[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stavir.cz\/podminky-k-zisku-uveru\/#Article","mainEntityOfPage":"https:\/\/www.stavir.cz\/podminky-k-zisku-uveru\/","headline":"Podm\u00ednky k zisku \u00fav\u011bru","name":"Podm\u00ednky k zisku \u00fav\u011bru","description":"Cel\u00fd proces k cest\u011b za pen\u011bzi jako by byl schv\u00e1ln\u011b co nejslo\u017eit\u011bj\u0161\u00ed. A kdy\u017e u\u017e si mysl\u00edte, \u017ee to m\u00e1te v mal\u00ed\u010dku, banka nebo spo\u0159itelna v\u00e1m p\u0159edaj\u00ed listiny pln\u00e9 ciz\u00edch slov, procent a v\u00fdstra\u017en\u011b podtr\u017een\u00fdch dat.   Pokud jste se pr\u00e1v\u011b rozhodli,... ","datePublished":"2016-11-12","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.stavir.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.stavir.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stavir.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stavir.cz\/wp-content\/uploads\/img_a278621_w4460_t1602477115.jpg","url":"https:\/\/www.stavir.cz\/wp-content\/uploads\/img_a278621_w4460_t1602477115.jpg","height":0,"width":0},"url":"https:\/\/www.stavir.cz\/podminky-k-zisku-uveru\/","about":["Pen\u00edze"],"wordCount":428,"articleBody":"Cel\u00fd proces k cest\u011b za pen\u011bzi jako by byl schv\u00e1ln\u011b co nejslo\u017eit\u011bj\u0161\u00ed. A kdy\u017e u\u017e si mysl\u00edte, \u017ee to m\u00e1te v mal\u00ed\u010dku, banka nebo spo\u0159itelna v\u00e1m p\u0159edaj\u00ed listiny pln\u00e9 ciz\u00edch slov, procent a v\u00fdstra\u017en\u011b podtr\u017een\u00fdch dat. Pokud jste se pr\u00e1v\u011b rozhodli, \u017ee si po\u0159\u00edd\u00edte bydlen\u00ed, a\u0165 u\u017e sami nebo s rodinou, nejsp\u00ed\u0161 se budete rozhodovat, jak cel\u00fd projekt financovat. A a\u0165 u\u017e se rozhodnete pro stavebn\u00ed spo\u0159en\u00ed a n\u00e1sledn\u00fd \u0159\u00e1dn\u00fd \u00fav\u011br u spo\u0159itelny, nebo pro hypote\u010dn\u00ed \u00fav\u011br \u010di pro p\u016fj\u010dku na bydlen\u00ed, budete \u0159e\u0161it hlavn\u011b zp\u016fsob financov\u00e1n\u00ed, co\u017e se rovn\u00e1 kompromisu mezi v\u011b\u0159itelem a v\u00e1mi jako potenci\u00e1ln\u00edm dlu\u017en\u00edkem. A a\u017e si vyberete, co je pro v\u00e1s nejlep\u0161\u00ed, budete \u0159e\u0161it t\u0159i hlavn\u00ed probl\u00e9my. Jak\u00e9? To se dozv\u00edte n\u00ed\u017ee.Ru\u010den\u00ed Stavebn\u00ed ru\u0161en\u00ed nab\u00edz\u00ed n\u011bkolik forem, kter\u00fdmi je mo\u017en\u00e9 se zaru\u010dit za po\u0159izov\u00e1n\u00ed nemovitosti, zat\u00edmco hypot\u00e9ka je sama zaji\u0161t\u011bna t\u00edm, \u017ee si n\u00e1rokuje pr\u00e1vo k nemovitosti, kterou j\u00ed kupujete. Z definice to tedy znamen\u00e1, \u017ee hypot\u00e9ku mus\u00edte zaru\u010dit nemovitost\u00ed, jej\u00ed\u017e hodnota odpov\u00edd\u00e1 pln\u00e9 \u010d\u00e1stce finan\u010dn\u00edho obnosu, jej\u017e jste si p\u016fj\u010dili. Stavebn\u00ed spo\u0159en\u00ed funguje na jin\u00e9 b\u00e1zi. M\u016f\u017eete u n\u00ed ru\u010dit ru\u010diteli, tedy lidmi, kte\u0159\u00ed se zaru\u010d\u00ed za klienta a jeho spl\u00e1cen\u00ed, zastaven\u00edm vlastnictv\u00ed nebo finan\u010dn\u00edch pohled\u00e1vek. \u010c\u00e1stka odhadu nemovitosti, kter\u00e1 pokryje n\u00e1klady \u00fav\u011bru, je v\u011bt\u0161inou 80%. Mo\u017enosti ru\u010den\u00ed se ale odv\u00edjej\u00ed od v\u00fd\u0161e sumy c\u00edlov\u00e9 \u010d\u00e1stky.Bonita Pod t\u00edmto slovem se skr\u00fdv\u00e1 p\u0159\u00edjem potenci\u00e1ln\u00edho dlu\u017en\u00edka, respektive je-li jeho p\u0159\u00edjem dostate\u010dn\u00fd na to, aby mu byl otev\u0159en \u00fav\u011br s odpov\u00eddaj\u00edc\u00ed dlu\u017enou \u010d\u00e1stkou. Potenci\u00e1ln\u00ed klient mus\u00ed pomoc\u00ed v\u00fdpis\u016f z v\u00fdplatn\u00edch p\u00e1sek \u010di jin\u00fdch zdroj\u016f prok\u00e1zat, \u017ee jsou schopni splatit dluh a z\u00e1rove\u0148 jim z\u016fstane m\u011bs\u00ed\u010dn\u011b dostate\u010dn\u00fd finan\u010dn\u00ed obnos na v\u00fddaje na \u017eivobyt\u00ed, stanoven\u00e9 v z\u00e1kon\u011b jako \u017eivotn\u00ed minimum.Prok\u00e1z\u00e1n\u00ed \u00fa\u010delu Stavebn\u00ed spo\u0159itelna vy\u017eaduje d\u016fkaz, tedy nap\u0159\u00edklad \u00fa\u010dtenku nebo kupn\u00ed smlouvu, \u017ee \u00fa\u010delov\u00fd \u00fav\u011br byl pou\u017eit na zjednanou v\u011bc \u010di nemovitost.                                                                                                                                                                                                                                                                                                                                                                                         3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky k zisku \u00fav\u011bru","item":"https:\/\/www.stavir.cz\/podminky-k-zisku-uveru\/#breadcrumbitem"}]}]