[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.freesia.cz\/jak-ziskat-hypoteku-na-rekreacni-objekt\/#Article","mainEntityOfPage":"https:\/\/www.freesia.cz\/jak-ziskat-hypoteku-na-rekreacni-objekt\/","headline":"Jak z\u00edskat hypot\u00e9ku na rekrea\u010dn\u00ed objekt?","name":"Jak z\u00edskat hypot\u00e9ku na rekrea\u010dn\u00ed objekt?","description":"V dne\u0161n\u00ed dob\u011b nen\u00ed snadn\u00e9 z\u00edskat schv\u00e1lenou \u017e\u00e1dost na hypot\u00e9ku. A.","datePublished":"2022-07-08","dateModified":"2023-05-18","author":{"@type":"Person","@id":"https:\/\/www.freesia.cz\/author\/#Person","name":"","url":"https:\/\/www.freesia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"freesia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.freesia.cz\/wp-content\/uploads\/pexels-pixabay-147411.jpg","url":"https:\/\/www.freesia.cz\/wp-content\/uploads\/pexels-pixabay-147411.jpg","height":0,"width":0},"url":"https:\/\/www.freesia.cz\/jak-ziskat-hypoteku-na-rekreacni-objekt\/","about":["Ekonomika"],"wordCount":408,"articleBody":"   V dne\u0161n\u00ed dob\u011b nen\u00ed snadn\u00e9 z\u00edskat schv\u00e1lenou \u017e\u00e1dost na hypot\u00e9ku. A pokud chcete hypot\u00e9ku na n\u011bco jin\u00e9ho ne\u017e na klasickou nemovitost, m\u016f\u017ee to b\u00fdt pro v\u00e1s je\u0161t\u011b t\u011b\u017e\u0161\u00ed. Hypot\u00e9ku na rekrea\u010dn\u00ed objekt, co\u017e m\u016f\u017ee b\u00fdt nap\u0159\u00edklad chata, ned\u00e1vaj\u00ed banky jen tak. Pokud nespln\u00edte stanoven\u00e9 podm\u00ednky, je dost mo\u017en\u00e9, \u017ee v\u00e1m \u017e\u00e1dost zam\u00edtnou. Nav\u00edc ne v\u0161echny banky tento typ hypot\u00e9ky v\u016fbec nab\u00edzej\u00ed. Informujte se tedy dop\u0159edu u sv\u00e9 banky ale i u jej\u00ed konkurence, abyste v\u016fbec z\u00edskali p\u0159ehled o tom, jak\u00e9 m\u00e1te mo\u017enosti a kde m\u00e1te \u0161anci usp\u011bt, pokud si pod\u00e1te \u017e\u00e1dost.Banky maj\u00ed v\u011bt\u0161inou v podm\u00ednk\u00e1ch vysokou bonitu \u017eadatele \u010di \u017eadatel\u016f. Bonita vyjad\u0159uje vlastn\u011b d\u016fv\u011bryhodnost toho, kdo \u017e\u00e1d\u00e1 \u00fav\u011br na finan\u010dn\u00edm trhu. Pokud m\u00e1te vysokou bonitu, banka v\u00e1m d\u016fv\u011b\u0159uje, \u017ee v\u0161echny p\u016fj\u010den\u00e9 pen\u00edze bez v\u011bt\u0161\u00edch obt\u00ed\u017e\u00ed splat\u00edte. Dal\u0161\u00ed podm\u00ednkou samoz\u0159ejm\u011b je, jako u v\u0161ech hypot\u00e9k, \u017ee mus\u00edte m\u00edt minim\u00e1ln\u00ed v\u011bk 18 let. V\u00e1\u0161 objekt, na kter\u00fd po\u017eadujete hypot\u00e9ku mus\u00ed m\u00edt tak\u00e9 dostate\u010dnou hodnotu.Nepo\u010d\u00edtejte ale ov\u0161em s t\u00edm, \u017ee v\u00e1m banka poskytne plnou \u010d\u00e1stku. V\u011bt\u0161ina v\u00e1m poskytne maxim\u00e1ln\u011b 80 % z po\u017eadovan\u00e9 hodnoty na rekrea\u010dn\u00ed objekt. Proto se p\u0159ipravte, \u017ee budete muset k hypot\u00e9ce je\u0161t\u011b n\u011bco na\u0161et\u0159it, abyste zvl\u00e1dli pokr\u00fdt celou \u010d\u00e1stku, kterou budete muset p\u0159i zakoupen\u00ed zaplatit.V\u011bt\u0161ina spole\u010dnost\u00ed, kter\u00e9 v\u00e1m mohou poskytnout financov\u00e1n\u00ed maj\u00ed tak\u00e9 podm\u00ednku, \u017ee v\u00e1\u0161 objekt mus\u00ed b\u00fdt zaps\u00e1n v katastru nemovitost\u00ed, tedy \u017ee m\u00e1 p\u0159id\u011blen\u00e9 eviden\u010dn\u00ed \u010d\u00edslo.Pokud se v\u00e1m nepoda\u0159\u00ed od banky z\u00edskat schv\u00e1lenou \u017e\u00e1dost pro tento tip hypot\u00e9ky, dal\u0161\u00ed mo\u017enost\u00ed pro v\u00e1s m\u016f\u017ee b\u00fdt nebankovn\u00ed spole\u010dnost, kter\u00e1 v\u00e1m m\u016f\u017ee takovou hypot\u00e9ku poskytnout. Nebankovn\u00ed spole\u010dnosti obvykle nemaj\u00ed tak p\u0159\u00edsn\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky, jako banky, tud\u00ed\u017e m\u00e1te v\u011bt\u0161\u00ed \u0161anci ne\u017e u bankovn\u00ed spole\u010dnosti. Mus\u00edte jen po\u010d\u00edtat, \u017ee pravd\u011bpodobn\u011b nebudete m\u00edt tak v\u00fdhodn\u00e9 podm\u00ednky, jako u bankovn\u00ed spole\u010dnosti.                                                                                                                                                                                                                                                                                                                                                                                                  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