[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lanna.cz\/hypoteky-pro-mlade-rodiny\/#Article","mainEntityOfPage":"https:\/\/www.lanna.cz\/hypoteky-pro-mlade-rodiny\/","headline":"Hypot\u00e9ky pro mlad\u00e9 rodiny","name":"Hypot\u00e9ky pro mlad\u00e9 rodiny","description":"B\u011bhem posledn\u00edch dvou let do\u0161lo k rapidn\u00edmu zt\u00ed\u017een\u00ed podm\u00ednek pro p\u0159id\u011blen\u00ed hypot\u00e9k od bank. Je\u0161t\u011b p\u0159ed dv\u011bma lety jste mohli dostat tzv. stoprocentn\u00ed hypot\u00e9ku, to znamenalo, \u017ee jste nemuseli m\u00edt \u017e\u00e1dn\u00e9 \u00faspory a celou koupi nemovitosti v\u00e1m pokryla hypot\u00e9ka. Pot\u00e9 se to sn\u00ed\u017eilo na devades\u00e1t procent, to znamen\u00e1, \u017ee deset procent z ceny nemovitosti jste […]","datePublished":"2019-04-06","dateModified":"2019-04-06","author":{"@type":"Person","@id":"https:\/\/www.lanna.cz\/author\/#Person","name":"","url":"https:\/\/www.lanna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lanna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lanna.cz\/wp-content\/uploads\/img_a343186_w2616_t1556363834.jpg","url":"https:\/\/www.lanna.cz\/wp-content\/uploads\/img_a343186_w2616_t1556363834.jpg","height":0,"width":0},"url":"https:\/\/www.lanna.cz\/hypoteky-pro-mlade-rodiny\/","wordCount":435,"articleBody":" B\u011bhem posledn\u00edch dvou let do\u0161lo k rapidn\u00edmu zt\u00ed\u017een\u00ed podm\u00ednek pro p\u0159id\u011blen\u00ed hypot\u00e9k od bank. Je\u0161t\u011b p\u0159ed dv\u011bma lety jste mohli dostat tzv. stoprocentn\u00ed hypot\u00e9ku, to znamenalo, \u017ee jste nemuseli m\u00edt \u017e\u00e1dn\u00e9 \u00faspory a celou koupi nemovitosti v\u00e1m pokryla hypot\u00e9ka. Pot\u00e9 se to sn\u00ed\u017eilo na devades\u00e1t procent, to znamen\u00e1, \u017ee deset procent z ceny nemovitosti jste museli m\u00edt vlastn\u00ed a dnes u\u017e banky necht\u011bj\u00ed p\u0159id\u011blit v\u00edce jak osmdes\u00e1tiprocentn\u00ed hypot\u00e9ku. Ov\u0161em b\u00fdt v dne\u0161n\u00ed dob\u011b mlad\u00fd \u010dlov\u011bk hledaj\u00edc\u00ed vhodn\u00e9 bydlen\u00ed a m\u00edt naspo\u0159eno alespo\u0148 dvacet procent z ceny nemovitosti je t\u00e9m\u011b\u0159 nemo\u017en\u00e9. Proto tak\u00e9 zareagoval st\u00e1t a nab\u00eddl  , tzv. st\u00e1tn\u00ed hypot\u00e9ku, kde se \u00farok pohybuje kolem jednoho procenta. Jej\u00ed p\u0159id\u011blen\u00ed m\u00e1 ale sv\u00e9 podm\u00ednky. Nesm\u00ed v\u00e1m b\u00fdt v\u00edce ne\u017e 36 let a mus\u00edte b\u00fdt man\u017eel\u00e9 nebo registrovan\u00ed partne\u0159i, Pokud nejste s partnerem v man\u017eelsk\u00e9m svazku nebo registrovan\u00ed, mus\u00edte spolu alespo\u0148 vychov\u00e1vat d\u00edt\u011b do patn\u00e1cti let. Ov\u0161em ani v\u00fd\u0161e hypot\u00e9ky nen\u00ed neomezen\u00e1, co\u017e je asi ten nejv\u011bt\u0161\u00ed probl\u00e9m u st\u00e1tn\u00edch hypot\u00e9k, maxim\u00e1ln\u00ed \u010d\u00e1stka toti\u017e ve m\u011bstech nepokryje ani polovinu prodejn\u00ed ceny nemovitosti. Na koupi \u010di stavbu domu m\u016f\u017eete dostat maxim\u00e1ln\u00ed \u010d\u00e1stku dva miliony korun, na koupi bytu m\u016f\u017eete dostat maxim\u00e1ln\u011b 1,2 milionu korun anebo je tady je\u0161t\u011b mo\u017enost rekonstrukce bytu \u010di domu, na kterou m\u016f\u017eete dostat \u010d\u00e1stku a\u017e 300 tis\u00edc korun. Jakmile byl program st\u00e1tn\u00edch hypot\u00e9k 15. srpna 2018 spu\u0161t\u011bn, byl nejv\u011bt\u0161\u00ed z\u00e1jem pr\u00e1v\u011b o pen\u00edze na rekonstrukci domu \u010di bytu. St\u00e1tn\u00ed hypot\u00e9ka nab\u00edz\u00ed je\u0161t\u011b dal\u0161\u00ed \u0159adu v\u00fdhod oproti bank\u00e1m. Nap\u0159\u00edklad v dob\u011b dlouhodob\u00e9 nemoci si m\u016f\u017eete prodlou\u017eit d\u00e9lku splatnosti a\u017e o n\u011bkolik let nebo a\u017e dva roky nemus\u00edte hypot\u00e9ku v\u016fbec spl\u00e1cet. Tak\u00e9 si m\u016f\u017eete ode\u010d\u00edst \u010d\u00e1stku t\u0159icet tis\u00edc korun z hypot\u00e9ky za ka\u017ed\u00e9 narozen\u00e9 \u010di osvojen\u00e9 d\u00edt\u011b. V\u00fdhodou je tak\u00e9 to, \u017ee \u00fav\u011br od st\u00e1tu m\u016f\u017eete \u010derpat spole\u010dn\u011b s hypot\u00e9kou od banky, v tomto p\u0159\u00edpad\u011b ale m\u016f\u017ee nastat probl\u00e9m se z\u00e1stavn\u00edm pr\u00e1vem, kdy st\u00e1t po\u017eaduje b\u00fdt na prvn\u00edm m\u00edst\u011b v z\u00e1stav\u011b, na co\u017e v\u011bt\u0161ina bank nen\u00ed ochotna p\u0159istoupit.                                                                                                                                                                                                                                                                                                                                                                                                 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