{"id":620,"date":"2024-08-21T09:33:39","date_gmt":"2024-08-21T08:33:39","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=620"},"modified":"2025-12-12T16:58:01","modified_gmt":"2025-12-12T15:58:01","slug":"hypoteka-manzelstvi","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/","title":{"rendered":"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich"},"content":{"rendered":"\n<p>Svatba a spole\u010dn\u00e9 pl\u00e1ny do budoucna jsou \u010dast\u00fdm impulsem pro to, za\u010d\u00edt \u0159e\u0161it i nov\u00e9, v\u011bt\u0161\u00ed a hlavn\u011b vlastn\u00ed bydlen\u00ed. Lidem, kte\u0159\u00ed usiluj\u00ed o man\u017eelstv\u00ed, se p\u0159itom nab\u00edz\u00ed hned n\u011bkolik mo\u017enost\u00ed, jak o hypot\u00e9ku po\u017e\u00e1dat, a z ka\u017ed\u00e9 vypl\u00fdvaj\u00ed ur\u010dit\u00e9 benefity a rizika. Poj\u010fme si to shrnout.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hypoteka-pred-svatbou\">Hypot\u00e9ka p\u0159ed svatbou<\/h2>\n\n\n\n<p>Pokud si vezmete hypot\u00e9ku je\u0161t\u011b p\u0159ed svatbou, m\u016f\u017ee v\u00e1m to <strong>usnadnit situaci<\/strong>, pokud chcete, aby byla hypot\u00e9ka psan\u00e1 jen na jednoho z v\u00e1s. Na druhou stranu si takto neuzav\u0159ete mo\u017enost po\u017e\u00e1dat o hypot\u00e9ku v p\u00e1ru.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hypoteka-na-jednoho-z-partneru\">Hypot\u00e9ka na jednoho z partner\u016f<\/h3>\n\n\n\n<p>P\u0159ed svatbou samoz\u0159ejm\u011b m\u016f\u017ee \u017e\u00e1dat ka\u017ed\u00fd z partner\u016f bez dal\u0161\u00edho pap\u00edrov\u00e1n\u00ed jen s\u00e1m za sebe. V takov\u00e9m p\u0159\u00edpad\u011b se mu p\u0159i <a href=\"https:\/\/www.fingo.cz\/blog\/bonita\/\" target=\"_blank\" rel=\"noreferrer noopener\">hodnocen\u00ed jeho bonity<\/a> zapo\u010d\u00edt\u00e1 <strong>jen jeho vlastn\u00ed p\u0159\u00edjem<\/strong>, na druhou stranu ale banka vezme v potaz j<strong>en jeho v\u00fddaje a dal\u0161\u00ed z\u00e1vazky<\/strong>. Pokud dojde k probl\u00e9m\u016fm se spl\u00e1cen\u00edm, <strong>druh\u00fd z p\u00e1ru neponese d\u016fsledky<\/strong>.<\/p>\n\n\n\n<p>Co se s takovou hypot\u00e9kou stane <strong>po svatb\u011b<\/strong>? Nic zvl\u00e1\u0161tn\u00edho, spl\u00e1cet d\u00e1l bude jen jeden z man\u017eel\u016f. Na konci <a href=\"https:\/\/www.fingo.cz\/blog\/fixace-hypoteky\/\" target=\"_blank\" rel=\"noreferrer noopener\">fixa\u010dn\u00edho obdob\u00ed<\/a> p\u0159i <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\/refinancovani\" target=\"_blank\" rel=\"noreferrer noopener\">refinancov\u00e1n\u00ed hypot\u00e9ky<\/a> nebo za administrativn\u00ed poplatek i v pr\u016fb\u011bhu spl\u00e1cen\u00ed je v\u0161ak mo\u017en\u00e9 <strong>p\u0159istoupen\u00ed ke smlouv\u011b i ze strany druh\u00e9ho partnera<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-kdy-se-vam-hypoteka-na-jednoho-z-partneru-vyplati\">Kdy se v\u00e1m hypot\u00e9ka na jednoho z partner\u016f vyplat\u00ed<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jeden z partner\u016f m\u00e1 <strong>vysok\u00e9 povinn\u00e9 v\u00fddaje<\/strong>.<\/li>\n\n\n\n<li>Nepot\u0159ebujete nav\u00fd\u0161it dokl\u00e1dan\u00fd p\u0159\u00edjem.<\/li>\n\n\n\n<li>Chyst\u00e1te se v budoucnu \u017e\u00e1dat o <strong>dal\u0161\u00ed \u00fav\u011br na druh\u00e9ho z partner\u016f<\/strong>.<\/li>\n\n\n\n<li>P\u0159i neschopnosti spl\u00e1cet je po\u0161kozena bonita jen jednoho z partner\u016f.<\/li>\n<\/ul>\n\n\n\n<p><strong>Spo\u010d\u00edtejte si, na jak vysokou hypot\u00e9ku dos\u00e1hnete se sv\u00fdmi p\u0159\u00edjmy:<\/strong><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version6\" frameborder=\"0\" allowfullscreen=\"\" width=\"100%\" height=\"728\" scrolling=\"1\" style=\"box-shadow: 0 0 10px gray; margin: 20px 0;\" name=\"banner2\" id=\"iframeMortgageV6\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hypoteka-pro-par\">Hypot\u00e9ka pro p\u00e1r<\/h3>\n\n\n\n<p>Pokud chcete je\u0161t\u011b p\u0159ed svatbou po\u017e\u00e1dat o hypot\u00e9ku v p\u00e1ru, nen\u00ed to probl\u00e9m. O hypot\u00e9ku toti\u017e mohou spole\u010dn\u011b \u017e\u00e1dat <strong>a\u017e \u010dty\u0159i osoby ze dvou dom\u00e1cnost\u00ed<\/strong>. Klasicky se k takov\u00e9mu kroku p\u0159istupuje kv\u016fli <a href=\"https:\/\/www.fingo.cz\/blog\/bonita\/\" target=\"_blank\" rel=\"noreferrer noopener\">nav\u00fd\u0161en\u00ed bonity<\/a>: do p\u0159\u00edjm\u016f se zapo\u010d\u00edtaj\u00ed <strong>ve\u0161ker\u00e9 p\u0159\u00edjmy v\u0161ech \u017e\u00e1daj\u00edc\u00edch osob<\/strong>.<\/p>\n\n\n\n<p>Na druhou stranu&nbsp; hypot\u00e9ka pro p\u00e1r m\u00e1 i svoje nev\u00fdhody. Krom\u011b benefit\u016f plynouc\u00edch ze spole\u010dn\u00e9ho v\u00fdpo\u010dtu bonity m\u016f\u017eou druh\u00e9ho po\u0161kodit <strong>vysok\u00e9 povinn\u00e9 v\u00fddaje<\/strong> jednoho z p\u00e1ru, nap\u0159\u00edklad na spl\u00e1cen\u00ed jin\u00fdch \u00fav\u011br\u016f nebo na alimenty na d\u011bti z p\u0159edchoz\u00edho man\u017eelstv\u00ed.<\/p>\n\n\n\n<p>Jestli\u017ee v budoucnosti jednomu z \u017eadatel\u016f vypadnou p\u0159\u00edjmy nebo p\u0159estane b\u00fdt schopen sv\u00e9 z\u00e1vazky spl\u00e1cet z jin\u00e9ho d\u016fvodu, <strong>druh\u00fd partner bude muset p\u0159evz\u00edt spl\u00e1cen\u00ed cel\u00fdch \u010d\u00e1stek<\/strong>, jinak se s\u00e1m dostane do probl\u00e9m\u016f. V takov\u00e9m p\u0159\u00edpad\u011b je pot\u0159eba v\u0161echno aktivn\u011b \u0159e\u0161it v bance, jinak se oba z p\u00e1ru dostanou do dlu\u017en\u00edho rejst\u0159\u00edku.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-kdy-se-vam-hypoteka-pro-par-vyplati\">Kdy se v\u00e1m hypot\u00e9ka pro p\u00e1r vyplat\u00ed<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pot\u0159ebujete<strong> nav\u00fd\u0161it dokl\u00e1dan\u00fd p\u0159\u00edjem a tedy i vy\u0161\u0161\u00ed hypot\u00e9ku<\/strong>.<\/li>\n\n\n\n<li>Ani jeden z partner\u016f <strong>nem\u00e1 vysok\u00e9 povinn\u00e9 v\u00fddaje<\/strong>.<\/li>\n\n\n\n<li><strong>Nemus\u00edte se b\u00e1t po\u0161kozen\u00ed obou partner\u016f<\/strong> v p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hypoteka-v-manzelstvi\">Hypot\u00e9ka v man\u017eelstv\u00ed<\/h2>\n\n\n\n<p>Jakmile uzav\u0159ete man\u017eelstv\u00ed, budete o hypot\u00e9ku \u017e\u00e1dat automaticky spole\u010dn\u011b. Naopak pokud chce po\u017e\u00e1dat pouze jeden z v\u00e1s, je t\u0159eba po\u017e\u00e1dat o <strong>z\u00fa\u017een\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hypoteka-na-jednoho-z-manzelu\">Hypot\u00e9ka na jednoho z man\u017eel\u016f<\/h3>\n\n\n\n<p>\u017d\u00e1dat o hypot\u00e9ku jen na jednoho z man\u017eel\u016f m\u00e1 stejn\u00e9 benefity i rizika, jako kdy\u017e jeden z partner\u016f \u017e\u00e1d\u00e1 je\u0161t\u011b p\u0159ed svatbou. Na rozd\u00edl od takov\u00e9 situace je ale pot\u0159eba u\u010dinit aktivn\u00ed kroky k tomu, aby se druh\u00fd man\u017eel nestal automaticky spolu\u017eadatelem.<\/p>\n\n\n\n<p>T\u00edm se rozum\u00ed <strong>n\u00e1v\u0161t\u011bva not\u00e1\u0159e<\/strong> a seps\u00e1n\u00ed dohody o z\u00fa\u017een\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f. Bydlen\u00ed vy\u010dlen\u00edte ze spole\u010dn\u00e9ho jm\u011bn\u00ed a sou\u010dasn\u011b i ve\u0161ker\u00e9 budouc\u00ed z\u00e1vazky a dluhy budou v\u00fdhradn\u011b jen na toho, kdo uzav\u0159e danou smlouvu. T\u00edm bude mo\u017en\u00e9, aby i hypot\u00e9ka byla vedena jen na jednoho z man\u017eel\u016f.&nbsp;&nbsp;<\/p>\n\n\n\n<p>V\u00fdhoda je nap\u0159\u00edklad i pokud jeden z man\u017eel\u016f m\u00e1 <strong>historicky negativn\u00ed informace v registrech<\/strong> (nap\u0159. exekuce, insolvence). V\u00edce se m\u016f\u017eete do\u010d\u00edst v \u010dl\u00e1nku o <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-po-insolvenci\/\" target=\"_blank\" rel=\"noreferrer noopener\">3 \u0161ance, jak z\u00edskat hypot\u00e9ku po insolvenci<\/a>.<\/p>\n\n\n\n<p>Proto\u017ee ale not\u00e1\u0159i zaplat\u00edte za z\u00e1pis <strong>poplatek v \u0159\u00e1du jednotek tis\u00edc\u016f korun<\/strong>, bude pro v\u00e1s v\u00fdhodn\u011bj\u0161\u00ed po\u017e\u00e1dat je\u0161t\u011b p\u0159ed svatbou.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-kdy-se-vam-hypoteka-na-jednoho-z-manzelu-vyplati\">Kdy se v\u00e1m hypot\u00e9ka na jednoho z man\u017eel\u016f vyplat\u00ed<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jeden z partner\u016f m\u00e1 <strong>vysok\u00e9 povinn\u00e9 v\u00fddaje<\/strong>.<\/li>\n\n\n\n<li>Nepot\u0159ebujete nav\u00fd\u0161it dokl\u00e1dan\u00fd p\u0159\u00edjem.<\/li>\n\n\n\n<li>Chyst\u00e1te se v budoucnu \u017e\u00e1dat o <strong>dal\u0161\u00ed \u00fav\u011br na druh\u00e9ho z partner\u016f<\/strong>.<\/li>\n\n\n\n<li>P\u0159i neschopnosti spl\u00e1cet je po\u0161kozena bonita jen jednoho z partner\u016f.<\/li>\n\n\n\n<li>V\u00fdhodn\u011bj\u0161\u00ed ale bude po\u017e\u00e1dat o hypot\u00e9ku pro jednoho z p\u00e1ru<strong> je\u0161t\u011b p\u0159ed svatbou<\/strong>, kdy u\u0161et\u0159\u00edte za z\u00e1pis o z\u00fa\u017een\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hypoteka-pro-dva-manzele\">Hypot\u00e9ka pro dva man\u017eele<\/h3>\n\n\n\n<p>Pokud nesep\u00ed\u0161ete not\u00e1\u0159sk\u00fd z\u00e1pis o z\u00fa\u017een\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f, budete po svatb\u011b <strong>&nbsp;automaticky o hypot\u00e9ku \u017e\u00e1dat spole\u010dn\u011b<\/strong>. Oba man\u017eel\u00e9 tak budou <strong>dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy, v\u00fddaje a podepisovat smlouvu<\/strong>.<\/p>\n\n\n\n<p>D\u00edky tomu m\u016f\u017eete dos\u00e1hnout na lep\u0161\u00ed bonitu, proto\u017ee se se\u010dtou va\u0161e p\u0159\u00edjmy, z\u00e1rove\u0148 si ale m\u016f\u017eete i u\u0161kodit, pokud m\u00e1 n\u011bkter\u00fd z partner\u016f vysok\u00e9 z\u00e1vazky a povinn\u00e9 v\u00fddaje. Ve v\u00fdsledku se tak setk\u00e1te se <strong>stejn\u00fdmi v\u00fdhodami a nev\u00fdhodami, jako pokud spole\u010dn\u011b po\u017e\u00e1d\u00e1te o hypot\u00e9ku je\u0161t\u011b p\u0159ed uzav\u0159en\u00edm man\u017eelstv\u00ed<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-kdy-se-vam-hypoteka-pro-manzele-vyplati\">Kdy se v\u00e1m hypot\u00e9ka pro man\u017eele vyplat\u00ed<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pot\u0159ebujete<strong> nav\u00fd\u0161it dokl\u00e1dan\u00fd p\u0159\u00edjem a dos\u00e1hnout na vy\u0161\u0161\u00ed hypot\u00e9ku<\/strong>.<\/li>\n\n\n\n<li>Ani jeden z partner\u016f nem\u00e1 vysok\u00e9 povinn\u00e9 v\u00fddaje.<\/li>\n\n\n\n<li><strong>Nemus\u00edte se b\u00e1t po\u0161kozen\u00ed obou partner\u016f<\/strong> v p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-manzelska-hypoteka-po-rozvodu\">Man\u017eelsk\u00e1 hypot\u00e9ka po rozvodu<\/h2>\n\n\n\n<p>Kdy\u017e u\u017e dojde na rozvod, je jasn\u00e9, \u017ee <strong>hypot\u00e9ka jen na jednoho z man\u017eel\u016f je administrativn\u011b m\u00e9n\u011b n\u00e1ro\u010dn\u00e1<\/strong>. Hypot\u00e9ka i bydlen\u00ed z\u016fstanou v rukou toho, na koho byla uzav\u0159ena kupn\u00ed a hypote\u010dn\u00ed smlouva.<\/p>\n\n\n\n<p>Hypot\u00e9ka na oba man\u017eele vy\u017eaduje, aby do\u0161lo k <strong>dohod\u011b a vyrovn\u00e1n\u00ed<\/strong> mezi nimi. <strong>Neochota spl\u00e1cet<\/strong> jednoho z nich v pr\u016fb\u011bhu rozvodu z\u00e1rove\u0148<strong> ohro\u017euje druh\u00e9ho z man\u017eel\u016f<\/strong>. Proto byste v\u017edy m\u011bli p\u0159istupovat k \u0159e\u0161en\u00ed probl\u00e9m\u016f se spl\u00e1cen\u00edm aktivn\u011b a <strong>domluvit se s bankou<\/strong> (nap\u0159\u00edklad na prodlou\u017een\u00ed doby spl\u00e1cen\u00ed, pokud je pro to prostor).<\/p>\n\n\n\n<p>Jak si po\u010d\u00ednat ve va\u0161\u00ed konkr\u00e9tn\u00ed situaci, jak\u00e1 cesta se v\u00e1m vyplat\u00ed a jak \u0159e\u0161it probl\u00e9my, s t\u00edm v\u0161\u00edm v\u00e1m pom\u016f\u017ee <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">hypote\u010dn\u00ed poradce<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Svatba a spole\u010dn\u00e9 pl\u00e1ny do budoucna jsou \u010dast\u00fdm impulsem pro to, za\u010d\u00edt \u0159e\u0161it i nov\u00e9, v\u011bt\u0161\u00ed a hlavn\u011b vlastn\u00ed bydlen\u00ed. Lidem, kte\u0159\u00ed usiluj\u00ed o man\u017eelstv\u00ed, se p\u0159itom nab\u00edz\u00ed hned n\u011bkolik mo\u017enost\u00ed, jak o hypot\u00e9ku po\u017e\u00e1dat, a z ka\u017ed\u00e9 vypl\u00fdvaj\u00ed ur\u010dit\u00e9 benefity a rizika. Poj\u010fme si to shrnout. Hypot\u00e9ka p\u0159ed svatbou Pokud si vezmete hypot\u00e9ku je\u0161t\u011b p\u0159ed svatbou, m\u016f\u017ee v\u00e1m to usnadnit situaci, pokud chcete, aby byla hypot\u00e9ka psan\u00e1 jen na jednoho z v\u00e1s. Na druhou stranu si takto neuzav\u0159ete mo\u017enost po\u017e\u00e1dat o hypot\u00e9ku v p\u00e1ru. Hypot\u00e9ka na jednoho z partner\u016f P\u0159ed svatbou samoz\u0159ejm\u011b m\u016f\u017ee \u017e\u00e1dat ka\u017ed\u00fd z partner\u016f bez dal\u0161\u00edho pap\u00edrov\u00e1n\u00ed jen s\u00e1m za sebe. V takov\u00e9m p\u0159\u00edpad\u011b se mu p\u0159i hodnocen\u00ed jeho bonity zapo\u010d\u00edt\u00e1 jen jeho vlastn\u00ed p\u0159\u00edjem, na druhou stranu ale banka vezme v potaz jen jeho v\u00fddaje a dal\u0161\u00ed z\u00e1vazky. Pokud dojde k probl\u00e9m\u016fm se spl\u00e1cen\u00edm, druh\u00fd z p\u00e1ru neponese d\u016fsledky. Co se s takovou hypot\u00e9kou stane po svatb\u011b? Nic zvl\u00e1\u0161tn\u00edho, spl\u00e1cet d\u00e1l bude jen jeden z man\u017eel\u016f. Na konci fixa\u010dn\u00edho obdob\u00ed p\u0159i refinancov\u00e1n\u00ed hypot\u00e9ky nebo za administrativn\u00ed poplatek i v pr\u016fb\u011bhu spl\u00e1cen\u00ed je v\u0161ak mo\u017en\u00e9 p\u0159istoupen\u00ed ke smlouv\u011b i ze strany druh\u00e9ho partnera. Kdy se v\u00e1m hypot\u00e9ka na jednoho z partner\u016f vyplat\u00ed Spo\u010d\u00edtejte si, na jak [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2295,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky"],"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 pro p\u00e1r, pro man\u017eele i pro jednoho z nich - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Vyplat\u00ed se \u010derpat hypot\u00e9ku p\u0159ed uzav\u0159en\u00edm man\u017eelstv\u00ed nebo pot\u00e9? M\u011bli by hypot\u00e9ku \u010derpat oba man\u017eel\u00e9, nebo jen jeden?\" \/>\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\/hypoteka-manzelstvi\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich\" \/>\n<meta property=\"og:description\" content=\"Vyplat\u00ed se \u010derpat hypot\u00e9ku p\u0159ed uzav\u0159en\u00edm man\u017eelstv\u00ed nebo pot\u00e9? M\u011bli by hypot\u00e9ku \u010derpat oba man\u017eel\u00e9, nebo jen jeden?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/\" \/>\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=\"2024-08-21T08:33:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-12T15:58:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/hypoteka_v_manzelstvi.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=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/\"},\"author\":{\"name\":\"Jana Vaisov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/efd0cb45244498b47386dbd21c9b0a3c\"},\"headline\":\"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich\",\"datePublished\":\"2024-08-21T08:33:39+00:00\",\"dateModified\":\"2025-12-12T15:58:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/\"},\"wordCount\":1260,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/hypoteka_v_manzelstvi.png\",\"articleSection\":[\"Hypot\u00e9ky\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/\",\"name\":\"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich - Blog FinGO.cz\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/hypoteka_v_manzelstvi.png\",\"datePublished\":\"2024-08-21T08:33:39+00:00\",\"dateModified\":\"2025-12-12T15:58:01+00:00\",\"description\":\"Vyplat\u00ed se \u010derpat hypot\u00e9ku p\u0159ed uzav\u0159en\u00edm man\u017eelstv\u00ed nebo pot\u00e9? M\u011bli by hypot\u00e9ku \u010derpat oba man\u017eel\u00e9, nebo jen jeden?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/hypoteka_v_manzelstvi.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/hypoteka_v_manzelstvi.png\",\"width\":1344,\"height\":896,\"caption\":\"Hypot\u00e9ka v man\u017eelstv\u00ed\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/hypoteka-manzelstvi\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\",\"name\":\"Blog FinGO.cz\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\",\"name\":\"Fingo.cz\",\"alternateName\":\"Nez\u00e1visl\u00e9 finan\u010dn\u00ed slu\u017eby - Fingo.cz\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo.png\",\"width\":300,\"height\":118,\"caption\":\"Fingo.cz\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/fingo.cz\\\/\",\"https:\\\/\\\/x.com\\\/fingocz\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCGwO0jxau7AaMq0gKUcCh7A\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/fingo-cz\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/efd0cb45244498b47386dbd21c9b0a3c\",\"name\":\"Jana Vaisov\u00e1\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/cropped-jana_vaisova-96x96.png\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/cropped-jana_vaisova-96x96.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/cropped-jana_vaisova-96x96.png\",\"caption\":\"Jana Vaisov\u00e1\"},\"description\":\"V bankovnictv\u00ed a v oblasti hypot\u00e9k se pohybuje ji\u017e od roku 1996 na r\u016fzn\u00fdch mana\u017eersk\u00fdch, metodick\u00fdch a obchodn\u00edch pozic\u00edch. Od roku 2017 pom\u00e1h\u00e1 zvl\u00e1dat problematiku \u00fav\u011brov\u00e1n\u00ed finan\u010dn\u00edm poradc\u016fm. Aktu\u00e1ln\u011b zast\u00e1v\u00e1 pozici Seniorn\u00ed specialista pro oblast spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na bydlen\u00ed a stavebn\u00edho spo\u0159en\u00ed ve spole\u010dnosti FinGO.cz. Miluje obecn\u011b zv\u00ed\u0159ata, zejm\u00e9na psy, se kter\u00fdmi se aktivn\u011b v\u011bnuje canisterapii v domech pro seniory \u010di ve speci\u00e1ln\u00edch \u0161kol\u00e1ch.\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/author\\\/jana-vaisova\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich - Blog FinGO.cz","description":"Vyplat\u00ed se \u010derpat hypot\u00e9ku p\u0159ed uzav\u0159en\u00edm man\u017eelstv\u00ed nebo pot\u00e9? M\u011bli by hypot\u00e9ku \u010derpat oba man\u017eel\u00e9, nebo jen jeden?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/","og_locale":"cs_CZ","og_type":"article","og_title":"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich","og_description":"Vyplat\u00ed se \u010derpat hypot\u00e9ku p\u0159ed uzav\u0159en\u00edm man\u017eelstv\u00ed nebo pot\u00e9? M\u011bli by hypot\u00e9ku \u010derpat oba man\u017eel\u00e9, nebo jen jeden?","og_url":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/","og_site_name":"Blog FinGO.cz","article_publisher":"https:\/\/www.facebook.com\/fingo.cz\/","article_published_time":"2024-08-21T08:33:39+00:00","article_modified_time":"2025-12-12T15:58:01+00:00","og_image":[{"width":1344,"height":896,"url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/hypoteka_v_manzelstvi.png","type":"image\/png"}],"author":"Jana Vaisov\u00e1","twitter_card":"summary_large_image","twitter_creator":"@fingocz","twitter_site":"@fingocz","twitter_misc":{"Napsal(a)":"Jana Vaisov\u00e1","Odhadovan\u00e1 doba \u010dten\u00ed":"5 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/#article","isPartOf":{"@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/"},"author":{"name":"Jana Vaisov\u00e1","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/person\/efd0cb45244498b47386dbd21c9b0a3c"},"headline":"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich","datePublished":"2024-08-21T08:33:39+00:00","dateModified":"2025-12-12T15:58:01+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/"},"wordCount":1260,"publisher":{"@id":"https:\/\/www.fingo.cz\/blog\/#organization"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/hypoteka_v_manzelstvi.png","articleSection":["Hypot\u00e9ky"],"inLanguage":"cs"},{"@type":"WebPage","@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/","url":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/","name":"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich - Blog FinGO.cz","isPartOf":{"@id":"https:\/\/www.fingo.cz\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/#primaryimage"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/hypoteka_v_manzelstvi.png","datePublished":"2024-08-21T08:33:39+00:00","dateModified":"2025-12-12T15:58:01+00:00","description":"Vyplat\u00ed se \u010derpat hypot\u00e9ku p\u0159ed uzav\u0159en\u00edm man\u017eelstv\u00ed nebo pot\u00e9? M\u011bli by hypot\u00e9ku \u010derpat oba man\u017eel\u00e9, nebo jen jeden?","breadcrumb":{"@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/#primaryimage","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/hypoteka_v_manzelstvi.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/hypoteka_v_manzelstvi.png","width":1344,"height":896,"caption":"Hypot\u00e9ka v man\u017eelstv\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.cz\/blog\/hypoteka-manzelstvi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.fingo.cz\/blog\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9ka pro p\u00e1r, pro man\u017eele i pro jednoho z nich"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.cz\/blog\/#website","url":"https:\/\/www.fingo.cz\/blog\/","name":"Blog FinGO.cz","description":"","publisher":{"@id":"https:\/\/www.fingo.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.fingo.cz\/blog\/#organization","name":"Fingo.cz","alternateName":"Nez\u00e1visl\u00e9 finan\u010dn\u00ed slu\u017eby - Fingo.cz","url":"https:\/\/www.fingo.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","width":300,"height":118,"caption":"Fingo.cz"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fingo.cz\/","https:\/\/x.com\/fingocz","https:\/\/www.youtube.com\/channel\/UCGwO0jxau7AaMq0gKUcCh7A","https:\/\/www.linkedin.com\/company\/fingo-cz\/"]},{"@type":"Person","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/person\/efd0cb45244498b47386dbd21c9b0a3c","name":"Jana Vaisov\u00e1","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/08\/cropped-jana_vaisova-96x96.png","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/08\/cropped-jana_vaisova-96x96.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/08\/cropped-jana_vaisova-96x96.png","caption":"Jana Vaisov\u00e1"},"description":"V bankovnictv\u00ed a v oblasti hypot\u00e9k se pohybuje ji\u017e od roku 1996 na r\u016fzn\u00fdch mana\u017eersk\u00fdch, metodick\u00fdch a obchodn\u00edch pozic\u00edch. Od roku 2017 pom\u00e1h\u00e1 zvl\u00e1dat problematiku \u00fav\u011brov\u00e1n\u00ed finan\u010dn\u00edm poradc\u016fm. Aktu\u00e1ln\u011b zast\u00e1v\u00e1 pozici Seniorn\u00ed specialista pro oblast spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na bydlen\u00ed a stavebn\u00edho spo\u0159en\u00ed ve spole\u010dnosti FinGO.cz. Miluje obecn\u011b zv\u00ed\u0159ata, zejm\u00e9na psy, se kter\u00fdmi se aktivn\u011b v\u011bnuje canisterapii v domech pro seniory \u010di ve speci\u00e1ln\u00edch \u0161kol\u00e1ch.","url":"https:\/\/www.fingo.cz\/blog\/author\/jana-vaisova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/620","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/comments?post=620"}],"version-history":[{"count":6,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/620\/revisions"}],"predecessor-version":[{"id":2774,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/620\/revisions\/2774"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media\/2295"}],"wp:attachment":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media?parent=620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/categories?post=620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/tags?post=620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}