[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.souvisime.cz\/zase-zmena\/#Article","mainEntityOfPage":"https:\/\/www.souvisime.cz\/zase-zmena\/","headline":"Zase zm\u011bna","name":"Zase zm\u011bna","description":"Nemus\u00edme chodit zase a\u017e tak daleko. Zm\u011bna op\u011bt nastala v bankovnictv\u00ed, tedy p\u0159esn\u011bji v hypot\u00e9\u010dn\u00edch \u00fav\u011brech. Jedn\u00e1 se vlastn\u011b o \u00fav\u011bry, kter\u00e9 by mohly vy\u0159e\u0161it mnoh\u00e9 v oblasti...","datePublished":"2019-02-05","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.souvisime.cz\/author\/#Person","name":"souvisime.cz\n","url":"https:\/\/www.souvisime.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/620bc4870d0855d65ab5c3d8503d9020?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/620bc4870d0855d65ab5c3d8503d9020?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"souvisime.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.souvisime.cz\/wp-content\/uploads\/img_a340792_w1713_t1553680327.jpg","url":"https:\/\/www.souvisime.cz\/wp-content\/uploads\/img_a340792_w1713_t1553680327.jpg","height":0,"width":0},"url":"https:\/\/www.souvisime.cz\/zase-zmena\/","about":["Pen\u00edze"],"wordCount":442,"articleBody":"         Nemus\u00edme chodit zase a\u017e tak daleko. Zm\u011bna op\u011bt nastala v bankovnictv\u00ed, tedy p\u0159esn\u011bji v hypot\u00e9\u010dn\u00edch \u00fav\u011brech. Jedn\u00e1 se vlastn\u011b o \u00fav\u011bry, kter\u00e9 by mohly vy\u0159e\u0161it mnoh\u00e9 v oblasti s bydlen\u00edm pro mlad\u00e9 lidi. Jenom\u017ee jak je vid\u011bt, sp\u00ed\u0161 to vypad\u00e1, \u017ee za chv\u00edli budou zase jenom pro n\u011bkter\u00e9 \u017eadatele. A kdo v\u00ed, co nov\u00e9ho n\u00e1m banka p\u0159ichyst\u00e1. Doba, kdy se dala po\u0159\u00eddit 100% hypot\u00e9ka je dnes ji\u017e jako poh\u00e1dka. N\u00edzk\u00e9 \u00farokov\u00e9 sazby p\u0159il\u00e1kaly mnoho \u017eadatel\u016f a tak\u00e9 jim v podstat\u011b vy\u0161ly vst\u0159\u00edc. Jenom\u017ee pak postupn\u011b a z\u00e1ludn\u011b se za\u010dala m\u011bnit situace. Je pravdou, \u017ee za mnoh\u00e9 mohla i nezodpov\u011bdnost klient\u016f, \u017ee nespl\u00e1celi, tak jak bylo domluveno a mnohdy muselo doj\u00edt a\u017e k zabaven\u00ed nemovitosti. Nicm\u00e9n\u011b je\u0161t\u011b ned\u00e1vno se sen o vlastn\u00edm bydlen\u00ed v rodinn\u00e9m dome\u010dku nezd\u00e1l tak nedosa\u017eiteln\u00fd. \u010cNB od \u0159\u00edjna 2018 m\u00e1 nov\u00e1 pravidla Kdy\u017e se rozhodlo to, \u017ee banky p\u016fj\u010d\u00ed pouh\u00fdch 80% a dal\u0161\u00edch 20% mus\u00ed \u017eadatel prok\u00e1zat z vlastn\u00edch zdroj\u016f, tak mnoz\u00ed m\u011bli \u0159e\u0161en\u00ed na dosah ruky. Kdo toti\u017e m\u011bl stavebn\u00ed spo\u0159en\u00ed, tak to hrav\u011b dofinancoval. P\u0159\u00edpadn\u011b se hromadn\u011b uzav\u00edraly smlouvy. Jednalo se o takzvan\u00fd soub\u011bh \u00fav\u011br\u016f, kde hlavn\u00ed roli hr\u00e1la hypot\u00e9ka, a men\u0161\u00ed pod\u00edl byl dofinancov\u00e1n ze stavebn\u00edho \u00fav\u011bru. Jenom\u017ee pozor. Do\u0161lo k dal\u0161\u00edmu omezen\u00ed a mnoho \u017eadatel\u016f je\u0161t\u011b ani netu\u0161\u00ed, \u017ee je ji\u017e v platnosti. Tento soub\u011bh se ji\u017e nesm\u00ed praktikovat. Te\u010f je jen ot\u00e1zka, kde vz\u00edt chyb\u011bj\u00edc\u00ed pen\u00edze. Banky nahl\u00ed\u017e\u00ed do registr\u016f \u017d\u00e1dat o hypote\u010dn\u00ed \u00fav\u011br je vlastn\u011b b\u011bh na dlouhou tra\u0165. Nyn\u00ed ji\u017e v\u00edme, co v\u0161echno m\u016f\u017eeme a nem\u016f\u017eeme, a p\u0159esto se ocitneme hrav\u011b v pasti, ani netu\u0161\u00edme, jak se n\u00e1m to povedlo. Mus\u00edme dokl\u00e1dat potvrzen\u00ed o zam\u011bstn\u00e1n\u00ed, p\u0159\u00edjmu, o spo\u0159en\u00ed a kdo v\u00ed co je\u0161t\u011b. Banka se pod\u00edv\u00e1 do registr\u016f, a i kdy\u017e nejsme zaps\u00e1ni v registru dlu\u017en\u00edk\u016f, objev\u00ed se zde z\u00e1znam, z jak\u00fdch zdroj\u016f jsme \u010derpali. Tady neprojdeme jen skrze to, \u017ee jsme si vzali \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Je to jednoduch\u00e9, registr uk\u00e1\u017ee v\u0161echny na\u0161e p\u016fj\u010dky i \u00fav\u011bry, a kdy\u017e se v\u0161echno se\u010dte dohromady, je v podstat\u011b jasno. Inu uvid\u00edme, jak se bude situace vyv\u00edjet d\u00e1l.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zase zm\u011bna","item":"https:\/\/www.souvisime.cz\/zase-zmena\/#breadcrumbitem"}]}]