[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.anavel.cz\/znate-podminky-ktere-jsou-zapotrebi-splnit-pro-schvaleni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.anavel.cz\/znate-podminky-ktere-jsou-zapotrebi-splnit-pro-schvaleni-hypoteky\/","headline":"Zn\u00e1te podm\u00ednky, kter\u00e9 jsou zapot\u0159eb\u00ed splnit pro schv\u00e1len\u00ed hypot\u00e9ky?","name":"Zn\u00e1te podm\u00ednky, kter\u00e9 jsou zapot\u0159eb\u00ed splnit pro schv\u00e1len\u00ed hypot\u00e9ky?","description":"V bankovn\u00edm sektoru st\u00e1le p\u0159evl\u00e1d\u00e1 nab\u00eddka i popt\u00e1vka po hypote\u010dn\u00edch \u00fav\u011brech na bydlen\u00ed, ale i americk\u00fdch hypot\u00e9k\u00e1ch, kter\u00e9 se v posledn\u00edch letech mohou py\u0161nit \u010d\u00edm d\u00e1l vy\u0161\u0161\u00ed oblib\u011b. Jak\u00e9 je…","datePublished":"2022-07-15","dateModified":"2023-05-18","author":{"@type":"Person","@id":"https:\/\/www.anavel.cz\/author\/#Person","name":"","url":"https:\/\/www.anavel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"anavel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.anavel.cz\/wp-content\/uploads\/pracovn%C3%AD%20dohoda_5.jpg","url":"https:\/\/www.anavel.cz\/wp-content\/uploads\/pracovn%C3%AD%20dohoda_5.jpg","height":0,"width":0},"url":"https:\/\/www.anavel.cz\/znate-podminky-ktere-jsou-zapotrebi-splnit-pro-schvaleni-hypoteky\/","wordCount":431,"articleBody":"   V bankovn\u00edm sektoru st\u00e1le p\u0159evl\u00e1d\u00e1 nab\u00eddka i popt\u00e1vka po hypote\u010dn\u00edch \u00fav\u011brech na bydlen\u00ed, ale i americk\u00fdch hypot\u00e9k\u00e1ch, kter\u00e9 se v posledn\u00edch letech mohou py\u0161nit \u010d\u00edm d\u00e1l vy\u0161\u0161\u00ed oblib\u011b. Jak\u00e9 je ale zapot\u0159eb\u00ed splnit podm\u00ednky, aby v\u00e1m byl \u00fav\u011br v\u016fbec schv\u00e1len? Je jich hned n\u011bkolik, poj\u010fme se spole\u010dn\u011b pod\u00edvat alespo\u0148 na ty nejd\u016fle\u017eit\u011bj\u0161\u00ed. Ty pravideln\u011b stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, nav\u00edc si je\u0161t\u011b dal\u0161\u00ed m\u016f\u017ee samotn\u00e1 banka, u kter\u00e9 o \u00fav\u011br \u017e\u00e1d\u00e1te. Pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjemAby bylo mo\u017en\u00e9 \u00fav\u011br spl\u00e1cet bez probl\u00e9m\u016f, je zapot\u0159eb\u00ed, aby m\u011bl \u017eadatel pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Ten m\u016f\u017ee nap\u0159\u00edklad poch\u00e1zet z pracovn\u00edho pom\u011bru, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, podnik\u00e1n\u00ed nebo t\u0159eba z pron\u00e1jmu nemovitosti. Je ale zapot\u0159eb\u00ed, aby bylo mo\u017en\u00e9 jeho p\u016fvod dolo\u017eit. V p\u0159\u00edpad\u011b pracovn\u00edho pom\u011bru se nav\u00edc mus\u00ed jednat o pracovn\u00ed smlouvu na dobu neur\u010ditou. V p\u0159\u00edpad\u011b pracovn\u00edho pom\u011bru na dobu ur\u010ditou, m\u016f\u017ee b\u00fdt \u00fav\u011br \u017eadateli poskytnut, ale jeho trv\u00e1n\u00ed nesm\u00ed p\u0159es\u00e1hnout dobu pracovn\u00ed smlouvy. V p\u0159\u00edpad\u011b, kdy se \u017eadatel nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, nem\u00e1 \u0161anci na \u00fav\u011br dos\u00e1hnout, nebo\u0165 pro banky p\u0159edstavuje a\u017e p\u0159\u00edli\u0161 vysok\u00e9 riziko. Pokud chcete zn\u00e1t p\u0159ibli\u017enou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku \u00fav\u011bru v z\u00e1vislosti na va\u0161ich p\u0159\u00edjmech, rozhodn\u011b se nev\u00e1hejte vyu\u017e\u00edt hypote\u010dn\u00ed kalkula\u010dku na nebankovn\u00ed hypot\u00e9ku. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016f Ka\u017ed\u00fd \u017eadatel v bance je prov\u011b\u0159ov\u00e1n pro svoj\u00ed d\u016fv\u011bryhodnost. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f je za t\u00edmto \u00fa\u010delem pova\u017eov\u00e1n registr dlu\u017en\u00edk\u016f, kde je zaznamen\u00e1v\u00e1na platebn\u00ed mor\u00e1lka ka\u017ed\u00e9ho z n\u00e1s. Pokud banka objev\u00ed negativn\u00ed z\u00e1znam v n\u011bkter\u00e9m z \u010desk\u00fdch registr\u016f, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed dojde k zam\u00edtnut\u00ed jak\u00e9koliv \u017e\u00e1dosti o \u00fav\u011br. Pro banku toti\u017e v takov\u00e9 situaci p\u0159edstavujete a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko. Pokud v\u00e1m v\u0161ak bude z jak\u00e9hokoliv d\u016fvodu \u017e\u00e1dost o \u00fav\u011br v bance zam\u00edtnuta, je\u0161t\u011b nen\u00ed zapot\u0159eb\u00ed propadat panice. Vyzkou\u0161et m\u016f\u017eete i n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti, kter\u00e9 maj\u00ed nab\u00eddky stejn\u011b v\u00fdhodn\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zn\u00e1te podm\u00ednky, kter\u00e9 jsou zapot\u0159eb\u00ed splnit pro schv\u00e1len\u00ed hypot\u00e9ky?","item":"https:\/\/www.anavel.cz\/znate-podminky-ktere-jsou-zapotrebi-splnit-pro-schvaleni-hypoteky\/#breadcrumbitem"}]}]