{"id":134625,"date":"2026-06-30T23:20:09","date_gmt":"2026-06-30T23:20:09","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/134625\/"},"modified":"2026-06-30T23:20:09","modified_gmt":"2026-06-30T23:20:09","slug":"beru-150-tisic-mesicne-a-presto-mi-banka-odmita-dat-hypoteku-na-garsonku-bytova-krize-dopada-i-na-bohate","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/134625\/","title":{"rendered":"Beru 150 tis\u00edc m\u011bs\u00ed\u010dn\u011b, a p\u0159esto mi banka odm\u00edt\u00e1 d\u00e1t hypot\u00e9ku na garsonku. Bytov\u00e1 krize dopad\u00e1 i na bohat\u00e9"},"content":{"rendered":"

Podle expert\u016f m\u016f\u017ee hypote\u010dn\u00ed boom z\u00a0prvn\u00ed poloviny
\nleto\u0161n\u00edho roku pom\u011brn\u011b rychle skon\u010dit. Geopolitick\u00e9 nap\u011bt\u00ed toti\u017e \u017eene
\nvzh\u016fru cenu pen\u011bz, kv\u016fli \u010demu\u017e hypot\u00e9ky znovu zdra\u017euj\u00ed. Vlastn\u00ed bydlen\u00ed tak m\u016f\u017ee b\u00fdt hodn\u011b
\ndrah\u00e1 v\u011bc. Dokonce na n\u011bj nemus\u00ed dos\u00e1hnout t\u0159eba ani osoby
\nsamostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinn\u00e9 (OSV\u010c), kter\u00e9 vyd\u011bl\u00e1vaj\u00ed 150\u00a0tis\u00edc
\nm\u011bs\u00ed\u010dn\u011b. Pro banky to toti\u017e nemus\u00ed b\u00fdt v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech
\ndostate\u010dn\u00e9.<\/p>\n

Tohle m\u016f\u017ee b\u00fdt u\u00a0hypot\u00e9ky velk\u00fd probl\u00e9m<\/p>\n

I\u00a0kdy\u017e m\u00e1te v\u00fdrazn\u011b nadpr\u016fm\u011brn\u00fd p\u0159\u00edjem, je\u0161t\u011b
\nto neznamen\u00e1, \u017ee dos\u00e1hnete na hypot\u00e9ku. Pot\u0159ebujete m\u00edt toti\u017e n\u011bco
\nna\u0161et\u0159eno. Banky p\u0159i
\nposkytov\u00e1n\u00ed hypot\u00e9k zpravidla vych\u00e1zej\u00ed z\u00a0doporu\u010den\u00ed \u010cesk\u00e9 n\u00e1rodn\u00ed
\nbanky (\u010cNB), kter\u00e1 se t\u00fdkaj\u00ed maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru vzhledem k\u00a0hodnot\u011b
\nnemovitosti. Zkr\u00e1cen\u011b se to naz\u00fdv\u00e1 LTV (loan-to-value). Ud\u00e1v\u00e1 se
\nv\u00a0procentech a ur\u010duje, jak velkou \u010d\u00e1st hodnoty nemovitosti v\u00e1m banka
\np\u016fj\u010d\u00ed. Zbytek mus\u00edte doplatit z\u00a0vlastn\u00edch zdroj\u016f.<\/p>\n

Aktu\u00e1ln\u011b v\u00e1m mohou banky obecn\u011b p\u016fj\u010dit na 80\u00a0%
\nhodnoty nemovitosti a zbytek, tedy zbyl\u00fdch 20\u00a0%, mus\u00edte pokr\u00fdt z\u00a0vlastn\u00edch
\n\u00faspor, by\u0165 pro osoby do 36\u00a0let se jedn\u00e1 o\u00a0pom\u011br 90\/10. U\u00a0velmi slu\u0161n\u011b vyd\u011bl\u00e1vaj\u00edc\u00edch OSV\u010c
\nm\u016f\u017ee b\u00fdt probl\u00e9m tak\u00e9 pau\u0161\u00e1ln\u00ed da\u0148 ve v\u00fd\u0161i 60\u00a0%. A\u010dkoli
\ntohle \u0159e\u0161en\u00ed b\u00fdv\u00e1 v\u00fdhodn\u00e9 pro samotn\u00e9 dan\u011b, pro hypot\u00e9ku to neplat\u00ed,
\nzvl\u00e1\u0161\u0165 u\u00a0finan\u010dn\u011b n\u00e1ro\u010dn\u011bj\u0161\u00edch nemovitost\u00ed. U\u00a0v\u011bt\u0161iny
\npodnikatel\u016f v\u00a0pau\u0161\u00e1ln\u00edm re\u017eimu nen\u00ed za spln\u011bn\u00ed z\u00e1konn\u00fdch podm\u00ednek
\nnutn\u00e9 pod\u00e1vat da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, co\u017e je praktick\u00e9, pro banku lze m\u00edt
\ni\u00a0p\u0159i skute\u010dn\u00e9m p\u0159\u00edjmu 150\u00a0000\u00a0K\u010d p\u0159\u00edjem t\u0159eba jen 60\u00a0000\u00a0K\u010d.<\/p>\n


\n
\n <\/a>Dostat hypot\u00e9ku dnes nemus\u00ed b\u00fdt jednoduch\u00e9
\n , …<\/p>\n

Hypot\u00e9ka a pau\u0161\u00e1ln\u00ed da\u0148 u\u00a0OSV\u010c<\/p>\n

U\u00a0OSV\u010c mimo pau\u0161\u00e1ln\u00ed da\u0148 v\u011bt\u0161inou banky pracuj\u00ed se
\nz\u00e1kladem dan\u011b z\u00a0da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. U \u201epau\u0161\u00e1lu\u201c \u010dasto vyu\u017e\u00edvaj\u00ed
\nv\u00fdpisy z\u00a0bankovn\u00edho \u00fa\u010dtu s\u00a0tr\u017ebami z\u00a0podnik\u00e1n\u00ed, z\u00a0nich\u017e odvod\u00ed
\n\u010dist\u00fd uznateln\u00fd p\u0159\u00edjem. Jednotliv\u00e9 instituce se li\u0161\u00ed v\u00a0tom,
\njak\u00e9 dokumenty po\u017eaduj\u00ed a jak\u00e9 procento z\u00a0obratu uznaj\u00ed. \u010c\u00e1st z\u00a0nich
\np\u0159izn\u00e1v\u00e1 fixn\u00ed procento z\u00a0ro\u010dn\u00edho obratu (cca 15\u00a0a\u017e 30\u00a0%), dal\u0161\u00ed
\nzohled\u0148uj\u00ed obor, sez\u00f3nnost a stability plateb. D\u016fle\u017eit\u00e9 b\u00fdv\u00e1
\ni\u00a0potvrzen\u00ed o\u00a0bezdlu\u017enosti \u010di to, jak dlouho OSV\u010c podnik\u00e1. Dva lid\u00e9 se
\nstejn\u00fdm obratem zkr\u00e1tka mohou v\u00a0r\u016fzn\u00fdch bank\u00e1ch vyj\u00edt s\u00a0odli\u0161n\u00fdm
\n\u201e\u010dist\u00fdm p\u0159\u00edjmem\u201c.<\/p>\n

Praktick\u00e9 kroky, jak hypot\u00e9ku \u0159e\u0161it<\/p>\n

Probl\u00e9mem (nejen) pro OSV\u010c m\u016f\u017ee b\u00fdt tak\u00e9 vysok\u00fd
\nn\u00e1jem a dal\u0161\u00ed pravideln\u00e9 v\u00fddaje. Pokud chcete hypot\u00e9ku na dra\u017e\u0161\u00ed
\nnemovitost, mus\u00edte m\u00edt dostatek vlastn\u00edch \u00faspor. A\u00a0to dnes nen\u00ed
\njednoduch\u00e9. I\u00a0oby\u010dejn\u00e1 garsonka v\u00a0Praze m\u016f\u017ee st\u00e1t p\u0159es 6\u00a0milion\u016f
\nkorun, tak\u017ee na\u0161et\u0159it 20\u00a0% z\u00a0kupn\u00ed ceny p\u0159edstavuje pro mnoho lid\u00ed
\nvelkou p\u0159ek\u00e1\u017eku. Jedn\u00edm
\nz\u00a0\u0159e\u0161en\u00ed je postupn\u011b vytvo\u0159it dostate\u010dnou finan\u010dn\u00ed rezervu na pokryt\u00ed
\n\u010d\u00e1sti kupn\u00ed ceny nemovitosti. Lze sice ru\u010dit i\u00a0dal\u0161\u00ed
\nnemovitost\u00ed, p\u0159i\u010dem\u017e pak je mo\u017en\u00e9 z\u00edskat i\u00a0100% hypot\u00e9ku bez nutnosti
\nvlastn\u00edch na\u0161et\u0159en\u00fdch pen\u011bz, ale tuhle mo\u017enost nem\u00e1 ani
\nzdaleka\u00a0ka\u017ed\u00fd.<\/p>\n


\n
\n <\/a>Probl\u00e9m m\u016f\u017ee nastat p\u0159edev\u0161\u00edm u dra\u017e\u0161\u00edch nemovitost\u00ed
\n , Mino Surkala \/…<\/p>\n

Odborn\u00edci ka\u017edop\u00e1dn\u011b OSV\u010c doporu\u010duj\u00ed odd\u011blit
\npodnikatelsk\u00fd a osobn\u00ed \u00fa\u010det, pos\u00edlat tr\u017eby bezhotovostn\u011b nebo platit
\npau\u0161\u00e1ln\u00ed da\u0148 v\u010das. Sn\u00ed\u017eit hypot\u00e9ku lze t\u00edm, \u017ee zvol\u00edte del\u0161\u00ed
\nspl\u00e1tkov\u00e9 obdob\u00ed. Pak sice budete platit m\u00e9n\u011b, ale tak\u00e9 d\u00e9le, a tedy
\ni\u00a0v\u00fdrazn\u011b v\u00edce p\u0159eplat\u00edte. Lep\u0161\u00edm krokem je tedy d\u016fkladn\u011b srovnat
\nnab\u00eddky jednotliv\u00fdch bank. Lze jich p\u0159\u00edpadn\u011b oslovit v\u00edce a
\nzjistit, co v\u00e1m ta kter\u00e1 bankovn\u00ed instituce nab\u00edz\u00ed. U \u201epau\u0161\u00e1lu\u201c
\nm\u016f\u017ee ostatn\u011b rozptyl v\u00a0uzn\u00e1van\u00e9m procentu z\u00a0obratu znamenat rozd\u00edl
\nstovek tis\u00edc\u00a0korun.<\/p>\n

Probl\u00e9my
\ns\u00a0hypot\u00e9kou mohou m\u00edt zkr\u00e1tka i\u00a0vy\u0161\u0161\u00ed p\u0159\u00edjmov\u00e9 skupiny. Sou\u010dasn\u00e1
\nvl\u00e1dn\u00ed koalice ka\u017edop\u00e1dn\u011b chyst\u00e1 zm\u011bny ve
\nst\u00e1tn\u00ed podpo\u0159e hypot\u00e9k<\/a>, kter\u00e9 by m\u011bly pomoci mlad\u00fdm. Lid\u00e9 do 36\u00a0let
\nby toti\u017e mohli z\u00edskat v\u00fdhodn\u011bj\u0161\u00ed da\u0148ov\u00e9 odpo\u010dty ze zaplacen\u00fdch
\nhypote\u010dn\u00edch\u00a0\u00fav\u011br\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"Podle expert\u016f m\u016f\u017ee hypote\u010dn\u00ed boom z\u00a0prvn\u00ed poloviny leto\u0161n\u00edho roku pom\u011brn\u011b rychle skon\u010dit. Geopolitick\u00e9 nap\u011bt\u00ed toti\u017e \u017eene vzh\u016fru cenu…\n","protected":false},"author":2,"featured_media":134626,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[67,68,1313,6233,36141],"class_list":["post-134625","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-business","tag-byznys","tag-hypoteka","tag-osvc","tag-pausalni-dan"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116841626094397164","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/134625","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=134625"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/134625\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/134626"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=134625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=134625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=134625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}