[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.okpo.cz\/bydleni-je-stale-nedostupnejsi\/#Article","mainEntityOfPage":"https:\/\/www.okpo.cz\/bydleni-je-stale-nedostupnejsi\/","headline":"Bydlen\u00ed je st\u00e1le nedostupn\u011bj\u0161\u00ed","name":"Bydlen\u00ed je st\u00e1le nedostupn\u011bj\u0161\u00ed","description":"Vzhledem dlouhodob\u011b vysok\u00fdm cen\u00e1m nemovitosti v \u010cesk\u00e9 republice mus\u00ed naprost\u00e1 v\u011bt\u0161ina lid\u00ed financovat svoje bydlen\u00ed pomoc\u00ed hypot\u00e9ky. \u010cNB vydala p\u0159ed dv\u011bma lety novou metodiku pro banky, kde doporu\u010duje zm\u011bnit p\u0159\u00edstup v poskytov\u00e1n\u00ed hypot\u00e9k. Do t\u00e9 doby bylo celkem b\u011b\u017en\u00e9 \u017ee hypot\u00e9ku z\u00edskal ka\u017ed\u00fd, kdo m\u011bl dostate\u010dn\u00e9 p\u0159\u00edjmy. Po t\u00e9to zm\u011bn\u011b do\u0161lo k opaku, a to<span class=\"post-excerpt-end\">&hellip;<\/span><p class=\"more-link\"><a href=\"https:\/\/www.okpo.cz\/bydleni-je-stale-nedostupnejsi\/\" class=\"themebutton\">Read More<\/a><\/p>","datePublished":"2024-12-10","dateModified":"2024-12-10","author":{"@type":"Person","@id":"https:\/\/www.okpo.cz\/author\/#Person","name":"","url":"https:\/\/www.okpo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"okpo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.okpo.cz\/wp-content\/uploads\/bank-2907728_640_10_10_8.jpg","url":"https:\/\/www.okpo.cz\/wp-content\/uploads\/bank-2907728_640_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.okpo.cz\/bydleni-je-stale-nedostupnejsi\/","about":["Pen\u00edze"],"wordCount":399,"articleBody":"        Vzhledem dlouhodob\u011b vysok\u00fdm cen\u00e1m nemovitosti v \u010cesk\u00e9 republice mus\u00ed naprost\u00e1 v\u011bt\u0161ina lid\u00ed financovat svoje bydlen\u00ed pomoc\u00ed hypot\u00e9ky. \u010cNB vydala p\u0159ed dv\u011bma lety novou metodiku pro banky, kde doporu\u010duje zm\u011bnit p\u0159\u00edstup v poskytov\u00e1n\u00ed hypot\u00e9k. Do t\u00e9 doby bylo celkem b\u011b\u017en\u00e9 \u017ee hypot\u00e9ku z\u00edskal ka\u017ed\u00fd, kdo m\u011bl dostate\u010dn\u00e9 p\u0159\u00edjmy. Po t\u00e9to zm\u011bn\u011b do\u0161lo k opaku, a to k tomu, \u017ee banky poskytuj\u00ed mnohem ni\u017e\u0161\u00ed objem hypot\u00e9k ne\u017e v p\u0159edchoz\u00edch letech.Jak ji z\u00edskat?Ka\u017ed\u00e1 banka posuzuje \u017e\u00e1dosti o hypot\u00e9ku podle vlastn\u00edch intern\u00edch p\u0159edpis\u016f, ale v\u0161echny banky v\u00edcem\u00e9n\u011b dodr\u017euj\u00ed doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Je tak pot\u0159eba m\u00edt nejenom dostate\u010dn\u00e9 p\u0159\u00edjmy, ale i zcela minim\u00e1ln\u00ed v\u00fddaje a samoz\u0159ejm\u011b \u017ee \u017eadatel nesm\u00ed m\u00edt \u017e\u00e1dn\u00e9 dluhy, ani b\u00fdt po insolvenci. Pro skupinu osob se \u0161patnou platebn\u00ed histori\u00ed v podstat\u011b neexistuje \u0161ance, jak hypot\u00e9ku u n\u011bkter\u00e9 z bank z\u00edskat. Probl\u00e9m je v tom, \u017ee \u010dlov\u011bk si \u010dasto m\u016f\u017ee dostat do dluh\u016f bez vlastn\u00edho p\u0159i\u010din\u011bn\u00ed, co\u017e ale banky p\u0159i vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku v\u016fbec neberou v potaz.Pokud si budete cht\u00edt vz\u00edt hypot\u00e9ku, mus\u00edte dnes po\u010d\u00edtat s t\u00edm, \u017ee budete pot\u0159ebovat:Vlastn\u00ed pozemek ke stavb\u011bD\u016fm nebo byt k rekonstrukciNebo naspo\u0159enou ur\u010ditou sumu pen\u011bzBanky v dne\u0161n\u00ed dob\u011b neposkytuj\u00ed stoprocentn\u00ed hypot\u00e9ky, a proto mus\u00edte m\u00edt naspo\u0159enou \u010d\u00e1stku kterou v\u00e1m banka v\u00ed po\u010d\u00edt\u00e1 s ohledem na v\u00fd\u0161i hypot\u00e9ky, kterou si budete cht\u00edt vz\u00edt. St\u00e1le existuje mo\u017enost, \u017ee v\u00e1m banka \u017e\u00e1dost o hypot\u00e9ku zam\u00edtne. Co d\u011blat v takov\u00e9m p\u0159\u00edpad\u011b? Pokud m\u00e1te dostate\u010dn\u00e9 p\u0159\u00edjmy a nebude v\u00e1m vadit v\u011bt\u0161inou vy\u0161\u0161\u00ed \u00farok, m\u016f\u017eete kontaktovat nebankovn\u00ed sektor. Nebankovn\u00ed instituce poskytuj\u00ed nebankovn\u00ed hypot\u00e9ky, kter\u00e9 maj\u00ed oproti klasick\u00e9 hypot\u00e9ce od banky spoustu v\u00fdhod. Ty jsou ale v\u011bt\u0161inou vy koupen\u00fd pr\u00e1v\u011b vy\u0161\u0161\u00edm \u00farokem. Stoj\u00ed ale za zv\u00e1\u017een\u00ed, zda si takovou hypot\u00e9ku vz\u00edt, a zda budete m\u00edt finance na spl\u00e1cen\u00ed vy\u0161\u0161\u00edch \u00farok\u016f.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bydlen\u00ed je st\u00e1le nedostupn\u011bj\u0161\u00ed","item":"https:\/\/www.okpo.cz\/bydleni-je-stale-nedostupnejsi\/#breadcrumbitem"}]}]