{"id":384,"date":"2022-07-29T16:07:45","date_gmt":"2022-07-29T14:07:45","guid":{"rendered":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/07\/29\/3-caste-myty-o-hypotekach-kterym-byste-verit-nemeli\/"},"modified":"2024-10-02T15:01:45","modified_gmt":"2024-10-02T13:01:45","slug":"3-caste-myty-o-hypotekach-kterym-byste-verit-nemeli","status":"publish","type":"post","link":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/07\/29\/3-caste-myty-o-hypotekach-kterym-byste-verit-nemeli\/","title":{"rendered":"3 \u010dast\u00e9 m\u00fdty o&nbsp;hypot\u00e9k\u00e1ch, kter\u00fdm byste v\u011b\u0159it nem\u011bli"},"content":{"rendered":"\n<p>Mo\u017en\u00e1 u\u017e jste je n\u011bkde sly\u0161eli. T\u0159i \u010dast\u00e9 m\u00fdty o&nbsp;hypot\u00e9k\u00e1ch, kter\u00e9 ve spole\u010dnosti koluj\u00ed. Dnes je v\u0161echny vyvr\u00e1t\u00edme a&nbsp;vysv\u011btl\u00edme si, pro\u010d se jich nemus\u00edte b\u00e1t.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">M\u00fdtus \u010d. 1: <strong>Nemovitost s&nbsp;hypot\u00e9kou neprod\u00e1te<\/strong><\/h4>\n\n\n\n<p>Zkuste se na hypot\u00e9ku p\u0159estat d\u00edvat jako na jak\u00fdsi \u0159et\u011bz, kter\u00fd svazuje va\u0161i nemovitost a&nbsp;zamezuje jej\u00edmu dal\u0161\u00edmu prodeji. Takhle to nen\u00ed. Hypot\u00e9ka je fajn pomocn\u00edkem k&nbsp;vlastn\u00edmu bydlen\u00ed a&nbsp;nemovitost <strong>M\u016e\u017dETE PRODAT<\/strong> i&nbsp;p\u0159ed jej\u00edm splacen\u00edm. Samoz\u0159ejm\u011b, mus\u00edte zn\u00e1t postup:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Z\u00e1jemce o&nbsp;va\u0161i nemovitost v\u00e1m mus\u00ed vyplatit <strong>odstupn\u00e9<\/strong> a&nbsp;za tuto \u010d\u00e1stku p\u0159evedete nemovitost i&nbsp;\u00fav\u011br. To je jedna mo\u017enost.<\/li>\n\n\n\n<li>Druh\u00e1 mo\u017enost je, \u017ee v\u00e1m z\u00e1jemce zaplat\u00ed kupn\u00ed cenu a&nbsp;pomoc\u00ed t\u00e9to sumy <strong>p\u0159ed\u010dasn\u011b splat\u00edte hypot\u00e9ku<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>A je to.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">M\u00fdtus \u010d. 2: <strong>Zm\u011bna banky v\u00e1s bude st\u00e1t vysok\u00e9 pen\u00e1le<\/strong><\/h4>\n\n\n\n<p><strong>Nebude<\/strong>. Je b\u011b\u017enou prax\u00ed refinancovat hypot\u00e9ku po skon\u010den\u00ed jej\u00ed fixace pomoc\u00ed v\u00fdhodn\u011bj\u0161\u00edho \u00fav\u011bru. A&nbsp;banky jsou kr\u00e1tk\u00e9 na to, aby v\u00e1s za tento krok potrestaly. Sice na tom trat\u00ed, to je pravda, ale takov\u00e1 jsou pravidla voln\u00e9ho trhu.<\/p>\n\n\n\n<p>Dokonce od banky <strong>nepot\u0159ebujete<\/strong> \u017e\u00e1dn\u00fd souhlas.<\/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='384' \/><input type=\"hidden\" id=\"_fluentform_4_fluentformnonce\" name=\"_fluentform_4_fluentformnonce\" value=\"36384e1995\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/maklermartin\/wp-json\/wp\/v2\/posts\/384\" \/><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_11e6c9d01bee58005abdf62ef12e5a7d><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_11e6c9d01bee58005abdf62ef12e5a7d' 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_6ef11090ea2feb558694a1f317da8ba5><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_6ef11090ea2feb558694a1f317da8ba5' 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_1bc2d6b3a912cf7a940057d70ba031f1><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_1bc2d6b3a912cf7a940057d70ba031f1' 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_c5df9ea68da8bc101b5783ed1ab2f121> <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\">M\u00fdtus \u010d. 3: <strong>Jedna prodlen\u00e1 spl\u00e1tka a&nbsp;nemovitost propad\u00e1 bance<\/strong><\/h4>\n\n\n\n<p>Nech\u00e1pu, koho tohle napadlo. Aby nemovitost skute\u010dn\u011b propadla bance, museli byste <strong>ignorovat<\/strong> v\u0161echny jej\u00ed upom\u00ednky, pozv\u00e1nku k&nbsp;soudu a&nbsp;podobn\u00e9 nep\u0159\u00edjemnosti.<\/p>\n\n\n\n<p>M\u016f\u017ee se st\u00e1t, \u017ee nebudete m\u00edt na spl\u00e1tku dostatek pen\u011bz. D\u016fle\u017eit\u00e9 je ned\u011blat, jako\u017ee se nic nestalo. <strong>Postavte se k&nbsp;situace \u010delem<\/strong> a&nbsp;uka\u017ete bance, \u017ee chcete va\u0161i situaci vy\u0159e\u0161it a&nbsp;\u017ee se nevyh\u00fdb\u00e1te sv\u00fdm povinnostem. Kdy\u017e banka uvid\u00ed va\u0161i snahu, bude ochotn\u011bj\u0161\u00ed p\u0159enastavit podm\u00ednky spl\u00e1cen\u00ed nebo v\u00e1m jinak vyj\u00edt vst\u0159\u00edc.<\/p>\n\n\n\n<p>Tak to byly dal\u0161\u00ed nej\u010dast\u011bj\u0161\u00ed m\u00fdty o&nbsp;hypot\u00e9k\u00e1ch. Zaslechli jste je\u0161t\u011b dal\u0161\u00ed zv\u011bsti, kter\u00e9 o&nbsp;nich koluj\u00ed? Nebo sami m\u00e1te hypot\u00e9ku a&nbsp;r\u00e1di byste nap\u0159\u00edklad nemovitost prodali? Pro v\u0161echny p\u0159\u00edpady v\u00e1m r\u00e1d p\u0159isko\u010d\u00edm na pomoc. T\u011b\u0161\u00ed m\u011b, jsem realitn\u00ed makl\u00e9\u0159 Martin a&nbsp;<a href=\"https:\/\/www.maklermartin.cz\/kontakt\/\" target=\"_blank\" rel=\"noreferrer noopener\">napi\u0161te mi sem<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mo\u017en\u00e1 u\u017e jste je n\u011bkde sly\u0161eli. T\u0159i \u010dast\u00e9 m\u00fdty o&nbsp;hypot\u00e9k\u00e1ch, kter\u00e9 ve spole\u010dnosti koluj\u00ed. Dnes je v\u0161echny vyvr\u00e1t\u00edme a&nbsp;vysv\u011btl\u00edme si, pro\u010d se jich nemus\u00edte b\u00e1t. M\u00fdtus \u010d. &#8230;<\/p>\n","protected":false},"author":1,"featured_media":385,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-384","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\/384","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=384"}],"version-history":[{"count":1,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/384\/revisions"}],"predecessor-version":[{"id":719,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/384\/revisions\/719"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media\/385"}],"wp:attachment":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media?parent=384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/categories?post=384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/tags?post=384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}