{"id":2514,"date":"2026-03-02T14:12:46","date_gmt":"2026-03-02T13:12:46","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2514"},"modified":"2026-03-03T10:39:22","modified_gmt":"2026-03-03T09:39:22","slug":"hypoteka-bez-nemovitosti-vyhoda-pro-kupce-bydleni-i-investory","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/hypoteka-bez-nemovitosti-vyhoda-pro-kupce-bydleni-i-investory\/","title":{"rendered":"Hypot\u00e9ka bez nemovitosti: v\u00fdhoda pro kupce bydlen\u00ed i investory"},"content":{"rendered":"\n<p><strong>Na dne\u0161n\u00edm realitn\u00edm trhu plat\u00ed jednoduch\u00e9 pravidlo: kdo se d\u0159\u00edve rozhodne a zaplat\u00ed, m\u00e1 p\u0159ednost. Nab\u00eddka nemovitost\u00ed je omezen\u00e1, z\u00e1jemc\u016f o koupi ale neub\u00fdv\u00e1. A pr\u00e1v\u011b v takov\u00e9m prost\u0159ed\u00ed z\u00edsk\u00e1v\u00e1 na atraktivit\u011b hypot\u00e9ka bez nemovitosti \u2013 tedy \u00fav\u011br, kter\u00fd si sjedn\u00e1te je\u0161t\u011b p\u0159edt\u00edm, ne\u017e v\u00edte, jakou nemovitost koup\u00edte.<\/strong><\/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-co-je-hypot-ka-bez-nemovitosti\">Co je hypot\u00e9ka bez nemovitosti?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-pro-o-t-to-mo-nosti-uva-ovat\">Pro\u010d o t\u00e9to hypot\u00e9ce bez nemovitosti uva\u017eovat?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-je-hypot-ka-bez-nemovitosti-pro-ka-d-ho\">Je hypot\u00e9ka bez nemovitosti pro ka\u017ed\u00e9ho?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-hypot-ka-bez-ru-en-nemovitost-nebo-americk-hypot-ka\">Hypot\u00e9ka bez ru\u010den\u00ed nemovitost\u00ed nebo americk\u00e1 hypot\u00e9ka?<\/a><\/li><li class=\"\"><a href=\"#htoc-pro-koho-je-hypot-ka-bez-nemovitosti-ide-ln\">Pro koho je hypot\u00e9ka bez nemovitosti ide\u00e1ln\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-nej-ast-j-ot-zky\">Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky k hypot\u00e9ce bez nemovitosti<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-je-hypot-ka-bez-nemovitosti\"><strong>Co je hypot\u00e9ka bez nemovitosti?<\/strong><\/h2>\n\n\n\n<p><strong>Hypot\u00e9ka bez nemovitosti<\/strong>, n\u011bkdy naz\u00fdvan\u00e1 tak\u00e9 jako <strong>hypot\u00e9ka naruby<\/strong> nebo <strong>hypot\u00e9ka dop\u0159edu<\/strong>, je specifick\u00fd typ financov\u00e1n\u00ed, kter\u00fd v\u00e1m umo\u017en\u00ed z\u00edskat schv\u00e1len\u00fd objem financ\u00ed, ani\u017e byste museli hned ru\u010dit konkr\u00e9tn\u00ed nemovitost\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-jak-to-funguje\"><strong>Jak to funguje?<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-pod-te-dost-o-hypot-ku-dolo-te-p-jmy-v-daje-a-dal-dokumenty\"><strong>Pod\u00e1te \u017e\u00e1dost o hypot\u00e9ku<\/strong> \u2013 dolo\u017e\u00edte p\u0159\u00edjmy, v\u00fddaje a dal\u0161\u00ed dokumenty.<\/li>\n\n\n\n<li id=\"htoc-banka-prov-va-i-bonitu-pokud-v-e-vyjde-uzav-ete-v-rovou-smlouvu-ve-kter-nen-identifikov-na-nemovitost\"><strong>Banka prov\u011b\u0159\u00ed va\u0161i bonitu<\/strong> \u2013 pokud v\u0161e vyjde, uzav\u0159ete \u00fav\u011brovou smlouvu, ve kter\u00e9 nen\u00ed identifikov\u00e1na nemovitost.<\/li>\n\n\n\n<li id=\"htoc-na-hled-n-nemovitosti-m-te-obvykle-6-12-m-s-c-b-hem-t-to-doby-m-ete-kdykoli-hypot-ku-aktivovat-jakmile-najdete-vhodnou-nemovitost\"><strong>Na hled\u00e1n\u00ed nemovitosti m\u00e1te obvykle<strong> 11\u201335 m\u011bs\u00edc\u016f<\/strong><\/strong> \u2013 b\u011bhem t\u00e9to doby m\u016f\u017eete kdykoli hypot\u00e9ku \u201eaktivovat\u201c, jakmile najdete vhodnou nemovitost.<\/li>\n\n\n\n<li id=\"htoc-n-sledn-dojde-k-podpisu-kupn-smlouvy-a-erp-n-v-ru\"><strong>N\u00e1sledn\u011b dojde k podpisu kupn\u00ed smlouvy a \u010derp\u00e1n\u00ed \u00fav\u011bru.<\/strong><\/li>\n<\/ol>\n\n\n\n<p>T\u00edmto zp\u016fsobem jdete na trh s jistotou financov\u00e1n\u00ed \u2013 a to v\u00e1m d\u00e1v\u00e1 oproti ostatn\u00edm kupuj\u00edc\u00edm z\u00e1sadn\u00ed v\u00fdhodu.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version6\" allowfullscreen=\"\" scrolling=\"1\" style=\"\" onload=\"iframeLoaded()\" id=\"dynamicIframeHeight\" width=\"100%\" height=\"640\" frameborder=\"0\"><\/iframe>\n\n<script>\n\nconst iframe = document.getElementById('dynamicIframeHeight');\n\niframe.src = iframe.src + window.location.search;\n\n<\/script>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pro-o-t-to-mo-nosti-uva-ovat\"><strong>Pro\u010d o t\u00e9to hypot\u00e9ce bez nemovitosti uva\u017eovat?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-1-rychlost-rozhoduje\"><strong>1. Rychlost rozhoduje<\/strong><\/h3>\n\n\n\n<p>V sou\u010dasn\u00e9 situaci je b\u011b\u017en\u00e9, \u017ee se zaj\u00edmav\u00e9 nemovitosti prodaj\u00ed b\u011bhem n\u011bkolika dn\u00ed. Pokud u\u017e m\u00e1te hypot\u00e9ku schv\u00e1lenou, m\u016f\u017eete ihned podepsat rezerva\u010dn\u00ed smlouvu a p\u0159edb\u011bhnout konkurenci, kter\u00e1 teprve vy\u0159izuje financov\u00e1n\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-2-v-hoda-pro-investory\"><strong>2. V\u00fdhoda pro investory<\/strong><\/h3>\n\n\n\n<p><strong>Investo\u0159i do nemovitost\u00ed<\/strong> tuto strategii vyu\u017e\u00edvaj\u00ed b\u011b\u017en\u011b \u2013 maj\u00ed schv\u00e1len\u00fd objem \u00fav\u011bru (schv\u00e1len\u00fd obnos pen\u011bz, kter\u00e9 mohou obratem \u010derpat). Objem se stanov\u00ed na z\u00e1klad\u011b bonity klient\u016f. Po\u017e\u00e1daj\u00ed si o maximum, ale mohou pak vy\u010derpat m\u00e9n\u011b, pokud kupuj\u00ed levn\u011bj\u0161\u00ed nemovitost. Kone\u010dn\u00e1 \u00faprava se stanov\u00ed Dodatkem k \u00fav\u011brov\u00e9 smlouv\u011b. Omezen\u00ed je, \u017ee ji nem\u016f\u017eete \u010derpat v\u00edce, ne\u017e m\u00e1te schv\u00e1len\u00fd limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-3-lep-vyjedn-vac-pozice\"><strong>3. Lep\u0161\u00ed vyjedn\u00e1vac\u00ed pozice<\/strong><\/h3>\n\n\n\n<p>Realitn\u00ed makl\u00e9\u0159i i prod\u00e1vaj\u00edc\u00ed preferuj\u00ed kupuj\u00edc\u00ed, kte\u0159\u00ed maj\u00ed jasno v ot\u00e1zce financov\u00e1n\u00ed. M\u016f\u017eete tak z\u00edskat lep\u0161\u00ed cenu nebo si vyjednat jin\u00e9 v\u00fdhody.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udca1 <strong>Tip: Zaj\u00edm\u00e1 v\u00e1s, jak si poradit s drah\u00fdmi hypot\u00e9kami? <\/strong>V \u010dl\u00e1nku <a href=\"https:\/\/www.fingo.cz\/blog\/krize-bydleni-v-cr-7-strategii-jak-si-poradit-s-vysokymi-hypotekami\/\"><em>Krize bydlen\u00ed v \u010cR: 7 strategi\u00ed, jak si poradit s vysok\u00fdmi hypot\u00e9kami<\/em><\/a> najdete konkr\u00e9tn\u00ed rady, kter\u00e9 v\u00e1m pomohou l\u00e9pe zvl\u00e1dnout sou\u010dasnou situaci na trhu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-je-hypot-ka-bez-nemovitosti-pro-ka-d-ho\"><strong>Je hypot\u00e9ka bez nemovitosti pro ka\u017ed\u00e9ho?<\/strong><\/h2>\n\n\n\n<p>Ne v\u017edy se ale tato mo\u017enost vyplat\u00ed. Zde jsou <strong>v\u00fdhody a nev\u00fdhody<\/strong>, kter\u00e9 byste m\u011bli zv\u00e1\u017eit:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-v-hody\"><strong>V\u00fdhody:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-flexibilita-p-i-hled-n-nemovitosti\">flexibilita p\u0159i hled\u00e1n\u00ed nemovitosti<\/li>\n\n\n\n<li id=\"htoc-rychlost-a-jistota-p-i-n-kupu\">rychlost a jistota p\u0159i n\u00e1kupu<\/li>\n\n\n\n<li id=\"htoc-v-hoda-pro-investory-a-zku-en-kupuj-c-p-ed-ostatn-mi-kupuj-c-mi\">v\u00fdhoda pro investory a zku\u0161en\u00e9 kupuj\u00edc\u00ed p\u0159ed ostatn\u00edmi kupuj\u00edc\u00edmi<\/li>\n\n\n\n<li id=\"htoc-mo-nost-vyjednat-si-lep-podm-nky-d-ky-hotovosti-na-stole\">mo\u017enost vyjednat si lep\u0161\u00ed podm\u00ednky d\u00edky \u201ehotovosti na stole\u201c<\/li>\n\n\n\n<li id=\"htoc-lze-vyu-t-nejen-na-samotnou-koupi-nemovitosti-ale-i-na-dal-el-nap-rekonstrukci-i-v-stavbu\">lze vyu\u017e\u00edt nejen na samotnou koupi nemovitosti, ale i na dal\u0161\u00ed \u00fa\u010del (nap\u0159. rekonstrukci \u010di v\u00fdstavbu)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-nev-hody\"><strong>Nev\u00fdhody:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-n-kter-banky-si-tuj-poplatky-za-posouzen-dosti-a-vyhotoven-dodatku-za-4900-k\">n\u011bkter\u00e9 banky si \u00fa\u010dtuj\u00ed poplatky za posouzen\u00ed \u017e\u00e1dosti a vyhotoven\u00ed dodatku za 4900 K\u010d<\/li>\n\n\n\n<li id=\"htoc-platnost-v-ru-bez-nemovitosti-je-asov-omezena-na-12-36-m-s-c\">&nbsp;platnost \u00fav\u011bru bez nemovitosti je \u010dasov\u011b omezena na 12 &#8211; 36 m\u011bs\u00edc\u016f<\/li>\n\n\n\n<li id=\"htoc-nen-garantov-no-e-banka-nebude-p-ed-erp-n-m-vy-adovat-znovu-prok-zat-p-jmy-v-p-pad-e-bude-u-klienta-podez-en-e-mu-p-jmy-klesly\">nen\u00ed garantov\u00e1no, \u017ee banka nebude p\u0159ed \u010derp\u00e1n\u00edm vy\u017eadovat znovu prok\u00e1zat p\u0159\u00edjmy v p\u0159\u00edpad\u011b, \u017ee bude u klienta podez\u0159en\u00ed, \u017ee mu p\u0159\u00edjmy klesly<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-hypot-ka-bez-ru-en-nemovitost-nebo-americk-hypot-ka\"><strong>Hypot\u00e9ka bez ru\u010den\u00ed nemovitost\u00ed nebo americk\u00e1 hypot\u00e9ka?<\/strong><\/h2>\n\n\n\n<p>Lid\u00e9 si \u010dasto pletou hypot\u00e9ku bez nemovitosti s jin\u00fdmi \u00fav\u011brov\u00fdmi produkty \u2013 t\u0159eba s <strong>hypot\u00e9kou bez ru\u010den\u00ed nemovitost\u00ed <\/strong>nebo s <strong>americkou hypot\u00e9kou bez z\u00e1stavy<\/strong>. Ve skute\u010dnosti ale tyto produkty neexistuj\u00ed \u2013 ka\u017ed\u00e1 hypot\u00e9ka mus\u00ed b\u00fdt zaji\u0161t\u011bn\u00e1 nemovitost\u00ed. To, co existuje, je bu\u010f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-p-edhypote-n-v-r-tedy-klasick-hypot-ka-bez-do-asn-ho-zaji-t-n-nap-p-i-dra-b-i-p-evodu-dru-stevn-ho-bytu-kdy-do-12-m-s-c-bude-nemovitost-p-evedena-na-klienta-nebo\"><strong>p\u0159edhypote\u010dn\u00ed \u00fav\u011br<\/strong> \u2013 tedy klasick\u00e1 hypot\u00e9ka bez do\u010dasn\u00e9ho zaji\u0161t\u011bn\u00ed (nap\u0159. p\u0159i dra\u017eb\u011b, \u010di p\u0159evodu dru\u017estevn\u00edho bytu, kdy do 12 m\u011bs\u00edc\u016f bude nemovitost p\u0159evedena na klienta) nebo<\/li>\n\n\n\n<li id=\"htoc-spot-ebitelsk-v-r-tedy-p-j-ka-kter-nen-v-zan-na-nemovitost-ale-m-vy-rok\"><strong>spot\u0159ebitelsk\u00fd \u00fav\u011br<\/strong> \u2013 tedy p\u016fj\u010dka, kter\u00e1 nen\u00ed v\u00e1zan\u00e1 na nemovitost, ale m\u00e1 vy\u0161\u0161\u00ed \u00farok.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><strong>\ud83d\udc49 Chyst\u00e1te se \u017e\u00e1dat o hypot\u00e9ku poprv\u00e9?<\/strong> V \u010dl\u00e1nku <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\"><em>Jak na hypot\u00e9ku: krok za krokem a\u017e k vlastn\u00edmu bydlen\u00ed<\/em><\/a> najdete srozumiteln\u00fd n\u00e1vod, co v\u00e1s \u010dek\u00e1 a jak se na cel\u00fd proces p\u0159ipravit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pro-koho-je-hypot-ka-bez-nemovitosti-ide-ln\"><strong>Pro koho je hypot\u00e9ka bez nemovitosti ide\u00e1ln\u00ed?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-pro-ty-kte-je-t-nemaj-vybran-konkr-tn-byt-i-d-m\">pro ty, kte\u0159\u00ed je\u0161t\u011b nemaj\u00ed vybran\u00fd konkr\u00e9tn\u00ed byt \u010di d\u016fm<\/li>\n\n\n\n<li id=\"htoc-pro-z-jemce-o-novostavby-ve-f-zi-v-stavby-a-koup-nemovitosti-od-developera\">pro z\u00e1jemce o novostavby ve f\u00e1zi v\u00fdstavby a koup\u011b nemovitosti od developera<\/li>\n\n\n\n<li id=\"htoc-pro-investory-ekaj-c-na-p-le-itost\">pro investory \u010dekaj\u00edc\u00ed na p\u0159\u00edle\u017eitost<\/li>\n\n\n\n<li id=\"htoc-pro-kupuj-c-kte-cht-j-b-t-p-i-koupi-nemovitosti-rychl\">pro kupuj\u00edc\u00ed, kte\u0159\u00ed cht\u011bj\u00ed b\u00fdt p\u0159i koupi nemovitosti rychl\u00ed<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-chcete-m-t-n-skok-za-n-te-u-hypot-ky\"><strong>Chcete m\u00edt n\u00e1skok? Za\u010dn\u011bte u hypot\u00e9ky<\/strong><\/h2>\n\n\n\n<p>Dne\u0161n\u00ed realitn\u00ed trh p\u0159eje p\u0159ipraven\u00fdm. Pokud zva\u017eujete koupi nemovitosti, ale je\u0161t\u011b jste \u017e\u00e1dnou nena\u0161li, hypot\u00e9ka bez nemovitosti m\u016f\u017ee b\u00fdt va\u0161\u00edm kl\u00ed\u010dem k rychl\u00e9mu a v\u00fdhodn\u00e9mu n\u00e1kupu. Nav\u00edc budete p\u0159esn\u011b v\u011bd\u011bt, jakou nemovitost si m\u016f\u017eete dovolit. Za\u010d\u00edt m\u016f\u017eete p\u0159\u00edmo v na\u0161\u00ed <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">hypote\u010dn\u00ed kalkula\u010dce<\/a>.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83c\udfe1 O mo\u017enostech, podm\u00ednk\u00e1ch i v\u00fdhod\u00e1ch konkr\u00e9tn\u00edho \u0159e\u0161en\u00ed se s n\u00e1mi m\u016f\u017eete <a href=\"https:\/\/www.fingo.cz\/kontakty\"><em>zdarma poradit<\/em><\/a>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-nej-ast-j-ot-zky\"><strong>Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky<\/strong> k hypot\u00e9ce bez nemovitosti<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-1-co-kdy-si-nestihnu-naj-t-nemovitost-do-doby-platnosti-hypot-ky\"><strong>1. Co kdy\u017e si nestihnu naj\u00edt nemovitost do doby platnosti hypot\u00e9ky?<\/strong><\/h3>\n\n\n\n<p>Platnost hypot\u00e9ky dop\u0159edu kon\u010d\u00ed po 12 &#8211; 36 m\u011bs\u00edc\u00edch. Pokud si do t\u00e9 doby nemovitost nevyberete, bude nutn\u00e9 po\u017e\u00e1dat o nov\u00e9 posouzen\u00ed a aktualizaci podklad\u016f. To m\u016f\u017ee zahrnovat znovu dolo\u017een\u00ed p\u0159\u00edjm\u016f nebo zm\u011bnu podm\u00ednek.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-2-lze-hypot-ku-bez-nemovitosti-kombinovat-se-st-tn-podporou-nebo-dotacemi-nap-od-st-tn-ho-fondu-podpory-investic\"><strong>2. Lze hypot\u00e9ku bez nemovitosti kombinovat se st\u00e1tn\u00ed podporou nebo dotacemi (nap\u0159. od St\u00e1tn\u00edho fondu podpory investic)?<\/strong><\/h3>\n\n\n\n<p>Ano, ale a\u017e ve chv\u00edli, kdy dolo\u017e\u00edte konkr\u00e9tn\u00ed nemovitost. St\u00e1tn\u00ed podpora je v\u017edy nav\u00e1zan\u00e1 na \u00fa\u010del financov\u00e1n\u00ed. Hypot\u00e9ka dop\u0159edu v\u00e1m pom\u016f\u017ee s p\u0159\u00edpravou, ale pro uplatn\u011bn\u00ed podpory je nutn\u00e9 zn\u00e1t p\u0159esn\u00e9 parametry koup\u011b nebo v\u00fdstavby.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-3-m-u-s-hypot-kou-dop-edu-financovat-i-dru-stevn-byt\"><strong>3. M\u016f\u017eu s hypot\u00e9kou dop\u0159edu financovat i dru\u017estevn\u00ed byt?<\/strong><\/h3>\n\n\n\n<p>Ano, ale je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee dru\u017estevn\u00ed byty maj\u00ed specifick\u00e9 podm\u00ednky financov\u00e1n\u00ed \u2013 p\u0159edev\u0161\u00edm kv\u016fli absenci klasick\u00e9ho z\u00e1pisu v katastru nemovitost\u00ed. Hypot\u00e9ku lze vyu\u017e\u00edt, ale pouze pokud bude mo\u017en\u00e9 ru\u010dit jinou nemovitost\u00ed, nebo pokud dru\u017estvo umo\u017e\u0148uje p\u0159evod do osobn\u00edho vlastnictv\u00ed.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-4-d-se-p-edschv-len-hypot-ka-vyu-t-i-na-rekrea-n-objekt-nebo-pozemek\"><strong>4. D\u00e1 se p\u0159edschv\u00e1len\u00e1 hypot\u00e9ka vyu\u017e\u00edt i na rekrea\u010dn\u00ed objekt nebo pozemek?<\/strong><\/h3>\n\n\n\n<p>Ano, ale banka mus\u00ed dop\u0159edu v\u011bd\u011bt, jak\u00fd typ nemovitosti pl\u00e1nujete koupit \u2013 r\u016fzn\u00e9 typy z\u00e1stavy maj\u00ed r\u016fzn\u00e9 podm\u00ednky (nap\u0159. chaty, chalupy, stavebn\u00ed pozemky). Ide\u00e1ln\u00ed je s hypote\u010dn\u00edm specialistou probrat va\u0161e z\u00e1m\u011bry u\u017e p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-5-m-u-hypot-ku-bez-nemovitosti-vyu-t-opakovan-pokud-u-jsem-ji-jednou-nevy-erpal\"><strong>5. M\u016f\u017eu hypot\u00e9ku bez nemovitosti vyu\u017e\u00edt opakovan\u011b, pokud u\u017e jsem ji jednou nevy\u010derpal?<\/strong><\/h3>\n\n\n\n<p>V z\u00e1sad\u011b ano, ale poka\u017ed\u00e9 je pot\u0159eba nov\u00e9 posouzen\u00ed \u2013 tedy nov\u00fd schvalovac\u00ed proces. Nav\u00edc je nevy\u010derp\u00e1n\u00ed zat\u00ed\u017eeno sankc\u00ed! Hypot\u00e9ka bez nemovitosti nen\u00ed jednor\u00e1zov\u00fd produkt, ale forma p\u0159\u00edpravy a jedn\u00e1 se o slu\u017ebu ke klasick\u00e9 hypot\u00e9ce. Po uplynut\u00ed jej\u00ed platnosti se mus\u00ed v\u0161e znovu prov\u011b\u0159it a dohodnout se na p\u0159\u00edpadn\u00e9 zm\u011bn\u011b produktu na klasickou hypot\u00e9ku.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-6-jak-je-rozd-l-mezi-pojmy-hypot-ka-bez-nemovitosti-a-p-edhypote-n-v-r\"><strong>6. Jak\u00fd je rozd\u00edl mezi pojmy \u201chypot\u00e9ka bez nemovitosti\u201d a \u201cp\u0159edhypote\u010dn\u00ed \u00fav\u011br\u201d<\/strong><\/h3>\n\n\n\n<p>Ka\u017ed\u00fd pojem \u0159\u00edk\u00e1 n\u011bco jin\u00e9ho:<\/p>\n\n\n\n<p><strong>Hypot\u00e9ka bez nemovitosti<\/strong> &#8211; je klasick\u00e1 hypot\u00e9ka, u kter\u00e9 chyb\u00ed nemovitost. Jedn\u00e1 se o&nbsp; schv\u00e1len\u00fd objem pen\u011bz dle bonity \u017eadatele. \u010cas na vy\u010derp\u00e1n\u00ed takov\u00e9 nemovitosti je 12 &#8211; 36 m\u011bs\u00edc\u016f. Sice je nutn\u00e9 zaplatit poplatek za zpracov\u00e1n\u00ed, ale \u00farokov\u00e1 sazba je jako u klasick\u00e9 hypot\u00e9ky (nen\u00ed vy\u0161\u0161\u00ed).<\/p>\n\n\n\n<p><strong>P\u0159edhypote\u010dn\u00ed \u00fav\u011br <\/strong>&#8211; je schv\u00e1len\u00fd bankou ji\u017e na konkr\u00e9tn\u00ed nemovitost, se kterou se jen do\u010dasn\u011b ned\u00e1 ru\u010dit. Takov\u00fd p\u0159\u00edpad m\u016f\u017ee nastat u dra\u017eby nebo exekuce nemovitosti nebo u dru\u017estevn\u00edch byt\u016f. Nev\u00fdhodou je vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba po dobu, kdy nen\u00ed mo\u017en\u00e9 s danou nemovitost\u00ed ru\u010dit. Tak\u00e9 je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee ji mus\u00edte vy\u010derpat do 1 roku.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na dne\u0161n\u00edm realitn\u00edm trhu plat\u00ed jednoduch\u00e9 pravidlo: kdo se d\u0159\u00edve rozhodne a zaplat\u00ed, m\u00e1 p\u0159ednost. Nab\u00eddka nemovitost\u00ed je omezen\u00e1, z\u00e1jemc\u016f o koupi ale neub\u00fdv\u00e1. A pr\u00e1v\u011b v takov\u00e9m prost\u0159ed\u00ed z\u00edsk\u00e1v\u00e1 na atraktivit\u011b hypot\u00e9ka bez nemovitosti \u2013 tedy \u00fav\u011br, kter\u00fd si sjedn\u00e1te je\u0161t\u011b p\u0159edt\u00edm, ne\u017e v\u00edte, jakou nemovitost koup\u00edte. Co je hypot\u00e9ka bez nemovitosti? Hypot\u00e9ka bez nemovitosti, n\u011bkdy naz\u00fdvan\u00e1 tak\u00e9 jako hypot\u00e9ka naruby nebo hypot\u00e9ka dop\u0159edu, je specifick\u00fd typ financov\u00e1n\u00ed, kter\u00fd v\u00e1m umo\u017en\u00ed z\u00edskat schv\u00e1len\u00fd objem financ\u00ed, ani\u017e byste museli hned ru\u010dit konkr\u00e9tn\u00ed nemovitost\u00ed. Jak to funguje? T\u00edmto zp\u016fsobem jdete na trh s jistotou financov\u00e1n\u00ed \u2013 a to v\u00e1m d\u00e1v\u00e1 oproti ostatn\u00edm kupuj\u00edc\u00edm z\u00e1sadn\u00ed v\u00fdhodu. Pro\u010d o t\u00e9to hypot\u00e9ce bez nemovitosti uva\u017eovat? 1. Rychlost rozhoduje V sou\u010dasn\u00e9 situaci je b\u011b\u017en\u00e9, \u017ee se zaj\u00edmav\u00e9 nemovitosti prodaj\u00ed b\u011bhem n\u011bkolika dn\u00ed. Pokud u\u017e m\u00e1te hypot\u00e9ku schv\u00e1lenou, m\u016f\u017eete ihned podepsat rezerva\u010dn\u00ed smlouvu a p\u0159edb\u011bhnout konkurenci, kter\u00e1 teprve vy\u0159izuje financov\u00e1n\u00ed. 2. V\u00fdhoda pro investory Investo\u0159i do nemovitost\u00ed tuto strategii vyu\u017e\u00edvaj\u00ed b\u011b\u017en\u011b \u2013 maj\u00ed schv\u00e1len\u00fd objem \u00fav\u011bru (schv\u00e1len\u00fd obnos pen\u011bz, kter\u00e9 mohou obratem \u010derpat). Objem se stanov\u00ed na z\u00e1klad\u011b bonity klient\u016f. Po\u017e\u00e1daj\u00ed si o maximum, ale mohou pak vy\u010derpat m\u00e9n\u011b, pokud kupuj\u00ed levn\u011bj\u0161\u00ed nemovitost. Kone\u010dn\u00e1 \u00faprava se stanov\u00ed Dodatkem k \u00fav\u011brov\u00e9 smlouv\u011b. Omezen\u00ed je, \u017ee ji nem\u016f\u017eete [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2520,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[162,13],"class_list":["post-2514","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-hypoteka-bez-nemovitosti","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>Hypot\u00e9ka bez nemovitosti je v\u00fdhodou<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9ka bez nemovitosti v\u00e1m d\u00e1v\u00e1 v\u00fdhodu na realitn\u00edm trhu. Bu\u010fte t\u00edm nejrychlej\u0161\u00edm kupuj\u00edc\u00edm. 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