[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eluxcz.cz\/chcete-ziskat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.eluxcz.cz\/chcete-ziskat-hypoteku\/","headline":"Chcete z\u00edskat hypot\u00e9ku?","name":"Chcete z\u00edskat hypot\u00e9ku?","description":"Kdo hled\u00e1 vlastn\u00ed bydlen\u00ed nebo i pron\u00e1jem jist\u011b v\u00ed, jak vysok\u00e9 jsou ceny za bydlen\u00ed. Realitn\u00ed trh se utrhl z \u0159et\u011bzu, kv\u016fli \u010demu\u017e se dnes...","datePublished":"2025-09-03","dateModified":"2025-09-03","author":{"@type":"Person","@id":"https:\/\/www.eluxcz.cz\/author\/#Person","name":"","url":"https:\/\/www.eluxcz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eluxcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.eluxcz.cz\/wp-content\/uploads\/new-home-construction-4603365_640_6.jpg","url":"https:\/\/www.eluxcz.cz\/wp-content\/uploads\/new-home-construction-4603365_640_6.jpg","height":0,"width":0},"url":"https:\/\/www.eluxcz.cz\/chcete-ziskat-hypoteku\/","about":["Finance"],"wordCount":401,"articleBody":"      Kdo hled\u00e1 vlastn\u00ed bydlen\u00ed nebo i pron\u00e1jem jist\u011b v\u00ed, jak vysok\u00e9 jsou ceny za bydlen\u00ed. Realitn\u00ed trh se utrhl z \u0159et\u011bzu, kv\u016fli \u010demu\u017e se dnes pohybuj\u00ed ceny nemovitost\u00ed v \u0159\u00e1dech n\u011bkolik milion\u016f. Za star\u00e9 domy a byty dnes lid\u00e9 plat\u00ed miliony, proto si spousta lid\u00ed bydlen\u00ed v osobn\u00edm vlastnictv\u00ed dovolit nem\u016f\u017ee. \u0158e\u0161en\u00edm je tedy \u00fav\u011br v podob\u011b hypot\u00e9ky, kterou m\u016f\u017eete z\u00edskat na po\u0159\u00edzen\u00ed nemovitosti, na rekonstrukci nebo k v\u00fdstavb\u011b domu, pokud u\u017e m\u00e1te pozemek. Cesta k vlastn\u00edmu bydlen\u00ed nen\u00ed jednoduch\u00e1. V posledn\u00edch letech nav\u00edc do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek, za kter\u00fdch lze z\u00edskat hypot\u00e9ku. \u010cesk\u00e1 n\u00e1rodn\u00ed banka se sna\u017eila reagovat na n\u00edzk\u00e9 hypot\u00e9ky t\u00edm, \u017ee v\u00fdrazn\u011b doporu\u010dila zp\u0159\u00edsnit podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9k, aby nedo\u0161lo k podobn\u00e9 situaci s realitami, jako tomu bylo v USA b\u011bhem krize v roce 2008. Tam byly hypot\u00e9ky dostupn\u00e9 v\u0161em bez rozd\u00edlu v p\u0159\u00edjmech, v d\u016fsledku \u010deho\u017e do\u0161lo k tomu, \u017ee lid\u00e9 nespl\u00e1celi a banky za\u010daly krachovat, proto\u017ee pen\u00edze, kter\u00e9 poskytuj\u00ed na \u00fav\u011bry, jsou pouze pen\u00edze jin\u00fdch klient\u016f. Samostatnou kapitolou jsou lid\u00e9, kte\u0159\u00ed maj\u00ed n\u011bjak\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f. Pro n\u011b je ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f cesta k hypot\u00e9ce uzav\u0159en\u00e1 po celou dobu, co je jejich jm\u00e9no v registru vedeno. Do n\u011bj se dostane v\u011bt\u0161inou ten, kdo jednodu\u0161e nespl\u00e1c\u00ed svoje finan\u010dn\u00ed z\u00e1vazky. Jen\u017ee se do n\u011bj lze dostat i bez vlastn\u00edho p\u0159i\u010din\u011bn\u00ed nap\u0159\u00edklad t\u00edm, \u017ee si druh\u00fd z man\u017eel\u016f za z\u00e1dy toho prvn\u00edho bere \u00fav\u011bry, kter\u00e9 nespl\u00e1c\u00ed. Pokud man\u017eel\u00e9 nemaj\u00ed z\u00fa\u017een\u00e9 spole\u010dn\u00e9 jm\u011bn\u00ed, dluhy mus\u00ed spl\u00e1cet oba. A p\u0159edev\u0161\u00edm pro matky, kter\u00e9 se po rozvodu stanou samo\u017eivitelkami, je tato situace \u0159e\u0161iteln\u00e1 jedin\u011b insolvenc\u00ed, kter\u00e1 rovn\u011b\u017e bude m\u00edt vliv na veden\u00ed jm\u00e9na v registru. N\u011bkdy je paradoxn\u011b levn\u011bj\u0161\u00ed spl\u00e1cet hypot\u00e9ku na vlastn\u00ed bydlen\u00ed ne\u017e platit n\u00e1jem. I pro lidi se z\u00e1znamem jsou dostupn\u00e9 hypot\u00e9ky bez registru, nicm\u00e9n\u011b je nutn\u00e9 d\u016fkladn\u011b zv\u00e1\u017eit, zda budete moct spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete z\u00edskat hypot\u00e9ku?","item":"https:\/\/www.eluxcz.cz\/chcete-ziskat-hypoteku\/#breadcrumbitem"}]}]