[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ivbp.cz\/zmeny-v-oblasti-hypotecnich-uveru-prinesly-nemale-omezeni\/#Article","mainEntityOfPage":"https:\/\/www.ivbp.cz\/zmeny-v-oblasti-hypotecnich-uveru-prinesly-nemale-omezeni\/","headline":"Zm\u011bny v oblasti hypot\u00e9\u010dn\u00edch \u00fav\u011br\u016f p\u0159inesly nemal\u00e9 omezen\u00ed","name":"Zm\u011bny v oblasti hypot\u00e9\u010dn\u00edch \u00fav\u011br\u016f p\u0159inesly nemal\u00e9 omezen\u00ed","description":"Bydlen\u00ed je snad nejv\u011bt\u0161\u00ed pot\u0159ebou \u010dlov\u011bka, tedy pokud k tomu p\u0159id\u00e1me je\u0161t\u011b j\u00eddlo, pit\u00ed a dal\u0161\u00ed pot\u0159ebn\u00e9 n\u00e1le\u017eitosti. Ale mo\u017enost vlastn\u00edho osobn\u00edho bydlen\u00ed d\u00e1v\u00e1 tak n\u011bjak pocit jistoty, volnosti, svobody a tak\u00e9 dokonal\u00e9 souhry s p\u0159\u00edrodou, pokud je zde je\u0161t\u011b pozemek alespo\u0148 na malou zahr\u00e1dku. Je sice pravdou, \u017ee touha a sny jsou hnac\u00edm motorem, … Continue reading Zm\u011bny v oblasti hypot\u00e9\u010dn\u00edch \u00fav\u011br\u016f p\u0159inesly nemal\u00e9 omezen\u00ed<\/span> →<\/span><\/a>","datePublished":"2018-12-15","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.ivbp.cz\/author\/#Person","name":"ivbp.cz\n","url":"https:\/\/www.ivbp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ivbp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/img_a333142_w2600_t1546434969.jpg","url":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/img_a333142_w2600_t1546434969.jpg","height":0,"width":0},"url":"https:\/\/www.ivbp.cz\/zmeny-v-oblasti-hypotecnich-uveru-prinesly-nemale-omezeni\/","about":["Domov"],"wordCount":461,"articleBody":" Bydlen\u00ed je snad nejv\u011bt\u0161\u00ed pot\u0159ebou \u010dlov\u011bka, tedy pokud k tomu p\u0159id\u00e1me je\u0161t\u011b j\u00eddlo, pit\u00ed a dal\u0161\u00ed pot\u0159ebn\u00e9 n\u00e1le\u017eitosti. Ale mo\u017enost vlastn\u00edho osobn\u00edho bydlen\u00ed d\u00e1v\u00e1 tak n\u011bjak pocit jistoty, volnosti, svobody a tak\u00e9 dokonal\u00e9 souhry s p\u0159\u00edrodou, pokud je zde je\u0161t\u011b pozemek alespo\u0148 na malou zahr\u00e1dku. Je sice pravdou, \u017ee touha a sny jsou hnac\u00edm motorem, ov\u0161em jak to ud\u011blat, aby se staly realitou. P\u0159ed des\u00edtkami let bylo skute\u010dn\u011b velmi jednoduch\u00e9 z\u00edskat hypot\u00e9\u010dn\u00ed \u00fav\u011br a pustit se do v\u00fdstavby, p\u0159estavby nebo samotn\u00e9 koup\u011b. Jenom\u017ee to se zm\u011bnilo. Mo\u017en\u00e1 i d\u00edky tomu, \u017ee se lid\u00e9 dost\u00e1vali do probl\u00e9m\u016f se spl\u00e1cen\u00edm a vznikaly tak velk\u00e9 probl\u00e9my jak s nemovitost\u00ed, tak s platbou. Mo\u017en\u00e1 za t\u00edm st\u00e1ly velmi n\u00edzk\u00e9 \u00faroky a tak\u00e9 m\u00e9n\u011b posuzov\u00e1n\u00ed a dokl\u00e1d\u00e1n\u00ed v\u0161ech mo\u017en\u00fdch dokumentac\u00ed. V dne\u0161n\u00ed dob\u011b se k nim p\u0159id\u00e1v\u00e1 je\u0161t\u011b kontrola v registru dlu\u017en\u00edk\u016f, tud\u00ed\u017e posouzen\u00ed bonity klienta, dostate\u010dn\u00e1 v\u00fd\u0161e platu a pozor po novu i na\u0161et\u0159en\u00fdch 10 -20 % finan\u010dn\u00edho obnosu. Z\u00e1le\u017e\u00ed na stanov\u00e1ch banky. Hlavn\u011b je to tak\u00e9 z toho d\u016fvodu, \u017ee se ji\u017e nep\u016fj\u010duje pln\u00e1 v\u00fd\u0161e, ale pouh\u00fdch 80 – 90 %. M\u016f\u017ee to znamenat konec, ne\u017e nastal v\u016fbec za\u010d\u00e1tek? \u00dav\u011br na bydlen\u00ed se d\u00e1 z\u00edskat i jinak Pokud se obr\u00e1t\u00edme na banku a ta n\u00e1m nevyjde p\u0159i sv\u00e9m posuzov\u00e1n\u00ed vst\u0159\u00edc, tak nemus\u00edme hned balit sv\u016fj sen a truchlit, \u017ee budeme bydlet do\u017eivotn\u011b v pron\u00e1jmu. P\u0159itom, kdyby si to n\u011bkdo spo\u010d\u00edtal, tak tak\u00e9 jsme nuceni m\u011bs\u00edc co m\u011bs\u00edc platit a to pobodnou \u010d\u00e1stku. M\u00edsto lamentov\u00e1n\u00ed nad ne\u00fasp\u011bchem, je t\u0159eba vyzkou\u0161et je\u0161t\u011b n\u011bco jin\u00e9ho. Koup\u011b nemovitosti do osobn\u00edho vlastnictv\u00ed prost\u0159ednictv\u00edm nebankovn\u00ed hypot\u00e9ky by mohla rozlousknout na\u0161i danou situaci. Nen\u00ed t\u0159eba se ob\u00e1vat podvodn\u00fdch man\u00e9vr\u016f, jeliko\u017e ne v\u0161e co je nebankovn\u00ed, je \u0161patn\u00e9. Sp\u00ed\u0161 naopak se posledn\u00ed dobou st\u00e1vaj\u00ed tyto \u00fav\u011bry \u017e\u00e1dan\u011bj\u0161\u00ed a to d\u00edky dostupnosti klient\u016fm. Tak\u00e9 samotn\u00e9 vy\u0159\u00edzen\u00ed je \u00fapln\u011b jin\u00e1 poh\u00e1dka, ne\u017e realita v bance. M\u00edrn\u011bj\u0161\u00ed posuzov\u00e1n\u00ed, poradenstv\u00ed a rychlost vy\u0159\u00edzen\u00ed je pouh\u00fdm zlomkem toho, \u010deho se zde m\u016f\u017eeme do\u010dkat. Pro\u010d tud\u00ed\u017e tyto slu\u017eby nevyu\u017e\u00edt, kdy\u017e n\u00e1m nab\u00edz\u00ed pomocnou ruku ke spln\u011bn\u00ed sv\u00fdch sn\u016f nebo pot\u0159eb. 4.5\/5 - (13 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zm\u011bny v oblasti hypot\u00e9\u010dn\u00edch \u00fav\u011br\u016f p\u0159inesly nemal\u00e9 omezen\u00ed","item":"https:\/\/www.ivbp.cz\/zmeny-v-oblasti-hypotecnich-uveru-prinesly-nemale-omezeni\/#breadcrumbitem"}]}]