{"id":2372,"date":"2024-10-17T14:39:09","date_gmt":"2024-10-17T13:39:09","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2372"},"modified":"2024-10-17T14:42:07","modified_gmt":"2024-10-17T13:42:07","slug":"jak-na-hypoteku","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/","title":{"rendered":"Jak na novou hypot\u00e9ku: cel\u00fd proces krok za krokem"},"content":{"rendered":"\n<p>Hypot\u00e9ka a jej\u00ed vy\u0159\u00edzen\u00ed je jedn\u00edm z nejv\u011bt\u0161\u00edch finan\u010dn\u00edch rozhodnut\u00ed, kter\u00e9 b\u011bhem \u017eivota u\u010din\u00edte. Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed. Tento pr\u016fvodce v\u00e1m pom\u016f\u017ee proj\u00edt cel\u00fdm procesem od prvn\u00edch \u00favah a\u017e po samotn\u00e9 \u010derp\u00e1n\u00ed \u00fav\u011bru.<br><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-1-vahy-o-hypot-ce-je-to-pro-m\">1. Prvn\u00ed \u00favahy: je hypot\u00e9ka pro m\u011b?<\/a><\/li><li class=\"\"><a href=\"#htoc-2-rozhodnut-koupit-nemovitost-jak-si-spr-vn-vybrat\">2. Rozhodnut\u00ed koupit nemovitost: jak si spr\u00e1vn\u011b vybrat<\/a><\/li><li class=\"\"><a href=\"#htoc-3-nez-vazn-ov-en-v-e-hypot-ky-kolik-si-m-ete-dovolit\">3. Nez\u00e1vazn\u00e9 ov\u011b\u0159en\u00ed v\u00fd\u0161e hypot\u00e9ky: kolik si m\u016f\u017eete dovolit?<\/a><\/li><li class=\"\"><a href=\"#htoc-4-v-b-r-nemovitosti-a-podpis-rezerva-n-smlouvy\">4. V\u00fdb\u011br nemovitosti na hypot\u00e9ku a podpis rezerva\u010dn\u00ed smlouvy<\/a><\/li><li class=\"\"><a href=\"#htoc-5-schv-len-hypot-ky-a-podpis-smlouvy-jak-to-prob-h\">5. Schv\u00e1len\u00ed hypot\u00e9ky a podpis smlouvy: jak to prob\u00edh\u00e1?<\/a><\/li><li class=\"\"><a href=\"#htoc-6-erp-n-hypot-ky-kdy-dostanete-pen-ze\">6. \u010cerp\u00e1n\u00ed hypot\u00e9ky: kdy dostanete pen\u00edze?<\/a><\/li><li class=\"\"><a href=\"#htoc-7-p-evzet-nemovitosti-a-zm-na-adresy\">7. P\u0159evzet\u00ed nemovitosti na hypot\u00e9ku a zm\u011bna adresy<\/a><\/li><li class=\"\"><a href=\"#htoc-8-spl-cen-a-dal-podm-nky-co-je-dobr-v-d-t\">8. Spl\u00e1cen\u00ed a dal\u0161\u00ed podm\u00ednky: co je dobr\u00e9 v\u011bd\u011bt?<\/a><\/li><li class=\"\"><a href=\"#htoc-9-servis-k-hypot-ce-starat-se-o-ni-je-d-le-it\">9. Servis: starat se o hypot\u00e9ku je d\u016fle\u017eit\u00e9<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-1-vahy-o-hypot-ce-je-to-pro-m\"><strong>1. Prvn\u00ed \u00favahy: je hypot\u00e9ka pro m\u011b?<\/strong><\/h2>\n\n\n\n<p>Ne\u017e se rozhodnete pro hypot\u00e9ku, m\u011bli byste d\u016fkladn\u011b zhodnotit svou finan\u010dn\u00ed situaci. V\u011bk hraje kl\u00ed\u010dovou roli \u2013 pokud je v\u00e1m nad 38 let, m\u016f\u017ee to ovlivnit d\u00e9lku splatnosti \u00fav\u011bru. Nejd\u016fle\u017eit\u011bj\u0161\u00ed je si p\u0159ipravit <strong>p\u0159ehled va\u0161ich p\u0159\u00edjm\u016f a v\u00fddaj\u016f<\/strong>. To v\u00e1m pom\u016f\u017ee zjistit, jakou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku si skute\u010dn\u011b m\u016f\u017eete dovolit, abyste se vyhnuli budouc\u00edm finan\u010dn\u00edm probl\u00e9m\u016fm.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Na jak vysokou hypot\u00e9ku dos\u00e1hnete <\/strong>zjist\u00edte v na\u0161em <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-podle-prijmu\/\">\u010dl\u00e1nku s kalkula\u010dkou<\/a>.<\/p>\n\n\n\n<p>Dal\u0161\u00ed d\u016fle\u017eitou ot\u00e1zkou je<strong> vlastnictv\u00ed<\/strong>. Pokud jste v man\u017eelstv\u00ed, nemovitost spad\u00e1 do spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f, pokud nen\u00ed upraveno jinak.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Hypot\u00e9ka v man\u017eelstv\u00ed m\u00e1 sv\u00e1 specifika. <\/strong>Pokud uva\u017eujete o hypot\u00e9ce s partnerkou\/partnerem nebo man\u017eelkou\/man\u017eelem, ur\u010dit\u011b si p\u0159e\u010dt\u011bte n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/\">Hypot\u00e9ka v man\u017eelstv\u00ed<\/a>.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Trochu slo\u017eit\u011bj\u0161\u00ed \u017e\u00e1dost mohou m\u00edt <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-pro-osvc-zamirte-do-spravne-banky\/\">OSV\u010c<\/a> nebo lid\u00e9 <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-po-insolvenci\/\">po insolvenci<\/a>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-2-rozhodnut-koupit-nemovitost-jak-si-spr-vn-vybrat\"><strong>2. Rozhodnut\u00ed koupit nemovitost: jak si spr\u00e1vn\u011b vybrat<\/strong><\/h2>\n\n\n\n<p>Jakmile m\u00e1te jasno v ot\u00e1zk\u00e1ch financ\u00ed, p\u0159ich\u00e1z\u00ed na \u0159adu v\u00fdb\u011br nemovitosti. <strong>Promyslete si z\u00e1kladn\u00ed krit\u00e9ria: <\/strong>chcete byt nebo d\u016fm? V jak\u00e9 lokalit\u011b byste r\u00e1di bydleli? Kolik m\u00edstnost\u00ed pot\u0159ebujete? A jak d\u016fle\u017eit\u00e9 pro v\u00e1s je, zda bude nemovitost hned k nast\u011bhov\u00e1n\u00ed, nebo pot\u0159ebujete prostor pro rekonstrukci?<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Aby v\u00e1m \u017e\u00e1dn\u00e1 nemovitost neutekla, m\u016f\u017eete vyu\u017e\u00edt zdarma na\u0161i <a href=\"https:\/\/hlidacirybicka.fingo.cz\/\">Hl\u00eddac\u00ed rybi\u010dku<\/a>, <\/strong>kter\u00e1 v\u00e1s upozorn\u00ed na nov\u00e9 nemovitosti podle va\u0161ich parametr\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-3-nez-vazn-ov-en-v-e-hypot-ky-kolik-si-m-ete-dovolit\"><strong>3. Nez\u00e1vazn\u00e9 ov\u011b\u0159en\u00ed v\u00fd\u0161e hypot\u00e9ky: kolik si m\u016f\u017eete dovolit?<\/strong><\/h2>\n\n\n\n<p>Ne\u017e se pust\u00edte do konkr\u00e9tn\u00edho hled\u00e1n\u00ed nemovitosti, zjist\u011bte, <strong>jakou v\u00fd\u0161i hypot\u00e9ky v\u00e1m banka m\u016f\u017ee nab\u00eddnout.<\/strong> Banky <strong>neposkytuj\u00ed 100 % hodnoty nemovitosti,<\/strong> tak\u017ee budete muset p\u0159em\u00fd\u0161let i o tom, jak dofinancovat zbytek. M\u016f\u017eete pou\u017e\u00edt vlastn\u00ed \u00faspory, stavebn\u00ed spo\u0159en\u00ed nebo p\u0159\u00edpadn\u011b ru\u010dit dal\u0161\u00ed nemovitost\u00ed.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Doporu\u010dujeme si proj\u00edt n\u011bkolik bankovn\u00edch nab\u00eddek a srovnat si je, abyste m\u011bli p\u0159ehled o mo\u017enostech. <\/strong>S t\u00edm v\u00e1m pom\u016f\u017ee na\u0161e <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">hypote\u010dn\u00ed kalkula\u010dka<\/a>.<\/p>\n\n\n\n<p>Nemus\u00edte se zat\u00edm rozhodovat pro konkr\u00e9tn\u00ed banku a u\u017e v\u016fbec v t\u00e9to f\u00e1zi <strong>nepod\u00e1vejte \u017e\u00e1dost o hypot\u00e9ku.<\/strong> Nejd\u0159\u00edve si zjist\u011bte mo\u017enosti financov\u00e1n\u00ed jen v rovin\u011b nez\u00e1vazn\u00fdch propo\u010dt\u016f.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 M\u016f\u017eete se tak\u00e9 obr\u00e1tit na <a href=\"https:\/\/www.fingo.cz\/kontakty\">finan\u010dn\u00edho zprost\u0159edkovatele<\/a>,<\/strong> kter\u00fd to za v\u00e1s ud\u011bl\u00e1 rychleji a efektivn\u011bji.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Pokud si mysl\u00edte, \u017ee jste v situaci, kdy hroz\u00ed, \u017ee v\u00e1m banka hypote\u010dn\u00ed \u00fav\u011br ned\u00e1, doporu\u010dujeme si p\u0159edem nechat nez\u00e1visle a zdarma <a href=\"https:\/\/www.fingo.cz\/blog\/bonita\/\">ov\u011b\u0159it va\u0161i bonitu<\/a>. <\/strong>Proto\u017ee pak p\u0159\u00edpadn\u00fd negativn\u00ed v\u00fdsledek nebude m\u00edt dal\u0161\u00ed dopad na va\u0161\u00ed \u017e\u00e1dost o \u00fav\u011br.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"850\" height=\"567\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/10\/hypoteky_krok_za_krokem_2.png\" alt=\"Jak na hypot\u00e9ku\" class=\"wp-image-2373\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/10\/hypoteky_krok_za_krokem_2.png 850w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/10\/hypoteky_krok_za_krokem_2-300x200.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/10\/hypoteky_krok_za_krokem_2-768x512.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/10\/hypoteky_krok_za_krokem_2-510x340.png 510w\" sizes=\"(max-width: 850px) 100vw, 850px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-4-v-b-r-nemovitosti-a-podpis-rezerva-n-smlouvy\"><strong>4. V\u00fdb\u011br nemovitosti na hypot\u00e9ku a podpis rezerva\u010dn\u00ed smlouvy<\/strong><\/h2>\n\n\n\n<p>Jakmile m\u00e1te p\u0159edstavu o tom, kolik si m\u016f\u017eete dovolit, za\u010d\u00edn\u00e1 f\u00e1ze v\u00fdb\u011bru nemovitosti. Nezapome\u0148te, \u017ee tato \u010d\u00e1st m\u016f\u017ee trvat t\u00fddny, ale klidn\u011b i m\u011bs\u00edce.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 P\u0159ed prohl\u00eddkou je tak\u00e9 dobr\u00e9, ov\u011b\u0159it si, zda inzerovan\u00e1 cena odpov\u00edd\u00e1 trhu a nen\u00ed p\u0159ep\u00e1len\u00e1. <\/strong>K tomu m\u016f\u017eete zdarma vyu\u017e\u00edt na\u0161i online slu\u017ebu <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/odhad-nemovitosti\">Odhad tr\u017en\u00ed ceny nemovitosti<\/a>.<\/p>\n\n\n\n<p>Jakmile najdete ide\u00e1ln\u00ed nemovitost, podep\u00ed\u0161ete rezerva\u010dn\u00ed smlouvu a zaplat\u00edte rezerva\u010dn\u00ed z\u00e1lohu.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5a15590b151cacfb69cce9a5be18c7de\"><strong>Tip:<\/strong> P\u0159ed podpisem rezerva\u010dn\u00ed smlouvy si v\u017edy d\u016fkladn\u011b ov\u011b\u0159te, \u017ee v\u00e1m banka poskytne \u00fav\u011br. Mohlo by se st\u00e1t, \u017ee v p\u0159\u00edpad\u011b zam\u00edtnut\u00ed hypot\u00e9ky p\u0159ijdete o rezerva\u010dn\u00ed poplatek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-5-schv-len-hypot-ky-a-podpis-smlouvy-jak-to-prob-h\"><strong>5. Schv\u00e1len\u00ed hypot\u00e9ky a podpis smlouvy: jak to prob\u00edh\u00e1?<\/strong><\/h2>\n\n\n\n<p>Po v\u00fdb\u011bru banky a pod\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku za\u010dne proces schvalov\u00e1n\u00ed. Banka posoud\u00ed va\u0161i <strong>bonitu,<\/strong> hodnotu nemovitosti a dal\u0161\u00ed faktory. Pokud v\u0161e prob\u011bhne v po\u0159\u00e1dku, podep\u00ed\u0161ete smlouvu o hypot\u00e9ce a z\u00e1stavn\u00ed smlouvy na nemovitost.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Pro hypot\u00e9ku tak\u00e9 mus\u00edte m\u00edt nemovitost, kterou budete ru\u010dit. <\/strong>P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek: <a href=\"https:\/\/www.fingo.cz\/blog\/zastava-nemovitosti\/\">\u010c\u00edm lze a nelze ru\u010dit pro hypot\u00e9ku.\u00a0<\/a><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-782465c0eb65de78cf9939fbe774b8ae\"><strong>Pozor:<\/strong> Banka obvykle nab\u00edz\u00ed r\u016fzn\u00e9 mo\u017enosti term\u00edn\u016f spl\u00e1tek. Vyberte si term\u00edn, kter\u00fd je po va\u0161\u00ed v\u00fdplat\u011b, aby na \u00fa\u010dtu byly v\u017edy dostate\u010dn\u00e9 prost\u0159edky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-6-erp-n-hypot-ky-kdy-dostanete-pen-ze\"><strong>6. \u010cerp\u00e1n\u00ed hypot\u00e9ky: kdy dostanete pen\u00edze?<\/strong><\/h2>\n\n\n\n<p>Hypot\u00e9ku m\u016f\u017eete za\u010d\u00edt \u010derpat a\u017e po spln\u011bn\u00ed v\u0161ech podm\u00ednek stanoven\u00fdch bankou. Ty zahrnuj\u00ed zaps\u00e1n\u00ed z\u00e1stavn\u00edho pr\u00e1va na katastru nemovitost\u00ed, dolo\u017een\u00ed kupn\u00ed smlouvy a spln\u011bn\u00ed v\u0161ech dal\u0161\u00edch po\u017eadavk\u016f.<\/p>\n\n\n\n<p>Banka vyplat\u00ed pen\u00edze v\u011bt\u0161inou p\u0159\u00edmo na \u00fa\u010det prod\u00e1vaj\u00edc\u00edho podle podm\u00ednek uveden\u00fdch ve smlouv\u011b.<\/p>\n\n\n\n<p>Po \u010derp\u00e1n\u00ed \u00fav\u011bru mus\u00edte dolo\u017eit bance, \u017ee jste nemovitost skute\u010dn\u011b <strong>z\u00edskali do vlastnictv\u00ed. <\/strong>To zahrnuje dolo\u017een\u00ed <strong>listu vlastnictv\u00ed z katastru nemovitost\u00ed.<\/strong> Pokud tento krok zanedb\u00e1te, m\u016f\u017ee v\u00e1m banka ud\u011blit pokutu nebo zv\u00fd\u0161it \u00farokovou sazbu.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Banky tak\u00e9 po\u017eaduj\u00ed, aby dlu\u017en\u00edk m\u011bl <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-schopnosti-splacet-prinasi-jistotu-v-nejiste-dobe-vsespasitelne-ale-neni\/\">poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet <\/a>nebo <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>. D\u016fle\u017eit\u00e9 tak\u00e9 je m\u00edt kupovanou nemovitost <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\">dob\u0159e poji\u0161t\u011bnou<\/a> a to co nejd\u0159\u00edve. <\/strong>Ne\u010dekejte a\u017e na p\u0159epis na katastru.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-7-p-evzet-nemovitosti-a-zm-na-adresy\"><strong>7. P\u0159evzet\u00ed nemovitosti na hypot\u00e9ku a zm\u011bna adresy<\/strong><\/h2>\n\n\n\n<p>Po dokon\u010den\u00ed v\u0161ech formalit n\u00e1sleduje p\u0159evzet\u00ed nemovitosti a p\u0159epis na katastru. P\u0159i p\u0159evzet\u00ed se nezapome\u0148te dohodnout s prod\u00e1vaj\u00edc\u00edm na <strong>p\u0159episu energi\u00ed.<\/strong> Nezapome\u0148te na <strong>zm\u011bnu trval\u00e9ho pobytu<\/strong> ihned po z\u00e1pisu do katastru. Zm\u011bna by m\u011bla b\u00fdt nahl\u00e1\u0161ena na p\u0159\u00edslu\u0161n\u00e9m \u00fa\u0159adu a tak\u00e9 u dal\u0161\u00edch poskytovatel\u016f slu\u017eeb, jako je banka, poji\u0161\u0165ovna nebo v\u00e1\u0161 zam\u011bstnavatel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-8-spl-cen-a-dal-podm-nky-co-je-dobr-v-d-t\"><strong>8. Spl\u00e1cen\u00ed a dal\u0161\u00ed podm\u00ednky: co je dobr\u00e9 v\u011bd\u011bt?<\/strong><\/h2>\n\n\n\n<p>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky budou prob\u00edhat automaticky. <strong>D\u016fle\u017eit\u00e9 je m\u00edt v\u017edy dostatek pen\u011bz na \u00fa\u010dtu, aby nedo\u0161lo k negativn\u00edmu z\u00e1znamu v \u00fav\u011brov\u00e9m registru.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-9-servis-k-hypot-ce-starat-se-o-ni-je-d-le-it\"><strong>9. Servis: starat se o hypot\u00e9ku je d\u016fle\u017eit\u00e9<\/strong><\/h2>\n\n\n\n<p>Hypot\u00e9ka je dlouhodob\u00fd z\u00e1vazek a b\u011bhem jej\u00edho trv\u00e1n\u00ed m\u016f\u017ee doj\u00edt k mnoha zm\u011bn\u00e1m. Pravideln\u011b sledujte sv\u00e9 <strong>mo\u017enosti refinancov\u00e1n\u00ed,<\/strong> <strong>zm\u011bny \u00farokov\u00fdch sazeb<\/strong> a situaci na hypote\u010dn\u00edm trhu. S t\u00edm v\u0161\u00edm v\u00e1m m\u016f\u017ee pomoci v\u00e1\u0161 finan\u010dn\u00ed zprost\u0159edkovatel.\u00a0<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-341ad9ba8737b595a7bb0dd4df861705\"><strong>Tip:<\/strong> Ka\u017ed\u00e9 v\u00fdro\u010d\u00ed fixace \u00farokov\u00e9 sazby je ide\u00e1ln\u00ed p\u0159\u00edle\u017eitost pro p\u0159ehodnocen\u00ed podm\u00ednek hypot\u00e9ky.<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Refinancov\u00e1n\u00ed m\u016f\u017ee b\u00fdt spojeno s pom\u011brn\u011b vysok\u00fdm poplatkem banky.<\/strong> Jak na refinancov\u00e1n\u00ed a v jak\u00fdch p\u0159\u00edpadech se m\u016f\u017eete poplatku vyhnout se dozv\u00edte v <a href=\"https:\/\/www.fingo.cz\/blog\/predcasne-splaceni-hypoteky\/\">na\u0161em \u010dl\u00e1nku<\/a>.<\/p>\n\n\n\n<p><strong>Ve FinGO v\u00e1m velmi r\u00e1di s cel\u00fdm procesem zdarma <a href=\"https:\/\/www.fingo.cz\/kontakty\">pom\u016f\u017eeme<\/a>. <\/strong>Od prvn\u00edho porovn\u00e1n\u00ed nab\u00eddek po \u010derp\u00e1n\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hypot\u00e9ka a jej\u00ed vy\u0159\u00edzen\u00ed je jedn\u00edm z nejv\u011bt\u0161\u00edch finan\u010dn\u00edch rozhodnut\u00ed, kter\u00e9 b\u011bhem \u017eivota u\u010din\u00edte. Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed. Tento pr\u016fvodce v\u00e1m pom\u016f\u017ee proj\u00edt cel\u00fdm procesem od prvn\u00edch \u00favah a\u017e po samotn\u00e9 \u010derp\u00e1n\u00ed \u00fav\u011bru. 1. Prvn\u00ed \u00favahy: je hypot\u00e9ka pro m\u011b? Ne\u017e se rozhodnete pro hypot\u00e9ku, m\u011bli byste d\u016fkladn\u011b zhodnotit svou finan\u010dn\u00ed situaci. V\u011bk hraje kl\u00ed\u010dovou roli \u2013 pokud je v\u00e1m nad 38 let, m\u016f\u017ee to ovlivnit d\u00e9lku splatnosti \u00fav\u011bru. Nejd\u016fle\u017eit\u011bj\u0161\u00ed je si p\u0159ipravit p\u0159ehled va\u0161ich p\u0159\u00edjm\u016f a v\u00fddaj\u016f. To v\u00e1m pom\u016f\u017ee zjistit, jakou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku si skute\u010dn\u011b m\u016f\u017eete dovolit, abyste se vyhnuli budouc\u00edm finan\u010dn\u00edm probl\u00e9m\u016fm. \ud83d\udc49 Na jak vysokou hypot\u00e9ku dos\u00e1hnete zjist\u00edte v na\u0161em \u010dl\u00e1nku s kalkula\u010dkou. Dal\u0161\u00ed d\u016fle\u017eitou ot\u00e1zkou je vlastnictv\u00ed. Pokud jste v man\u017eelstv\u00ed, nemovitost spad\u00e1 do spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f, pokud nen\u00ed upraveno jinak. \ud83d\udc49 Hypot\u00e9ka v man\u017eelstv\u00ed m\u00e1 sv\u00e1 specifika. Pokud uva\u017eujete o hypot\u00e9ce s partnerkou\/partnerem nebo man\u017eelkou\/man\u017eelem, ur\u010dit\u011b si p\u0159e\u010dt\u011bte n\u00e1\u0161 \u010dl\u00e1nek Hypot\u00e9ka v man\u017eelstv\u00ed. \ud83d\udc49 Trochu slo\u017eit\u011bj\u0161\u00ed \u017e\u00e1dost mohou m\u00edt OSV\u010c nebo lid\u00e9 po insolvenci. 2. Rozhodnut\u00ed koupit nemovitost: jak si spr\u00e1vn\u011b vybrat Jakmile m\u00e1te jasno v ot\u00e1zk\u00e1ch financ\u00ed, p\u0159ich\u00e1z\u00ed na \u0159adu v\u00fdb\u011br nemovitosti. Promyslete si z\u00e1kladn\u00ed krit\u00e9ria: chcete byt nebo d\u016fm? [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2374,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[12,13],"class_list":["post-2372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-hypoteka","tag-jana-vaisova"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak na novou hypot\u00e9ku: cel\u00fd proces krok za krokem - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete novou hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak na novou hypot\u00e9ku: cel\u00fd proces krok za krokem\" \/>\n<meta property=\"og:description\" content=\"Pokud si pl\u00e1nujete po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a pot\u0159ebujete novou hypot\u00e9ku, je d\u016fle\u017eit\u00e9 zn\u00e1t jednotliv\u00e9 kroky, kter\u00e9 v\u00e1s \u010dekaj\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-17T13:39:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-17T13:42:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/10\/hypoteky_krok_za_krokem_1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jana Vaisov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jana Vaisov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\"},\"author\":{\"name\":\"Jana Vaisov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/efd0cb45244498b47386dbd21c9b0a3c\"},\"headline\":\"Jak na novou hypot\u00e9ku: cel\u00fd proces krok za krokem\",\"datePublished\":\"2024-10-17T13:39:09+00:00\",\"dateModified\":\"2024-10-17T13:42:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\"},\"wordCount\":1406,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/hypoteky_krok_za_krokem_1.png\",\"keywords\":[\"hypot\u00e9ka\",\"Jana Vaisov\u00e1\"],\"articleSection\":[\"Hypot\u00e9ky\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-na-hypoteku\\\/\",\"name\":\"Jak na novou hypot\u00e9ku: cel\u00fd proces krok za krokem - 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