[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sekin.cz\/s-dvaceti-procenty-se-musi-pocitat-z-vlastnich-zdroju\/#Article","mainEntityOfPage":"https:\/\/www.sekin.cz\/s-dvaceti-procenty-se-musi-pocitat-z-vlastnich-zdroju\/","headline":"S dvaceti procenty se mus\u00ed po\u010d\u00edtat z vlastn\u00edch zdroj\u016f","name":"S dvaceti procenty se mus\u00ed po\u010d\u00edtat z vlastn\u00edch zdroj\u016f","description":"Ot\u00e1zkou bude, kde je sehnat, kdy\u017e nem\u00e1me nic na\u0161et\u0159eno. Kde pen\u00edze rychle naj\u00edt, kdy\u017e se bude jednat o pom\u011brn\u011b vysokou \u010d\u00e1stku. Nyn\u00ed se m\u016f\u017eeme setkat se zkratkou LTV \u2013 loan to value. Prakticky to znamen\u00e1, v\u00a0jak\u00e9m pom\u011bru je po\u017eadovan\u00e1 v\u00fd\u0161e \u00fav\u011bru a z\u00e1stavn\u00ed hodnota nemovitosti, kter\u00e1 slou\u017e\u00ed pak jako ji\u0161t\u011bn\u00ed \u00fav\u011bru. Pokud bychom se zam\u011b\u0159ili […]","datePublished":"2023-05-25","dateModified":"2023-05-25","author":{"@type":"Person","@id":"https:\/\/www.sekin.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.sekin.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sekin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sekin.cz\/wp-content\/uploads\/img_a321750_w2278_t1533020246.jpg","url":"https:\/\/www.sekin.cz\/wp-content\/uploads\/img_a321750_w2278_t1533020246.jpg","height":0,"width":0},"url":"https:\/\/www.sekin.cz\/s-dvaceti-procenty-se-musi-pocitat-z-vlastnich-zdroju\/","wordCount":434,"articleBody":"Ot\u00e1zkou bude, kde je sehnat, kdy\u017e nem\u00e1me nic na\u0161et\u0159eno. Kde pen\u00edze rychle naj\u00edt, kdy\u017e se bude jednat o pom\u011brn\u011b vysokou \u010d\u00e1stku. Nyn\u00ed se m\u016f\u017eeme setkat se zkratkou LTV \u2013 loan to value. Prakticky to znamen\u00e1, v\u00a0jak\u00e9m pom\u011bru je po\u017eadovan\u00e1 v\u00fd\u0161e \u00fav\u011bru a z\u00e1stavn\u00ed hodnota nemovitosti, kter\u00e1 slou\u017e\u00ed pak jako ji\u0161t\u011bn\u00ed \u00fav\u011bru. Pokud bychom se zam\u011b\u0159ili na n\u011bjak\u00fd p\u0159\u00edklad, tak prakticky nemovitost bude v\u00a0hodnot\u011b 2\u00a0600\u00a0000,- K\u010d, banka n\u00e1m vyjde vst\u0159\u00edc, pokud to v\u0161echno bude z\u00a0na\u0161\u00ed strany v\u00a0po\u0159\u00e1dku, s\u00a0\u010d\u00e1stkou 2\u00a0080\u00a0000,- K\u010d. Ov\u0161em zbylou \u010d\u00e1stku si mus\u00edme n\u011bjak\u00fdm zp\u016fsobem zajistit, a to je\u0161t\u011b d\u0159\u00edve, ne\u017e p\u016fjdeme \u017e\u00e1dat o hypot\u00e9\u010dn\u00ed \u00fav\u011br.Kde najednou pen\u00edze z\u00edskat?1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u016fj\u010dka v\u00a0rodin\u011b \u2013 je to asi nejjednodu\u0161\u0161\u00ed zp\u016fsob, od rodiny a bl\u00edzk\u00fdch p\u0159\u00edbuzn\u00fdch, jeliko\u017e se bude jednat v\u011bt\u0161inou o bez\u00faro\u010dnou p\u016fj\u010dku. P\u0159esto je naprosto ide\u00e1ln\u00ed, pro zachov\u00e1n\u00ed dobr\u00fdch p\u0159\u00edbuzensk\u00fdch vztah\u016f, sepsat smlouvu o z\u00e1p\u016fj\u010dce a v\u0161echny dal\u0161\u00ed n\u00e1le\u017eitosti, jak se bude p\u016fj\u010dka spl\u00e1cet. Je to takov\u00e1 ochrana prakticky pro ob\u011b dv\u011b strany.2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pot\u0159ebujeme dal\u0161\u00ed z\u00e1stavu \u2013 chyb\u00ed vlastn\u00ed zdroje, ale lze zastavit jinou nemovitost jako ru\u010den\u00ed, nap\u0159\u00edklad d\u016fm nebo byt rodi\u010d\u016f. Neznamen\u00e1 to, \u017ee se mus\u00ed tato nemovitost zastavovat po celou dobu splatnosti \u00fav\u011bru. Pokud toti\u017e spl\u00e1c\u00edme, tak i v\u00fd\u0161e \u00fav\u011bru bude postupn\u011b klesat. Kdy\u017e klesne na po\u017eadovanou hodnotu, tak dal\u0161\u00ed nemovitost lze p\u0159irozen\u011b vyjmout. Zkr\u00e1tka si jen na chv\u00edli zap\u016fj\u010d\u00edme bydlen\u00ed rodi\u010d\u016f, kamar\u00e1d\u016f nebo p\u0159\u00edbuzn\u00fdch. To bude dostate\u010dn\u00e9 ji\u0161t\u011bn\u00ed.3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dal\u0161\u00ed \u00fav\u011br \u2013 nebankovn\u00ed spole\u010dnosti jsou p\u0159ipraveny vyj\u00edt vst\u0159\u00edc, to ale banky moc r\u00e1dy nevid\u00ed a mnohdy se m\u016f\u017eeme dostat do \u00fazk\u00e9 uli\u010dky s\u00a0t\u00edm, \u017ee n\u00e1m bude do v\u00fddaj\u016f zapo\u010dten nov\u00fd \u00fav\u011br a na hypot\u00e9ku p\u0159irozen\u011b nemus\u00edme dos\u00e1hnout. Mo\u017enost tady ur\u010dit\u011b je, ale ot\u00e1zkou bude dal\u0161\u00ed p\u0159\u00edstup bankovn\u00edho \u00fa\u0159adu.4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Hypot\u00e9ka rodi\u010d\u016f \u2013 i tato mo\u017enost existuje, pokud s\u00a0t\u00edm rodi\u010de souhlas\u00ed. Je to bydlen\u00ed pro p\u0159\u00edbuzn\u00e9ho v\u00a0\u0159ad\u011b p\u0159\u00edm\u00e9, tud\u00ed\u017e \u00fa\u010delovost je spln\u011bna. V\u011bt\u0161inou zde \u017e\u00e1d\u00e1 kompletn\u011b cel\u00e1 rodina, d\u00edky bonit\u011b posuzovan\u00fdch, lze \u00fav\u011br snadn\u011bji z\u00edskat.                                                                                                                                                                                                                                                                                                                                                                                        3.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S dvaceti procenty se mus\u00ed po\u010d\u00edtat z vlastn\u00edch zdroj\u016f","item":"https:\/\/www.sekin.cz\/s-dvaceti-procenty-se-musi-pocitat-z-vlastnich-zdroju\/#breadcrumbitem"}]}]