{"id":398,"date":"2022-09-18T09:08:52","date_gmt":"2022-09-18T07:08:52","guid":{"rendered":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/09\/18\/nove-podminky-pro-zadatele-o-hypoteku\/"},"modified":"2024-10-02T15:00:05","modified_gmt":"2024-10-02T13:00:05","slug":"nove-podminky-pro-zadatele-o-hypoteku","status":"publish","type":"post","link":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/09\/18\/nove-podminky-pro-zadatele-o-hypoteku\/","title":{"rendered":"Nov\u00e9 podm\u00ednky pro \u017eadatele o&nbsp;hypot\u00e9ku"},"content":{"rendered":"\n<p>V dubnu leto\u0161n\u00edho roku za\u010dala platit nov\u00e1 pravidla \u010cNB pro \u017eadatele o&nbsp;hypot\u00e9ku. Poj\u010fme si je spole\u010dn\u011b proj\u00edt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>LTV<\/strong><\/h2>\n\n\n\n<p><em>\u010cNB sni\u017euje horn\u00ed limit ukazatele LTV (pom\u011br \u00fav\u011bru a&nbsp;hodnoty zastaven\u00e9 nemovitosti) na 80&nbsp;% (90&nbsp;% pro \u017eadatele mlad\u0161\u00ed 36 let).<\/em><\/p>\n\n\n\n<p>Takto zn\u00ed nov\u00e9 ustanoven\u00ed \u010cNB. Co to ale v&nbsp;praxi znamen\u00e1. <strong>LTV je ukazatel<\/strong>, kter\u00fd porovn\u00e1v\u00e1 poskytnut\u00fd \u00fav\u011br vzhledem k&nbsp;hodnot\u011b nemovitosti, kter\u00e1 zaji\u0161\u0165uje v\u00e1\u0161 \u00fav\u011br (tzv. z\u00e1stava).&nbsp;<\/p>\n\n\n\n<p><strong>Uk\u00e1\u017eeme si na p\u0159\u00edkladu:<\/strong><\/p>\n\n\n\n<p>Abyste si mohli po\u0159\u00eddit \u00fav\u011br ve v\u00fd\u0161i 8 mil. K\u010d, zastav\u00edte va\u0161i nemovitost o&nbsp;hodnot\u011b 10 mil. K\u010d. V\u00fd\u0161e \u00fav\u011bru tak \u010din\u00ed 80&nbsp;% hodnoty nemovitosti. Spl\u0148ujete na\u0159\u00edzen\u00ed \u010cNB.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>DTI<\/strong><\/h2>\n\n\n\n<p><em>Limit ukazatele DTI (celkov\u00fd dluh \u017eadatele vyj\u00e1d\u0159en\u00fd v&nbsp;n\u00e1sobc\u00edch jeho \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu) bude \u010dinit 8,5 (9,5 pro \u017eadatele mlad\u0161\u00ed 36 let).<\/em><\/p>\n\n\n\n<p>To byla dal\u0161\u00ed citace p\u0159\u00edmo od \u010cNB. <strong>DTI stanovuje<\/strong> maxim\u00e1ln\u00ed v\u00fd\u0161i \u00fav\u011bru podle ro\u010dn\u00edho p\u0159\u00edjmu \u017eadatele.<\/p>\n\n\n\n<p><strong>Op\u011bt si uk\u00e1\u017eeme na p\u0159\u00edkladu:<\/strong><\/p>\n\n\n\n<p>Pokud je v\u00e1m v\u00edce ne\u017e 36 let, plat\u00ed pro v\u00e1s DTI 8,5. Nesm\u00edte tedy sou\u010dtem va\u0161ich \u00fav\u011br\u016f p\u0159ekro\u010dit 8,5 n\u00e1sobek va\u0161eho \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu. \u0158ekn\u011bme, \u017ee vyd\u011bl\u00e1v\u00e1te 45&nbsp;000&nbsp;K\u010d m\u011bs\u00ed\u010dn\u011b. Za rok tedy 540&nbsp;000&nbsp;K\u010d. Nyn\u00ed vypo\u010d\u00edt\u00e1me maxim\u00e1ln\u00ed v\u00fd\u0161i \u00fav\u011bru: 540&nbsp;000 * 8,5 = 4&nbsp;590&nbsp;000&nbsp;K\u010d<\/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='398' \/><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\/398\" \/><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_2cdb1f1c8596086bf9f2a669cc604763><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_2cdb1f1c8596086bf9f2a669cc604763' 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_3f20d2180c2bc0a9239aca5b60b47750><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_3f20d2180c2bc0a9239aca5b60b47750' 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_73abeaccb2225c774b21ead35cd99696><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_73abeaccb2225c774b21ead35cd99696' 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_92ce96e33fdc20d102edb6e5ee4cfa88> <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<h2 class=\"wp-block-heading\"><strong>DSTI<\/strong><\/h2>\n\n\n\n<p><em>Limit ukazatele DSTI (pom\u011br mezi celkovou v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek dluhu \u017eadatele o&nbsp;\u00fav\u011br a&nbsp;jeho \u010dist\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem) bude 45&nbsp;% (50&nbsp;% pro \u017eadatele mlad\u0161\u00ed 36 let).&nbsp;<\/em><\/p>\n\n\n\n<p>Posledn\u00ed ukazatel dne\u0161n\u00edho \u010dl\u00e1nku. <strong>DSTI na\u0159izuje<\/strong>, \u017ee m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka \u00fav\u011bru nesm\u00ed p\u0159es\u00e1hnout 45&nbsp;% (50&nbsp;%) m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. V\u00fdpo\u010det t\u00e9to metriky je o&nbsp;pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed ne\u017e dv\u011b p\u0159edchoz\u00ed, proto\u017ee tentokr\u00e1t mus\u00edte br\u00e1t v&nbsp;\u00favahu i&nbsp;\u00farokovou sazbu, kterou jste s&nbsp;bankou ujednali.<\/p>\n\n\n\n<p><strong>Poj\u010fme se na to pod\u00edvat:<\/strong><\/p>\n\n\n\n<p>\u0158ekn\u011bme, \u017ee m\u00e1te p\u0159\u00edjem 40&nbsp;000&nbsp;K\u010d a&nbsp;je v\u00e1m m\u00e9n\u011b ne\u017e 36 let. Plat\u00ed tedy pro v\u00e1s podm\u00ednka 50&nbsp;% DSTI. Pokud byste si za\u0159izovali hypot\u00e9ku v&nbsp;dob\u011b, kdy se \u00farokov\u00e9 sazby pohybovaly kolem 6&nbsp;% p. a., dos\u00e1hli byste na hypot\u00e9ku ve v\u00fd\u0161i 3,3 mil. K\u010d.&nbsp;<\/p>\n\n\n\n<p>Pot\u0159ebujete cokoli dovysv\u011btlit ohledn\u011b nov\u00fdch podm\u00ednek pro \u017eadatele o&nbsp;hypot\u00e9ku? <a href=\"https:\/\/www.maklermartin.cz\/kontakt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Nev\u00e1hejte m\u011b kontaktovat!<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V dubnu leto\u0161n\u00edho roku za\u010dala platit nov\u00e1 pravidla \u010cNB pro \u017eadatele o&nbsp;hypot\u00e9ku. Poj\u010fme si je spole\u010dn\u011b proj\u00edt. LTV \u010cNB sni\u017euje horn\u00ed limit ukazatele LTV (pom\u011br \u00fav\u011bru a&nbsp;hodnoty &#8230;<\/p>\n","protected":false},"author":1,"featured_media":399,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-398","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\/398","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=398"}],"version-history":[{"count":1,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/398\/revisions"}],"predecessor-version":[{"id":713,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/398\/revisions\/713"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media\/399"}],"wp:attachment":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media?parent=398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/categories?post=398"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/tags?post=398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}