[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kovohad.cz\/na-co-si-dat-pozor-pri-sjednavani-uveru-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.kovohad.cz\/na-co-si-dat-pozor-pri-sjednavani-uveru-hypoteky\/","headline":"Na co si d\u00e1t pozor p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011bru \/ hypot\u00e9ky","name":"Na co si d\u00e1t pozor p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011bru \/ hypot\u00e9ky","description":"Dnes se spole\u010dn\u011b pod\u00edv\u00e1me na n\u011bkter\u00e9 v\u011bci, kter\u00e9 by m\u011bly b\u00fdt v hled\u00e1\u010dku ka\u017ed\u00e9ho, kdo by si cht\u011bl p\u016fj\u010dit pen\u00edze a zastavit nemovitost. Pod\u00edv\u00e1me se tak\u00e9 na n\u011bkter\u00e9 term\u00edny. \u00darokov\u00e1 sazba Zpravidla nejd\u016fle\u017eit\u011bj\u0161\u00ed \u00fadaj, na kter\u00fd byste se m\u011bli d\u00edvat. \u00darokov\u00e1 sazba se pova\u017euje dle uplynul\u00e9ho roku dluhu a znamen\u00e1 nav\u00fd\u0161en\u00ed spl\u00e1tky o jistou procentu\u00e1ln\u00ed […]","datePublished":"2019-10-11","dateModified":"2019-10-11","author":{"@type":"Person","@id":"https:\/\/www.kovohad.cz\/author\/#Person","name":"","url":"https:\/\/www.kovohad.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kovohad.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kovohad.cz\/wp-content\/uploads\/img_a367828_w1929_t1580299252.jpg","url":"https:\/\/www.kovohad.cz\/wp-content\/uploads\/img_a367828_w1929_t1580299252.jpg","height":0,"width":0},"url":"https:\/\/www.kovohad.cz\/na-co-si-dat-pozor-pri-sjednavani-uveru-hypoteky\/","about":["Internet"],"wordCount":452,"articleBody":"   Dnes se spole\u010dn\u011b pod\u00edv\u00e1me na n\u011bkter\u00e9 v\u011bci, kter\u00e9 by m\u011bly b\u00fdt v hled\u00e1\u010dku ka\u017ed\u00e9ho, kdo by si cht\u011bl p\u016fj\u010dit pen\u00edze a zastavit nemovitost. Pod\u00edv\u00e1me se tak\u00e9 na n\u011bkter\u00e9 term\u00edny.   \u00darokov\u00e1 sazba Zpravidla nejd\u016fle\u017eit\u011bj\u0161\u00ed \u00fadaj, na kter\u00fd byste se m\u011bli d\u00edvat. \u00darokov\u00e1 sazba se pova\u017euje dle uplynul\u00e9ho roku dluhu a znamen\u00e1 nav\u00fd\u0161en\u00ed spl\u00e1tky o jistou procentu\u00e1ln\u00ed \u010d\u00e1stku ze z\u00e1kladu, kter\u00e1 je \u201eziskem\u201c v\u011b\u0159itele, odm\u011bnou za to, \u017ee v\u00e1m pen\u00edze p\u016fj\u010dil. M\u016f\u017ee se jednat o p\u00e1r procent, o n\u011bkolik des\u00edtek procent. Zpravidla by \u00farokov\u00e1 sazba nikdy nem\u011bla p\u0159es\u00e1hnout dvacet procent \u2013 v takov\u00e9m p\u0159\u00edpad\u011b bychom se m\u011bli m\u00edt u\u017e na pozoru. Cokoliv drasticky nad touto hranic\u00ed je u\u017e mo\u017eno pova\u017eovat za lichvu. M\u016f\u017eeme si tak lehce spo\u010d\u00edtat, kolik suma sumarum zaplat\u00edme v\u011b\u0159iteli za obdob\u00ed, nap\u0159\u00edklad, p\u011bti let, pakli\u017ee si p\u016fj\u010d\u00edme dv\u011b st\u011b tis\u00edc. S 10 % \u00farokem vr\u00e1t\u00edme v\u011b\u0159iteli za p\u011bt let jistou \u010d\u00e1st z\u00e1kladu a k tomu je\u0161t\u011b pades\u00e1t procent p\u016fvodn\u00ed \u010d\u00e1stky (ka\u017ed\u00fd rok deset procent). M\u016f\u017eeme si tak alespo\u0148 r\u00e1mcov\u011b p\u0159edstavit, kolik n\u00e1s p\u016fj\u010dov\u00e1n\u00ed bude v budoucnu st\u00e1t. Zm\u011bna \u00farokov\u00e9 sazby V\u011b\u0159itel m\u016f\u017ee \u00farokovou sazbu samoz\u0159ejm\u011b po dobu spl\u00e1cen\u00ed m\u011bnit, a\u0165 u\u017e sn\u00ed\u017eit \u010di zv\u00fd\u0161it. To se samoz\u0159ejm\u011b dlu\u017en\u00edkovi nemus\u00ed v\u017edycky l\u00edbit, p\u0159esn\u011b proto tady za\u010d\u00edn\u00e1me pracovat s term\u00ednem fixace Nebankovn\u00ed-Hypot\u00e9ka, kter\u00fd znamen\u00e1, \u017ee \u00farokov\u00e1 sazba z\u016fstane po ur\u010ditou dobu spl\u00e1cen\u00ed stejn\u00e1 a nebude se ani zvy\u0161ovat, ani sni\u017eovat. Samoz\u0159ejm\u011b to p\u0159in\u00e1\u0161\u00ed nemo\u017enost \u201ezm\u011bnit\u201c v\u011b\u0159itele, tedy refinancovat p\u016fj\u010dku za lep\u0161\u00ed. Bohu\u017eel. M\u016f\u017ee to tak b\u00fdt ale dobr\u00fdm uji\u0161t\u011bn\u00edm dlu\u017en\u00edka, pokud si p\u016fj\u010d\u00ed s \u00farokovou sazbou nap\u0159\u00edklad pouh\u00e9 dv\u011b procenta. \u00daroky z prodlen\u00ed a smluvn\u00ed pokuty D\u00e1vejte si tak\u00e9 pozor, zda-li a v jak\u00e9 v\u00fd\u0161i jsou stanoveny dal\u0161\u00ed p\u0159\u00edslu\u0161enstv\u00ed k p\u016fj\u010dce \u2013 pokuty za neplacen\u00ed a \u00faroky z prodlen\u00ed. Ty mohou b\u00fdt stanoveny smluvn\u011b \u010di budou plynout ze z\u00e1kona. Je proto na v\u011b\u0159iteli, jestli je v p\u0159\u00edpadn\u00e9m prodlen\u00ed po dlu\u017en\u00edkovi vym\u00e1hat bude \u010di ne. S pokutou je to to sam\u00e9, ov\u0161em s mal\u00fdm rozd\u00edlem \u2013 mus\u00ed b\u00fdt sjedn\u00e1na ve smlouv\u011b.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na co si d\u00e1t pozor p\u0159i sjedn\u00e1v\u00e1n\u00ed \u00fav\u011bru \/ hypot\u00e9ky","item":"https:\/\/www.kovohad.cz\/na-co-si-dat-pozor-pri-sjednavani-uveru-hypoteky\/#breadcrumbitem"}]}]