[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rlre.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.rlre.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","headline":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","description":"V p\u0159\u00edpad\u011b, kdy je v\u00e1m kolem 30 let, m\u00e1te stabiln\u00ed zam\u011bstn\u00e1n\u00ed a jste schopni tvo\u0159it finan\u010dn\u00ed rezervu dostate\u010dn\u011b vysokou na[...]","datePublished":"2021-06-21","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.rlre.cz\/author\/#Person","name":"","url":"https:\/\/www.rlre.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rlre.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rlre.cz\/wp-content\/uploads\/nov%C3%BD%20d%C5%AFm_10_1.jpg","url":"https:\/\/www.rlre.cz\/wp-content\/uploads\/nov%C3%BD%20d%C5%AFm_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.rlre.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/","about":["Pen\u00edze"],"wordCount":423,"articleBody":"       V p\u0159\u00edpad\u011b, kdy je v\u00e1m kolem 30 let, m\u00e1te stabiln\u00ed zam\u011bstn\u00e1n\u00ed a jste schopni tvo\u0159it finan\u010dn\u00ed rezervu dostate\u010dn\u011b vysokou na spl\u00e1cen\u00ed n\u011bkter\u00e9ho z \u00fav\u011brov\u00fdch produkt\u016f, je pro v\u00e1s ide\u00e1ln\u00ed doba za\u010d\u00edt p\u0159em\u00fd\u0161let o hypot\u00e9ce. Poj\u010fme si spole\u010dn\u011b p\u0159edstavit n\u011bkolik faktor\u016f, kter\u00e9 do zna\u010dn\u00e9 m\u00edry ovlivn\u00ed, zda nakonec t\u00ed\u017een\u00fd hypote\u010dn\u00ed \u00fav\u011br dostanete nebo ne. Hypot\u00e9ka na dru\u017estevn\u00ed byt, rekonstrukci nebo v\u00fdstavbu jsou z\u00e1vazky, kter\u00e9 ovlivn\u00ed v\u00e1\u0161 dosavadn\u00ed \u017eivot. O hypot\u00e9ku je nejv\u00fdhodn\u011bj\u0161\u00ed za\u017e\u00e1dat kolem 30 letP\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti banka d\u016fkladn\u011b prov\u011b\u0159uje v\u011bk \u017eadatele i jeho spolu\u017eadatel\u016f. Mnoho z n\u00e1s nezn\u00e1 p\u0159esn\u00fd v\u011bk, kdy chce o hypot\u00e9ku za\u017e\u00e1dat. N\u011bkdo je na tak velk\u00fd z\u00e1vazek p\u0159ipraven u\u017e ve 20 letech, jin\u00fd v 35 a n\u011bkdo nebude p\u0159ipraven zkr\u00e1tka nikdy. Banky v\u0161ak v posuzov\u00e1n\u00ed v\u011bkov\u00e9 zralosti maj\u00ed jasno. Ide\u00e1ln\u00ed v\u011bk pro sjedn\u00e1n\u00ed hypot\u00e9ky je mezi 28 a 35 lety. To je doba, kdy u\u017e m\u00e1 bankovn\u00ed poskytovatel alespo\u0148 n\u011bjak\u00e9 pov\u011bdom\u00ed o finan\u010dn\u00edch mo\u017enostech, spolehlivosti a stabilit\u011b \u017eadatele. Hypot\u00e9ka sjednan\u00e1 v d\u0159\u00edv\u011bj\u0161\u00edm v\u011bku m\u00e1 tu v\u00fdhodu, \u017ee je mo\u017en\u00e9 j\u00ed spl\u00e1cet pom\u011brn\u011b dlouhou dobu. Nen\u00ed tak \u017e\u00e1dnou v\u00fdjimkou hypote\u010dn\u00ed \u00fav\u011br sjednan\u00e1 na 25 nebo 30 let. V\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek by ov\u0161em m\u011bla b\u00fdt v takov\u00e9 v\u00fd\u0161i, aby do zna\u010dn\u00e9 m\u00edry nezas\u00e1hla do rodinn\u00e9ho rozpo\u010dtu. Obecn\u00e9 doporu\u010den\u00ed je, aby tvo\u0159ila maxim\u00e1ln\u011b 50% m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. Nejni\u017e\u0161\u00ed v\u011bk, kdy je v \u010desk\u00e9 republice mo\u017en\u00e9 po\u017e\u00e1dat o hypot\u00e9ku, je jasn\u00fd \u2013 18 let. Nejvy\u0161\u0161\u00ed v\u011bkov\u00e1 hranice u\u017e z\u00e1konem stanoven\u00e1 nen\u00ed. Je v\u0161ak mo\u017en\u00e9 se \u0159\u00eddit obecn\u00fdm doporu\u010den\u00edm \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 stanovuje nejvy\u0161\u0161\u00ed v\u011bkovou hranici 65 let, do kdy by m\u011bly b\u00fdt ve\u0161ker\u00e9 pohled\u00e1vky dlu\u017en\u00edkem splaceny. Pokud tedy chcete m\u00edt na spl\u00e1cen\u00ed hypote\u010dn\u00edho \u00fav\u011bru alespo\u0148 20 let, je zapot\u0159eb\u00ed si ho sjednat nejpozd\u011bji v den sv\u00fdch 45 narozenin. Na toto doporu\u010den\u00ed v\u0161ak \u0159ada bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed nebere z\u0159etel a setkat se m\u016f\u017eete i s vy\u0161\u0161\u00edmi v\u011bkov\u00fdmi hranicemi.                                                                                                                                                                                                                                                                                                                                                                                           3\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je ten spr\u00e1vn\u00fd \u010das na hypot\u00e9ku?","item":"https:\/\/www.rlre.cz\/kdy-je-ten-spravny-cas-na-hypoteku\/#breadcrumbitem"}]}]