{"id":356,"date":"2022-04-21T16:19:44","date_gmt":"2022-04-21T14:19:44","guid":{"rendered":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/04\/21\/mate-potize-se-splacenim-hypoteky-poradim-vam\/"},"modified":"2024-10-02T15:05:10","modified_gmt":"2024-10-02T13:05:10","slug":"mate-potize-se-splacenim-hypoteky-poradim-vam","status":"publish","type":"post","link":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/04\/21\/mate-potize-se-splacenim-hypoteky-poradim-vam\/","title":{"rendered":"M\u00e1te pot\u00ed\u017ee se spl\u00e1cen\u00edm hypot\u00e9ky? Porad\u00edm v\u00e1m!"},"content":{"rendered":"\n<p>Zdra\u017eov\u00e1n\u00ed hypot\u00e9ky je re\u00e1ln\u00e1 hrozba. <a href=\"https:\/\/www.maklermartin.cz\/2022\/02\/03\/realitni-trh-v-roce-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">Psal jsem o&nbsp;tom v&nbsp;tomto \u010dl\u00e1nku<\/a>. Jak se s&nbsp;t\u00edm ale vypo\u0159\u00e1dat? Co d\u011blat, kdy\u017e je to velk\u00fd z\u00e1sah do rodinn\u00e9ho rozpo\u010dtu a&nbsp;jde v\u00e1m doslova o&nbsp;krk?<\/p>\n\n\n\n<p>M\u00e1m pro v\u00e1s n\u011bkolik cenn\u00fdch rad.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Hlavn\u011b o&nbsp;tom mluvte (s&nbsp;bankou)<\/strong><\/h4>\n\n\n\n<p>Mysl\u00edte, \u017ee si banka va\u0161ich nezaplacen\u00fdch spl\u00e1tek nev\u0161imne? Je to bez \u0161ance. Banky jsou v&nbsp;dne\u0161n\u00ed dob\u011b vybaven\u00e9 tak propracovan\u00fdmi syst\u00e9my, \u017ee jim opravdu nic neunikne. Ani vy.<\/p>\n\n\n\n<p>Proto rada nad zlato zn\u00ed: o&nbsp;sv\u00e9m finan\u010dn\u00edm probl\u00e9mu mluvte. A&nbsp;ne\u010dekejte, a\u017e na to banka p\u0159ijde sama. <strong>Bu\u010fte proaktivn\u00ed<\/strong>. Projevte z\u00e1jem va\u0161i situaci \u0159e\u0161it. To je pro banku skv\u011bl\u00fd sign\u00e1l a&nbsp;sp\u00ed\u0161e v\u00e1m vyjde vst\u0159\u00edc nap\u0159\u00edklad <strong>odkladem spl\u00e1tek<\/strong>.<\/p>\n\n\n\n<p>Nevyh\u00fdbejte se o\u010dn\u00edmu kontaktu s&nbsp;bankou. Mluvte sn\u00ed. V\u011b\u0159te mi, va\u0161i situaci si tak uleh\u010d\u00edte.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Co pron\u00e1jem?<\/strong><\/h4>\n\n\n\n<p>Mo\u017enou cestou, <strong>jak z&nbsp;finan\u010dn\u00ed pasti ven<\/strong>, je va\u0161i nemovitost zat\u00ed\u017eenou hypot\u00e9kou za\u010d\u00edt pronaj\u00edmat a&nbsp;odst\u011bhovat se do levn\u011bj\u0161\u00edho pron\u00e1jmu. Pokud nem\u00e1te mo\u017enost se odst\u011bhovat, zva\u017ete spolubydl\u00edc\u00edho. <\/p>\n\n\n\n<p>\u0158ada lid\u00ed nehled\u00e1 vlastn\u00ed bydlen\u00ed, ale jen spolubydlen\u00ed. Voln\u00fd pokoj, kter\u00fd takov\u00e9mu z\u00e1jemci nab\u00eddnete, v\u00e1m p\u0159inese dal\u0161\u00edch n\u011bkolik tis\u00edc m\u011bs\u00ed\u010dn\u011b nav\u00edc.<\/p>\n\n\n<div class='fluentform ff-default fluentform_wrapper_4 ffs_custom_wrap'><form data-form_id=\"4\" id=\"fluentform_4\" class=\"frm-fluent-form fluent_form_4 ff-el-form-top ff_form_instance_4_1 ff-form-loading ffs_custom\" data-form_instance=\"ff_form_instance_4_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Odhad ceny nemovitosti<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='356' \/><input type=\"hidden\" id=\"_fluentform_4_fluentformnonce\" name=\"_fluentform_4_fluentformnonce\" value=\"eae1f2e6d7\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/maklermartin\/wp-json\/wp\/v2\/posts\/356\" \/><div class='ff-el-group  ff-custom_html' tabindex='-1' data-name=\"custom_html-4_1\" ><h2>Z\u00edskejte zdarma odhad ceny nemovitosti<\/h2>\n<div id=\"code_block-16-32\" class=\"ct-code-block lajna\" style=\"width: 72px\"><!-- --><\/div>\n<p>Zadejte kontakt, zavol\u00e1me v\u00e1m, zept\u00e1me se v\u00e1s na p\u00e1r ot\u00e1zek k nemovitosti a \u0159ekneme v\u00e1m jej\u00ed r\u00e1mcovou cenu.<\/p><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_4_input_text' aria-label=\"Obec\">Obec<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"input_text\" class=\"ff-el-form-control\" placeholder=\"Kde se nemovitost nach\u00e1z\u00ed...\" data-name=\"input_text\" id=\"ff_4_input_text\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div data-name=\"ff_cn_id_1\"  class='ff-t-container ff-column-container ff_columns_total_2  has-conditions '><div class='ff-t-cell ff-t-column-1' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_4_email' aria-label=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_4_email\" class=\"ff-el-form-control\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell ff-t-column-2' style='flex-basis: 50%;'><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_4_phone' aria-label=\"Telefon\">Telefon<\/label><\/div><div class='ff-el-input--content'><input name=\"phone\" class=\"ff-el-form-control ff-el-phone\" type=\"tel\" data-name=\"phone\" id=\"ff_4_phone\" inputmode=\"tel\"  aria-invalid='false' aria-required=true><\/div><\/div><\/div><\/div><div class='ff-el-group has-conditions skipstyleradio ff_list_3col'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label  aria-label=\"Chci z\u00edskat odhad ceny\">Chci z\u00edskat odhad ceny<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for=input_radio_46cf5663dc1acb4a97e499dbc683da4f><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"bytu\"  id='input_radio_46cf5663dc1acb4a97e499dbc683da4f' aria-label='bytu' aria-invalid='false' aria-required=true> <span>bytu<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for=input_radio_d0d5a1aa90a790fc7e4d7ef15079ebc6><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"domu\"  id='input_radio_d0d5a1aa90a790fc7e4d7ef15079ebc6' aria-label='domu' aria-invalid='false' aria-required=true> <span>domu<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for=input_radio_c8126ff572b376219038ff5f86df5c71><input  type=\"radio\" name=\"input_radio\" data-name=\"input_radio\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"pozemku\"  id='input_radio_c8126ff572b376219038ff5f86df5c71' aria-label='pozemku' aria-invalid='false' aria-required=true> <span>pozemku<\/span><\/label><\/div><\/div><\/div><div class='ff-el-group has-conditions'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_4_description' aria-label=\"Zde napi\u0161te zpr\u00e1vu\">Zde napi\u0161te zpr\u00e1vu<\/label><\/div><div class='ff-el-input--content'><textarea aria-invalid=\"false\" aria-required=false name=\"description\" id=\"ff_4_description\" class=\"ff-el-form-control\" rows=\"3\" cols=\"2\" data-name=\"description\" ><\/textarea><\/div><\/div><div class='ff-el-group   has-conditions  ff-el-input--content'><div class='ff-el-form-check ff-el-tc'><label aria-label='Terms and Conditions: Zadan\u00e9 \u00fadaje zpracov\u00e1me dle t\u011bchto podm\u00ednek. Contains 1 link. Use tab navigation to review.' class='ff-el-form-check-label ff_tc_label' for=terms-n-condition_7ba8c83c400f6f5f78fa71220bce83b4> <div class='ff_t_c'><p>Zadan\u00e9 \u00fadaje zpracov\u00e1me dle t\u011bchto <a href=\"https:\/\/www.remaxalfa.cz\/souhlas-se-zpracovanim-osobnich-udaju\" target=\"_blank\" rel=\"noopener\">podm\u00ednek<\/a>.<\/p><\/div><\/label><\/div><\/div><div class='ff-el-group ff-text-left  has-conditions ff_submit_btn_wrapper ff_submit_btn_wrapper_custom'><button class=\"ff-btn ff-btn-submit ff-btn-md width--full btn--action margin-top--m ff_btn_no_style\" type=\"submit\" name=\"custom_submit_button-4_2\" data-name=\"custom_submit_button-4_2\" >Chci z\u00edskat odhad ceny<\/button><\/div><\/fieldset><\/form><div id='fluentform_4_errors' class='ff-errors-in-stack ff_form_instance_4_1 ff-form-loading_errors ff_form_instance_4_1_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_4_1 = {\"id\":\"4\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\",\"asteriskPlacement\":\"asterisk-right\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_4_1\",\"form_id_selector\":\"fluentform_4\",\"rules\":{\"input_text\":{\"required\":{\"value\":true,\"message\":\"Toto pole je povinn\\u00e9.\",\"global_message\":\"Toto pole je povinn\\u00e9.\",\"global\":true}},\"email\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global\":false,\"global_message\":\"Toto pole je povinn\\u00e9.\"},\"email\":{\"value\":true,\"message\":\"This field must contain a valid email\",\"global\":false,\"global_message\":\"This field must contain a valid email\"}},\"phone\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global\":false,\"global_message\":\"Toto pole je povinn\\u00e9.\"},\"valid_phone_number\":{\"value\":false,\"message\":\"Phone number is not valid\",\"global\":false,\"global_message\":\"Phone number is not valid\"}},\"input_radio\":{\"required\":{\"value\":true,\"message\":\"Toto pole je povinn\\u00e9.\",\"global_message\":\"Toto pole je povinn\\u00e9.\",\"global\":true}},\"description\":{\"required\":{\"value\":false,\"message\":\"This field is required\",\"global\":false,\"global_message\":\"Toto pole je povinn\\u00e9.\"}},\"terms-n-condition\":{\"required\":{\"value\":false,\"message\":\"Toto pole je povinn\\u00e9.\",\"global_message\":\"Toto pole je povinn\\u00e9.\",\"global\":true}}},\"debounce_time\":300,\"conditionals\":{\"ff_cn_id_1\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"input_text\",\"value\":\"\",\"operator\":\"!=\"}]},\"email\":{\"conditions\":[],\"status\":false,\"type\":\"any\",\"container_condition\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"input_text\",\"value\":\"\",\"operator\":\"!=\"}]}},\"phone\":{\"conditions\":[],\"status\":false,\"type\":\"any\",\"container_condition\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"input_text\",\"value\":\"\",\"operator\":\"!=\"}]}},\"input_radio\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"input_text\",\"value\":\"\",\"operator\":\"!=\"}]},\"description\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"input_text\",\"value\":\"\",\"operator\":\"!=\"}]},\"terms-n-condition\":{\"type\":\"all\",\"status\":true,\"conditions\":[{\"field\":\"input_text\",\"value\":\"\",\"operator\":\"!=\"}]},\"custom_submit_button-4_2\":{\"type\":\"any\",\"status\":true,\"conditions\":[{\"field\":\"input_text\",\"value\":\"\",\"operator\":\"!=\"}]}}};\n                            <\/script>\n            \n\n\n\n<h4 class=\"wp-block-heading\"><strong>Upravte rodinn\u00fd rozpo\u010det<\/strong><\/h4>\n\n\n\n<p>Pen\u00edze na dra\u017e\u0161\u00ed spl\u00e1tku hypot\u00e9ky mo\u017en\u00e1 z\u00edsk\u00e1te, kdy\u017e uskromn\u00edte va\u0161e <strong>m\u011bs\u00ed\u010dn\u00ed v\u00fddaje<\/strong>. Na prvn\u00ed pohled se m\u016f\u017ee zd\u00e1t, \u017ee u\u017e t\u0159eba nen\u00ed kde \u0161et\u0159it, p\u0159esto doporu\u010duji si pe\u010dliv\u011b proj\u00edt va\u0161e v\u00fdlohy.<\/p>\n\n\n\n<p>Projd\u011bte si platby za poji\u0161t\u011bn\u00ed, energie, telefon, potraviny, restaurace atd. Hledejte ty polo\u017eky, bez kter\u00fdch se snadno obejdete. \u0160krtejte i&nbsp;sebemen\u0161\u00ed \u010d\u00e1stky. Dohromady mohou na konci tvo\u0159it zaj\u00edmavou sumu, kterou m\u016f\u017eete pou\u017e\u00edt na <strong>spl\u00e1tku hypot\u00e9ky<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Prodejte to<\/strong><\/h4>\n\n\n\n<p>U\u017e je to nesnesiteln\u00e9? Spl\u00e1tky v\u00e1s t\u00ed\u017e\u00ed, banka nah\u00e1n\u00ed a&nbsp;nen\u00ed kde \u0161krtat? Tak je tu posledn\u00ed rada. Nemovitost prodat.<\/p>\n\n\n\n<p>Pokud se nach\u00e1z\u00edte v&nbsp;podobn\u00e9 situaci, s&nbsp;prodejem sp\u011bchejte. Jinak riskujete, \u017ee se dostanete na <strong>registr nespolehliv\u00fdch dlu\u017en\u00edk\u016f<\/strong> a&nbsp;zkomplikujete si \u010derp\u00e1n\u00ed hypot\u00e9ky na dal\u0161\u00ed roky dop\u0159edu.<\/p>\n\n\n\n<p>Ov\u0161em ne zas tak rychle, hlavn\u011b v\u0161e s&nbsp;rozmyslem. \u010castou chybou jsou zbrkl\u00e1 rozhodnut\u00ed, kdy prod\u00e1vaj\u00edc\u00ed s&nbsp;finan\u010dn\u00edmi probl\u00e9my prod\u00e1 prvn\u00edmu z\u00e1jemci nemovitost klidn\u011b i&nbsp;pod cenou.<\/p>\n\n\n\n<p>Ch\u00e1pu, \u017ee se m\u016f\u017eete c\u00edtit pod tlakem. R\u00e1d v\u00e1m s&nbsp;prodejem nemovitosti pomohu i&nbsp;v&nbsp;takto slo\u017eit\u00e9 situaci. Abyste neprohloupili a&nbsp;<strong>prodali co nejv\u00fdhodn\u011bji <\/strong>a zdra\u017eov\u00e1n\u00ed hypot\u00e9k v\u00e1s co nejm\u00e9n\u011b zas\u00e1hlo. <a href=\"https:\/\/www.maklermartin.cz\/kontakt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Obra\u0165te se na m\u011b<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zdra\u017eov\u00e1n\u00ed hypot\u00e9ky je re\u00e1ln\u00e1 hrozba. Psal jsem o&nbsp;tom v&nbsp;tomto \u010dl\u00e1nku. Jak se s&nbsp;t\u00edm ale vypo\u0159\u00e1dat? Co d\u011blat, kdy\u017e je to velk\u00fd z\u00e1sah do rodinn\u00e9ho rozpo\u010dtu a&nbsp;jde v\u00e1m &#8230;<\/p>\n","protected":false},"author":1,"featured_media":357,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-356","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\/356","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=356"}],"version-history":[{"count":1,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/356\/revisions"}],"predecessor-version":[{"id":732,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/356\/revisions\/732"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media\/357"}],"wp:attachment":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media?parent=356"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/categories?post=356"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/tags?post=356"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}