[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.uptoyou.cz\/vyvazani-nemovitosti-ze-zastavy\/#Article","mainEntityOfPage":"https:\/\/www.uptoyou.cz\/vyvazani-nemovitosti-ze-zastavy\/","headline":"Vyv\u00e1z\u00e1n\u00ed nemovitosti ze z\u00e1stavy","name":"Vyv\u00e1z\u00e1n\u00ed nemovitosti ze z\u00e1stavy","description":"Chcete si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a va\u0161e \u0161ance na jeho z\u00edsk\u00e1n\u00ed je miziv\u00e1? Jak tedy postupovat? Kdy\u017e se obr\u00e1t\u00edte na banku, m\u016f\u017ee se st\u00e1t, \u017ee v\u00e1s vyhodnot\u00ed jako nebonitn\u00edho klienta a hypote\u010dn\u00ed \u00fav\u011br na po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti v\u00e1m neposkytne. Anebo po v\u00e1s bude p\u0159inejmen\u0161\u00edm cht\u00edt, abyste se prok\u00e1zali ur\u010ditou naspo\u0159enou \u010d\u00e1stkou neboli ur\u010dit\u00fdm procentem vlastn\u00edch […]","datePublished":"2021-11-20","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.uptoyou.cz\/author\/#Person","name":"","url":"https:\/\/www.uptoyou.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"uptoyou.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.uptoyou.cz\/wp-content\/uploads\/Kdy%20se%20do%C4%8Dk%C3%A1me.jpg.png","url":"https:\/\/www.uptoyou.cz\/wp-content\/uploads\/Kdy%20se%20do%C4%8Dk%C3%A1me.jpg.png","height":0,"width":0},"url":"https:\/\/www.uptoyou.cz\/vyvazani-nemovitosti-ze-zastavy\/","about":["Pen\u00edze"],"wordCount":397,"articleBody":"      Chcete si po\u0159\u00eddit vlastn\u00ed bydlen\u00ed a va\u0161e \u0161ance na jeho z\u00edsk\u00e1n\u00ed je miziv\u00e1? Jak tedy postupovat? Kdy\u017e se obr\u00e1t\u00edte na banku, m\u016f\u017ee se st\u00e1t, \u017ee v\u00e1s vyhodnot\u00ed jako nebonitn\u00edho klienta a hypote\u010dn\u00ed \u00fav\u011br na po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti v\u00e1m neposkytne. Anebo po v\u00e1s bude p\u0159inejmen\u0161\u00edm cht\u00edt, abyste se prok\u00e1zali ur\u010ditou naspo\u0159enou \u010d\u00e1stkou neboli ur\u010dit\u00fdm procentem vlastn\u00edch zdroj\u016f. Pak v\u00e1m teprve poskytne pot\u0159ebn\u00fd zbytek \u2013 nap\u0159\u00edklad t\u0159eba jen 80 – 90 % z celkov\u00e9 ceny nemovitosti. A tak se zd\u00e1, \u017ee va\u0161e cesta k vysn\u011bn\u00e9mu nov\u00e9mu domovu bude spletit\u00e1 a mo\u017en\u00e1 i trnit\u00e1. \u0158e\u0161en\u00edm pro v\u00e1s by mohlo b\u00fdt ru\u010den\u00ed je\u0161t\u011b dal\u0161\u00ed nemovitost\u00ed. Uve\u010fme si p\u0159\u00edklad: za po\u0159izovanou nemovitost byste m\u011bli uhradit 4 miliony korun. Budete-li cht\u00edt hypote\u010dn\u00ed \u00fav\u011br, m\u011bli byste m\u00edt \u2013 krom\u011b dal\u0161\u00edch podm\u00ednek \u2013 u\u0161et\u0159eno minim\u00e1ln\u011b 400 tis\u00edc korun. Av\u0161ak pravd\u011bpodobn\u011bj\u0161\u00ed je, \u017ee po v\u00e1s banka bude po\u017eadovat 20 % vlastn\u00edch zdroj\u016f, to znamen\u00e1 800 tis\u00edc korun. Pokud takovou sumou nedisponujete, m\u016f\u017eete bance nab\u00eddnout mo\u017enost ru\u010dit jednak pochopiteln\u011b novou nemovitost\u00ed a pak je\u0161t\u011b nemovitost\u00ed jinou, nap\u0159\u00edklad bytem va\u0161ich rodi\u010d\u016f, pokud by se k tomu uvolili. Pak se pravd\u011bpodobnost z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru na bydlen\u00ed mnohon\u00e1sobn\u011b zvy\u0161uje.Tak\u017ee \u2013 kdy\u017e si vezmete hypot\u00e9ku na po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti a budete ru\u010dit dal\u0161\u00ed nemovitost\u00ed, banka v\u00e1m s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed p\u016fj\u010d\u00ed 100 % ceny nemovitosti a vy nebudete muset dopl\u00e1cet ze sv\u00e9ho ani korunu. Sou\u010det hodnot obou nemovitost\u00ed je toti\u017e dostate\u010dn\u011b vysok\u00fd.Jak to ale bude se z\u00e1stavou druh\u00e9 nemovitosti? Bude trvat po celou dobu, co budete hypot\u00e9ku spl\u00e1cet? Nikoliv. Z\u00e1stava druh\u00e9 nemovitosti je do\u010dasn\u00e1 a vy m\u016f\u017eete po\u017e\u00e1dat o vyv\u00e1z\u00e1n\u00ed nemovitosti ze z\u00e1stavy, a to v okam\u017eiku, jakmile splat\u00edte \u010d\u00e1stku, kter\u00e1 se rovn\u00e1 v\u00fd\u0161i p\u016fvodn\u011b po\u017eadovan\u00fdch \u00faspor, tzn. 10 \u2013 20 % z po\u0159izovac\u00ed ceny nemovitosti. Druhou podm\u00ednkou je p\u0159edpoklad, \u017ee p\u0159i vyvazov\u00e1n\u00ed jedn\u00e9 nemovitosti vyjde dostate\u010dn\u00fd odhad na cenu nemovitosti, kter\u00e1 v z\u00e1stav\u011b z\u016fstala.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyv\u00e1z\u00e1n\u00ed nemovitosti ze z\u00e1stavy","item":"https:\/\/www.uptoyou.cz\/vyvazani-nemovitosti-ze-zastavy\/#breadcrumbitem"}]}]