[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kryf.cz\/za-hypoteku-muzete-rucit-i-hodnotnym-pozemkem\/#Article","mainEntityOfPage":"https:\/\/www.kryf.cz\/za-hypoteku-muzete-rucit-i-hodnotnym-pozemkem\/","headline":"Za hypot\u00e9ku m\u016f\u017eete ru\u010dit i hodnotn\u00fdm pozemkem","name":"Za hypot\u00e9ku m\u016f\u017eete ru\u010dit i hodnotn\u00fdm pozemkem","description":"Chyst\u00e1te se na p\u016fj\u010dku? V tom p\u0159\u00edpad\u011b jist\u011b intenzivn\u011b p\u0159em\u00fd\u0161l\u00edte nad t\u00edm, jak vy\u0159e\u0161it ru\u010den\u00ed za \u00fav\u011br, kter\u00fd si vezmete. Kdy\u017e po\u017e\u00e1d\u00e1te o p\u016fj\u010dku v bance, tak to znamen\u00e1, \u017ee mus\u00edte m\u00edt dostate\u010dnou bonitu, a mus\u00edte za svou p\u016fj\u010dku poskytnout vhodnou z\u00e1ruku \u2013 mus\u00edte nap\u0159\u00edklad ru\u010dit nemovitost\u00ed, kterou pr\u00e1v\u011b stav\u00edte, a k tomu v\u0161emu je\u0161t\u011b","datePublished":"2019-09-14","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.kryf.cz\/author\/#Person","name":"","url":"https:\/\/www.kryf.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kryf.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kryf.cz\/wp-content\/uploads\/img_a343721_w1701_t1557126236.jpg","url":"https:\/\/www.kryf.cz\/wp-content\/uploads\/img_a343721_w1701_t1557126236.jpg","height":0,"width":0},"url":"https:\/\/www.kryf.cz\/za-hypoteku-muzete-rucit-i-hodnotnym-pozemkem\/","about":["Finance"],"wordCount":460,"articleBody":"      Chyst\u00e1te se na p\u016fj\u010dku? V tom p\u0159\u00edpad\u011b jist\u011b intenzivn\u011b p\u0159em\u00fd\u0161l\u00edte nad t\u00edm, jak vy\u0159e\u0161it ru\u010den\u00ed za \u00fav\u011br, kter\u00fd si vezmete. Kdy\u017e po\u017e\u00e1d\u00e1te o p\u016fj\u010dku v bance, tak to znamen\u00e1, \u017ee mus\u00edte m\u00edt dostate\u010dnou bonitu, a mus\u00edte za svou p\u016fj\u010dku poskytnout vhodnou z\u00e1ruku \u2013 mus\u00edte nap\u0159\u00edklad ru\u010dit nemovitost\u00ed, kterou pr\u00e1v\u011b stav\u00edte, a k tomu v\u0161emu je\u0161t\u011b dostate\u010dn\u011b hodnotn\u00fdm pozemkem, na kter\u00e9m tato nemovitost stoj\u00ed. A pokud \u017e\u00e1dnou st\u00e1vaj\u00edc\u00ed nemovitost nem\u00e1te, tak byste m\u011bli poskytnout spolu\u00fa\u010dast v minim\u00e1ln\u00ed stanoven\u00e9 v\u00fd\u0161i.Mnoho lid\u00ed ov\u0161em v bance nepochod\u00ed pr\u00e1v\u011b kv\u016fli tomu, \u017ee maj\u00ed n\u00edzkou bonitu. P\u0159irozen\u011b se tak za\u010dnou poohl\u00ed\u017eet po alternativ\u00e1ch v podob\u011b nebankovn\u00edho \u00fav\u011bru.Jak\u00e9 podm\u00ednky mus\u00edte splnit, abyste mohli \u017e\u00e1dat o nebankovn\u00ed \u00fav\u011br? Sjednat si p\u016fj\u010dku v nebankovn\u00ed spole\u010dnosti je mnohem snaz\u0161\u00ed ne\u017e si ji sjednat v bance. Podm\u00ednky takov\u00e9 p\u016fj\u010dky jsou mnohem jednodu\u0161\u0161\u00ed a p\u0159ehledn\u011bj\u0161\u00ed. Vlastn\u011b jsou jenom dv\u011b. Ta prvn\u00ed je jasn\u00e1, kdy\u017e \u017e\u00e1d\u00e1te o libovoln\u00fd \u00fav\u011br, mus\u00edte m\u00edt dostate\u010dn\u00fd p\u0159\u00edjem pro jeho spl\u00e1cen\u00ed. Pokud tedy \u017e\u00e1d\u00e1te o opravdu hodn\u011b vysokou \u010d\u00e1stku, m\u011bl by s jej\u00ed v\u00fd\u0161\u00ed korespondovat i v\u00e1\u0161 p\u0159\u00edjem \u2013 ten mus\u00ed b\u00fdt tedy tak\u00e9 vysok\u00fd. Naopak u ni\u017e\u0161\u00edch p\u016fj\u010dek je mo\u017en\u00e9 spl\u00e1tky rozlo\u017eit a\u017e na t\u0159icet let tak, \u017ee m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka i s \u00farokem bude opravdu zanedbateln\u00e1. Druhou podm\u00ednkou je dostate\u010dn\u00e1 z\u00e1ruka za po\u017eadovan\u00fd \u00fav\u011br. Ru\u010dit mus\u00edte nemovitost\u00ed. D\u016fle\u017eit\u00e9 je, aby jej\u00ed hodnota odpov\u00eddala v\u00fd\u0161i \u010d\u00e1stky, o jakou m\u00e1te z\u00e1jem. Vlastn\u011b m\u016f\u017eete z\u00edskat p\u016fj\u010dku a\u017e do v\u00fd\u0161e sedmdes\u00e1ti procent aktu\u00e1ln\u00ed odhadn\u00ed hodnoty v\u00e1mi zvolen\u00e9 nemovitosti. Jako z\u00e1ruku si tedy m\u016f\u017eete zvolit prakticky libovolnou nemovitost, z\u00e1le\u017e\u00ed pouze na va\u0161em uv\u00e1\u017een\u00ed, a samoz\u0159ejm\u011b p\u0159irozen\u011b i na tom, co zrovna m\u00e1te \u201epo ruce\u201c. Tak\u017ee si m\u016f\u017eete sjednat hypot\u00e9ku na byt, hypot\u00e9ku na pozemek anebo t\u0159eba i hypot\u00e9ku na gar\u00e1\u017e. Nicm\u00e9n\u011b m\u016f\u017ee doj\u00edt i k situaci, kdy m\u00e1te n\u00edzk\u00fd p\u0159\u00edjem anebo \u017e\u00e1dnou nemovitost nevlastn\u00edte. I to se st\u00e1v\u00e1. A dokonce i takov\u00e1 situace m\u00e1 \u0159e\u0161en\u00ed: ve sv\u00e9m okol\u00ed mus\u00edte naj\u00edt ochotn\u00e9ho spoluru\u010ditele anebo spoludlu\u017en\u00edka, kte\u0159\u00ed se sv\u00fdm majetkem anebo p\u0159\u00edjmem zaru\u010d\u00ed za va\u0161i p\u016fj\u010dku.                                                                                                                                                                                                                                                                                                                                                                                                  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