[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wanabi.cz\/spravny-cas-na-velka-rozhodnuti-aneb-kdy-zacit-premyslet-o-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.wanabi.cz\/spravny-cas-na-velka-rozhodnuti-aneb-kdy-zacit-premyslet-o-hypotece\/","headline":"Spr\u00e1vn\u00fd \u010das na velk\u00e1 rozhodnut\u00ed aneb kdy za\u010d\u00edt p\u0159em\u00fd\u0161let o hypot\u00e9ce","name":"Spr\u00e1vn\u00fd \u010das na velk\u00e1 rozhodnut\u00ed aneb kdy za\u010d\u00edt p\u0159em\u00fd\u0161let o hypot\u00e9ce","description":"Velk\u00e9 \u017eivotn\u00ed kroky si \u017e\u00e1daj\u00ed velk\u00e9 pl\u00e1nov\u00e1n\u00ed. Dozajista mi d\u00e1te za pravdu, \u017ee jedn\u00edm z t\u011bch z\u00e1sadn\u00edch \u017eivotn\u00edch okam\u017eik\u016f, kter\u00e9 n\u00e1s na na\u0161\u00ed dr\u00e1ze \u017eivotem potkaj\u00ed, je po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Spole\u010dn\u011b s touto radost\u00ed jde v\u0161ak ruku v ruce i velk\u00e9 b\u0159\u00edm\u011b v podob\u011b hypote\u010dn\u00edho \u00fav\u011bru. A\u0165 u\u017e se jedn\u00e1 o bankovn\u00ed nebo nebankovn\u00ed hypot\u00e9ku,...","datePublished":"2021-04-12","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.wanabi.cz\/author\/#Person","name":"","url":"https:\/\/www.wanabi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wanabi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wanabi.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_2.jpg","url":"https:\/\/www.wanabi.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.wanabi.cz\/spravny-cas-na-velka-rozhodnuti-aneb-kdy-zacit-premyslet-o-hypotece\/","about":["Www"],"wordCount":412,"articleBody":"      Velk\u00e9 \u017eivotn\u00ed kroky si \u017e\u00e1daj\u00ed velk\u00e9 pl\u00e1nov\u00e1n\u00ed. Dozajista mi d\u00e1te za pravdu, \u017ee jedn\u00edm z t\u011bch z\u00e1sadn\u00edch \u017eivotn\u00edch okam\u017eik\u016f, kter\u00e9 n\u00e1s na na\u0161\u00ed dr\u00e1ze \u017eivotem potkaj\u00ed, je po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Spole\u010dn\u011b s touto radost\u00ed jde v\u0161ak ruku v ruce i velk\u00e9 b\u0159\u00edm\u011b v podob\u011b hypote\u010dn\u00edho \u00fav\u011bru. A\u0165 u\u017e se jedn\u00e1 o bankovn\u00ed nebo nebankovn\u00ed hypot\u00e9ku, v obou p\u0159\u00edpadech jsou podm\u00ednky vesm\u011bs stejn\u00e9. Odli\u0161uj\u00ed se jen v nepatrn\u00fdch detailech, jako je v\u00fd\u0161e ro\u010dn\u00ed \u00farokov\u00e9 sazby nebo d\u00e9lka fixace. Kdy v\u0161ak nast\u00e1v\u00e1 ten spr\u00e1vn\u00fd okam\u017eik na hypot\u00e9ku a my si budeme moc\u00ed \u0159\u00edci, \u017ee jsme skute\u010dn\u011b p\u0159ipraveni na tak velk\u00fd z\u00e1vazek, kter\u00fd se po\u010d\u00edt\u00e1 na desetilet\u00ed?O hypot\u00e9ce m\u00e1 smysl uva\u017eovat do 45 letN\u011bkdo se na tak velk\u00fd z\u00e1vazek jako je hypot\u00e9ka c\u00edt\u00ed ve 20, jin\u00fd ve 30 a n\u011bkdo se neodhodl\u00e1 zkr\u00e1tka nikdy. Na\u0161e priority a pl\u00e1ny jsou velmi individu\u00e1ln\u00ed a s t\u00edm souvis\u00ed i vlastn\u00ed bydlen\u00ed. Minim\u00e1ln\u00ed v\u011bk pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky je v \u010cesk\u00e9 republice 18 let, nejvy\u0161\u0161\u00ed pak z\u00e1kon nijak neup\u0159es\u0148uje. Je tedy na uv\u00e1\u017een\u00ed ka\u017ed\u00e9ho z n\u00e1s, kdy pro n\u011bj nastane ta spr\u00e1vn\u00e1 doba.\u010cesk\u00e1 n\u00e1rodn\u00ed banka v\u0161ak doporu\u010duje bankovn\u00edm poskytovatel\u016fm horn\u00ed v\u011bkovou hranici, kdy by m\u011bl b\u00fdt \u00fav\u011br splacen. Ta je aktu\u00e1ln\u011b 65 let. Jedn\u00e1 se v\u0161ak pouze o doporu\u010den\u00ed, kter\u00e9 nen\u00ed pro samotn\u00e9 poskytovatele z\u00e1vazn\u00e9. Snadno se tak m\u016f\u017ee setkat i s daleko v\u011bt\u0161\u00ed v\u011bkovou hranic\u00ed jak u bankovn\u00edch tak nebankovn\u00edch poskytovatel\u016f.Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemPravideln\u00fd a stabiln\u00ed m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, kter\u00fd je dostate\u010dn\u011b vysok\u00fd, aby pokryl ve\u0161ker\u00e9 v\u00fddaje a je\u0161t\u011b v rodinn\u00e9m rozpo\u010dtu zbylo dostatek pen\u011bz na tvo\u0159en\u00ed rezerv. To je ta spr\u00e1vn\u00e1 chv\u00edle, kdy je \u010das po\u017e\u00e1dat o hypot\u00e9ku. Mnoho lid\u00ed si neuv\u011bdomuje, \u017ee spl\u00e1tky hypote\u010dn\u00edho \u00fav\u011bru do zna\u010dn\u00e9 m\u00edry zat\u00ed\u017e\u00ed rodinn\u00fd rozpo\u010det. Je tedy zapot\u0159eb\u00ed spl\u00e1tky nastavit tak, aby v n\u011bm m\u011bs\u00ed\u010dn\u011b z\u016fst\u00e1valo dostatek finan\u010dn\u00edch prost\u0159edk\u016f na vlastn\u00ed ob\u017eivu i spl\u00e1tky.                                                                                                                                                                                                                                                                                                                                                                                                   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