[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.folitec.cz\/vecne-bremeno-je-jeden-z-faktoru-ktere-promlouvaji-do-hypotecniho-uveru\/#Article","mainEntityOfPage":"https:\/\/www.folitec.cz\/vecne-bremeno-je-jeden-z-faktoru-ktere-promlouvaji-do-hypotecniho-uveru\/","headline":"V\u011bcn\u00e9 b\u0159emeno je jeden z faktor\u016f, kter\u00e9 promlouvaj\u00ed do hypote\u010dn\u00edho \u00fav\u011bru","name":"V\u011bcn\u00e9 b\u0159emeno je jeden z faktor\u016f, kter\u00e9 promlouvaj\u00ed do hypote\u010dn\u00edho \u00fav\u011bru","description":"Hypote\u010dn\u00ed \u00fav\u011br, to je b\u011bh na dlouhou tra\u0165. Je to<span class=\"more-dots\"><a href=\"https:\/\/www.folitec.cz\/vecne-bremeno-je-jeden-z-faktoru-ktere-promlouvaji-do-hypotecniho-uveru\/\">[ ... ]<\/span><\/a>","datePublished":"2018-04-25","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.folitec.cz\/author\/#Person","name":"","url":"https:\/\/www.folitec.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"folitec.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.folitec.cz\/wp-content\/uploads\/img_a319036_w2510_t1529923981.jpg","url":"https:\/\/www.folitec.cz\/wp-content\/uploads\/img_a319036_w2510_t1529923981.jpg","height":0,"width":0},"url":"https:\/\/www.folitec.cz\/vecne-bremeno-je-jeden-z-faktoru-ktere-promlouvaji-do-hypotecniho-uveru\/","about":["V\u00fdrobky"],"wordCount":412,"articleBody":"       Hypote\u010dn\u00ed \u00fav\u011br, to je b\u011bh na dlouhou tra\u0165. Je to mnohdy rozhodnut\u00ed na cel\u00fd \u017eivot, pravideln\u00e9 dlouhodob\u00e9 spl\u00e1tky jsou jist\u00fdm z\u00e1vazkem a m\u011bli bychom ve\u0161ker\u00e1 pro a proti pe\u010dliv\u011b zv\u00e1\u017eit. Na co bychom nem\u011bli zapom\u00ednat, jestli\u017ee o n\u00e1kupu nemovitosti uva\u017eujeme?Rozvaha nad kupn\u00ed cenou\u2013 pokud je kupn\u00ed cena objektu mnohem vy\u0161\u0161\u00ed, ne\u017e je re\u00e1ln\u00e1 cena stanoven\u00e1 odborn\u00fdm znalcem, p\u0159in\u00e1\u0161\u00ed to \u00faskal\u00ed v podob\u011b bu\u010f relativn\u011b velmi n\u00edzk\u00e9 \u010d\u00e1stky poskytovan\u00e9ho \u00fav\u011bru, nebo pot\u00ed\u017ee se zaji\u0161t\u011bn\u00edm nemovitosti. Bankovn\u00ed domy si tak\u0159ka poka\u017ed\u00e9 zajist\u00ed sv\u00e9ho vlastn\u00edho odhadce a poskytovan\u00e1 v\u00fd\u0161e \u00fav\u011bru nikdy nem\u00edv\u00e1 hodnotu kupn\u00ed ceny objektu. S t\u00edm je nutno po\u010d\u00edtat a \u010d\u00e1st kupn\u00ed ceny uhradit v hotovosti.Zp\u016fsob financov\u00e1n\u00ed nemovitosti mus\u00ed m\u00edt klient zaji\u0161t\u011bn je\u0161t\u011b p\u0159ed podpisem rezerva\u010dn\u00ed smlouvy a slo\u017een\u00edm rezerva\u010dn\u00edho poplatku. To lze tak\u00e9 \u0159e\u0161it tzv. smlouvou o smlouv\u011b budouc\u00ed.Bonita je schopnost dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm a obecn\u011b vzato ji bankovn\u00ed domy prov\u011b\u0159uj\u00ed d\u016fkladn\u011bji ne\u017e nebankovn\u00ed spole\u010dnosti. Jsou pro n\u011b rozhoduj\u00edc\u00ed p\u0159\u00edjmy klienta, jeho platebn\u00ed bilance, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Nebankovn\u00ed instituce jsou v tomto sm\u011bru pru\u017en\u011bj\u0161\u00ed, uv\u011bdomuj\u00ed si, \u017ee z\u00e1znam v registru je\u0161t\u011b nic nemus\u00ed znamenat, a \u017ee dostate\u010dn\u00fd p\u0159\u00edjem je velice relativn\u00ed a o\u0161idn\u00e1 z\u00e1le\u017eitost, kter\u00e1 m\u016f\u017ee b\u00fdt prom\u011bnliv\u00e1 jako jarn\u00ed po\u010das\u00ed.V\u011bcn\u00e9 b\u0159emeno b\u00fdv\u00e1 r\u016fzn\u00e9ho charakteru, jde nap\u0159. o b\u0159emeno dodavatele energi\u00ed (Eon, RWE, Innogy), b\u0159emeno vjezdu nebo vstupu k pozemku https:\/\/www.hypotekybezregistru.cz\/a57-vecne-bremeno\/,v\u011bcn\u00e9 b\u0159emeno u\u017e\u00edv\u00e1n\u00ed, jde zkr\u00e1tka v\u017edy o z\u00e1le\u017eitost ryze individu\u00e1ln\u00ed a m\u011bl by ji posuzovat odhadce nemovitosti.Spolumajitel\u00e9 \u2013 t\u011bch m\u016f\u017ee b\u00fdt v\u00edce a rozhodn\u011b mus\u00ed j\u00edt v p\u0159\u00edpad\u011b kupn\u00ed smlouvy o naprost\u00fd soulad, kdy jsou v\u0161ichni rozhodnuti nemovitost opravdu prodat.Vlastn\u00edk budovy a pozemku\u2013 pom\u011brn\u011b \u010dast\u00e9 p\u0159\u00edpady koup\u011b rekrea\u010dn\u00edch objekt\u016f na ciz\u00edm (st\u00e1tn\u00edm nebo soukrom\u00e9m) pronajat\u00e9m pozemku. Ti mus\u00ed pochopiteln\u011b b\u00fdt obezn\u00e1meni s prodejem a tak\u00e9 mus\u00ed souhlasit se z\u00e1stavn\u00edm pr\u00e1vem ze strany v\u011b\u0159itele.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u011bcn\u00e9 b\u0159emeno je jeden z faktor\u016f, kter\u00e9 promlouvaj\u00ed do hypote\u010dn\u00edho \u00fav\u011bru","item":"https:\/\/www.folitec.cz\/vecne-bremeno-je-jeden-z-faktoru-ktere-promlouvaji-do-hypotecniho-uveru\/#breadcrumbitem"}]}]