{"id":5567,"date":"2024-11-06T12:52:34","date_gmt":"2024-11-06T11:52:34","guid":{"rendered":"https:\/\/legacy.banksandsaving.com\/?p=5356"},"modified":"2024-11-12T12:22:39","modified_gmt":"2024-11-12T11:22:39","slug":"6-tipu-jak-porovnat-hypoteky-a-usetrit-spoustu-penez","status":"publish","type":"post","link":"https:\/\/www.banksandsaving.com\/cs\/6-tipu-jak-porovnat-hypoteky-a-usetrit-spoustu-penez\/","title":{"rendered":"6 tip\u016f, jak porovnat hypot\u00e9ky a u\u0161et\u0159it spoustu pen\u011bz"},"content":{"rendered":"

P\u0159i popt\u00e1vce po typech hypot\u00e9k nebo\u00a0<\/span>osobn\u00edch p\u016fj\u010dek<\/span>\u00a0je vhodn\u00e9 velmi pe\u010dliv\u011b prostudovat podm\u00ednky, kter\u00e9 n\u00e1m nab\u00edzej\u00ed. Drobn\u00e9\u00a0<\/span>p\u00edsmo<\/span><\/i>\u00a0by mohlo znamenat rozd\u00edl mezi dobr\u00fdm obchodem a obchodem, kter\u00fd n\u00e1m nevyhovuje.<\/span><\/p>\n

Bankovn\u00edch a finan\u010dn\u00edch subjekt\u016f s tolika nab\u00eddkami je tolik, \u017ee nen\u00ed v\u017edy snadn\u00e9 vybrat tu nejlep\u0161\u00ed nab\u00eddku.<\/span><\/p>\n

V tomto \u010dl\u00e1nku jsme pro v\u00e1s p\u0159ipravili seznam tip\u016f, abyste si mohli vybrat ty\u00a0<\/span>nejlep\u0161\u00ed hypot\u00e9ky\u00a0<\/span><\/b>\u00a0s podm\u00ednkami, kter\u00e9 se vyplat\u00ed.<\/span><\/p>\n<\/picture>\n\"Hypot\u00e9ky\"<\/picture>\n

<\/div>\n

<\/h2>\n

D\u016fle\u017eit\u00e9 triky pro v\u00fdb\u011br nejlep\u0161\u00ed hypot\u00e9ky<\/span><\/b><\/span><\/h2>\n

1. Zkontrolujte ro\u010dn\u00ed \u00farokovou sazbu<\/span><\/b><\/span><\/h3>\n

Ro\u010dn\u00ed\u00a0<\/span>\u00farok\u00a0<\/span><\/b>spojen\u00fd s va\u0161\u00ed p\u016fj\u010dkou je ukazatelem, kter\u00fd v\u00e1m d\u00e1v\u00e1 informaci o tom, zda jste si vybrali levnou hypot\u00e9ku nebo takovou, kter\u00e1 v\u00e1m nevyhovuje. Jednoduch\u00fd rozd\u00edl mezi\u00a0<\/span>2 %\u00a0<\/span><\/b>a\u00a0<\/span>2,5 %\u00a0<\/span><\/b>je zna\u010dn\u00fd.<\/span><\/p>\n

P\u0159edstavte si, \u017ee jste po\u017e\u00e1dali o hypot\u00e9ku ve v\u00fd\u0161i\u00a0<\/span>224 000 EUR\u00a0<\/span><\/b>.<\/span><\/p>\n

    \n
  • S ro\u010dn\u00edm \u00farokem\u00a0<\/span>2 %\u00a0<\/span><\/b>byste nakonec zaplatili\u00a0<\/span>101 400 EUR\u00a0<\/span><\/b>pouze na\u00a0<\/span>\u00faroc\u00edch\u00a0<\/span><\/b>.<\/span><\/li>\n
  • S \u00farokem\u00a0<\/span>2,5 %\u00a0<\/span><\/b>byste na \u00faroc\u00edch zaplatili\u00a0<\/span>130 720 EUR\u00a0<\/span><\/b>.<\/span><\/li>\n<\/ul>\n

    To znamen\u00e1, \u017ee byste zaplatili rozd\u00edl\u00a0<\/span>30 000 e\u00a0<\/span><\/b>za rozd\u00edl\u00a0<\/span>0,5 %\u00a0<\/span><\/b>ro\u010dn\u00edho \u00faroku.<\/span><\/p>\n

    Nejlep\u0161\u00ed zp\u016fsob\u00a0<\/span>je z\u00edskat dobr\u00fd ro\u010dn\u00ed \u00farok.<\/span><\/p>\n

     <\/p>\n

    2. Zkra\u0165te dobu amortizace<\/span><\/b><\/span><\/h3>\n

    \u010c\u00edm d\u00e9le hypot\u00e9ka trv\u00e1, t\u00edm v\u00edce budete muset zaplatit na \u00faroc\u00edch. Je to jeden z kl\u00ed\u010dov\u00fdch tip\u016f , kter\u00fd v\u00e1m pom\u016f\u017ee\u00a0<\/span>skute\u010dn\u011b\u00a0<\/span>u\u0161et\u0159it .<\/span><\/p>\n

    Odborn\u00edci doporu\u010duj\u00ed nep\u0159ij\u00edmat hypot\u00e9ku na\u00a0<\/span>v\u00edce ne\u017e 15 let\u00a0<\/span><\/b>, i kdy\u017e by bylo zaj\u00edmav\u00e9 naj\u00edt hypot\u00e9ku pouze na\u00a0<\/span>10 let\u00a0<\/span><\/b>.<\/span><\/p>\n

    Doba spl\u00e1cen\u00ed je tak d\u016fle\u017eit\u00e1, \u017ee \u0161patn\u00e9 pl\u00e1nov\u00e1n\u00ed by mohlo v\u00e9st k tomu, \u017ee zaplat\u00edte za sv\u016fj d\u016fm dvojn\u00e1sobek kupn\u00ed ceny.<\/span><\/p>\n

    Tak\u00e9 budeme muset b\u00fdt realist\u00e9: vyberte si bydlen\u00ed, kter\u00e9 je ve va\u0161ich mo\u017enostech a budete ho schopni bez probl\u00e9m\u016f zaplatit.<\/span><\/p>\n

     <\/p>\n

    3. Zohledn\u011bte provize<\/span><\/b><\/span><\/h3>\n

    Mnoho bankovn\u00edch subjekt\u016f spou\u0161t\u00ed akce, kter\u00e9 indikuj\u00ed, \u017ee maj\u00ed nejlep\u0161\u00ed podm\u00ednky na trhu. V z\u00e1vislosti na\u00a0<\/span>proviz\u00edch\u00a0<\/span><\/b>, kter\u00e9 maj\u00ed, to v\u0161ak m\u016f\u017ee, ale nemus\u00ed b\u00fdt pravda. Toto jsou n\u011bkter\u00e9 z proviz\u00ed, kter\u00e9 jsou zahrnuty:<\/span><\/p>\n

      \n
    • Provize za otev\u0159en\u00ed a studium:\u00a0<\/span><\/b>uplat\u0148uje se p\u0159i sjedn\u00e1n\u00ed \u00fav\u011bru a pohybuje se mezi 0,5\u00a0<\/span>%\u00a0<\/span><\/b>a\u00a0<\/span>1 %\u00a0<\/span><\/b>.<\/span><\/li>\n
    • Subroga\u010dn\u00ed provize:\u00a0<\/span><\/b>tato provize bude platit pouze v p\u0159\u00edpad\u011b, \u017ee se rozhodneme zm\u011bnit bankovn\u00ed hypot\u00e9ku. Hodnota se m\u016f\u017ee li\u0161it v z\u00e1vislosti na ka\u017ed\u00e9 bance a podm\u00ednk\u00e1ch ka\u017ed\u00e9 hypot\u00e9ky.<\/span><\/li>\n
    • Poplatek za v\u00fdb\u011br (celkov\u00fd nebo \u010d\u00e1ste\u010dn\u00fd):\u00a0<\/span><\/b>tak\u00e9 naz\u00fdvan\u00fd\u00a0<\/span>poplatek za zru\u0161en\u00ed hypot\u00e9ky\u00a0<\/span><\/b>. Jak stanov\u00ed z\u00e1kon, nesm\u00ed b\u00fdt\u00a0<\/span>b\u011bhem prvn\u00edch 5 let vy\u0161\u0161\u00ed ne\u017e\u00a0<\/span>0,5 % a v dal\u0161\u00edch letech\u00a0<\/span><\/b>0,25 %\u00a0<\/b>.<\/span><\/b><\/li>\n<\/ul>\n

       <\/p>\n

      4. Fixn\u00ed nebo variabiln\u00ed hypot\u00e9ka?<\/span><\/b><\/span><\/h3>\n

      P\u0159i \u017e\u00e1dosti o hypot\u00e9ku existuje n\u011bkolik modalit, nejb\u011b\u017en\u011bj\u0161\u00ed jsou\u00a0<\/span>fixn\u00ed nebo variabiln\u00ed\u00a0<\/span><\/b>.<\/span><\/p>\n

        \n
      • Fixn\u00ed hypot\u00e9ky:\u00a0<\/span><\/b>Vyzna\u010duj\u00ed se stejnou \u00farokovou sazbou po dobu trv\u00e1n\u00ed \u00fav\u011bru. Je to dobr\u00e1 volba pro ty, kte\u0159\u00ed cht\u011bj\u00ed m\u00edt klid a m\u00edt v\u017edy pod kontrolou, co plat\u00ed. Poplatky nebudou klesat ani stoupat.<\/span><\/li>\n
      • Variabiln\u00ed hypot\u00e9ky:\u00a0<\/span><\/b>jak ji\u017e samotn\u00fd n\u00e1zev napov\u00edd\u00e1, variabiln\u00ed hypot\u00e9ka zahrnuje p\u0159evzet\u00ed variabiln\u00edch spl\u00e1tek, kter\u00e9 jsou nav\u00e1z\u00e1ny na referen\u010dn\u00ed index (obecn\u011b\u00a0<\/span>Euribor\u00a0<\/span><\/b>). Krom\u011b toho bude k dispozici tak\u00e9 pevn\u00fd diferenci\u00e1l.<\/span><\/li>\n<\/ul>\n

        P\u0159esto\u017ee hypot\u00e9ky byly v\u017edy prom\u011bnn\u00e9, s n\u00e1r\u016fstem Euriboru v posledn\u00edch m\u011bs\u00edc\u00edch se situace zm\u011bnila. Ti, kte\u0159\u00ed si nakonec vzali fixn\u00ed hypot\u00e9ku, dok\u00e1zali\u00a0<\/span>u\u0161et\u0159it\u00a0<\/span><\/b>i p\u0159es zachov\u00e1n\u00ed stejn\u00e9 spl\u00e1tky.<\/span><\/p>\n

         <\/p>\n

        5. P\u0159idru\u017een\u00e9 produkty<\/span><\/b><\/span><\/h3>\n

        Jedn\u00edm z trik\u016f bank je nab\u00eddnout v\u00e1m \u00fadajn\u011b levn\u00e9 podm\u00ednky. Kdy\u017e v\u0161ak dojde k zatla\u010den\u00ed, mohou m\u00edt v\u0161echny druhy\u00a0<\/span>souvisej\u00edc\u00edch produkt\u016f\u00a0<\/span><\/b>, kter\u00e9 je prodra\u017euj\u00ed.<\/span><\/p>\n

        Nab\u00eddnou v\u00e1m je s c\u00edlem sn\u00ed\u017eit celkov\u00e9 n\u00e1klady na hypot\u00e9ku, ale mus\u00edte m\u00edt na pam\u011bti, \u017ee budou m\u00edt dal\u0161\u00ed v\u00fddaje.<\/span><\/p>\n

        Obecn\u011b se bav\u00edme o\u00a0<\/span>poji\u0161t\u011bn\u00ed\u00a0<\/span><\/b>, z nich\u017e nej\u010dast\u011bj\u0161\u00ed je\u00a0<\/span>poji\u0161t\u011bn\u00ed dom\u00e1cnosti, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed\u00a0<\/span><\/b>a\u00a0<\/span>poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed\u00a0<\/span><\/b>.<\/span><\/p>\n

        Vy\u017e\u00e1dejte si podm\u00ednky ka\u017ed\u00e9ho z t\u011bchto produkt\u016f a poznejte jejich podm\u00ednky, jako jsou n\u00e1klady, provize nebo co v\u00e1m vlastn\u011b d\u00e1vaj\u00ed.<\/span><\/p>\n<\/picture>\n\"Hypot\u00e9ky\"<\/picture>\n

        <\/h3>\n

        6. Neomezujte se na jedinou nab\u00eddku<\/span><\/b><\/span><\/h3>\n

        Hypot\u00e9ka je na mnoho let, tak\u017ee byste se nem\u011bli nechat zl\u00e1kat prvn\u00ed nab\u00eddkou, kterou najdete, nato\u017e si myslet\u00a0<\/span>,\u00a0<\/span><\/b>\u017ee jedin\u00e9, co existuje, je to, co nab\u00edz\u00ed va\u0161e banka.<\/span><\/p>\n

        Existuje mnoho nab\u00eddek\u00a0<\/span>, kter\u00e9 \u010dekaj\u00ed, a\u017e si je najmete.\u00a0<\/span>Krom\u011b toho m\u016f\u017eete jednat s bankou, ale mus\u00edte m\u00edt r\u016fzn\u00e9 mo\u017enosti.<\/span><\/p>\n

        M\u011bjte na pam\u011bti tyto tipy a uvid\u00edte, jak najdete\u00a0<\/span>hypot\u00e9ku<\/span>\u00a0, kter\u00e1 skute\u010dn\u011b vyhovuje va\u0161im pot\u0159eb\u00e1m.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

        P\u0159i popt\u00e1vce po typech hypot\u00e9k nebo\u00a0osobn\u00edch p\u016fj\u010dek\u00a0je vhodn\u00e9 velmi pe\u010dliv\u011b prostudovat podm\u00ednky, kter\u00e9 n\u00e1m nab\u00edzej\u00ed. Drobn\u00e9\u00a0p\u00edsmo\u00a0by mohlo znamenat rozd\u00edl mezi dobr\u00fdm obchodem a obchodem, kter\u00fd n\u00e1m nevyhovuje. Bankovn\u00edch a finan\u010dn\u00edch subjekt\u016f s tolika nab\u00eddkami je tolik, \u017ee nen\u00ed v\u017edy snadn\u00e9 vybrat tu nejlep\u0161\u00ed nab\u00eddku. V tomto \u010dl\u00e1nku jsme pro v\u00e1s p\u0159ipravili seznam tip\u016f, abyste si […]<\/p>\n","protected":false},"author":5,"featured_media":6097,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[65,62],"tags":[],"class_list":["post-5567","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","category-uspory"],"_links":{"self":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5567","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/comments?post=5567"}],"version-history":[{"count":1,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5567\/revisions"}],"predecessor-version":[{"id":6319,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5567\/revisions\/6319"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/media\/6097"}],"wp:attachment":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/media?parent=5567"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/categories?post=5567"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/tags?post=5567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}