[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cmuch.cz\/hypoteky-nove\/#Article","mainEntityOfPage":"https:\/\/www.cmuch.cz\/hypoteky-nove\/","headline":"Hypot\u00e9ky nov\u011b","name":"Hypot\u00e9ky nov\u011b","description":"Snad ka\u017ed\u00fd v\u00ed, co je hypot\u00e9ka, tak\u017ee se nebudu zdr\u017eovat jej\u00ed p\u0159esnou definic\u00ed. Snad jen dod\u00e1m, co v\u00ed m\u00e1lokdo, \u017ee existuj\u00ed dva druhy, toti\u017e klasick\u00e1 a Americk\u00e1. Klasick\u00e1 je na nemovitost, Americk\u00e1 v podstat\u011b na cokoli. Z\u00edskat hypot\u00e9ku nen\u00ed jednoduch\u00e1 z\u00e1le\u017eitost, a ne ka\u017ed\u00fd ji dostane. A od \u0159\u00edjna leto\u0161n\u00edho roku (2018) to bude je\u0161t\u011b ... <a title=\"Hypot\u00e9ky nov\u011b\" class=\"read-more\" href=\"https:\/\/www.cmuch.cz\/hypoteky-nove\/\">Read more<span class=\"screen-reader-text\">Hypot\u00e9ky nov\u011b<\/span><\/a>","datePublished":"2023-05-07","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.cmuch.cz\/author\/#Person","name":"","url":"https:\/\/www.cmuch.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cmuch.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cmuch.cz\/wp-content\/uploads\/img_a318955_w1904_t1529828954.png","url":"https:\/\/www.cmuch.cz\/wp-content\/uploads\/img_a318955_w1904_t1529828954.png","height":0,"width":0},"url":"https:\/\/www.cmuch.cz\/hypoteky-nove\/","wordCount":403,"articleBody":"Snad ka\u017ed\u00fd v\u00ed, co je hypot\u00e9ka, tak\u017ee se nebudu zdr\u017eovat jej\u00ed p\u0159esnou definic\u00ed. Snad jen dod\u00e1m, co v\u00ed m\u00e1lokdo, \u017ee existuj\u00ed dva druhy, toti\u017e klasick\u00e1 a Americk\u00e1. Klasick\u00e1 je na nemovitost, Americk\u00e1 v podstat\u011b na cokoli.Z\u00edskat hypot\u00e9ku nen\u00ed jednoduch\u00e1 z\u00e1le\u017eitost, a ne ka\u017ed\u00fd ji dostane. A od \u0159\u00edjna leto\u0161n\u00edho roku (2018) to bude je\u0161t\u011b slo\u017eit\u011bj\u0161\u00ed. Nap\u0159\u00edklad ve spl\u00e1cen\u00ed.V podstat\u011b \u0159e\u010deno jste mohli spl\u00e1cet v\u00edce pen\u011bz m\u011bs\u00ed\u010dn\u011b, pokud v\u00e1m obrazn\u011b k j\u00eddlu sta\u010dil chl\u00e9b a voda. Toto pad\u00e1. Banky budou povinny ohl\u00eddat, aby klient spl\u00e1cel jen 45% ze sv\u00e9ho p\u0159\u00edjmu. \u0158eknete si no a? Jen\u017ee ono se to ve v\u00fdsledku hodn\u011b prom\u00edtne. Toti\u017e, budete spl\u00e1cet d\u00e9le, tedy i v\u00edce v procentech \u00farok\u016f atd. atd. Na konci zjist\u00edte, \u017ee jste se hodn\u011b \u201ezakrv\u00e1celi\u201c.D\u00e1le dle \u010cNB porostou \u00farokov\u00e9 sazby jako takov\u00e9, a to po dobu dvou a\u017e t\u0159\u00ed let. Pak by m\u011bly podle analytik\u016f dos\u00e1hnout Evropsk\u00e9 \u00farovn\u011b.Druh\u00e9 opat\u0159en\u00ed \u010cNB hovo\u0159\u00ed o celkov\u00e9m zadlu\u017een\u00ed \u017eadatele o \u00fav\u011br. Ten nesm\u00ed b\u00fdt vy\u0161\u0161\u00ed jak dev\u00edtin\u00e1sobek (n\u011bkde se uv\u00e1d\u00ed jen osmin\u00e1sobek) \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu. Co\u017e je dal\u0161\u00ed omezen\u00ed v\u016f\u010di neboh\u00e9mu \u017eadateli a asi i v\u016f\u010di bank\u00e1m, proto\u017ee, co si budeme nalh\u00e1vat, hypot\u00e9ku jsou pro n\u011b zlat\u00fd d\u016fl. I kdy\u017e klient neplat\u00ed, nemyslete si. Nemovitost zabav\u00ed a v klidu prod\u00e1 dal\u0161\u00edmu klientovi, a jestli si mysl\u00edte \u017ee se ztr\u00e1tou, jste na omylu.\u010cNB t\u0159\u00edsk\u00e1 do stolu s t\u00edm, \u017ee by klient m\u011bl m\u00edt na\u0161et\u0159eno minim\u00e1ln\u011b dvacet procent nemovitosti, o kterou projev\u00ed z\u00e1jem. Kde je m\u00e1 vz\u00edt zejm\u00e9na mlad\u00e1 klient ji\u017e nikoho nezaj\u00edm\u00e1.Uvid\u00edme, co bude d\u00e1le. Zn\u00e1me z minulosti, \u017ee se doporu\u010den\u00ed \u010cNB stalo jak\u00fdmsi rozkazem, tak\u017ee situace bude velmi zaj\u00edmav\u00e1. Ostatn\u011b nen\u00ed tajemstv\u00edm, \u017ee tyto doporu\u010den\u00ed chce \u010cNB do legislativy d\u00e1t jako na\u0159\u00edzen\u00ed. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b bank\u00e1m a poskytovatel\u016fm klientely notn\u011b ubude, pokud ov\u0161em nep\u0159ijdou na n\u011bjak\u00fd trik, kter\u00fdm v\u00fd\u0161e uveden\u00e9 \u201edoporu\u010den\u00ed\u201c obej\u00edt.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ky nov\u011b","item":"https:\/\/www.cmuch.cz\/hypoteky-nove\/#breadcrumbitem"}]}]