[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.luckylucky.cz\/premyslite-o-uveru-na-koupi-bytu-neobejdete-se-bez-potvrzeni-vasich-vydelku\/#Article","mainEntityOfPage":"https:\/\/www.luckylucky.cz\/premyslite-o-uveru-na-koupi-bytu-neobejdete-se-bez-potvrzeni-vasich-vydelku\/","headline":"P\u0159em\u00fd\u0161l\u00edte o \u00fav\u011bru na koupi bytu? Neobejdete se bez potvrzen\u00ed va\u0161ich v\u00fdd\u011blk\u016f.","name":"P\u0159em\u00fd\u0161l\u00edte o \u00fav\u011bru na koupi bytu? Neobejdete se bez potvrzen\u00ed va\u0161ich v\u00fdd\u011blk\u016f.","description":"P\u0159em\u00fd\u0161l\u00edte o stavb\u011b rodinn\u00e9ho domu anebo o koupi pozemku? Anebo pot\u0159ebujete aktu\u00e1ln\u011b vy\u0159e\u0161it bydlen\u00ed a sh\u00e1n\u00edte byt, kter\u00fd byste si r\u00e1di koupili do vlastnictv\u00ed? Zpravidla u koupi pozemku, bytu i… Pokra\u010dovat ve \u010dten\u00ed \"P\u0159em\u00fd\u0161l\u00edte o \u00fav\u011bru na koupi bytu? Neobejdete se bez potvrzen\u00ed va\u0161ich v\u00fdd\u011blk\u016f.\"<\/span> <\/span><\/a><\/span>","datePublished":"2019-08-16","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.luckylucky.cz\/author\/#Person","name":"luckylucky.cz\n","url":"https:\/\/www.luckylucky.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"luckylucky.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.luckylucky.cz\/wp-content\/uploads\/img_a358953_w1905_t1573138734.jpg","url":"https:\/\/www.luckylucky.cz\/wp-content\/uploads\/img_a358953_w1905_t1573138734.jpg","height":0,"width":0},"url":"https:\/\/www.luckylucky.cz\/premyslite-o-uveru-na-koupi-bytu-neobejdete-se-bez-potvrzeni-vasich-vydelku\/","about":["Finance"],"wordCount":409,"articleBody":" P\u0159em\u00fd\u0161l\u00edte o stavb\u011b rodinn\u00e9ho domu anebo o koupi pozemku? Anebo pot\u0159ebujete aktu\u00e1ln\u011b vy\u0159e\u0161it bydlen\u00ed a sh\u00e1n\u00edte byt, kter\u00fd byste si r\u00e1di koupili do vlastnictv\u00ed? Zpravidla u koupi pozemku, bytu i stavb\u011b vysn\u011bn\u00e9ho domu se neobejdete bez p\u016fj\u010dky \u010dili bez \u00fav\u011bru. \u00dav\u011br si m\u00e1te mo\u017enost sjednat u bankovn\u00ed instituce, ale takt\u00e9\u017e si m\u016f\u017eete sjednat nebankovn\u00ed hypot\u00e9ku, kter\u00e1 nem\u00edv\u00e1 tak p\u0159\u00edsn\u00e9 podm\u00ednky u dokl\u00e1d\u00e1n\u00ed v\u00fdd\u011blk\u016f. Tak\u00e9 se m\u016f\u017eete setkat s pojmem \u201ehypot\u00e9ka bez dolo\u017een\u00ed, p\u0159\u00edp. dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f\u201c, kde skute\u010dn\u011b posta\u010duje jen \u010destn\u00e9 prohl\u00e1\u0161en\u00ed klienta o tom, \u017ee bude moci poskytnut\u00fd \u00fav\u011br regul\u00e9rn\u011b umo\u0159ovat. Ale tato forma \u00fav\u011bru se t\u00fdkaj\u00ed podnikatelsk\u00fdch \u00fav\u011br\u016f. Pro v\u00e1s, pokud zrovna nepodnik\u00e1te a nem\u00e1te p\u0159\u00edjmy z podnik\u00e1n\u00ed, ale naopak jste zam\u011bstnan\u00ed v zam\u011bstnaneck\u00e9m pom\u011bru, se nab\u00edzej\u00ed hypot\u00e9ky od banky. Prokazov\u00e1n\u00ed p\u0159\u00edjm\u016f je nutn\u00e9 v p\u0159\u00edpad\u011b, \u017ee se rozhodnete sjednat bankovn\u00ed hypot\u00e9ku, a to tak, \u017ee v bance p\u0159edlo\u017e\u00edte potvrzen\u00ed sv\u00e9ho zam\u011bstnavatele o va\u0161ich p\u0159\u00edjmech. Zpravidla banky po\u017eaduj\u00ed pro celkov\u00fd p\u0159ehled ro\u010dn\u00ed hrub\u00fd a \u010dist\u00fd p\u0159\u00edjem a v\u00e1\u0161 \u010dist\u00fd p\u0159\u00edjem z posledn\u00edch t\u0159ech m\u011bs\u00edc\u016f. V\u00e1\u0161 osobn\u00ed bank\u00e9\u0159, kter\u00fd se v\u00e1m bude v\u011bnovat, v\u00e1m sd\u011bl\u00ed, za jak\u00e9 obdob\u00ed bude t\u0159eba v\u00fdd\u011blek dolo\u017eit. Probl\u00e9m by mohl nastat v p\u0159\u00edpad\u011b, \u017ee se zrovna nach\u00e1z\u00edte ve zku\u0161ebn\u00ed dob\u011b, kter\u00e1 je zpravidla u b\u011b\u017en\u00e9ho zam\u011bstnance 3 m\u011bs\u00edce od uzav\u0159en\u00ed pracovn\u00edho pom\u011bru. Probl\u00e9mem m\u016f\u017ee b\u00fdt i to, \u017ee jste podali v\u00fdpov\u011b\u010f a b\u011b\u017e\u00ed v\u00e1m v\u00fdpov\u011bdn\u00ed doba anebo m\u00e1te pracovn\u00ed pom\u011br sjednan\u00fd na dobu ur\u010ditou nap\u0159. jednoho roku. Banka mus\u00ed m\u00edt z\u00e1ruku, \u017ee poskytnutou hypot\u00e9ku budete moci spl\u00e1cet, proto se jist\u00ed t\u00edm, \u017ee jste zam\u011bstnan\u00ed a m\u00e1te stabiln\u00ed p\u0159\u00edjem. Je to i ve va\u0161em z\u00e1jmu, proto\u017ee jsou klienti, kte\u0159\u00ed si neum\u00ed spl\u00e1tky rozvrhnout a nedok\u00e1\u017e\u00ed spravedliv\u011b vyhodnotit svou finan\u010dn\u00ed situaci a mohli by se spl\u00e1cen\u00edm \u00fav\u011bru dostat do nesnadn\u00e9 finan\u010dn\u00ed situace. 4\/5 - (11 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159em\u00fd\u0161l\u00edte o \u00fav\u011bru na koupi bytu? Neobejdete se bez potvrzen\u00ed va\u0161ich v\u00fdd\u011blk\u016f.","item":"https:\/\/www.luckylucky.cz\/premyslite-o-uveru-na-koupi-bytu-neobejdete-se-bez-potvrzeni-vasich-vydelku\/#breadcrumbitem"}]}]