[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rehm.cz\/chci-ziskat-hypoteku-ale-nevim-jak\/#Article","mainEntityOfPage":"https:\/\/www.rehm.cz\/chci-ziskat-hypoteku-ale-nevim-jak\/","headline":"Chci z\u00edskat hypot\u00e9ku, ale nev\u00edm jak","name":"Chci z\u00edskat hypot\u00e9ku, ale nev\u00edm jak","description":"Ka\u017ed\u00fd v sou\u010dasn\u00e9 ale i v d\u0159\u00edv\u011bj\u0161\u00ed dob\u011b, ur\u010dit\u011b p\u0159em\u00fd\u0161lel o hypot\u00e9ce. Ale v\u00edte jak spr\u00e1vn\u011b postupovat p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku, nebo jak takovou hypot\u00e9ku v\u016fbec z\u00edskat ? D\u011bl\u00ed se hypot\u00e9ka do n\u011bjak\u00fdch skupin ? nebo ji m\u016f\u017ee z\u00edskat ka\u017ed\u00fd ? Vy\u0159\u00edzen\u00ed hypot\u00e9ky jako takov\u00e9 v\u00e1m zabere p\u0159ibli\u017en\u011b 3-4 t\u00fddn\u016f, z\u00e1le\u017e\u00ed na bance u […]","datePublished":"2022-02-25","dateModified":"2022-02-25","author":{"@type":"Person","@id":"https:\/\/www.rehm.cz\/author\/#Person","name":"","url":"https:\/\/www.rehm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8497d718f60c891079802e88ae93b6c100d284127a9ef9549781b221f13b4bab?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8497d718f60c891079802e88ae93b6c100d284127a9ef9549781b221f13b4bab?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rehm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rehm.cz\/wp-content\/uploads\/hypo.jpg","url":"https:\/\/www.rehm.cz\/wp-content\/uploads\/hypo.jpg","height":0,"width":0},"url":"https:\/\/www.rehm.cz\/chci-ziskat-hypoteku-ale-nevim-jak\/","about":["Online"],"wordCount":955,"articleBody":"   Ka\u017ed\u00fd v sou\u010dasn\u00e9 ale i v d\u0159\u00edv\u011bj\u0161\u00ed dob\u011b, ur\u010dit\u011b p\u0159em\u00fd\u0161lel o hypot\u00e9ce. Ale v\u00edte jak spr\u00e1vn\u011b postupovat p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku, nebo jak takovou hypot\u00e9ku v\u016fbec z\u00edskat ? D\u011bl\u00ed se hypot\u00e9ka do n\u011bjak\u00fdch skupin ? nebo ji m\u016f\u017ee z\u00edskat ka\u017ed\u00fd ? Vy\u0159\u00edzen\u00ed hypot\u00e9ky jako takov\u00e9 v\u00e1m zabere p\u0159ibli\u017en\u011b 3-4 t\u00fddn\u016f, z\u00e1le\u017e\u00ed na bance u kter\u00e9 o danou hypot\u00e9ku budete \u017e\u00e1dat. Pen\u00edze z hypot\u00e9ky m\u016f\u017eete z\u00edskat do dvou t\u00fddn\u016f pouze v p\u0159\u00edpadech \u017ee cel\u00fd pr\u016fb\u011bh \u017e\u00e1dosti o hypot\u00e9ku prob\u00edh\u00e1 hladce, pokud se v\u0161ak stane \u017ee se vyskytne jak\u00e1koliv mal\u00e1 chybi\u010dka m\u016f\u017eete na samotn\u00e9 vyplacen\u00ed hypot\u00e9ky \u010dekat t\u0159eba i 4 a\u017e 6 t\u00fddn\u016f. Tak\u017ee pro samotn\u00fd hladk\u00fd pr\u016fb\u011bh si mus\u00edte p\u0159ipravit hned n\u011bkolik dokument\u016f, a ve\u0161ker\u00e9 pot\u0159ebn\u00e9 informace. Jak jist\u011b v\u00edte, nebo jste si mohli kdekoliv na internetu p\u0159e\u010d\u00edst je to \u017ee podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky jako takov\u00e9 se s p\u0159ib\u00fdvaj\u00edc\u00edmi roky zp\u0159\u00eds\u0148uj\u00ed a zp\u0159\u00eds\u0148uj\u00ed, a bohu\u017eel to bude \u010d\u00edm d\u00e1l t\u00edm v\u00edc t\u011b\u017e\u0161\u00ed a t\u011b\u017e\u0161\u00ed. T\u00edm v\u00e1s samoz\u0159ejm\u011b nechceme zastra\u0161it, to v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b. Jen t\u00edm chceme upozornit na to \u017ee hypot\u00e9ku i kdy\u017e si to v\u011bt\u0161ina mysl\u00ed, nem\u016f\u017ee z\u00edskat ka\u017ed\u00fd a jen tak n\u011bkdo. Jak u\u017e bylo zm\u00edn\u011bno v\u00fd\u0161e, \u010dek\u00e1 v\u00e1s t\u0159\u00ed a\u017e \u010dty\u0159t\u00fddenn\u00ed vy\u0159izov\u00e1n\u00ed a za\u0159izov\u00e1n\u00ed. Jako prvn\u00ed d\u016fle\u017eitou podm\u00ednkou je samoz\u0159ejm\u011b v\u011bk \u017eadatele. Pokud chcete hypot\u00e9ku z\u00edskat mus\u00edte b\u00fdt star\u0161\u00ed 18ti let a mlad\u0161\u00ed 68 let. A to z toho d\u016fvodu \u017ee o hypot\u00e9ku m\u016f\u017ee \u017e\u00e1dat pouze osoba zletil\u00e1 a m\u016f\u017eete o ni po\u017e\u00e1dat do 68 let z d\u016fvodu \u017ee se ve v\u011bku v\u00edce jak 70 let m\u016f\u017ee st\u00e1t cokoliv, a pot\u00e9 by nebyl nikdo kdo by za v\u00e1s hypot\u00e9ku spl\u00e1cel. Jako druh\u00e1 v\u011bc je samoz\u0159ejm\u011b v\u00e1\u0161 p\u0159\u00edjem, do t\u00e9to kategorie m\u016f\u017eeme za\u0159adit cca 4 typ\u016f p\u0159\u00edjm\u016f, kter\u00e9 banka uzn\u00e1 za vhodn\u00e9. T\u011bmi jsou : Mzda z va\u0161eho moment\u00e1ln\u00edho zam\u011bstn\u00e1n\u00ed Pokud podnik\u00e1te, tak p\u0159\u00edjmy z podnik\u00e1n\u00ed d\u016fchod – m\u016f\u017ee to b\u00fdt jak starobn\u00ed nebo invalidn\u00ed tak ale i sirot\u010d\u00ed nebo vdovsk\u00fdPokud vyu\u017e\u00edv\u00e1te rodi\u010dovsk\u00fd p\u0159\u00edsp\u011bvek, banka v\u00e1m uzn\u00e1 i doklad z rodi\u010dovsk\u00e9ho p\u0159\u00edsp\u011bvkuSamoz\u0159ejm\u011b jste sly\u0161eli i pojem Bonita, Bonita je pro banky velice d\u016fle\u017eit\u00e1 a to z toho d\u016fvodu \u017ee d\u00edky bonit\u011b, mohou banky zjistit zda jste schopni v\u0161e bez probl\u00e9m\u016f spl\u00e1cet. A tak\u00e9 u v\u00e1s v \u017e\u00e1dn\u00e9 p\u0159\u00edpad\u011b nesm\u00ed naj\u00edt \u017e\u00e1dn\u00fd z\u00e1znam v rejst\u0159\u00edku dlu\u017en\u00edk\u016f, Pokud tedy m\u00e1te nebo jste m\u011bly exekuce, hypot\u00e9ku nez\u00edsk\u00e1te do t\u00e9 doby ne\u017e bude v\u00e1\u0161 rejst\u0159\u00edk op\u011bt naprosto \u010dist\u00fd.Podle nov\u011b stanoven\u00e9ho z\u00e1kona kter\u00fd za\u010dne platit 1.4.2022, v\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem nesm\u00ed p\u0159es\u00e1hnout cca 8,5 n\u00e1sobek. Podle t\u00e9to \u010d\u00e1stky v\u00e1m pot\u00e9 banka vypo\u010d\u00edt\u00e1 kolik v\u00e1m vlastn\u011b mohou p\u016fj\u010dit. Pokud o hypot\u00e9ku opravdu moc stoj\u00ed, m\u016f\u017eete si zv\u00fd\u0161it tzv. \u0161anci na z\u00edsk\u00e1n\u00ed hypot\u00e9ky, tuto \u0161anci si zv\u00fd\u0161\u00edte nap\u0159\u00edklad t\u00edm \u017ee pod\u00e1te \u017e\u00e1dost spole\u010dn\u011b se sv\u00fdm spolu\u017eadatelem. Bank\u00e1m tato mo\u017enost vyhovuje v\u00edce a to z toho d\u016fvodu, \u017ee pokud dan\u00e1 osoba vypadne s p\u0159\u00edjmem maj\u00ed za n\u011bho n\u00e1hradu pr\u00e1v\u011b v\u00e1mi zvolen\u00e9ho spolu\u017eadatele. Pro spolu\u017eadatele v\u0161ak plat\u00ed naprosto stejn\u00e9 podm\u00ednky jako pro \u017eadatele. Jak\u00e9 dokumenty si m\u00e1m p\u0159ipravit ?Pokud jste zam\u011bstnanec p\u0159ipravte si sv\u016fj pr\u016fkaz toto\u017enosti (ob\u010dansk\u00fd pr\u016fkaz), va\u0161e v\u00fdplatn\u00ed p\u00e1sky nebo mzdov\u00fd list (mus\u00edte p\u0159edlo\u017eit v\u00fdplatn\u00ed p\u00e1sky ale i mzdov\u00e9 listy za posledn\u00edch \u0161est m\u011bs\u00edc\u016f, a to z toho d\u016fvodu \u017ee jak p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku tak i p\u0159i \u017e\u00e1dosti o hypot\u00e9ku mus\u00edte m\u00edt odpracov\u00e1no maxim\u00e1ln\u011b p\u016fl roku (tedy \u0161est m\u011bs\u00edc\u016f). Jako dal\u0161\u00ed si mus\u00edte za\u017e\u00e1dat a p\u0159ipravit potvrzen\u00ed od va\u0161eho zam\u011bstnavatele o va\u0161em pr\u016fm\u011brn\u00e9m p\u0159\u00edjmu. A pokud si jakkoliv p\u0159ivyd\u011bl\u00e1v\u00e1te p\u0159ipravte si i osobn\u00ed p\u0159\u00edjmy. Pokud jste podnikatel (nebo osoba OSV\u010c) p\u0159ipravte si op\u011bt v\u00e1\u0161 pr\u016fkaz toto\u017enosti, pot\u00e9 sv\u016fj \u017eivnostensk\u00fd list a pop\u0159ipad\u011b i Koncese, tak\u00e9 si mus\u00edte p\u0159ipravit potvrzen\u00ed o tom \u017ee \u0159\u00e1dn\u011b plat\u00edte soci\u00e1ln\u00ed a zdravotn\u00ed, a p\u0159izn\u00e1n\u00ed k dani z p\u0159\u00edjmu za nejl\u00e9pe posledn\u00ed dva roky. Pokud jste v pron\u00e1jmu mus\u00edte p\u0159edlo\u017eit i va\u0161i n\u00e1jemn\u00ed smlouvu, a pokud naopak vlastn\u00edte n\u011bjakou nemovitost mus\u00edte dolo\u017eit i vlastnick\u00fd list k dan\u00e9 nemovitosti. V\u017edy si p\u0159ed samotn\u00fdm pod\u00e1n\u00ed \u017e\u00e1dosti, v\u0161e prostudujte nebo si nechte poradit o jak\u00e9hokoliv hypote\u010dn\u00edho poradce kter\u00fd v\u00e1m porad\u00ed jak hypot\u00e9ku z\u00edskat , aby jste se vyvarovali p\u0159\u00edpad\u016fm \u017ee budete ve v\u00fdsledku p\u0159ekvapen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           3.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chci z\u00edskat hypot\u00e9ku, ale nev\u00edm jak","item":"https:\/\/www.rehm.cz\/chci-ziskat-hypoteku-ale-nevim-jak\/#breadcrumbitem"}]}]