[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.radok.cz\/je-urokova-sazba-u-hypoteky-skutecne-to-nejdulezitejsi\/#Article","mainEntityOfPage":"https:\/\/www.radok.cz\/je-urokova-sazba-u-hypoteky-skutecne-to-nejdulezitejsi\/","headline":"Je \u00farokov\u00e1 sazba u hypot\u00e9ky skute\u010dn\u011b to nejd\u016fle\u017eit\u011bj\u0161\u00ed?","name":"Je \u00farokov\u00e1 sazba u hypot\u00e9ky skute\u010dn\u011b to nejd\u016fle\u017eit\u011bj\u0161\u00ed?","description":"Nen\u00ed pochyb o tom, \u017ee prakticky ka\u017ed\u00fd mlad\u00fd \u010dlov\u011bk sn\u00ed o tom, \u017ee bude m\u00edt vlastn\u00ed d\u016fm \u010di byt. A je to pochopiteln\u00e9. Nebude se tak muset b\u00e1t, \u017ee mu majitel neprodlou\u017e\u00ed smlouvu a bude m\u00edt tak\u00e9 mnohem voln\u011bj\u0161\u00ed ruku, co se t\u00fd\u010de nejr\u016fzn\u011bj\u0161\u00edch \u00faprav. Ceny nemovitost\u00ed jsou v\u0161ak tak","datePublished":"2021-01-17","dateModified":"2023-05-25","author":{"@type":"Person","@id":"https:\/\/www.radok.cz\/author\/#Person","name":"","url":"https:\/\/www.radok.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"radok.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.radok.cz\/wp-content\/uploads\/hypoteka2_10_10_10_2.jpg","url":"https:\/\/www.radok.cz\/wp-content\/uploads\/hypoteka2_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.radok.cz\/je-urokova-sazba-u-hypoteky-skutecne-to-nejdulezitejsi\/","about":["Pen\u00edze"],"wordCount":432,"articleBody":"   Nen\u00ed pochyb o tom, \u017ee prakticky ka\u017ed\u00fd mlad\u00fd \u010dlov\u011bk sn\u00ed o tom, \u017ee bude m\u00edt vlastn\u00ed d\u016fm \u010di byt. A je to pochopiteln\u00e9. Nebude se tak muset b\u00e1t, \u017ee mu majitel neprodlou\u017e\u00ed smlouvu a bude m\u00edt tak\u00e9 mnohem voln\u011bj\u0161\u00ed ruku, co se t\u00fd\u010de nejr\u016fzn\u011bj\u0161\u00edch \u00faprav.Ceny nemovitost\u00ed jsou v\u0161ak tak vysok\u00e9, \u017ee pro mnoho lit\u00ed to z\u016fstane jenom snem. Jist\u011b, jedn\u00e1 se o omezenou komoditu, kter\u00e1 je nav\u00edc velmi \u017e\u00e1dan\u00e1. Stavba domu samotn\u00e9ho tak\u00e9 rozhodn\u011b nen\u00ed zadarmo. Av\u0161ak to nic nem\u011bn\u00ed na tom, \u017ee v\u011bt\u0161ina oby\u010dejn\u00fdch lid\u00ed si je zkr\u00e1tka nem\u016f\u017ee dovolit, ne bez mnoha let \u0161et\u0159en\u00ed. A do t\u00e9 doby bude vysn\u011bn\u00fd d\u016fm nebo byt prodan\u00fd.Na\u0161t\u011bst\u00ed existuje \u0159e\u0161en\u00ed v podob\u011b hypot\u00e9ky. To je \u00fa\u010delov\u00e1 p\u016fj\u010dka, ur\u010den\u00e1 ke koupi nebo rekonstrukci konkr\u00e9tn\u00ed, p\u0159edem dan\u00e9 nemovitosti. Je poskytov\u00e1na jak bankami, tak nebankovn\u00edmi spole\u010dnostmi, a je j\u00ed mnoho typ\u016f. Ty se li\u0161\u00ed jak podm\u00ednkami, kter\u00e9 mus\u00ed \u017eadatel spl\u0148ovat, tak v\u00fd\u0161\u00ed \u00farok\u016f a jin\u00fdch poplatk\u016f.Je samoz\u0159ejm\u00e9, \u017ee \u010dlov\u011bk chce tu, kter\u00e1 je nejlevn\u011bj\u0161\u00ed. Je to pochopiteln\u00e9, av\u0161ak jak poznat, kter\u00e1 to je? Ukazatelem, kter\u00fd pou\u017e\u00edv\u00e1 v\u011bt\u0161ina lid\u00ed, je \u00farokov\u00e1 sazba americkahypoteka.cz. D\u00edky n\u00ed si m\u016f\u017eeme vypo\u010d\u00edtat, o kolik v\u00edce zaplat\u00edme oproti tomu, kolik pen\u011bz jsme dostali. A je samoz\u0159ejm\u00e9, \u017ee zaplat\u00edme v\u00edc, p\u0159eci jen, ani poskytovatel to ned\u011bl\u00e1 zadarmo.Je to v\u0161ak cel\u00e1 \u010d\u00e1stka nav\u00edc? Jen m\u00e1lokdo si uv\u011bdomuje, \u017ee v\u00fd\u0161e \u00faroku nen\u00ed a\u017e tak vypov\u00eddaj\u00edc\u00ed, jak se n\u00e1m sna\u017e\u00ed reklamy namluvit. Je toti\u017e pot\u0159eba uv\u00e1\u017eit i dal\u0161\u00ed faktory.Jedn\u00edm z t\u011bch d\u016fle\u017eit\u00fdch, av\u0161ak \u010dasto opom\u00ednan\u00fdch, je RSPN, tedy ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. A pr\u00e1v\u011b ta tvo\u0159\u00ed \u010dasto nejv\u011bt\u0161\u00ed \u010d\u00e1stku, kterou zaplat\u00edme nav\u00edc. Co je platn\u00e9, \u017ee \u00farok je pouh\u00e1 3 %, kdy\u017e v\u00fd\u0161e RSPN je 13 %?Dal\u0161\u00edm, na co je t\u0159eba se pod\u00edvat, jsou nejr\u016fzn\u011bj\u0161\u00ed poplatky. Za co v\u0161e se zde plat\u00ed? A jak\u00e9 jsou ty \u010d\u00e1stky? V p\u0159\u00edpad\u011b, \u017ee nebudeme opatrn\u00ed, mohou n\u00e1m i tyto p\u011bkn\u011b nar\u016fst.Je tedy dobr\u00e9 si \u0159\u00e1dn\u011b v\u0161e pro\u010d\u00edst a spo\u010d\u00edtat, ne\u017e se pro n\u011bkterou rozhodneme. Vyhneme se t\u00edm budouc\u00edm o\u0161kliv\u00fdm p\u0159ekvapen\u00edm.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je \u00farokov\u00e1 sazba u hypot\u00e9ky skute\u010dn\u011b to nejd\u016fle\u017eit\u011bj\u0161\u00ed?","item":"https:\/\/www.radok.cz\/je-urokova-sazba-u-hypoteky-skutecne-to-nejdulezitejsi\/#breadcrumbitem"}]}]