[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.alisen.cz\/jak-je-to-s-hypotekou-na-stavbu-domu\/#Article","mainEntityOfPage":"https:\/\/www.alisen.cz\/jak-je-to-s-hypotekou-na-stavbu-domu\/","headline":"Jak je to s hypot\u00e9kou na stavbu domu ?","name":"Jak je to s hypot\u00e9kou na stavbu domu ?","description":"Hypot\u00e9ka na stavbu domu se na rozd\u00edl od klasick\u00e9 p\u016fj\u010dky, kter\u00e1 je ur\u010dena nap\u0159\u00edklad ke klasick\u00e9 koupi nemovitosti \u010derp\u00e1 postupn\u011b nikoliv v\u0161ak najednou. Tak\u017ee podle toho, jak postupuje stavba dan\u00e9ho pozemku v\u00e1m dan\u00e1 banka bude pen\u00edze uvol\u0148ovat pr\u016fb\u011b\u017en\u011b. Aby si banky byly jist\u00e9, \u017ee v\u0161e prob\u00edh\u00e1 tak jak m\u00e1 a hypot\u00e9ku vyu\u017e\u00edv\u00e1te skute\u010dn\u011b ke stavb\u011b, […]","datePublished":"2022-02-28","dateModified":"2022-02-28","author":{"@type":"Person","@id":"https:\/\/www.alisen.cz\/author\/#Person","name":"","url":"https:\/\/www.alisen.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"alisen.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.alisen.cz\/wp-content\/uploads\/hypoteka-na-stavbu-domu-kontrola_1.jpg","url":"https:\/\/www.alisen.cz\/wp-content\/uploads\/hypoteka-na-stavbu-domu-kontrola_1.jpg","height":0,"width":0},"url":"https:\/\/www.alisen.cz\/jak-je-to-s-hypotekou-na-stavbu-domu\/","about":["Online"],"wordCount":406,"articleBody":"        Hypot\u00e9ka na stavbu domu se na rozd\u00edl od klasick\u00e9 p\u016fj\u010dky, kter\u00e1 je ur\u010dena nap\u0159\u00edklad ke klasick\u00e9 koupi nemovitosti \u010derp\u00e1 postupn\u011b nikoliv v\u0161ak najednou. Tak\u017ee podle toho, jak postupuje stavba dan\u00e9ho pozemku v\u00e1m dan\u00e1 banka bude pen\u00edze uvol\u0148ovat pr\u016fb\u011b\u017en\u011b. Aby si banky byly jist\u00e9, \u017ee v\u0161e prob\u00edh\u00e1 tak jak m\u00e1 a hypot\u00e9ku vyu\u017e\u00edv\u00e1te skute\u010dn\u011b ke stavb\u011b, bude na cel\u00fd pr\u016fb\u011bh va\u0161\u00ed stavby dohl\u00ed\u017eet tzv. odhadce. Odhadce je osoba, kter\u00e1 bude po\u010das cel\u00e9 stavby dohl\u00ed\u017eet na ceny a pen\u00edze kter\u00e9 se utrat\u00ed. Co se t\u00fd\u010de spl\u00e1tek hypot\u00e9ky, jedna z prvn\u00edch spl\u00e1tek, se spl\u00e1c\u00ed cca za dva roky ode dne vyd\u00e1n\u00ed hypot\u00e9ky. A to d\u00edky tomu, \u017ee v\u00e1m je dan\u00e1 hypote\u010dn\u00ed \u010d\u00e1stka vyd\u00e1na postupn\u011b. Tud\u00ed\u017e v\u017edy se spl\u00e1c\u00ed pouze ta \u010d\u00e1stka, kterou v\u00e1m banka zrovna uvoln\u00ed. K tomuto typu hypot\u00e9ky si p\u0159ipravte p\u0159edev\u0161\u00edm – projektovou dokumentaci, rozpo\u010det stavby a stavebn\u00ed povolen\u00ed. Rozpo\u010det stavby bude pot\u0159eba aby si mohla banka vypo\u010d\u00edtat zda odpov\u00edd\u00e1 rozpo\u010det dan\u00e9 \u010d\u00e1stce kterou si chcete p\u016fj\u010dit. – Jedno z hlavn\u00edch pravidel je \u017ee o hypot\u00e9ku si mohou \u017e\u00e1dat osoby 18 – 68 let, osoby star\u0161\u00ed 70 let si sice tak\u00e9 mohou o hypot\u00e9ku za\u017e\u00e1dat, ale hroz\u00ed jim riziko rychl\u00e9 spl\u00e1tky a to znamen\u00e1, \u017ee banka bude cht\u00edt hypot\u00e9ku splatit co nejd\u0159\u00edve. Pen\u00edze z dan\u00e9 hypot\u00e9ky v\u00e1m banka v\u011bt\u0161inou za\u010dne uvol\u0148ovat po dvou t\u00fddnech od pod\u00e1n\u00ed \u017e\u00e1dosti.K pod\u00e1n\u00ed \u017e\u00e1dosti budete pot\u0159ebovat – doklad toto\u017enosti, mzdov\u00e9 listy a n\u00e1sledn\u011b dokumenty o nemovitosti (typy dokument\u016f jsou ji\u017e zm\u00edn\u011bn\u00fd v\u00fd\u0161e v \u010dl\u00e1nku) – Pamatujte si v\u0161ak \u017ee je\u0161t\u011b p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti o hypot\u00e9ku na stavbu domu si mus\u00edte za\u0159\u00eddit kde chcete stav\u011bt– Tak\u017ee dal\u0161\u00ed pot\u0159ebn\u00fd \u00fadaj je, kde chcete stav\u011bt a jestli m\u00e1te stavebn\u00ed povolen\u00ed. A\u017e budete vypisovat stavebn\u00ed rozpo\u010det, v\u017edy je dobr\u00e9 si nechat poradit od osoby kter\u00e1 tomu skute\u010dn\u011b rozum\u00ed. Shrnut\u00ed : \u017d\u00e1dat mohou osoby od 18 let do 68 let Budete pot\u0159ebovat ve\u0161ker\u00e9 pl\u00e1ny stavby a hlavn\u011b rozpo\u010det Pen\u00edze z hypot\u00e9ky nedostanete najednou ale postupn\u011b                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak je to s hypot\u00e9kou na stavbu domu ?","item":"https:\/\/www.alisen.cz\/jak-je-to-s-hypotekou-na-stavbu-domu\/#breadcrumbitem"}]}]