[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.martilla.cz\/jak-funguje-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.martilla.cz\/jak-funguje-hypoteka\/","headline":"Jak funguje hypot\u00e9ka?","name":"Jak funguje hypot\u00e9ka?","description":"Mez lidmi koluje jedna velk\u00e1 nepravda, a tou je to, \u017ee kdy\u017e si berete hypot\u00e9ku na byt nebo d\u016fm, tak je nemovitost ve vlastnictv\u00ed banky…","datePublished":"2024-12-10","dateModified":"2024-12-10","author":{"@type":"Person","@id":"https:\/\/www.martilla.cz\/author\/#Person","name":"","url":"https:\/\/www.martilla.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"martilla.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.martilla.cz\/wp-content\/uploads\/contract-6951993_640_10_10_10_10_10_2.jpg","url":"https:\/\/www.martilla.cz\/wp-content\/uploads\/contract-6951993_640_10_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.martilla.cz\/jak-funguje-hypoteka\/","about":["Ekonomika"],"wordCount":409,"articleBody":"         Mez lidmi koluje jedna velk\u00e1 nepravda, a tou je to, \u017ee kdy\u017e si berete hypot\u00e9ku na byt nebo d\u016fm, tak je nemovitost ve vlastnictv\u00ed banky a a\u017e ho splat\u00edte, teprve potom bude v\u00e1\u0161. To je ale naprost\u00fd nesmysl, proto\u017ee nemovitost je va\u0161e po celou dobu, jen na n\u00ed v\u00e1zne z\u00e1stavn\u00ed pr\u00e1vo. To se zapisuje do katastru nemovitost\u00ed a po tuto dobu je v\u00e1\u0161 \u00fav\u011br zaji\u0161t\u011bn\u00fd z\u00e1stavou pro p\u0159\u00edpad, \u017ee byste nespl\u00e1celi. Ov\u0161em nen\u00ed to tak, \u017ee by byl d\u016fm banky. Z\u00e1stava je jen prost\u0159edek k tomu, aby banka m\u011bla jistotu, \u017ee klient bude sv\u016fj z\u00e1vazek hradit \u0159\u00e1dn\u011b a v\u010das. Z\u00e1stavu vy\u017eaduje ka\u017ed\u00e1 banka, kter\u00e1 v\u00e1m poskytne hypot\u00e9ku, a dokonce se s n\u00ed setk\u00e1te i v p\u0159\u00edpad\u011b, \u017ee byste si cht\u011bli vz\u00edt hypot\u00e9ku od nebankovn\u00ed spole\u010dnosti. I ty cht\u011bj\u00ed m\u00edt n\u011bjakou jistotu pro p\u0159\u00edpad nespl\u00e1cen\u00ed. Proto je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee budete m\u00edt na katastru viditelnou z\u00e1stavu. Ta se vyma\u017ee pot\u00e9, co splat\u00edte sv\u016fj z\u00e1vazek bance. Je ale pot\u0159eba o to po\u017e\u00e1dat banku, kter\u00e1 v\u00e1m vyd\u00e1 potvrzen\u00ed o tom, \u017ee souhlas\u00ed s jeho v\u00fdmazem z katastru nemovitost\u00ed.Bez hypot\u00e9ky to nejdeV dne\u0161n\u00ed dob\u011b jsou nemovitosti natolik drah\u00e9, \u017ee skute\u010dn\u011b jen hrstka lid\u00ed si m\u016f\u017ee dovolit hradit vlastn\u00ed bydlen\u00ed bez jak\u00e9hokoliv \u00fav\u011bru. Proto v\u011bt\u0161ina lid\u00ed pod\u00e1v\u00e1 ke sv\u00e9 bance \u017e\u00e1dost o hypot\u00e9ku. Je to logick\u00e9, proto\u017ee kdy\u017e jste klientem jedn\u00e9 banky, nejsp\u00ed\u0161 nebudete \u017e\u00e1dat o \u00fav\u011br u jin\u00e9. I p\u0159esto si ale srovnejte nab\u00eddky r\u016fzn\u00fdch bank, proto\u017ee podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky i celkov\u00e9 spl\u00e1tky se li\u0161\u00ed podle ka\u017ed\u00e9 banky. Najd\u011bte si tu, kter\u00e1 v\u00e1m nab\u00eddne nejlep\u0161\u00ed podm\u00ednky bez ohledu na to, zda jste jej\u00edm klientem. Za t\u00edmto \u00fa\u010delem se vyplat\u00ed naj\u00edt si nez\u00e1visl\u00e9ho finan\u010dn\u00edho poradce, kter\u00fd v\u00e1m dok\u00e1\u017ee vyjednat i daleko lep\u0161\u00ed \u00faroky, ne\u017e na kter\u00e9 byste se dostali vy p\u0159\u00edm\u00fdm jedn\u00e1n\u00edm s bankou. Nen\u00ed ale snadn\u00ed naj\u00edt kvalitn\u00edho a nez\u00e1visl\u00e9ho poradce, proto pe\u010dliv\u011b vyb\u00edrejte, a hlavn\u011b \u010dt\u011bte recenze.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak funguje hypot\u00e9ka?","item":"https:\/\/www.martilla.cz\/jak-funguje-hypoteka\/#breadcrumbitem"}]}]