[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.duave.cz\/vzit-nebo-nevzit\/#Article","mainEntityOfPage":"https:\/\/www.duave.cz\/vzit-nebo-nevzit\/","headline":"Vz\u00edt nebo nevz\u00edt?","name":"Vz\u00edt nebo nevz\u00edt?","description":"Hypot\u00e9ka je ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f jedin\u00e1 cesta k vlastn\u00edmu bydlen\u00ed. M\u00e1lokdo si dnes m\u016f\u017ee koupit byt nebo d\u016fm, ani\u017e by si hypot\u00e9ku musel vz\u00edt. V\u011bt\u0161ina lid\u00ed se bez hypot\u00e9ky neobejde. Jen\u017ee nen\u00ed snadn\u00e9 z\u00edskat ani hypot\u00e9ku, proto\u017ee banky zp\u0159\u00edsnily podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed. Nov\u011b je nutn\u00e9 m\u00edt naspo\u0159enou ur\u010ditou \u010d\u00e1stku, d\u016fm k rekonstrukci a nebo","datePublished":"2025-12-23","dateModified":"2025-12-23","author":{"@type":"Person","@id":"https:\/\/www.duave.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.duave.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"duave.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.duave.cz\/wp-content\/uploads\/money-2724245_640_10_10_10_10_10_10_10_10_10_10_10_10_8.jpg","url":"https:\/\/www.duave.cz\/wp-content\/uploads\/money-2724245_640_10_10_10_10_10_10_10_10_10_10_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.duave.cz\/vzit-nebo-nevzit\/","about":["Pen\u00edze"],"wordCount":421,"articleBody":"       Hypot\u00e9ka je ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f jedin\u00e1 cesta k vlastn\u00edmu bydlen\u00ed. M\u00e1lokdo si dnes m\u016f\u017ee koupit byt nebo d\u016fm, ani\u017e by si hypot\u00e9ku musel vz\u00edt. V\u011bt\u0161ina lid\u00ed se bez hypot\u00e9ky neobejde. Jen\u017ee nen\u00ed snadn\u00e9 z\u00edskat ani hypot\u00e9ku, proto\u017ee banky zp\u0159\u00edsnily podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed. Nov\u011b je nutn\u00e9 m\u00edt naspo\u0159enou ur\u010ditou \u010d\u00e1stku, d\u016fm k rekonstrukci a nebo stavebn\u00ed pozemek. To zna\u010dn\u011b zt\u011b\u017euje mnoha lidem cestu k vlastn\u00edmu bydlen\u00ed. Kdo plat\u00ed n\u00e1jem, jen t\u011b\u017eko si na\u0161et\u0159\u00ed 10 – 20 % z celkov\u00e9 \u010d\u00e1stky hypot\u00e9ky. Ned\u00edlnou sou\u010d\u00e1st\u00ed hypot\u00e9ky jsou \u00faroky. Ka\u017ed\u00e1 hypot\u00e9ka se skl\u00e1d\u00e1 ze t\u0159\u00ed slo\u017eek. Prvn\u00ed tvo\u0159\u00ed jistina, co\u017e je vyp\u016fj\u010den\u00e1 \u010d\u00e1stka. K t\u00e9to \u010d\u00e1stce se p\u0159i\u010d\u00edtaj\u00ed \u00faroky a kone\u010dn\u011b se dost\u00e1v\u00e1me k posledn\u00ed \u010d\u00e1sti spl\u00e1tky, co\u017e je poji\u0161t\u011bn\u00ed neschopnosti spl\u00e1cet, co\u017e vy\u017eaduje dnes u\u017e snad ka\u017ed\u00e1 banka p\u0159i sjedn\u00e1v\u00e1n\u00ed hypot\u00e9ky. \u00daroky maj\u00ed pro klienty banky tu nev\u00fdhodu, \u017ee se m\u011bn\u00ed. Fixovat \u00faroky je mo\u017en\u00e9 maxim\u00e1ln\u011b na 7 let, ale dnes se banky p\u0159ikl\u00e1n\u011bj\u00ed sp\u00ed\u0161e ke kr\u00e1tkodob\u011bj\u0161\u00ed fixaci. Fixace je doba, po kterou m\u00e1te zaji\u0161t\u011bn\u00e9 \u00faroky ve stejn\u00e9 v\u00fd\u0161i. Je\u0161t\u011b p\u0159ed covidem byly \u00farokov\u00e9 sazby okolo dvou procent. Dnes jsou na v\u00edce ne\u017e dvojn\u00e1sobku. Komu letos kon\u010d\u00ed fixace, m\u016f\u017ee po\u010d\u00edtat s t\u00edm, \u017ee se mu spl\u00e1tka hypot\u00e9ky prodra\u017e\u00ed o tis\u00edce korun. \u00darokov\u00e9 sazby hypot\u00e9k jsou dnes v\u011bt\u0161inou v rozmez\u00ed 4 a\u017e 7 procent, co\u017e prodra\u017e\u00ed spl\u00e1tky ka\u017ed\u00e9mu, od te\u010f bude \u0159e\u0161it refinancov\u00e1n\u00ed.Jak z\u00edskat ni\u017e\u0161\u00ed \u00faroky? Ka\u017ed\u00fd chce m\u00edt co nejni\u017e\u0161\u00ed spl\u00e1tku, proto\u017ee u\u017e tak jsou nemovitosti drah\u00e9, kv\u016fli \u010demu\u017e si lid\u00e9 musej\u00ed p\u016fj\u010dovat miliony korun. Spl\u00e1tky se pohybuj\u00ed ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f v \u0159\u00e1du 10-30 tis\u00edc korun v z\u00e1vislosti na tom, jak vysokou \u010d\u00e1stku si \u010dlov\u011bk p\u016fj\u010duje. Proto rozhoduje ka\u017ed\u00e1 koruna. Rozhodn\u011b je d\u016fle\u017eit\u00e9 za\u010d\u00edt \u0159e\u0161it refinancov\u00e1n\u00ed je\u0161t\u011b p\u0159edt\u00edm, ne\u017e v\u00e1m banka po\u0161le nov\u00fd v\u00fdm\u011br spl\u00e1tek. V\u010das si zaji\u0161t\u011bn\u00e9 hypote\u010dn\u00edho specialistu, kter\u00fd pro v\u00e1s se\u017eene ty nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vz\u00edt nebo nevz\u00edt?","item":"https:\/\/www.duave.cz\/vzit-nebo-nevzit\/#breadcrumbitem"}]}]