{"id":639,"date":"2024-10-17T10:40:00","date_gmt":"2024-10-17T09:40:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=639"},"modified":"2025-10-24T11:49:42","modified_gmt":"2025-10-24T10:49:42","slug":"hypoteka-na-nebytovy-prostor","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/hypoteka-na-nebytovy-prostor\/","title":{"rendered":"Hypot\u00e9ka na nebytov\u00fd prostor a jak ji z\u00edskat"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pl\u00e1nujete si pro vlastn\u00ed bydlen\u00ed upravit prostor, kter\u00fd m\u00e1te aktu\u00e1ln\u011b kolaudovan\u00fd jako p\u016fdu, kancel\u00e1\u0159 nebo t\u0159eba tov\u00e1rn\u00ed halu? Nebo chcete finance z hypot\u00e9ky vyu\u017e\u00edt na n\u00e1kup komer\u010dn\u00ed nemovitosti a pou\u017e\u00edt ji na sv\u00e9 podnik\u00e1n\u00ed? Nebo se chyst\u00e1te vz\u00edt si hypot\u00e9ku na gar\u00e1\u017e?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u0159i cesty k hypot\u00e9ce na nebytov\u00fd prostor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Klasick\u00e1 hypot\u00e9ka je <strong>\u00fa\u010delov\u00fdm \u00fav\u011brem<\/strong> slou\u017e\u00edc\u00edm k financov\u00e1n\u00ed nemovitosti pro bydlen\u00ed. N\u00e1kup nebytov\u00fdch prostor prost\u0159ednictv\u00edm hypote\u010dn\u00edho \u00fav\u011bru je tedy slo\u017eit\u011bj\u0161\u00ed, nicm\u00e9n\u011b zdaleka ne vylou\u010den\u00fd. V r\u016fzn\u00fdch situac\u00edch ale mus\u00edte s\u00e1hnout po r\u016fzn\u00fdch \u0159e\u0161en\u00edch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A tady m\u00e1me zm\u00edn\u011bn\u00e9 situace podle toho, co s nebytov\u00fdm prostorem pl\u00e1nujete:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>podnikat<\/strong> v n\u011bm<\/li>\n\n\n\n<li>pou\u017e\u00edvat ho <strong>pro soukrom\u00e9 \u00fa\u010dely<\/strong><\/li>\n\n\n\n<li><strong>p\u0159estav\u011bt ho a rekolaudovat na bytov\u00fd<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Hypot\u00e9ka na nebytov\u00fd prostor pro podnik\u00e1n\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na n\u00e1kup bytov\u00e9ho i nebytov\u00e9ho prostoru, kter\u00fd m\u00e1 slou\u017eit pro pron\u00e1jem nebo podnik\u00e1n\u00ed, m\u016f\u017eete vyu\u017e\u00edt <strong>podnikatelskou neboli investi\u010dn\u00ed hypot\u00e9ku<\/strong>. M\u00e1 o n\u011bco vy\u0161\u0161\u00ed \u00farokovou sazbu, ne\u017e je tomu u klasick\u00e9 hypot\u00e9ky, nicm\u00e9n\u011b umo\u017en\u00ed v\u00e1m jin\u00e9 vyu\u017eit\u00ed prostor, ne\u017e je va\u0161e vlastn\u00ed bydlen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u011bt\u0161inou ale mus\u00edte m\u00edt p\u0159ipraveno a\u017e 40 % vlastn\u00edch zdroj\u016f z v\u00fd\u0161e investi\u010dn\u00edho z\u00e1m\u011bru. Banky maj\u00ed tak\u00e9 stanoven\u00fd maxim\u00e1ln\u00ed limit pro v\u00fd\u0161i t\u00e9to hypot\u00e9ky. V\u00edc v\u00e1m <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\">porad\u00ed hypote\u010dn\u00ed specialist\u00e9 z FinGO<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TIP:<\/strong> P\u0159e\u010dt\u011bte si o <a href=\"https:\/\/www.fingo.cz\/blog\/podminky-hypoteky\/\" target=\"_blank\" rel=\"noreferrer noopener\">podm\u00ednk\u00e1ch pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hypot\u00e9ka na gar\u00e1\u017e a podobn\u00e9 \u00fa\u010dely<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud chcete nebytov\u00fd prostor pou\u017e\u00edvat pro jin\u00fd \u00fa\u010del, ne\u017e pro podnik\u00e1n\u00ed nebo vlastn\u00ed bydlen\u00ed, budete muset s\u00e1hnout po <strong>americk\u00e9 hypot\u00e9ce<\/strong>. I tady je \u00farokov\u00e1 sazba o n\u011bco vy\u0161\u0161\u00ed ne\u017e u klasick\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f, nav\u00edc bude t\u0159eba, abyste <a href=\"https:\/\/www.fingo.cz\/blog\/zastava-nemovitosti\/\" target=\"_blank\" rel=\"noreferrer noopener\">zastavili jinou nemovitost<\/a>. Ta toti\u017e mus\u00ed alespo\u0148 z 50 % slou\u017eit k bydlen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Americk\u00e1 hypot\u00e9ka <\/strong>je poskytov\u00e1na jen do ur\u010dit\u00e9 v\u00fd\u0161e, kter\u00e1 je u jednotliv\u00fdch bank velmi odli\u0161n\u00e1 (m\u016f\u017ee to b\u00fdt v jedin\u00e9 bance maxim\u00e1ln\u011b 25 mil K\u010d u jedn\u00e9 banky, u druh\u00e9 nap\u0159, 10 mil pro klienty s p\u0159\u00edjmem nad 70 tis K\u010d, ale t\u0159eba u jin\u00e9 jen 4 mil K\u010d. Vlastn\u00ed zdroje mus\u00edte m\u00edt ve v\u00fd\u0161i 30 % a po\u010d\u00edtejte i s krat\u0161\u00ed splatnost\u00ed (do 20 let).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud nem\u00e1te nemovitost, kterou byste bance poskytli do z\u00e1stavy, poslou\u017e\u00ed v\u00e1m klasick\u00fd <strong>spot\u0159ebitelsk\u00fd \u00fav\u011br<\/strong>, kter\u00fd je ov\u0161em na ni\u017e\u0161\u00ed \u010d\u00e1stku (v\u011bt\u0161inou do 1 mil K\u010d a\u017e 1,25 mil K\u010d, pro \u00fa\u010del bydlen\u00ed max. 2,5 mil K\u010d) a na kr\u00e1tkou dobu splatnosti (maxim\u00e1ln\u011b 10 let).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TIP:<\/strong> Pod\u00edvejte se na p\u0159ehled <a href=\"http:\/\/fingo.cz\/blog\/druhy-hypotek\">27 druh\u016f hypot\u00e9k a dal\u0161\u00edch 12 sit<\/a><a href=\"http:\/\/fingo.cz\/blog\/druhy-hypotek\" target=\"_blank\" rel=\"noreferrer noopener\">u<\/a><a href=\"http:\/\/fingo.cz\/blog\/druhy-hypotek\">ac\u00edch, kter\u00e9 s nimi zam\u00e1vaj\u00ed<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hypot\u00e9ka na nebytov\u00fd prostor a rekolaudaci<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jestli\u017ee si chcete koupit nebytov\u00fd prostor a prom\u011bnit ho na sv\u00e9 bydlen\u00ed, i tady pro v\u00e1s existuj\u00ed minim\u00e1ln\u011b dv\u011b \u0159e\u0161en\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu\u010f m\u016f\u017eete pou\u017e\u00edt na n\u00e1kup nemovitosti <strong>americkou hypot\u00e9ku (bez\u00fa\u010delovou)<\/strong> a bance se zaru\u010dit jinou nemovitost\u00ed, na rekonstrukci po\u017e\u00e1d\u00e1te o klasickou <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-na-rekonstrukci\/\" target=\"_blank\" rel=\"noreferrer noopener\">hypot\u00e9ku na rekonstrukci<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nebo m\u016f\u017eete <strong>oba projekty spojit dohromady<\/strong> a po\u017e\u00e1dat o klasickou <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-na-rekonstrukci\/\" target=\"_blank\" rel=\"noreferrer noopener\">hypot\u00e9ku na n\u00e1kup i p\u0159estavbu<\/a> sou\u010dasn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u010d\u00edtejte s t\u00edm, \u017ee banka bude na poskytnut\u00ed takov\u00e9 hypot\u00e9ky opatrn\u00e1. Nebytov\u00fd prostor pro ni <strong>nem\u00e1 takovou hodnotu jako nemovitosti ur\u010den\u00e9 pro bydlen\u00ed<\/strong>, proto m\u016f\u017ee vy\u017eadovat je\u0161t\u011b dal\u0161\u00ed z\u00e1stavu. Pen\u00edze v\u00e1m tak\u00e9 pravd\u011bpodobn\u011b banka <strong>vyplat\u00ed postupn\u011b<\/strong> podle toho, jak prob\u00edh\u00e1 rekonstrukce. Je mo\u017en\u00e9, \u017ee posledn\u00ed platbu v\u00e1m za\u0161le <strong>a\u017e po rekolaudaci <\/strong>nemovitosti na prostor ur\u010den\u00fd pro bydlen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017edop\u00e1dn\u011b m\u011bjte v z\u00e1loze minim\u00e1ln\u011b <strong>20 % vlastn\u00edch zdroj\u016f<\/strong>. Banka tak\u00e9 bude u klasick\u00e9 hypot\u00e9ky vy\u017eadovat p\u0159ed schv\u00e1len\u00edm <strong>p\u00edsemn\u00e9 potvrzen\u00ed p\u0159\u00edslu\u0161n\u00e9ho stavebn\u00edho \u00fa\u0159adu o tom, \u017ee je tento objekt mo\u017en\u00e9 rekolaudovat<\/strong> na bytov\u00fd prostor (stavbu pro bydlen\u00ed). N\u011bkter\u00e9 nemovitosti toti\u017e ani po rekonstrukci nemus\u00ed spl\u0148ovat podm\u00ednky pro bydlen\u00ed, nebo se nach\u00e1z\u00ed na \u00fazem\u00ed, kde nen\u00ed mo\u017en\u00e9 schv\u00e1lit stavby pro \u00fa\u010dely bydlen\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vy\u0159e\u0161te hypot\u00e9ku na nebytov\u00fd prostor s odborn\u00edkem<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nebojte se, \u017ee ud\u011bl\u00e1te p\u0159i n\u00e1kupu nebytov\u00e9ho prostoru chybu a budete za hypot\u00e9ku platit zbyte\u010dn\u011b moc. Pokud mo\u017eno se <strong>vyhn\u011bte nebankovn\u00edmu sektoru<\/strong> \u2013 vy\u0161lo by v\u00e1s to velmi draho, nav\u00edc v\u00e1m p\u016fj\u010d\u00ed nejsp\u00ed\u0161e maxim\u00e1ln\u011b 50 % z celkov\u00e9ho z\u00e1m\u011bru a m\u016f\u017eete se chytit do s\u00edt\u011b r\u016fzn\u00fdch rizik. Pokud spl\u0148ujete podm\u00ednky hypot\u00e9ky, obra\u0165te se hned na za\u010d\u00e1tku na <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>hypote\u010dn\u00edho specialistu<\/strong><\/a>, kter\u00fd s v\u00e1mi projde v\u0161echny mo\u017enosti, navrhne varianty a pom\u016f\u017ee vybrat nejlep\u0161\u00ed z nich.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pl\u00e1nujete si pro vlastn\u00ed bydlen\u00ed upravit prostor, kter\u00fd m\u00e1te aktu\u00e1ln\u011b kolaudovan\u00fd jako p\u016fdu, kancel\u00e1\u0159 nebo t\u0159eba tov\u00e1rn\u00ed halu? Nebo chcete finance z hypot\u00e9ky vyu\u017e\u00edt na n\u00e1kup komer\u010dn\u00ed nemovitosti a pou\u017e\u00edt ji na sv\u00e9 podnik\u00e1n\u00ed? Nebo se chyst\u00e1te vz\u00edt si hypot\u00e9ku na gar\u00e1\u017e? T\u0159i cesty k hypot\u00e9ce na nebytov\u00fd prostor Klasick\u00e1 hypot\u00e9ka je \u00fa\u010delov\u00fdm \u00fav\u011brem slou\u017e\u00edc\u00edm k financov\u00e1n\u00ed nemovitosti pro bydlen\u00ed. N\u00e1kup nebytov\u00fdch prostor prost\u0159ednictv\u00edm hypote\u010dn\u00edho \u00fav\u011bru je tedy slo\u017eit\u011bj\u0161\u00ed, nicm\u00e9n\u011b zdaleka ne vylou\u010den\u00fd. V r\u016fzn\u00fdch situac\u00edch ale mus\u00edte s\u00e1hnout po r\u016fzn\u00fdch \u0159e\u0161en\u00edch. A tady m\u00e1me zm\u00edn\u011bn\u00e9 situace podle toho, co s nebytov\u00fdm prostorem pl\u00e1nujete: Hypot\u00e9ka na nebytov\u00fd prostor pro podnik\u00e1n\u00ed Na n\u00e1kup bytov\u00e9ho i nebytov\u00e9ho prostoru, kter\u00fd m\u00e1 slou\u017eit pro pron\u00e1jem nebo podnik\u00e1n\u00ed, m\u016f\u017eete vyu\u017e\u00edt podnikatelskou neboli investi\u010dn\u00ed hypot\u00e9ku. M\u00e1 o n\u011bco vy\u0161\u0161\u00ed \u00farokovou sazbu, ne\u017e je tomu u klasick\u00e9 hypot\u00e9ky, nicm\u00e9n\u011b umo\u017en\u00ed v\u00e1m jin\u00e9 vyu\u017eit\u00ed prostor, ne\u017e je va\u0161e vlastn\u00ed bydlen\u00ed. V\u011bt\u0161inou ale mus\u00edte m\u00edt p\u0159ipraveno a\u017e 40 % vlastn\u00edch zdroj\u016f z v\u00fd\u0161e investi\u010dn\u00edho z\u00e1m\u011bru. Banky maj\u00ed tak\u00e9 stanoven\u00fd maxim\u00e1ln\u00ed limit pro v\u00fd\u0161i t\u00e9to hypot\u00e9ky. V\u00edc v\u00e1m porad\u00ed hypote\u010dn\u00ed specialist\u00e9 z FinGO. TIP: P\u0159e\u010dt\u011bte si o podm\u00ednk\u00e1ch pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky. Hypot\u00e9ka na gar\u00e1\u017e a podobn\u00e9 \u00fa\u010dely Pokud chcete nebytov\u00fd prostor pou\u017e\u00edvat pro jin\u00fd \u00fa\u010del, ne\u017e pro podnik\u00e1n\u00ed nebo vlastn\u00ed [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2380,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-639","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 v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hypot\u00e9ka na nebytov\u00fd prostor a jak ji z\u00edskat - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Zkoumali jsme pro v\u00e1s podm\u00ednky hypot\u00e9k na nebytov\u00fd prostor nap\u0159\u00ed\u010d \u010desk\u00fdmi bankami. 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