{"id":339,"date":"2022-02-24T09:31:56","date_gmt":"2022-02-24T08:31:56","guid":{"rendered":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/02\/24\/4-myty-o-hypotece\/"},"modified":"2022-02-24T09:31:56","modified_gmt":"2022-02-24T08:31:56","slug":"4-myty-o-hypotece","status":"publish","type":"post","link":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/02\/24\/4-myty-o-hypotece\/","title":{"rendered":"4 m\u00fdty o&nbsp;hypot\u00e9ce, kter\u00e9 je na\u010dase zbo\u0159it"},"content":{"rendered":"\n<p>Kolem hypote\u010dn\u00edch \u00fav\u011br\u016f koluje n\u011bkolik m\u00fdt\u016f. Poj\u010fme je zbo\u0159it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Nejd\u016fle\u017eit\u011bj\u0161\u00ed p\u0159i v\u00fdb\u011bru hypote\u010dn\u00edho \u00fav\u011bru je v\u00fd\u0161e \u00faroku<\/strong><\/h4>\n\n\n\n<p>Nen\u00ed. Je d\u016fle\u017eit\u00e1, ale nen\u00ed jedinou prom\u011bnnou, na kterou byste se m\u011bli p\u0159i v\u00fdb\u011bru hypot\u00e9ky zam\u011b\u0159it. Pokud byste jen porovn\u00e1vali \u00farokov\u00e9 sazby, nakonec m\u016f\u017eete zvolit velmi drah\u00fd \u00fav\u011br.<\/p>\n\n\n\n<p>Hypot\u00e9ka toti\u017e v\u00a0sob\u011b zahrnuje zpravidla i&nbsp;<strong>dal\u0161\u00ed poplatky<\/strong>. A&nbsp;ty jsou \u010dasto velmi \u0161ikovn\u011b schovan\u00e9. Rad\u011bji \u010dt\u011bte i&nbsp;ta mal\u00e1 p\u00edsmenka.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Nejrychleji splacen\u00e1 hypot\u00e9ka je ta nejv\u00fdhodn\u011bj\u0161\u00ed<\/strong><\/h4>\n\n\n\n<p>Kr\u00e1tk\u00e1 doba spl\u00e1cen\u00ed m\u016f\u017ee znamenat velmi vysok\u00e9 spl\u00e1tky, a&nbsp;tedy vy\u0161\u0161\u00ed riziko, \u017ee se dostanete do probl\u00e9m\u016f.<\/p>\n\n\n\n<p>S\u00a0vy\u0161\u0161\u00edmi spl\u00e1tkami byste m\u011bli myslet tak\u00e9 na vy\u0161\u0161\u00ed rezervu. Ta by m\u011bla p\u0159edstavovat <strong>dostatek financ\u00ed na 6 m\u011bs\u00edc\u016f<\/strong>, pokud v\u00e1m n\u00e1hle vypadnou p\u0159\u00edjmy. \u017divot s\u00a0rychlou hypot\u00e9kou na \u00fakor vysok\u00fdch spl\u00e1tek opravdu nen\u00ed lehk\u00fd.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Pokud nezvl\u00e1dnete zaplatit, by\u0165 jen jednu spl\u00e1tku, skon\u010d\u00edte na ulici<\/strong><\/h4>\n\n\n\n<p>Hypote\u010dn\u00ed spole\u010dnosti nejsou a\u017e takov\u00ed bub\u00e1ci. A&nbsp;nep\u0159\u00edjemn\u00e9 situace, kdy se \u010dlov\u011bk s\u00a0hypot\u00e9kou dostane do finan\u010dn\u00edch pot\u00ed\u017e\u00ed a&nbsp;nen\u00ed schopn\u00fd spl\u00e1cet, dob\u0159e znaj\u00ed a&nbsp;jsou na n\u011b p\u0159ipraven\u00e9. T\u00edm samoz\u0159ejm\u011b nechci nikoho nab\u00e1dat k\u00a0tomu, aby bral hypot\u00e9ku na lehkou v\u00e1hu. Platit se mus\u00ed.<\/p>\n\n\n\n<p>Je ale fajn si uv\u011bdomit, \u017ee banka v\u00e1s nep\u0159iprav\u00ed o&nbsp;v\u0161e hned po prvn\u00edm prodlen\u00ed. <strong>D\u016fle\u017eit\u00e9 je komunikovat<\/strong>. V\u00a0moment\u011b, kdy v\u00edte, \u017ee p\u0159ich\u00e1z\u00ed finan\u010dn\u00ed probl\u00e9my a&nbsp;mo\u017en\u00e1 neschopnost spl\u00e1cet, ut\u00edkejte to \u0159\u00edct. Banka va\u0161i up\u0159\u00edmnost ocen\u00ed a&nbsp;bude se sna\u017eit v\u00e1m situaci uleh\u010dit.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Nemovitost s\u00a0hypot\u00e9kou je neprodejn\u00e1<\/strong><\/h4>\n\n\n\n<p>Ale nen\u00ed. I&nbsp;nemovitost s\u00a0hypot\u00e9kou m\u016f\u017eete vesele prodat. <strong>P\u0159i prodeji m\u00e1te dv\u011b mo\u017enosti<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Nechat si od z\u00e1jemce vyplatit odstupn\u00e9 a&nbsp;p\u0159ev\u00e9st na n\u011bj nemovitost i&nbsp;s\u00a0\u00fav\u011brem.<\/li><li>Nechat si zaplatit plnou kupn\u00ed cenu a&nbsp;tu pou\u017e\u00edt na p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky.<\/li><\/ul>\n\n\n\n<p>Chyst\u00e1m pro v\u00e1s podrobn\u00fd \u010dl\u00e1nek o&nbsp;prodeji nemovitosti s\u00a0hypot\u00e9kou, tam v\u00e1m vysv\u011btl\u00edm detaily. Pokud se v\u00e1m ov\u0161em nechce \u010dekat, j\u00e1 jsem na p\u0159\u00edjmu. <a href=\"https:\/\/www.maklermartin.cz\/kontakt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tak klidn\u011b volejte a&nbsp;ptejte se<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kolem hypote\u010dn\u00edch \u00fav\u011br\u016f koluje n\u011bkolik m\u00fdt\u016f. Poj\u010fme je zbo\u0159it. Nejd\u016fle\u017eit\u011bj\u0161\u00ed p\u0159i v\u00fdb\u011bru hypote\u010dn\u00edho \u00fav\u011bru je v\u00fd\u0161e \u00faroku Nen\u00ed. Je d\u016fle\u017eit\u00e1, ale nen\u00ed jedinou prom\u011bnnou, na kterou byste &#8230;<\/p>\n","protected":false},"author":1,"featured_media":340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"meta_box":[],"_links":{"self":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/339","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/comments?post=339"}],"version-history":[{"count":0,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/339\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media\/340"}],"wp:attachment":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media?parent=339"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/categories?post=339"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/tags?post=339"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}