[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rdaova.cz\/vhodna-doba-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.rdaova.cz\/vhodna-doba-na-hypoteku\/","headline":"Vhodn\u00e1 doba na hypot\u00e9ku","name":"Vhodn\u00e1 doba na hypot\u00e9ku","description":"Pokud je \u017eadateli maxim\u00e1ln\u011b 40 let, m\u00e1 stabiln\u00ed a dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem, spl\u00e1c\u00ed sv\u00e9 pohled\u00e1vky v\u010das a rozhodl se pro hypot\u00e9ku, m\u00e1 nejv\u011bt\u0161\u00ed \u0161anci na kladn\u00e9 vy\u0159\u00edzen\u00ed. Jak se v bance uk\u00e1zat v tom nejlep\u0161\u00edm sv\u011btle a jak\u00e9 jsou dal\u0161\u00ed faktory pro z\u00edsk\u00e1n\u00ed toho nejv\u00fdhodn\u011bj\u0161\u00edho hypote\u010dn\u00edho \u00fav\u011bru v sou\u010dasn\u00e9 dob\u011b? O hypot\u00e9ce m\u00e1 smysl uva\u017eovat […]","datePublished":"2021-02-22","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.rdaova.cz\/author\/#Person","name":"","url":"https:\/\/www.rdaova.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rdaova.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rdaova.cz\/wp-content\/uploads\/mlad%C3%BD%20podnikatel.jpg","url":"https:\/\/www.rdaova.cz\/wp-content\/uploads\/mlad%C3%BD%20podnikatel.jpg","height":0,"width":0},"url":"https:\/\/www.rdaova.cz\/vhodna-doba-na-hypoteku\/","about":["Pen\u00edze"],"wordCount":423,"articleBody":"       Pokud je \u017eadateli maxim\u00e1ln\u011b 40 let, m\u00e1 stabiln\u00ed a dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem, spl\u00e1c\u00ed sv\u00e9 pohled\u00e1vky v\u010das a rozhodl se pro hypot\u00e9ku, m\u00e1 nejv\u011bt\u0161\u00ed \u0161anci na kladn\u00e9 vy\u0159\u00edzen\u00ed. Jak se v bance uk\u00e1zat v tom nejlep\u0161\u00edm sv\u011btle a jak\u00e9 jsou dal\u0161\u00ed faktory pro z\u00edsk\u00e1n\u00ed toho nejv\u00fdhodn\u011bj\u0161\u00edho hypote\u010dn\u00edho \u00fav\u011bru v sou\u010dasn\u00e9 dob\u011b? O hypot\u00e9ce m\u00e1 smysl uva\u017eovat do 40 letBanka ke ka\u017ed\u00e9 \u017e\u00e1dosti p\u0159istupuje individu\u00e1ln\u011b, zaj\u00edm\u00e1 j\u00ed p\u0159ev\u00e1\u017en\u011b bonita \u017eadatele, kterou ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f. Jedn\u00edm z nich je pr\u00e1v\u011b v\u011bk respondenta, ten nesm\u00ed b\u00fdt p\u0159\u00edli\u0161 n\u00edzk\u00fd, ale naopak ani vysok\u00fd. Ide\u00e1ln\u00ed v\u011bk pro sjedn\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru je kolem 30 let. V takov\u00e9m p\u0159\u00edpad\u011b se p\u0159edpokl\u00e1d\u00e1, \u017ee respondent u\u017e n\u011bjakou dobu vyd\u011bl\u00e1v\u00e1 a je proto pro banku jednodu\u0161\u0161\u00ed ud\u011blat si obr\u00e1zek o jeho m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjmech a celkov\u00e9 stabilit\u011b. Hypot\u00e9ka sjednan\u00e1 v ni\u017e\u0161\u00edm v\u011bku m\u00e1 tu v\u00fdhodu, \u017ee je mo\u017en\u00e9 j\u00ed spl\u00e1cet pom\u011brn\u011b dlouho, k \u010demu\u017e je samoz\u0159ejm\u011b uzp\u016fsobena i v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, kter\u00e1 v tomto p\u0159\u00edpad\u011b zat\u00ed\u017e\u00ed rodinn\u00fd rozpo\u010det co nejm\u00e9n\u011b. Banky si tak\u00e9 ur\u010duj\u00ed, do kdy je mo\u017en\u00e9 \u00fav\u011br spl\u00e1cet. \u010cNB v tomto p\u0159\u00edpad\u011b doporu\u010duje nejvy\u0161\u0161\u00ed v\u011bkovou hranici 65 let, je to v\u0161ak pouze doporu\u010den\u00ed, kter\u00e9 nen\u00ed pro v\u011bt\u0161inu bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed sm\u011brodatn\u00e9. Je tak vcelku b\u011b\u017en\u00e9 setkat se s v\u011bkovou hranic\u00ed i o n\u011bkolik let vy\u0161\u0161\u00ed. Obecn\u011b se v\u0161ak doporu\u010duje smlouvu o hypote\u010dn\u00edm \u00fav\u011bru sjednat nejpozd\u011bji ve 45 letech, aby bylo mo\u017en\u00e9 spl\u00e1cet hypot\u00e9ku alespo\u0148 20 let. V\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016fNem\u00e9n\u011b d\u016fle\u017eit\u00fdm ukazatel schopnosti spl\u00e1cet je pro banku v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f \u017eadatele nebo p\u0159\u00edpadn\u011b dal\u0161\u00edch spolu\u017eadatel\u016f. Banka se nav\u00edc nezaj\u00edm\u00e1 pouze o v\u00fd\u0161i pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, ale i o zdroj, ze kter\u00fdch pen\u00edze plynou. Drobn\u00ed \u017eivnostn\u00edci tak v tomto p\u0159\u00edpad\u011b mohou b\u00fdt v men\u0161\u00ed nev\u00fdhod\u011b oproti zam\u011bstnanc\u016fm. Osv\u010d hypot\u00e9ka je v\u0161ak \u00fav\u011brov\u00fd produkt, kter\u00fd c\u00edl\u00ed pr\u00e1v\u011b na n\u011b.                                                                                                                                                                                                                                                                                                                                                                                           3.8\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vhodn\u00e1 doba na hypot\u00e9ku","item":"https:\/\/www.rdaova.cz\/vhodna-doba-na-hypoteku\/#breadcrumbitem"}]}]