[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.palstav.cz\/financni-problemy-by-mohla-vyresit-100-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.palstav.cz\/financni-problemy-by-mohla-vyresit-100-hypoteka\/","headline":"Finan\u010dn\u00ed probl\u00e9my by mohla vy\u0159e\u0161it 100% hypot\u00e9ka","name":"Finan\u010dn\u00ed probl\u00e9my by mohla vy\u0159e\u0161it 100% hypot\u00e9ka","description":"Mnohdy jsou skute\u010dn\u011b dny, kter\u00e9 bychom nejrad\u011bji vymazali ze sv\u00e9ho \u017eivota. Je v podstat\u011b jedno, zdali za t\u00edm stoj\u00ed nedorozum\u011bn\u00ed, nemoc, \u00faraz, finan\u010dn\u00ed krize nebo p\u0159\u00edpadn\u011b n\u011bco je\u0161t\u011b hor\u0161\u00edho. Tak\u00e9 situace n\u00e1s mohou dostat do velk\u00fdch probl\u00e9m\u016f a mnohdy t\u011b\u017eko hled\u00e1me pomocnou ruku. Dokonce se t\u00fdk\u00e1 i b\u011b\u017en\u00fdch z\u00e1le\u017eitost\u00ed jako","datePublished":"2018-11-18","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.palstav.cz\/author\/#Person","name":"","url":"https:\/\/www.palstav.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"palstav.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.palstav.cz\/wp-content\/uploads\/img_a331176_w1747_t1543515736.jpg","url":"https:\/\/www.palstav.cz\/wp-content\/uploads\/img_a331176_w1747_t1543515736.jpg","height":0,"width":0},"url":"https:\/\/www.palstav.cz\/financni-problemy-by-mohla-vyresit-100-hypoteka\/","about":["Pen\u00edze"],"wordCount":485,"articleBody":"       Mnohdy jsou skute\u010dn\u011b dny, kter\u00e9 bychom nejrad\u011bji vymazali ze sv\u00e9ho \u017eivota. Je v podstat\u011b jedno, zdali za t\u00edm stoj\u00ed nedorozum\u011bn\u00ed, nemoc, \u00faraz, finan\u010dn\u00ed krize nebo p\u0159\u00edpadn\u011b n\u011bco je\u0161t\u011b hor\u0161\u00edho. Tak\u00e9 situace n\u00e1s mohou dostat do velk\u00fdch probl\u00e9m\u016f a mnohdy t\u011b\u017eko hled\u00e1me pomocnou ruku. Dokonce se t\u00fdk\u00e1 i b\u011b\u017en\u00fdch z\u00e1le\u017eitost\u00ed jako je vlastn\u00ed bydlen\u00ed. Sta\u010d\u00ed, kdy\u017e se mus\u00edme vyst\u011bhovat z podn\u00e1jmu, proto\u017ee majitel bytu si to tak p\u0159eje. Dal\u0161\u00ed podn\u00e1jem se nem\u016f\u017ee sehnat. \u0158e\u0161en\u00edm by byla koup\u011b vlastn\u00ed nemovitosti, ale zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek na po\u017eadovan\u00fd finan\u010dn\u00ed obnos je snad nemo\u017en\u00e9 z\u00edskat. To je vskutku jednoduch\u00e9. D\u0159\u00edve byly \u00fav\u011bry dostupn\u00e9 velmi snadno a dokonce v pln\u00e9 v\u00fd\u0161i po\u017eadovan\u00e9 \u010d\u00e1stky. B\u011bhem dvou let se ale hodn\u011b zm\u011bnilo.2016 \u2013 \u010cesk\u00e1 n\u00e1rodn\u00ed banka p\u0159ich\u00e1z\u00ed s na\u0159\u00edzen\u00edm \u2013 v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b se nebude poskytovat 100% hypot\u00e9ka. Banky mohou nab\u00edzet pouze LTV (loan to value) – 95%. 2017 \u2013 \u010cNB op\u011bt p\u0159itvrzuje a to na LTV maxim\u00e1ln\u011b v hodnot\u011b 90%.2018 \u2013 dal\u0161\u00ed na\u0159\u00edzen\u00ed p\u0159ich\u00e1z\u00ed v podob\u011b DTI (Dept-to-income) 9 a DSTI (Debt-servise-to-income) 45%. – DTI je pom\u011br mezi v\u00fd\u0161\u00ed hypot\u00e9ky a ro\u010dn\u00edm p\u0159\u00edjmem klienta. Bohu\u017eel se zde nepo\u010d\u00edt\u00e1 pouze hypot\u00e9ka, ale tak\u00e9 ve\u0161ker\u00e9 ostatn\u00ed dluhy, kter\u00e9 m\u00e1 \u010dlov\u011bk uzav\u0159en\u00e9. Tady je mnohdy zakopan\u00fd probl\u00e9m, pro\u010d se klienti banky nedostanou d\u00e1l. \u010cist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem se pak vyn\u00e1sob\u00ed 12 a je\u0161t\u011b koeficientem 9. To ale nen\u00ed je\u0161t\u011b kone\u010dn\u00e1. Posuzuje se bonita, z\u00e1znamy v registru atd. – DSTI je pom\u011br mezi v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek hypot\u00e9ky a \u010dist\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem. Tud\u00ed\u017e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka nesm\u00ed p\u0159es\u00e1hnout 45% m\u011bs\u00ed\u010dn\u00edho \u010dist\u00e9ho zisku. Je jednodu\u0161\u0161\u00ed cesta Samoz\u0159ejm\u011b, \u017ee ka\u017ed\u00fd se nejprve vyd\u00e1 do sv\u00e9 banky, ne\u017e za\u010dne v\u016fbec hledat jin\u00e9 mo\u017enosti. P\u0159esto ty nejjednodu\u0161\u0161\u00ed cesty m\u00e1me p\u0159ed sebou, jen je nevid\u00edme. Nebankovn\u00ed spole\u010dnost, m\u00e1 skute\u010dn\u00e9 a rychl\u00e9 \u0159e\u0161en\u00ed pro sv\u00e9 klienty. Cesta z\u00edskat to, co pot\u0159ebujeme, nen\u00ed tak slo\u017eit\u00e1, dokonce ani nemus\u00edme vyu\u017e\u00edt hypot\u00e9ku na stavbu domu nebo koupi bytu, ale je mo\u017en\u00e9 si zaplatit v\u011bci, kter\u00e9 t\u00ed\u017e\u00ed nebo kter\u00e9 se na n\u00e1s nahrnuly pod n\u011bjakou t\u00edhou \u017eivotn\u00edho b\u011bhu. Ani posouzen\u00ed a \u0159e\u0161en\u00ed netrv\u00e1 dlouhou dobu, Sp\u00ed\u0161 naopak, kde my \u0159e\u0161en\u00ed ji\u017e nevid\u00edme, tak specialist\u00e9 si s t\u00edm snadno porad\u00ed a p\u0159iprav\u00ed pro n\u00e1s p\u0159esn\u011b takov\u00fd \u00fav\u011br, jak\u00fd bude pro n\u00e1s snesiteln\u00fd a vysvobozuj\u00edc\u00ed. A to za zkou\u0161ku p\u0159ece stoj\u00ed!                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed probl\u00e9my by mohla vy\u0159e\u0161it 100% hypot\u00e9ka","item":"https:\/\/www.palstav.cz\/financni-problemy-by-mohla-vyresit-100-hypoteka\/#breadcrumbitem"}]}]