[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.intkos.cz\/jak-spravne-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.intkos.cz\/jak-spravne-na-hypoteku\/","headline":"Jak spr\u00e1vn\u011b na hypot\u00e9ku?","name":"Jak spr\u00e1vn\u011b na hypot\u00e9ku?","description":"Pen\u00edze u n\u00e1s v\u017edycky hr\u00e1ly v\u00fdznamnou roli, a to i v dob\u00e1ch relativn\u00edho rovnost\u00e1\u0159stv\u00ed d\u0159\u00edv\u011bj\u0161\u00edho re\u017eimu. V\u017edycky se u n\u00e1s na\u0161lo u\u010din\u011bn\u00e9 mo\u0159e t\u011bch, kdo jich cht\u011bli m\u00edt v\u00edc a v\u00edc, a tak\u00e9 v\u011bru dost t\u011bch, kdo jich m\u011bli na rozd\u00e1v\u00e1n\u00ed. A tak\u00e9 je rozd\u00e1vali, nebo daleko \u010dast\u011bji p\u016fj\u010dovali. A proto\u017ee jsou pen\u00edze d\u016fle\u017eit\u00e9, to\u010d\u00ed […]","datePublished":"2018-10-25","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.intkos.cz\/author\/#Person","name":"","url":"https:\/\/www.intkos.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"intkos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.intkos.cz\/wp-content\/uploads\/img_a332760_w2575_t1545752630.jpg","url":"https:\/\/www.intkos.cz\/wp-content\/uploads\/img_a332760_w2575_t1545752630.jpg","height":0,"width":0},"url":"https:\/\/www.intkos.cz\/jak-spravne-na-hypoteku\/","about":["Ekonomika"],"wordCount":511,"articleBody":" Pen\u00edze u n\u00e1s v\u017edycky hr\u00e1ly v\u00fdznamnou roli, a to i v dob\u00e1ch relativn\u00edho rovnost\u00e1\u0159stv\u00ed d\u0159\u00edv\u011bj\u0161\u00edho re\u017eimu. V\u017edycky se u n\u00e1s na\u0161lo u\u010din\u011bn\u00e9 mo\u0159e t\u011bch, kdo jich cht\u011bli m\u00edt v\u00edc a v\u00edc, a tak\u00e9 v\u011bru dost t\u011bch, kdo jich m\u011bli na rozd\u00e1v\u00e1n\u00ed. A tak\u00e9 je rozd\u00e1vali, nebo daleko \u010dast\u011bji p\u016fj\u010dovali. A proto\u017ee jsou pen\u00edze d\u016fle\u017eit\u00e9, to\u010d\u00ed se kolem nich i nejeden z na\u0161ich z\u00e1kon\u016f. Proto\u017ee ve financ\u00edch zkr\u00e1tka \u017e\u00e1dn\u00fd chaos nebo bezpr\u00e1v\u00ed panovat nem\u016f\u017ee. Tady jsou t\u0159eba jasn\u00e1 pravidla hry. Proto\u017ee tu o \u017e\u00e1dnou hru nejde. Pravidel je t\u0159eba kup\u0159\u00edkladu pr\u00e1v\u011b v hypot\u00e9k\u00e1ch, je\u017e jsou nejednou nezbytn\u00e9 nutn\u00e9 pro mlad\u00e9 lidi, kte\u0159\u00ed by bez nich jen st\u011b\u017e\u00ed nal\u00e9zali n\u011bjakou tu p\u0159\u00edhodnou st\u0159echu nad hlavou. Proto\u017ee ceny dom\u016f, byt\u016f i pozemk\u016f rostou a rostou a je velice t\u011b\u017ek\u00e9, ne-li p\u0159\u00edmo nemo\u017en\u00e9 dr\u017eet s nimi krok. D\u00edky v\u00fdhodn\u00fdm nab\u00eddk\u00e1m po\u010dty hypot\u00e9k rychle rostou. Jen\u017ee spolu s t\u00edm by m\u011bl r\u016fst i po\u010det t\u011bch, kdo se nad t\u011bmito opravdu zam\u00fd\u0161lej\u00ed, kdo rozumn\u011b zva\u017euj\u00ed, zda . Jak\u00e9 t\u0159eba zvolit fixa\u010dn\u00ed obdob\u00ed, aby jeden neprohloupil? Banky toto nab\u00edzej\u00ed klidn\u011b i a\u017e desetilet\u00e9, co\u017e ale odborn\u00edci pova\u017euj\u00ed za p\u0159\u00edli\u0161 dlouhou dobu a sami by doporu\u010dovali sp\u00ed\u0161e polovinu z tohoto \u010dasu. Proto\u017ee fixa\u010dn\u00ed obdob\u00ed p\u0159in\u00e1\u0161\u00ed komplikace v p\u0159\u00edpad\u011b pot\u0159eby refinancov\u00e1n\u00ed nebo p\u0159ed\u010dasn\u00e9ho splacen\u00ed a \u010dlov\u011bk m\u016f\u017ee m\u00edt sm\u016flu t\u0159eba i ve chv\u00edli, kdy zjist\u00ed, \u017ee se nerozhodl pro to prav\u00e9 a cht\u011bl by p\u016fj\u010dku refinancovat a koupit m\u00edsto velk\u00e9ho bytu nap\u0159\u00edklad prostorn\u00fd d\u016fm, nebo by cht\u011bl vym\u011bnit m\u011bsto za venkov \u010di p\u0159esn\u011b naopak. V takov\u00e9m p\u0159\u00edpad\u011b toti\u017e banka \u010dasto \u017e\u00e1d\u00e1 za p\u0159ed\u010dasn\u00e9 splacen\u00ed vysok\u00e9 poplatky, a to m\u016f\u017ee b\u00fdt dost krut\u00e1 r\u00e1na. A kv\u016fli tomu tu m\u00e1me nov\u00fd, od 1. prosince platn\u00fd z\u00e1kon, jen\u017e m\u00e1 klienty bank ochr\u00e1nit. D\u00e1v\u00e1 jim mo\u017enost splatit hypot\u00e9ku d\u0159\u00edve a za podstatn\u011b ni\u017e\u0161\u00ed poplatky, a tak\u00e9 p\u0159ikazuje bank\u00e1m sd\u011blovat p\u0159esn\u00e9 RPSN, je\u017e \u010dlov\u011bk b\u011bhem spl\u00e1cen\u00ed zaplat\u00ed. Nem\u00e1-li se tak z\u00e1jemce o hypot\u00e9ku pomysln\u011b sp\u00e1lit, m\u011bl by si v\u0161e d\u016fkladn\u011b promyslet a poradit se s odborn\u00edkem, respektive porovnat nab\u00eddky v\u011bt\u0161\u00edho po\u010dtu bank a pak zvolit to nejoptim\u00e1ln\u011bj\u0161\u00ed z toho, co je k m\u00e1n\u00ed. Proto\u017ee vlastn\u00ed bydlen\u00ed je sice k nezaplacen\u00ed, ale p\u0159esto se za n\u011bj plat\u00ed. A jenom bl\u00e1zen by platil v\u00edc, ne\u017e mus\u00ed.                                                                                                                                                                                                                                                                                                                                                                                         4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak spr\u00e1vn\u011b na hypot\u00e9ku?","item":"https:\/\/www.intkos.cz\/jak-spravne-na-hypoteku\/#breadcrumbitem"}]}]