Financov\u00e1n\u00ed bytu v novostavb\u011b m\u00e1 sv\u00e1 specifika. Zejm\u00e9na pokud byt je\u0161t\u011b nen\u00ed zkolaudov\u00e1n resp. v\u00fdstavba ani neza\u010dala.<\/p>\n\n\n\n
Zat\u00edmco p\u0159i koupi star\u0161\u00edho bytu mohou majitel\u00e9 vy\u017eadovat pen\u00edze v hotovosti, novostavbu lid\u00e9 nej\u010dast\u011bji financuj\u00ed p\u0159es hypot\u00e9ku. Porad\u00edme v\u00e1m, jak\u00e9 m\u00e1te mo\u017enosti a na co je t\u0159eba si d\u00e1vat pozor.<\/p>\n\n\n\n
P\u0159i koupi nov\u00e9ho bytu se nej\u010dast\u011bji vyu\u017e\u00edv\u00e1 hypote\u010dn\u00edho \u00fav\u011bru, stavebn\u00edho spo\u0159en\u00ed, p\u0159\u00edpadn\u011b jejich kombinace se spot\u0159ebn\u00edm \u00fav\u011brem. V\u00fdb\u011br zp\u016fsobu financov\u00e1n\u00ed z\u00e1vis\u00ed na va\u0161\u00ed finan\u010dn\u00ed situaci, ale i na podm\u00ednk\u00e1ch p\u0159i koupi bytu, kter\u00e9 ur\u010d\u00ed developersk\u00e1 spole\u010dnost.<\/p>\n\n\n\n
Pokud byste kupovali zkolaudovan\u00fd byt, kter\u00fd je dokon\u010den tak jde o klasickou koupi bytu, kter\u00e1 neb\u00fdv\u00e1 komplikovan\u00e1. Zat\u00edmco bytov\u00fd d\u016fm nen\u00ed postaven nebo jeho v\u00fdstavba developerem je\u0161t\u011b prob\u00edh\u00e1 a kupovan\u00fd byt je ve v\u00fdstavb\u011b, mluv\u00edme o projektov\u00e9m financov\u00e1n\u00ed nebo jinak, o financov\u00e1n\u00ed v developersk\u00fdch projektech.<\/p>\n\n\n\n
Zde mohou nastat dv\u011b situace – banka, kterou jste si vybrali k financov\u00e1n\u00ed hypot\u00e9kou, je financuj\u00edc\u00ed bankou i pro developera, kter\u00fd realizuje v\u00fdstavbu bytov\u00e9ho domu nebo je to jin\u00e1 banka. Pravidla spl\u00e1cen\u00ed nemus\u00ed b\u00fdt velmi odli\u0161n\u00e1, ale jednodu\u0161\u0161\u00ed pro ohodnocen\u00ed \u010di zakl\u00e1d\u00e1n\u00ed bytu a \u010derp\u00e1n\u00ed minim\u00e1ln\u00ed prvn\u00ed tran\u0161e tedy prvn\u00ed spl\u00e1tka, b\u00fdvaj\u00ed \u2013 je-li financuj\u00edc\u00ed banka stejn\u00e1 \u2013 p\u0159ece jen jednodu\u0161\u0161\u00ed.<\/p>\n\n\n\n
JAKOU NEMOVITOST ZALO\u017dIT
Developersk\u00e9 spole\u010dnosti obvykle vy\u017eaduj\u00ed ji\u017e p\u0159ed podpisem smluv slo\u017een\u00ed rezerva\u010dn\u00edho poplatku nap\u0159\u00edklad 2 000 eur. Tato \u010d\u00e1stka neb\u00fdv\u00e1 vysok\u00e1, p\u0159i podpisu smlouvy je pak ur\u010den pl\u00e1n spl\u00e1tek, tyto spl\u00e1tky tvo\u0159\u00ed v\u017edy ur\u010dit\u00e9 % z ceny bytu.<\/p>\n\n\n\n
Teoreticky byste mohli zalo\u017eit bance jakoukoli jinou nemovitost ve sv\u00e9m vlastnictv\u00ed nebo ve vlastnick\u00e9 jin\u00e9 osoby, nap\u0159\u00edklad rodi\u010de, ale v praxi je to nej\u010dast\u011bji pr\u00e1v\u011b financovan\u00fd byt ve v\u00fdstavb\u011b, kter\u00fd je p\u0159edm\u011btem zabezpe\u010den\u00ed pro va\u0161i hypot\u00e9ku. Banka si byt ohodnot\u00ed a v\u0161e ostatn\u00ed zajist\u00ed.<\/p>\n\n\n\n
NEBOJTE SE PO\u017d\u00c1DAT O RADU
Pora\u010fte se osobn\u011b v pobo\u010dce sv\u00e9 banky nebo po\u0161lete ot\u00e1zku online p\u0159es webovou aplikaci \u2013 zjist\u00edte tak, jak m\u016f\u017eete financovat konkr\u00e9tn\u00ed v\u00fdstavbu, jak\u00e1 specifika m\u00e1 dan\u00fd developersk\u00fd projekt, co V\u00e1m hypospecialista v bance porad\u00ed. Projekty financov\u00e1n\u00ed mohou m\u00edt sv\u00e1 specifika, kter\u00e1 V\u00e1m vysv\u011btl\u00ed odborn\u00edci \u2013 a Vy p\u0159ece chcete co nejd\u0159\u00edve bydlet ve sv\u00e9m. Proto je konkr\u00e9tn\u00ed rada velmi d\u016fle\u017eit\u00e1.<\/p>\n\n\n\n
Pokud se rozhodnete pro hypote\u010dn\u00ed \u00fav\u011br, m\u011bli byste po\u010d\u00edtat is t\u00edm, \u017ee \u00fav\u011br ve v\u00fd\u0161i 100% ji\u017e dnes banky vzhledem ke st\u00e1vaj\u00edc\u00ed legislativ\u011b neposkytuj\u00ed. Kdo pot\u0159ebuje v\u00edce ne\u017e 80 \u010di 90 % hodnoty zastaven\u00e9 nemovitosti, m\u016f\u017ee zkombinovat hypot\u00e9ku se spot\u0159ebn\u00edm \u00fav\u011brem. P\u016fj\u010dit si v\u0161ak do v\u00fd\u0161e 80% z hodnoty zakl\u00e1dan\u00e9 nemovitosti nen\u00ed obvykle probl\u00e9m. Ide\u00e1ln\u00ed pokud jste doposud spo\u0159ili a m\u00e1te alespo\u0148 10% z ceny bytu naspo\u0159eno. Spo\u0159en\u00ed V\u00e1m nejen pom\u016f\u017ee na za\u010d\u00e1tku, ale m\u016f\u017eete d\u00edky n\u011bmu z\u00edskat tak\u00e9 v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu na hypot\u00e9ce. Nezapome\u0148te ani na poji\u0161t\u011bn\u00ed, nikdy nev\u00edte, co se jednou m\u016f\u017ee st\u00e1t.<\/p>\n\n\n\n
Nejlep\u0161\u00ed je p\u0159i \u017e\u00e1dosti o hypote\u010dn\u00ed \u00fav\u011br poradit se p\u0159\u00edmo v bance, od kter\u00e9 si chcete p\u016fj\u010dit. Kvalifikovan\u00ed specialist\u00e9 na hypot\u00e9ky v\u00e1m porad\u00ed iv tom, jakou \u00farokovou sazbu m\u016f\u017eete z\u00edskat, vysv\u011btl\u00ed v\u0161e o poji\u0161t\u011bn\u00ed \u00fav\u011bru, i to, za jak dlouho je banka schopna hypot\u00e9ku schv\u00e1lit a pen\u00edze p\u0159ev\u00e9st na v\u00e1\u0161 \u00fa\u010det nebo na \u00fa\u010det prodejce bytu nebo podle pl\u00e1nu spl\u00e1tek na \u00fa\u010det developera.<\/p>\n\n\n\n
CO NAB\u00cdZEJ\u00cd DNE\u0160N\u00cd HYPOT\u00c9KY
Banky poskytuj\u00ed hypote\u010dn\u00ed \u00fav\u011br klient\u016fm, kte\u0159\u00ed prok\u00e1\u017e\u00ed dostate\u010dnou bonitu a banka m\u016f\u017ee z\u0159\u00eddit z\u00e1stavn\u00ed pr\u00e1vo. Banky u hypot\u00e9k nab\u00edzej\u00ed n\u011bkolik mo\u017enost\u00ed \u00farokov\u00e9 sazby. Nej\u010dast\u011bji si m\u016f\u017eete vybrat mezi fixovanou sazbou na 1 a\u017e 10 let. Jeliko\u017e st\u00e1le p\u0159etrv\u00e1v\u00e1 obdob\u00ed n\u00edzk\u00fdch sazeb, je v\u00fdhodn\u00e9 si fixovat sazbu na d\u00e9le, minim\u00e1ln\u011b 3 nebo 5 let. D\u00e9lka splatnosti cel\u00e9 hypot\u00e9ky je obvykle od 5 do 30 let a \u00fav\u011br v\u00e1m poskytnou od v\u00fd\u0161e 7 \u010di 10 000 Eur. Maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru z\u00e1vis\u00ed zejm\u00e9na na va\u0161\u00ed schopnosti spl\u00e1cet \u00fav\u011br a na hodnot\u011b, kterou m\u00e1 zakl\u00e1dan\u00e1 nemovitost. Hypote\u010dn\u00ed \u00fav\u011br m\u016f\u017eete \u010derpat dv\u011bma zp\u016fsoby \u2013 jednor\u00e1zov\u011b nebo postupn\u011b v jednotliv\u00fdch tran\u0161\u00edch. Z\u00e1vis\u00ed to na tom, jak jste se s bankou dohodli a zda se jedn\u00e1 o v\u00fdstavbu bytu nebo koupi dokon\u010den\u00e9ho bytu po kolaudaci. P\u0159i koupi dokon\u010den\u00e9ho bytu je vhodn\u011bj\u0161\u00ed jednor\u00e1zov\u00e9 \u010derp\u00e1n\u00ed, jedn\u00e1-li se o financov\u00e1n\u00ed v projektu, kde byt je\u0161t\u011b dokon\u010den\u00fd nen\u00ed p\u0159\u00edpadn\u011b jeho v\u00fdstavba ani neza\u010dala, ur\u010dit\u011b bude nutn\u00e9 postupn\u00e9 \u010derp\u00e1n\u00ed \u00fav\u011bru v tran\u0161\u00edch. Jejich v\u00fd\u0161e a po\u010det z\u00e1vis\u00ed na konkr\u00e9tn\u00edm financov\u00e1n\u00ed \u2013 tedy na podm\u00ednk\u00e1ch banky a developera.<\/p>\n","protected":false},"excerpt":{"rendered":"
Financov\u00e1n\u00ed bytu v novostavb\u011b m\u00e1 sv\u00e1 specifika. Zejm\u00e9na pokud byt je\u0161t\u011b nen\u00ed zkolaudov\u00e1n resp. v\u00fdstavba ani neza\u010dala. Zat\u00edmco p\u0159i koupi star\u0161\u00edho bytu mohou majitel\u00e9 vy\u017eadovat pen\u00edze v hotovosti, novostavbu lid\u00e9 nej\u010dast\u011bji financuj\u00ed p\u0159es hypot\u00e9ku. Porad\u00edme v\u00e1m, jak\u00e9 m\u00e1te mo\u017enosti a na co je t\u0159eba si d\u00e1vat pozor. P\u0159i koupi nov\u00e9ho bytu se nej\u010dast\u011bji vyu\u017e\u00edv\u00e1 hypote\u010dn\u00edho […]<\/p>\n","protected":false},"author":2,"featured_media":718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[28],"tags":[],"class_list":["post-716","post","type-post","status-publish","format-standard","has-post-thumbnail","category-magazin"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/livemat.cz\/index.php?rest_route=\/wp\/v2\/posts\/716","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/livemat.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/livemat.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/livemat.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/livemat.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=716"}],"version-history":[{"count":0,"href":"https:\/\/livemat.cz\/index.php?rest_route=\/wp\/v2\/posts\/716\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/livemat.cz\/index.php?rest_route=\/wp\/v2\/media\/718"}],"wp:attachment":[{"href":"https:\/\/livemat.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=716"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/livemat.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=716"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/livemat.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}