[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.niber.cz\/pojmy-v-oblasti-hypotek\/#Article","mainEntityOfPage":"https:\/\/www.niber.cz\/pojmy-v-oblasti-hypotek\/","headline":"Pojmy v oblasti hypot\u00e9k","name":"Pojmy v oblasti hypot\u00e9k","description":"R\u00e1da bych s v\u00e1mi probrala pojmy, se kter\u00fdmi se m\u016f\u017eete setkat v oblasti hypot\u00e9k: Podnikatelsk\u00fd \u00fav\u011br https:\/\/www.cmss.cz\/kalkulacky\/uver-ze-stavebniho-sporeni \u2013 tento druh \u00fav\u011bru je poskytov\u00e1n podnikatel\u016fm, zejm\u00e9na na rozjezd jejich podnik\u00e1n\u00ed nebo realizov\u00e1n\u00ed nov\u00e9ho projektu Hypot\u00e9ka na vyrovn\u00e1n\u00ed d\u011bdictv\u00ed \u2013 hypot\u00e9ka, kter\u00e1 slou\u017e\u00ed k vyrovn\u00e1n\u00ed d\u011bdictv\u00ed v d\u011bdick\u00e9m \u0159\u00edzen\u00ed v p\u0159\u00edpad\u011b, jestli\u017ee dojde ve va\u0161\u00ed rodin\u011b k […]","datePublished":"2023-08-21","dateModified":"2023-09-26","author":{"@type":"Person","@id":"https:\/\/www.niber.cz\/author\/#Person","name":"","url":"https:\/\/www.niber.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"niber.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.niber.cz\/wp-content\/uploads\/money-2696229_640_10_1.jpg","url":"https:\/\/www.niber.cz\/wp-content\/uploads\/money-2696229_640_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.niber.cz\/pojmy-v-oblasti-hypotek\/","about":["Finance"],"wordCount":497,"articleBody":"      R\u00e1da bych s v\u00e1mi probrala pojmy, se kter\u00fdmi se m\u016f\u017eete setkat v oblasti hypot\u00e9k:Podnikatelsk\u00fd \u00fav\u011br  https:\/\/www.cmss.cz\/kalkulacky\/uver-ze-stavebniho-sporeni \u2013 tento druh \u00fav\u011bru je poskytov\u00e1n podnikatel\u016fm, zejm\u00e9na na rozjezd jejich podnik\u00e1n\u00ed nebo realizov\u00e1n\u00ed nov\u00e9ho projektuHypot\u00e9ka na vyrovn\u00e1n\u00ed d\u011bdictv\u00ed \u2013 hypot\u00e9ka, kter\u00e1 slou\u017e\u00ed k vyrovn\u00e1n\u00ed d\u011bdictv\u00ed v d\u011bdick\u00e9m \u0159\u00edzen\u00ed v p\u0159\u00edpad\u011b, jestli\u017ee dojde ve va\u0161\u00ed rodin\u011b k \u00famrt\u00edV\u011bcn\u00e9 b\u0159emeno \u2013 je to v\u011bcn\u00e9 pr\u00e1vo k v\u011bci, kter\u00e1 je ale vlastn\u00edkem n\u011bkoho jin\u00e9ho, je to tzv. omezen\u00ed vlastn\u00edka v\u011bci ve prosp\u011bch jin\u00e9 osoby.Amortizace \u2013 opot\u0159eben\u00ed, kter\u00e9 je nutno zapo\u010d\u00edtat do n\u00e1klad\u016f, v\u011bt\u0161inou jde o automobilySpoludlu\u017en\u00edk \u2013 je ve smlouv\u011b o \u00fav\u011bru uv\u00e1d\u011bn spole\u010dn\u011b s dlu\u017en\u00edkemLine\u00e1rn\u00ed spl\u00e1cen\u00ed \u2013 zde se nem\u011bn\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkaDomicilace \u2013 p\u0159\u00edjmy klienta jsou p\u0159ev\u00e1d\u011bny na \u00fa\u010det banky, kter\u00e1 mu \u00fav\u011br poskytla, klient m\u016f\u017ee t\u00edmto zp\u016fsobem z\u00edskat mnohem v\u00fdhodn\u011bj\u0161\u00ed \u00farokV\u00fddaje klienta \u2013 pro banku jsou va\u0161e v\u00fddaje d\u016fle\u017eit\u00e9 jako va\u0161e p\u0159\u00edjmyP\u0159edm\u011bt zaji\u0161t\u011bn\u00ed \u2013 nej\u010dast\u011bji je p\u0159edm\u011btem zaji\u0161t\u011bn\u00ed z\u00e1stava nemovitostiHypot\u00e9ka na pron\u00e1jem \u2013 jedn\u00e1 se o koupi nemovitosti, kterou bude pot\u00e9 majitel pronaj\u00edmat \u2013 v\u00fdhodn\u00fd pasivn\u00ed p\u0159\u00edjemZelen\u00e1 hypot\u00e9ka \u2013 program, kter\u00fd bere na v\u011bdom\u00ed i ekologickou str\u00e1nku, aby nemovitost neohrozila \u017eivotn\u00ed prost\u0159ed\u00edVariabiln\u00ed \u00farokov\u00e1 sazba \u2013 je ovlivn\u011bn\u00e1 v\u00fdvojem \u00farokov\u00fdch sazeb na finan\u010dn\u00edch trz\u00edchFixn\u00ed \u00farokov\u00e1 sazba \u2013 stejn\u00e1 v\u00fd\u0161e spl\u00e1tek ka\u017ed\u00fd m\u011bs\u00edcZnaleck\u00fd posudek \u2013 znalec ur\u010den\u00fd soudem nebo Ministerstvem financ\u00ed mus\u00ed posoudit stav nemovitosti a jej\u00ed kupn\u00ed cenuPoji\u0161t\u011bn\u00ed z\u00e1stavy \u2013 z\u00e1kladn\u00ed po\u017eadavek v\u0161ech bank i nebankovn\u00edch spole\u010dnost\u00ed, pojistit se d\u00e1 jak\u00e1koliv nemovitost, poji\u0161t\u011bn\u00ed pokryje \u0161kody na nemovitostiMimo\u0159\u00e1dn\u00e1 spl\u00e1tka \u2013 je mimo spl\u00e1tkov\u00fd kalend\u00e1\u0159 \u2013 t\u00edmto m\u016f\u017eete sn\u00ed\u017eit jistinu a sn\u00ed\u017een\u00edm jistiny dojde ke sn\u00ed\u017een\u00ed \u00faroku\u00dav\u011brov\u00fd \u00fa\u010det \u2013 tento \u00fav\u011brov\u00fd \u00fa\u010det slou\u017e\u00ed jako z\u00e1znam, najdete zde informace o tom, jakou sumu jste si p\u016fj\u010dili, jak\u00e1 je doba splatnosti a jak\u00fd je \u00fav\u011brov\u00fd r\u00e1mecSpole\u010dn\u00e9 jm\u011bn\u00ed man\u017eel\u016f \u2013 jm\u011bn\u00ed, kter\u00e9 je v man\u017eelstv\u00ed spole\u010dn\u00e9 pro oba \u2013 vznik\u00e1 uzav\u0159en\u00edm man\u017eelstv\u00ed, spad\u00e1 v\u0161e, co bylo po dobu man\u017eelstv\u00ed nabyto jedn\u00edm z man\u017eel\u016f, vztahuje se i na z\u00e1vazkyRegistr dlu\u017en\u00edk\u016f \u2013 evidence osob, kter\u00e9 nespl\u00e1cej\u00ed sv\u00e9 z\u00e1vazkyPokud se chcete dozv\u011bd\u011bt v\u00edce slovn\u00edku pojm\u016f, nebo v\u00e1s zaj\u00edm\u00e1 problematika hypot\u00e9k a p\u016fj\u010dek, nav\u0161tivte str\u00e1nku Hypot\u00e9ky bez registru.                                                                                                                     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