{"id":1250,"date":"2025-10-01T21:54:34","date_gmt":"2025-10-01T19:54:34","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=1250"},"modified":"2026-03-26T16:14:12","modified_gmt":"2026-03-26T15:14:12","slug":"jak-ziskat-lepsi-podminky-pro-hypotecni-uvery-a-uvery-se-zastavou","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=1250","title":{"rendered":"Jak z\u00edskat lep\u0161\u00ed podm\u00ednky pro hypote\u010dn\u00ed \u00fav\u011bry a \u00fav\u011bry se z\u00e1stavou"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">P\u016fj\u010dka se z\u00e1stavou nemovitosti je dlouhodob\u00fdm \u00fav\u011brem s&nbsp;n\u00edzkou \u00farokovou sazbou. Je v\u00fdborn\u00fdm pomocn\u00edkem p\u0159i \u0159e\u0161en\u00ed bytov\u00e9 situace nebo n\u00e1kupu investi\u010dn\u00ed nemovitosti. Pokud je \u017eadatel na proces dob\u0159e p\u0159ipraven, m\u016f\u017ee z\u00edskat atraktivn\u00ed \u00farok a v\u00fdhodn\u00e9 podm\u00ednky pro spl\u00e1cen\u00ed. V\u00edme, na co v\u011b\u0159itel\u00e9 sly\u0161\u00ed.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">N\u00e1kup nemovitosti na \u00fav\u011br<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dka se z\u00e1stavou nemovitosti je v\u00fdhodn\u00e1 pro v\u011b\u0159itele i dlu\u017en\u00edka. V\u011b\u0159itel z\u00edsk\u00e1v\u00e1 ru\u010den\u00ed za poskytnut\u00e9 pen\u011b\u017en\u00ed prost\u0159edky v&nbsp;podob\u011b aktiva, kter\u00e9 m\u016f\u017ee nab\u00eddnout na trhu. Dlu\u017en\u00edk m\u00e1 s&nbsp;ru\u010den\u00edm n\u00edzk\u00fd \u00farok, dlouhou lh\u016ftu splatnosti a vysok\u00fd \u00fav\u011brov\u00fd limit. P\u016fj\u010dky se z\u00e1stavou nemovitosti mohou m\u00edt splatnost v&nbsp;des\u00edtk\u00e1ch let, v\u011b\u0159itel si ponech\u00e1v\u00e1 z\u00e1stavu a\u017e do \u00fapln\u00e9ho splacen\u00ed. Ceny nemovitost\u00ed na trhu rostou, proto se n\u00e1kup nemovitosti zpravidla vyplat\u00ed i s&nbsp;dodate\u010dn\u00fdmi n\u00e1klady na \u00fav\u011brov\u00fd zdroj.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aby \u017eadatel z\u00edskal co nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, je t\u0159eba m\u00edt \u017e\u00e1dost o \u00fav\u011br dob\u0159e p\u0159ipravenou. Dal\u0161\u00edm po\u017eadavkem je vysok\u00e1 bonita a dostate\u010dn\u00e1 finan\u010dn\u00ed rezerva.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">P\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti o p\u016fj\u010dku<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u017e se v&nbsp;bance nebo u jin\u00e9ho v\u011b\u0159itele pod\u00e1 \u017e\u00e1dost o p\u016fj\u010dku je t\u0159eba podniknout n\u011bkolik krok\u016f. Je d\u016fle\u017eit\u00e9 zhodnotit vlastn\u00ed finan\u010dn\u00ed situaci a stanovit si limit pro n\u00e1kup nemovitosti. Od n\u011bj se odv\u00edj\u00ed v\u00fd\u0161e po\u017eadovan\u00fdch vlastn\u00edch prost\u0159edk\u016f, ty je t\u0159eba zajistit z&nbsp;\u00faspor. Obvykle to b\u00fdv\u00e1 20 % hodnoty nemovitosti. S&nbsp;\u00fasporami je t\u0159eba za\u010d\u00edt n\u011bkolik let p\u0159ed pl\u00e1novanou koup\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ipravte se na to, \u017ee finan\u010dn\u00ed instituce zkoumaj\u00ed p\u0159\u00edjem \u017eadatele, z\u00e1vazky, historii spl\u00e1cen\u00ed a celkovou bonitu. Cht\u011bj\u00ed m\u00edt jistotu, \u017ee \u00fav\u011br bude spl\u00e1cen a maj\u00ed z\u00e1jem na tom, aby byla navr\u017eena \u00fanosn\u00e1 v\u00fd\u0161e spl\u00e1tky. Sepi\u0161te seznam o p\u0159\u00edjmech a v\u00fddaj\u00edch, informace o dal\u0161\u00edch \u00fav\u011brech a pravideln\u011b hrazen\u00fdch z\u00e1vazc\u00edch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u011bt\u0161\u00ed \u0161anci na \u00fav\u011br s&nbsp;n\u00edzk\u00fdmi n\u00e1klady maj\u00ed \u017eadatel\u00e9 se stabiln\u00edm p\u0159\u00edjmem, smlouvou na dobu neur\u010ditou a s&nbsp;vysokou rezervou v&nbsp;podob\u011b vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f. Velk\u00fdm bonusem je dal\u0161\u00ed nemovitost ve vlastnictv\u00ed, kter\u00e1 m\u016f\u017ee b\u00fdt nab\u00eddnuta do z\u00e1stavy.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">V\u00fd\u0161e \u00fav\u011brov\u00e9ho limitu<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Pe\u010dliv\u011b zva\u017ete v\u00fdb\u011br nemovitosti, smlouvejte o kupn\u00ed cen\u011b, uva\u017eujte o n\u00e1kladech na rekonstrukci a vybaven\u00ed. Dodr\u017ete limit pro kupn\u00ed cenu, kterou jste si stanovili. Myslete na to, \u017ee \u00fav\u011br na 80 % hodnoty nemovitosti se neposkytuje podle kupn\u00ed ceny, ale podle odhadn\u00ed ceny. Tu stanov\u00ed odhadce v\u011b\u0159itele. Proto 20 % vlastn\u00edch prost\u0159edk\u016f p\u0159i nadsazen\u00e9 kupn\u00ed cen\u011b nemus\u00ed pro \u00fav\u011br sta\u010dit, jakmile odhadce ur\u010d\u00ed ni\u017e\u0161\u00ed cenu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dku se z\u00e1stavou nemovitosti m\u016f\u017eete vyu\u017e\u00edt tak\u00e9 na investi\u010dn\u00ed nemovitost, rekrea\u010dn\u00ed nemovitost, rekonstrukci nebo v\u00fdstavbu. Ur\u010dit\u00e9 typy \u00fav\u011br\u016f s&nbsp;ru\u010den\u00edm mohou slou\u017eit i pro konsolidaci p\u016fj\u010dek nebo <a href=\"https:\/\/www.zoxo.cz\/pujcka-pro-zivnostniky-a-osvc\">financov\u00e1n\u00ed podnikatelsk\u00fdch z\u00e1m\u011br\u016f<\/a>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Jak se stanovuje odhad nemovitosti<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Odhad nemovitosti je d\u016fle\u017eitou sou\u010d\u00e1st\u00ed procesu schv\u00e1len\u00ed p\u016fj\u010dky. Ovliv\u0148uje celkov\u00e9 parametry p\u016fj\u010dky, m\u00e1 vliv na d\u00e9lku spl\u00e1cen\u00ed, \u00fav\u011brov\u00fd r\u00e1mec i na \u00farokovou sazbu. Odhad prov\u00e1d\u00ed zku\u0161en\u00fd odhadce v\u011b\u0159itele. P\u0159i odhadu je stanovena aktu\u00e1ln\u00ed tr\u017en\u00ed hodnota nemovitosti, posuzuje se technick\u00fd stav, velikost, dispozice, vybaven\u00ed nemovitosti, lokalita a ob\u010dansk\u00e1 vybavenost v&nbsp;m\u00edst\u011b. Dva typov\u00e9 domy se stejn\u00fdm st\u00e1\u0159\u00edm mohou m\u00edt r\u016fznou hodnotu, pokud se nach\u00e1zej\u00ed v&nbsp;odli\u0161n\u00fdch lokalit\u00e1ch s&nbsp;r\u016fzn\u00fdm okol\u00edm.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Kontrola p\u0159ed koup\u00ed<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed samotnou koup\u00ed a vkladem do z\u00e1stavy se kontroluje nemovitost po pr\u00e1vn\u00ed str\u00e1nce. Zkoumaj\u00ed se vlastnick\u00e9 vztahy, z\u00e1stavy a v\u011bcn\u00e1 b\u0159emena. Zji\u0161t\u011bn\u00e9 informace mus\u00ed b\u00fdt bez z\u00e1vad, proto\u017ee jinak se komplikuje proces z\u00e1stavy nemovitosti a celkov\u00e9 schv\u00e1len\u00ed p\u016fj\u010dky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O celkov\u00e9 v\u00fd\u0161i \u00fav\u011bru rozhoduje v\u011b\u0159itel, \u0159\u00edd\u00ed se stanovenou odhadn\u00ed cenou nemovitosti.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Nemovitosti vhodn\u00e9 pro z\u00e1stavu<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Do z\u00e1stavy je vhodn\u00e9 vybrat nemovitost se stabiln\u00ed hodnotou. To znamen\u00e1 takovou, kter\u00e1 je v&nbsp;zastav\u011bn\u00e9 lokalit\u011b a \u00fazemn\u00ed pl\u00e1n nep\u0159edpokl\u00e1d\u00e1 v\u00fdraznou zm\u011bnu v&nbsp;okol\u00ed. Objekt by m\u011bl m\u00edt propracovanou dispozici, b\u00fdt dob\u0159e udr\u017eovan\u00fd a s&nbsp;upraven\u00fdm okol\u00edm. \u017d\u00e1dan\u00e9 jsou nemovitosti v&nbsp;atraktivn\u00edch lokalit\u00e1ch. Vysokou hodnotu maj\u00ed nemovitosti v&nbsp;klidn\u00fdch \u010d\u00e1stech velk\u00fdch m\u011bst. Za men\u0161\u00ed \u00fav\u011bry je mo\u017en\u00e9 zaru\u010dit se tak\u00e9 rekrea\u010dn\u00ed nemovitost\u00ed nebo komer\u010dn\u00ed nemovitost\u00ed (sklad, ateli\u00e9r, nebytov\u00fd prostor aj.).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U investi\u010dn\u00edch nemovitost\u00ed je vhodn\u00e9 p\u0159ilo\u017eit pl\u00e1novan\u00e9 p\u0159\u00edjmy z&nbsp;pron\u00e1jmu, kter\u00e9 mohou b\u00fdt pou\u017eity na \u00fahradu spl\u00e1tek.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Jak se p\u0159ipravit na p\u016fj\u010dku, praktick\u00fd ToDo list<\/h1>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vyhodnotit finan\u010dn\u00ed situaci, schopnost spl\u00e1cet, v\u00fd\u0161i rezervy.<\/li>\n\n\n\n<li>Zjistit aktu\u00e1ln\u00ed hodnotu nemovitosti, orienta\u010dn\u00ed odhad p\u0159ed koup\u00ed.<\/li>\n\n\n\n<li>P\u0159ipravit dokumentaci k&nbsp;nemovitosti (list vlastnictv\u00ed, kupn\u00ed smlouvu, katastr\u00e1ln\u00ed mapu, stavebn\u00ed povolen\u00ed, kolauda\u010dn\u00ed rozhodnut\u00ed).<\/li>\n\n\n\n<li>Zkontrolovat pr\u00e1vn\u00ed stav nemovitosti (exekuce, z\u00e1stavn\u00ed pr\u00e1va, v\u011bcn\u00e1 b\u0159emena).<\/li>\n\n\n\n<li>Porovnat nab\u00eddky poskytovatel\u016f \u00fav\u011br\u016f.<\/li>\n\n\n\n<li>P\u0159ipravit doklady o bonit\u011b.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\">Autor: Jakub Ne\u010das <a href=\"https:\/\/www.zoxo.cz\/\" data-type=\"link\" data-id=\"https:\/\/www.zoxo.cz\/\">www.zoxo.cz<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u016fj\u010dka se z\u00e1stavou nemovitosti je dlouhodob\u00fdm \u00fav\u011brem s&nbsp;n\u00edzkou \u00farokovou sazbou. Je v\u00fdborn\u00fdm pomocn\u00edkem p\u0159i \u0159e\u0161en\u00ed bytov\u00e9 situace nebo n\u00e1kupu investi\u010dn\u00ed nemovitosti. Pokud je \u017eadatel na proces dob\u0159e p\u0159ipraven, m\u016f\u017ee z\u00edskat atraktivn\u00ed \u00farok a v\u00fdhodn\u00e9 podm\u00ednky pro spl\u00e1cen\u00ed. V\u00edme, na co v\u011b\u0159itel\u00e9 sly\u0161\u00ed. N\u00e1kup nemovitosti na \u00fav\u011br P\u016fj\u010dka se z\u00e1stavou nemovitosti je v\u00fdhodn\u00e1 pro v\u011b\u0159itele i [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1251,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-1250","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1250","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1250"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1250\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/1251"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1250"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1250"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1250"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}