{"id":462,"date":"2021-03-08T09:43:26","date_gmt":"2021-03-08T08:43:26","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?page_id=462"},"modified":"2025-06-09T14:42:55","modified_gmt":"2025-06-09T12:42:55","slug":"hypoteky","status":"publish","type":"page","link":"https:\/\/www.jiri-kovar.cz\/index.php\/hypoteky\/","title":{"rendered":"Hypoteky"},"content":{"rendered":"[vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“10%“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Hypot\u00e9ky a \u00fav\u011bry na bydlen\u00ed“ font_container=“tag:h1|text_align:center|color:%23000000″ use_theme_fonts=“yes“][divider line_type=“Small Line“ line_alignment=“center“ line_thickness=“1″ divider_color=“extra-color-3″ custom_line_width=“70″ custom_height=“80″][vc_custom_heading text=“Lep\u0161\u00ed hypot\u00e9ku vyjedn\u00e1v\u00e1m pro v\u0161echny sv\u00e9 klienty. Abych vybral nejlep\u0161\u00ed nab\u00eddku spolupracuji se 14 bankami a 5 stavebn\u00edmi spo\u0159itelnami. P\u0159iprav\u00edm V\u00e1m financov\u00e1n\u00ed p\u0159esn\u011b na m\u00edru Va\u0161im pot\u0159eb\u00e1m.“ font_container=“tag:h3|text_align:center|color:%23ec4d53″ use_theme_fonts=“yes“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ equal_height=“yes“ content_placement=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“2%“ bottom_padding=“5%“ id=“creative-services“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text]\n

Nen\u00ed hypot\u00e9ka jako hypot\u00e9ka<\/span><\/h3>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1647244434465{padding-top: 5% !important;padding-right: 3% !important;}“]\n
\n
\n
\n
\n

Hypotec\u030cni\u0301 u\u0301ve\u030cr je jednou z nejrozs\u030ci\u0301r\u030cene\u030cjs\u030ci\u0301ch moz\u030cnosti\u0301 zi\u0301ska\u0301ni\u0301 vlastni\u0301ho bydleni\u0301. Svy\u0301m klientu\u030am zajis\u030ct\u030cuji nejexkluzivne\u030cjs\u030ci\u0301 nabi\u0301dky, vc\u030cetne\u030c odhadu\u030a nemovitosti\u0301, vedeni\u0301 u\u0301c\u030ctu\u030a, c\u030cerpa\u0301ni\u0301 bez poplatku\u030a, zajis\u030cte\u030cni\u0301 u\u0301ve\u030cru a podmi\u0301nek c\u030cerpa\u0301ni\u0301 vc\u030cetne\u030c dals\u030ci\u0301ch sluz\u030ceb.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

\n
\n
\n
\n

Spolec\u030cne\u030c na\u0301s nepr\u030cekvapi\u0301 z\u030ca\u0301dne\u0301 skryte\u0301 poplatky. Jsem partnerem vs\u030cech c\u030cesky\u0301ch bank, z\u030cadatelu\u030am o hypotec\u030cni\u0301 u\u0301ve\u030cr vyjedna\u0301m leps\u030ci\u0301 podmi\u0301nky. Di\u0301ky znalostem metodik a \u201epr\u030cemy\u0301s\u030cleni\u0301\u201c bank, Va\u0301m pr\u030cipravi\u0301m hypote\u0301ku na mi\u0301ru tak, aby ji banka pr\u030cijala a mohli jste bez starosti\u0301 bydlet.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_row_inner column_margin=“none“ text_align=“left“][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#2ac4ea“ content_color=“#ffffff“ box_color_opacity=“0.6″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Family-Sign“ css=“.vc_custom_1630909793101{margin-top: 50px !important;margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Hypot\u00e9ka na byt<\/span><\/h4>\n

Pl\u00e1nujete si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed?<\/span>[\/fancy_box][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Money-2″ css=“.vc_custom_1630909721148{margin-bottom: 50px !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Americk\u00e1 hypot\u00e9ka<\/h4>\n

Chcete-li si po\u0159\u00eddit auto, karavan nebo kapit\u00e1l do podnik\u00e1n\u00ed[\/fancy_box][\/vc_column_inner][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#ff1053″ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Home2″ css=“.vc_custom_1630909710851{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ delay=“100″ icon_size=“40″]\n

Hypot\u00e9ka na rodinn\u00fd d\u016fm<\/h4>\n

Koup\u011b, v\u00fdstavba nebo rekonstrukce rodinn\u00e9ho domu[\/fancy_box][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#fbbc05″ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Green-Energy“ delay=“100″ css=“.vc_custom_1630909725955{padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Hypot\u00e9ka jako investice<\/h4>\n

Investice? P\u0159\u00edprava na d\u016fchod? Nen\u00ed lep\u0161\u00ed doba a p\u0159\u00edle\u017eitost[\/fancy_box][\/vc_column_inner][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#2f88d6″ content_color=“#ffffff“ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Landscape2″ css=“.vc_custom_1630909715943{margin-top: 50px !important;margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ delay=“200″ icon_size=“40″]\n

Hypot\u00e9ka na pozemek<\/h4>\n

Pozemek pro v\u00fdstavbu domu nebo chaty[\/fancy_box][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#34a853″ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Business-ManWoman“ delay=“200″ css=“.vc_custom_1630909731230{padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Hypot\u00e9ka pro OSV\u010c<\/h4>\n

Podnik\u00e1te a pl\u00e1nujete si po\u0159\u00eddit nemovitost ?[\/fancy_box][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_image=“626″ bg_position=“left bottom“ bg_repeat=“no-repeat“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“V\u00fdb\u011br nemovitosti“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“ css=“.vc_custom_1629335297490{padding-top: 10% !important;}“][vc_custom_heading text=“D\u016fm \u010di byt“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_column_text css=“.vc_custom_1622054086896{padding-top: 5% !important;}“]P\u0159ed hled\u00e1n\u00edm samotn\u00e9 nemovitosti je pot\u0159eba si ujasnit spoustu v\u011bc\u00ed. Bu\u010fte p\u0159ipraven\u00ed na to, \u017ee hled\u00e1n\u00ed ide\u00e1ln\u00edho domova znamen\u00e1 i d\u011blat kompromisy.
\n<\/span>[\/vc_column_text][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“636″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“hypotekanarodinnydum“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Kde hledat“ font_container=“tag:h2|font_size:30|text_align:center|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Va\u0161e budouc\u00ed bydlen\u00ed“ font_container=“tag:h2|font_size:55|text_align:center|color:%23003a5b“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_row_inner column_margin=“default“ text_align=“left“][vc_column_inner column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/1″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text css=“.vc_custom_1647244574457{padding-top: 5% !important;}“]\n

\n
\n
\n
\n

Po nemovitostech se poohle\u0301dne\u030cte na realitni\u0301ch serverech, kde najdete tisi\u0301ce nabi\u0301dek od realitni\u0301ch kancela\u0301r\u030ci\u0301, makle\u0301r\u030cu\u030a nebo rovnou majitelu\u030a. Mu\u030az\u030cete navs\u030cti\u0301vit stra\u0301nky realitni\u0301ch kancela\u0301r\u030ci\u0301 a nezapomen\u030cte se ve vybrane\u0301 lokalite\u030c pi\u0301dit i po loka\u0301lni\u0301ch makle\u0301r\u030ci\u0301ch, kter\u030ci\u0301 mohou mi\u0301t zaji\u0301mave\u0301 nabi\u0301dky. Mnoz\u030cstvi\u0301 inzera\u0301tu\u030a najdete take\u0301 na socia\u0301lni\u0301ch si\u0301ti\u0301ch, stejne\u030c jako v internetovy\u0301ch bazarech. Dlouhodobe\u030c spolupracuji s kolegy z realitni\u0301ho odve\u030ctvi\u0301, kter\u030ci\u0301 Va\u0301m mohou zajistit nadstandardni\u0301 podmi\u0301nky a perfektni\u0301 servis. Vy\u0301be\u030cr je jen na Va\u0301s a pro me\u030c\u00a0z\u030ca\u0301dna\u0301 z vy\u0301s\u030ce uvedeny\u0301ch moz\u030cnosti\u0301 neni\u0301 pr\u030ceka\u0301z\u030ckou se zajis\u030cte\u030cni\u0301m financova\u0301ni\u0301.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=“No Line“ custom_height=“20″][image_with_animation image_url=“934″ alignment=“center“ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“75%“ max_width_mobile=“default“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_image=“626″ bg_position=“center bottom“ bg_repeat=“no-repeat“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“M\u00e1te vybr\u00e1no?“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Tak za\u010dn\u011bte \u0159e\u0161it“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_column_text css=“.vc_custom_1647247323220{padding-top: 5% !important;}“]\n

\n
\n
\n
\n

C\u030ceska\u0301 na\u0301rodni\u0301 banka zpr\u030ci\u0301snila pravidla pro poskytova\u0301ni\u0301 hypote\u0301k, ktere\u0301 se ale neusta\u0301le me\u030cni\u0301. Za jaky\u0301ch podmi\u0301nek mu\u030az\u030cete hypote\u0301ku zi\u0301skat?<\/span><\/p>\n

Pr\u030cipravte se na to, z\u030ce si va\u0301s banka prove\u030cr\u030ci\u0301, nez\u030c va\u0301m schva\u0301li\u0301 hypotec\u030cni\u0301 u\u0301ve\u030cr. Bude ji zaji\u0301mat informace okolo vas\u030ceho pr\u030ci\u0301jmu, rodinne\u0301 pome\u030cry, spla\u0301ceni\u0301 pr\u030ci\u0301padny\u0301ch pu\u030ajc\u030cek – at\u030c uz\u030c aktua\u0301lne\u030c, nebo v minulosti. Jakou nemovitost ma\u0301te v pla\u0301nu financovat v jake\u0301 vy\u0301s\u030ci, mi\u0301ste\u030c a mnoho dals\u030ci\u0301ch parametru\u030a.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_custom_heading text=“Chcete v\u011bd\u011bt, kolik si od banky m\u016f\u017eete p\u016fj\u010dit a jak\u00e9 spl\u00e1tky na V\u00e1s \u010dekaj\u00ed? Nev\u00e1hejte m\u011b kontaktovat“ font_container=“tag:h2|font_size:20|text_align:left|color:%23ec4d53|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:500%20bold%20regular%3A500%3Anormal“ css=“.vc_custom_1647244646394{padding-top: 3% !important;}“][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“860″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ margin_top=“3%“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“hypotekanarodinnydum“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Proces vy\u0159\u00edzen\u00ed“ font_container=“tag:h2|font_size:30|text_align:center|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Hypot\u00e9ky“ font_container=“tag:h2|font_size:55|text_align:center|color:%23003a5b“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_column_text css=“.vc_custom_1647244674518{padding-top: 5% !important;}“]\n

\n
\n
\n
\n

Hypotec\u030cni\u0301 proces zabere klidne\u030c i ne\u030ckolik me\u030csi\u0301cu\u030a\u201c. Podi\u0301vejte se, co vs\u030cechno se pr\u030ci z\u030ca\u0301dosti o hypote\u0301ku musi\u0301 zar\u030ci\u0301dit. V prvni\u0301 r\u030cade\u030c se Va\u0301m vybere nabi\u0301dka na mi\u0301ru. Vyplni\u0301 se z\u030ca\u0301dost o hypotec\u030cni\u0301 u\u0301ve\u030cr, ve ktere\u0301m banka zkontroluje Vas\u030ci platebni\u0301 historii a pr\u030ci\u0301jmy. Vyhotovi\u0301 se odhad kupovane\u0301 nemovitosti, doloz\u030ci\u0301 se kupni\u0301 smlouva a v idea\u0301lni\u0301m pr\u030ci\u0301pade\u030c zapoc\u030cne proces schvalova\u0301ni\u0301 hypote\u0301ky.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][divider line_type=“No Line“ custom_height=“20″][image_with_animation image_url=“936″ alignment=“center“ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“75%“ max_width_mobile=“default“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_image=“626″ bg_position=“center bottom“ bg_repeat=“no-repeat“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Hypot\u00e9ka \u010dasto znamen\u00e1“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Ni\u017e\u0161\u00ed n\u00e1klady na bydlen\u00ed“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_column_text css=“.vc_custom_1647247334066{padding-top: 5% !important;}“]\n

\n
\n
\n
\n

Ve\u030cts\u030cina lidi\u0301 se nechce pustit do hypote\u0301ky. Maji\u0301 pocit, z\u030ce je draha\u0301, nedostupna\u0301 a zbytec\u030cne\u030c zavazuji\u0301ci\u0301. Du\u030am nebo byt ale mu\u030az\u030cete jes\u030cte\u030c pr\u030ced splaceni\u0301m kdykoliv prodat, nebo ho na rozdi\u0301l od na\u0301jmu upravit podle svy\u0301ch pr\u030cedstav. Nemovitost mu\u030az\u030cete pronaji\u0301mat a u\u0301roky z hypote\u0301ky si odec\u030ci\u0301st z dani\u0301, pojisti\u0301te se tak na du\u030achod. Spla\u0301tka hypote\u0301ky navi\u0301c mnohdy odpovi\u0301da\u0301 cene\u030c za na\u0301jem, ne\u030ckdy je i niz\u030cs\u030ci\u0301.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_custom_heading text=“….“ font_container=“tag:h2|font_size:20|text_align:left|color:%23ec4d53|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:500%20bold%20regular%3A500%3Anormal“ css=“.vc_custom_1622056189468{padding-top: 3% !important;}“][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“940″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ margin_top=“3%“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“hypotekanarodinnydum“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Z\u00e1kladem je“ font_container=“tag:h2|font_size:30|text_align:center|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Bonita“ font_container=“tag:h2|font_size:55|text_align:center|color:%23003a5b“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_row_inner column_margin=“default“ text_align=“left“][vc_column_inner column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/1″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text css=“.vc_custom_1647244774905{padding-top: 5% !important;}“]\n

\n
\n
\n
\n

Bonita je ohodnoceni\u0301 z\u030cadatele o hypote\u0301ku. Banka pomoci\u0301 bonity hodnoti\u0301 schopnost spla\u0301cet dluh, ktery\u0301 vu\u030ac\u030ci ni\u0301 bude klient mi\u0301t. Patr\u030ci\u0301 k du\u030alez\u030city\u0301m ukazatelu\u030am, podle ktery\u0301ch banka rozhoduje, zda z\u030cadatel u\u0301ve\u030cr dostane, c\u030ci nikoliv. Bonita hraje take\u0301 roli pr\u030ci stanoveni\u0301 u\u0301rokove\u0301 sazby. Ac\u030ckoliv ma\u0301 kaz\u030cda\u0301 banka jine\u0301 parametry pro posuzova\u0301ni\u0301 bonity, mezi ty nejdu\u030alez\u030cite\u030cjs\u030ci\u0301 patr\u030ci\u0301 ve\u030ck, pr\u030ci\u0301jem a pravidelne\u0301 vy\u0301daje, profese a platebni\u0301 mora\u0301lka.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=“No Line“ custom_height=“20″][image_with_animation image_url=“864″ alignment=“center“ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“75%“ max_width_mobile=“default“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_image=“626″ bg_position=“center bottom“ bg_repeat=“no-repeat“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Jak\u00e9 dokumenty“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Je t\u0159eba si p\u0159ipravit?“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_column_text css=“.vc_custom_1629338797834{padding-top: 5% !important;}“]Kdy\u017e si pod\u00e1te \u017e\u00e1dost o\u00a0hypot\u00e9ku, bude banka b\u011bhem n\u00e1sleduj\u00edc\u00edch n\u011bkolika dn\u016f kontrolovat registry dlu\u017en\u00edk\u016f a\u00a0va\u0161e p\u0159\u00edjmy. Pokud v\u0161e p\u016fjde dob\u0159e, v\u00a0n\u00e1sleduj\u00edc\u00edm t\u00fddnu se u\u017e budete domlouvat na odhadu ceny nemovitosti. Pokud tr\u017en\u00ed cena nemovitosti odpov\u00edd\u00e1 odhadu, banka posoud\u00ed v\u0161echny ostatn\u00ed n\u00e1le\u017eitosti a\u00a0p\u0159iprav\u00ed fin\u00e1ln\u00ed nab\u00eddku hypot\u00e9ky.<\/span>[\/vc_column_text][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“642″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ margin_top=“3%“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“hypotekanarodinnydum“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Hypot\u00e9ka“ font_container=“tag:h2|font_size:30|text_align:center|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Nen\u00ed konec \u017eivota“ font_container=“tag:h2|font_size:55|text_align:center|color:%23003a5b“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_row_inner column_margin=“default“ text_align=“left“][vc_column_inner column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/1″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text css=“.vc_custom_1647244805586{padding-top: 5% !important;}“]\n

\n
\n
\n
\n

Ac\u030ckoli je hypote\u0301ka za\u0301vazek na desi\u0301tky let, nemusi\u0301te se be\u030chem spla\u0301ceni\u0301 vzda\u0301vat svy\u0301ch koni\u0301c\u030cku\u030a. Di\u0301ky pravidlu\u030am, ktera\u0301 nastavuji\u0301 maxima\u0301lni\u0301 vy\u0301s\u030ci spla\u0301tky ze strany C\u030cNB, va\u0301m zbyde dost pene\u030cz na to, co jste me\u030cli ra\u0301di i pr\u030ced hypote\u0301kou \u2013 at\u030c uz\u030c je to sportova\u0301ni\u0301, cestova\u0301ni\u0301, nebo za\u0301bava.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=“No Line“ custom_height=“20″][image_with_animation image_url=“862″ alignment=“center“ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“75%“ max_width_mobile=“default“][vc_row_inner column_margin=“default“ text_align=“left“][vc_column_inner column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/1″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text css=“.vc_custom_1647244852986{padding-top: 5% !important;padding-bottom: 10% !important;}“]\n

\n
\n
\n
\n

S hypote\u0301kou nemusi\u0301te zu\u030asta\u0301vat po celou dobu u stejne\u0301 banky. Naopak. S kaz\u030cdy\u0301m obdobi\u0301m refinancova\u0301ni\u0301 mu\u030az\u030cete pr\u030ceji\u0301t k jine\u0301 bance za vy\u0301hodne\u030cjs\u030ci\u0301 nabi\u0301dkou. Stejne\u030c tak mu\u030az\u030cete du\u030am nebo byt s hypote\u0301kou kdykoliv prodat. V tomto pr\u030ci\u0301pade\u030c Va\u0301m pomohu pr\u030cipravit vs\u030cechny potr\u030cebne\u0301 dokumenty k refinancova\u0301ni\u0301 nebo prodeji nemovitosti a pr\u030cipravi\u0301m Va\u0301m strategii, abyste neplatili z\u030ca\u0301dnou sankci ze strany banky. Idea\u0301lne\u030c se v pr\u030ci\u0301pade\u030c prodeje c\u030ci koupe\u030c nemovitosti s hypote\u0301kou porad\u030cte nejdr\u030ci\u0301ve se mnou a pote\u0301 s realitni\u0301m kolegou.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_image=“626″ bg_position=“center bottom“ bg_repeat=“no-repeat“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color=“#ff1053″ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“x_large_depth“ column_border_radius=“20px“ top_margin=“-23%“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ bg_image_animation=“none“][vc_custom_heading text=“Chcete se vyhnout v\u0161em krok\u016fm a komplikac\u00edm?“ font_container=“tag:h3|font_size:30|text_align:center|line_height:1.2em“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:700%20bold%20regular%3A700%3Anormal“ css=“.vc_custom_1630911105061{padding-top: 7% !important;padding-bottom: 2% !important;}“][nectar_btn size=“large“ button_style=“see-through-2″ color_override=“#ffffff“ hover_color_override=“#ffffff“ hover_text_color_override=“#000000″ icon_family=“none“ margin_bottom=“50%“ url=“https:\/\/www.jiri-kovar.cz\/index.php\/kontakt\/“ text=“Zavolejte mi“][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

[vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“10%“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Hypot\u00e9ky a \u00fav\u011bry…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-462","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/pages\/462"}],"collection":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/comments?post=462"}],"version-history":[{"count":149,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/pages\/462\/revisions"}],"predecessor-version":[{"id":1640,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/pages\/462\/revisions\/1640"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}