/\/www.ociz.cz\/podminky-pro-schvaleni-hypoteky\/#breadcrumbitem"}]}]