[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.compresspr.cz\/i-pozemek-muze-byt-dobrou-zarukou-za-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.compresspr.cz\/i-pozemek-muze-byt-dobrou-zarukou-za-hypoteku\/","headline":"I pozemek m\u016f\u017ee b\u00fdt dobrou z\u00e1rukou za hypot\u00e9ku","name":"I pozemek m\u016f\u017ee b\u00fdt dobrou z\u00e1rukou za hypot\u00e9ku","description":"T\u0159eba pr\u00e1v\u011b i vy pot\u0159ebujete bydlet. Pozemek m\u00e1te, ale nem\u00e1te pen\u00edze, za kter\u00e9 byste postavili d\u016fm. Tak\u017ee v\u00e1m nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e si tyto pen\u00edze p\u016fj\u010dit. Je to snadn\u00e9 anebo byste se m\u011bli p\u0159ipravit na n\u011bjak\u00e9 komplikace? Z\u00edskat dostatek pen\u011bz na bydlen\u00ed nemus\u00ed b\u00fdt nic slo\u017eit\u00e9ho, pokud m\u00e1te mo\u017enost poskytnout zvolen\u00e9 finan\u010dn\u00ed spole\u010dnosti nezbytn\u00e9 z\u00e1ruky. […]","datePublished":"2019-09-14","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.compresspr.cz\/author\/#Person","name":"compresspr.cz\n","url":"https:\/\/www.compresspr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"compresspr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.compresspr.cz\/wp-content\/uploads\/img_a350546_w1720_t1565283653.jpg","url":"https:\/\/www.compresspr.cz\/wp-content\/uploads\/img_a350546_w1720_t1565283653.jpg","height":0,"width":0},"url":"https:\/\/www.compresspr.cz\/i-pozemek-muze-byt-dobrou-zarukou-za-hypoteku\/","about":["Finance"],"wordCount":415,"articleBody":"       T\u0159eba pr\u00e1v\u011b i vy pot\u0159ebujete bydlet. Pozemek m\u00e1te, ale nem\u00e1te pen\u00edze, za kter\u00e9 byste postavili d\u016fm. Tak\u017ee v\u00e1m nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e si tyto pen\u00edze p\u016fj\u010dit. Je to snadn\u00e9 anebo byste se m\u011bli p\u0159ipravit na n\u011bjak\u00e9 komplikace? Z\u00edskat dostatek pen\u011bz na bydlen\u00ed nemus\u00ed b\u00fdt nic slo\u017eit\u00e9ho, pokud m\u00e1te mo\u017enost poskytnout zvolen\u00e9 finan\u010dn\u00ed spole\u010dnosti nezbytn\u00e9 z\u00e1ruky. A to nen\u00ed jen tak. V praxi to znamen\u00e1, \u017ee mus\u00edte m\u00edt nejen dostate\u010dn\u00fd p\u0159\u00edjem, ale tak\u00e9 dostate\u010dn\u00e9 \u00faspory, abyste splnili povinnou finan\u010dn\u00ed spolu\u00fa\u010dast. D\u0159\u00edv\u011bj\u0161\u00ed sto procentn\u00ed hypot\u00e9ku v\u00e1m dnes nikdo neposkytne, tak\u017ee v\u00e1m nezb\u00fdv\u00e1, ne\u017e si po\u010dkat do doby, kdy pot\u0159ebn\u00fd obnos pen\u011bz na\u0161et\u0159\u00edte, anebo tuto povinnost vy\u0159e\u0161it jin\u00fdm zp\u016fsobem. Ale jak? Pokud jde o povinnou finan\u010dn\u00ed spolu\u00fa\u010dast, tak ji nemus\u00edte \u0159e\u0161it pouze hotov\u00fdmi pen\u011bzi, ale t\u0159eba i nemovitost\u00ed. Jestli\u017ee m\u00e1te po ruce nemovitost, kter\u00e1 m\u00e1 dostate\u010dnou nebo p\u0159\u00edpadn\u011b vy\u0161\u0161\u00ed hodnotu, ne\u017e je pot\u0159eba, m\u00e1te vyhr\u00e1no. M\u016f\u017ee se stejn\u011b tak dob\u0159e jednat o pozemek, na kter\u00e9m pl\u00e1nujete stav\u011bt, stejn\u011b tak jako o libovolnou jinou nemovitost, kter\u00e1 se stavbou nijak nesouvis\u00ed. Nav\u00edc, nemovitost ocen\u00edte i v situaci, kdy se rozhodnete po\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku. U v\u011bt\u0161iny nebankovn\u00edch hypot\u00e9k, stejn\u011b tak jako u americk\u00fdch hypot\u00e9k, je vy\u017eadov\u00e1no ru\u010den\u00ed nemovitost\u00ed. Jde hlavn\u011b o to, jak\u00e1 je aktu\u00e1ln\u00ed tr\u017en\u00ed hodnota takov\u00e9 nemovitosti. To je z\u00e1sadn\u00ed, naopak to, o jak\u00fd konkr\u00e9tn\u00ed druh nemovitosti se jedn\u00e1, je podru\u017en\u00e9. Tak\u017ee m\u016f\u017eete z\u00edskat hypot\u00e9ku na pozemek http:\/\/www.fahd.cz\/nebankovni-hypoteka\/ i hypot\u00e9ku na b\u011b\u017en\u00fd \u010di dru\u017estevn\u00ed byt. A dokonce i na nebytov\u00e9 prostory, t\u0159eba kdy\u017e jako z\u00e1stavu vyu\u017eijete v\u00fdrobn\u00ed are\u00e1l sv\u00e9 firmy, hotel, a jin\u00e9 nemovitosti. Ne v\u017edy se ov\u0161em mus\u00ed jednat o velk\u00e9 a hodnotn\u00e9 nemovitosti. V p\u0159\u00edpad\u011b, kdy pom\u00fd\u0161l\u00edte na p\u016fj\u010dku v \u0159\u00e1du n\u011bkolika des\u00edtek tis\u00edc, by byla takov\u00e1 z\u00e1stava zbyte\u010dn\u011b riskantn\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b je lep\u0161\u00ed zvolit t\u0159eba p\u016fj\u010dku na gar\u00e1\u017e anebo na zahradn\u00ed chatu.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"I pozemek m\u016f\u017ee b\u00fdt dobrou z\u00e1rukou za hypot\u00e9ku","item":"https:\/\/www.compresspr.cz\/i-pozemek-muze-byt-dobrou-zarukou-za-hypoteku\/#breadcrumbitem"}]}]