{"id":3710,"date":"2013-08-10T13:56:19","date_gmt":"2013-08-10T13:56:19","guid":{"rendered":"https:\/\/www.volawyers.com\/hypotecni-uvery-ve-spanelsku\/"},"modified":"2023-08-10T12:30:08","modified_gmt":"2023-08-10T12:30:08","slug":"hypotecni-uvery-ve-spanelsku","status":"publish","type":"page","link":"https:\/\/www.volawyers.com\/cs\/caste-otazky\/hypotecni-uvery-ve-spanelsku\/","title":{"rendered":"Hypote\u010dn\u00ed \u00fav\u011bry ve \u0160pan\u011blsku"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left 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fusion-title-size-one\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:var(--awb-color3);\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h1 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;text-transform:none;\">Hypote\u010dn\u00ed \u00fav\u011bry ve \u0160pan\u011blsku<\/h1><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:var(--awb-color3);\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-transform:none;\"><h3>\u2013\u00a0 Mohu nemovitost bance odevzdat a zru\u0161it t\u00edm sv\u016fj dluh v p\u0159\u00edpad\u011b, \u017ee nejsem schopen hypot\u00e9ku spl\u00e1cet?<\/h3>\n<p>Ano. Ov\u0161em odhadn\u00ed cena nemovitosti v moment\u011b odevzd\u00e1n\u00ed mus\u00ed b\u00fdt stejn\u00e1 nebo p\u0159evy\u0161ovat st\u00e1vaj\u00edc\u00ed dluh.\u00a0 V opa\u010dn\u00e9m p\u0159\u00edpad\u011b by p\u0159evod nemovitosti na banku dluh pon\u00ed\u017eil, ale nezru\u0161il. \u0158e\u010deno jinak: odevzd\u00e1n\u00ed nemovitosti bance automaticky neznamen\u00e1 \u00fapln\u00e9 zru\u0161en\u00ed st\u00e1vaj\u00edc\u00edho dluhu.<\/p>\n<h3>\u00a0\u2013 Sta\u010d\u00ed pouze ozn\u00e1mit bance rozhodnut\u00ed o odevzd\u00e1n\u00ed nemovitosti?<\/h3>\n<p>Ne. Je nutn\u00e9 podepsat odpov\u00eddaj\u00edc\u00ed dokumentaci u not\u00e1\u0159e, ve kter\u00e9 dlu\u017en\u00edk odevzd\u00e1v\u00e1 svou nemovitost bance a ta ji p\u0159ij\u00edm\u00e1 v\u00fdm\u011bnou za zru\u0161en\u00ed dluhu nebo jeho \u010d\u00e1sti.<\/p>\n<h3>\u00a0\u2013 Co je subrogace hypote\u010dn\u00edho \u00fav\u011bru?<\/h3>\n<p>Zjednodu\u0161en\u011b se jedn\u00e1 o n\u00e1hradu osoby dlu\u017en\u00edka osobou jinou, a to zpravidla p\u0159i koupi nemovitosti.\u00a0U hypote\u010dn\u00edho \u00fav\u011bru, je\u017e je v\u00e1z\u00e1n na nemovitost, kupuj\u00edc\u00ed p\u0159evezme pozici dlu\u017en\u00edka a to bu\u010f stavitele nebo osoby prod\u00e1vaj\u00edc\u00edho, v\u00fdm\u011bnou za \u010d\u00e1st kupn\u00ed ceny.\u00a0Prod\u00e1vaj\u00edc\u00ed strana u\u0161et\u0159\u00ed na v\u00fddaj\u00edch za zru\u0161en\u00ed hypot\u00e9ky, kupuj\u00edc\u00ed u\u0161et\u0159\u00ed na v\u00fddaj\u00edch spojen\u00fdch s uzav\u0159en\u00edm sv\u00e9 vlastn\u00ed a banka nep\u0159ijde o klienta. Takov\u00e9 subrogace b\u00fdvaj\u00ed dohodnuty mezi prod\u00e1vaj\u00edc\u00ed a kupuj\u00edc\u00ed stranou,\u00a0 mus\u00ed b\u00fdt ov\u0161em schv\u00e1leny \u00fav\u011brovou bankou.<\/p>\n<h3>\u00a0\u2013 Existuje povinnost uzav\u0159\u00edt n\u011bjak\u00e9 poji\u0161t\u011bn\u00ed p\u0159i podpisu hypote\u010dn\u00edho \u00fav\u011bru?<\/h3>\n<p>Ze z\u00e1kona jedin\u00e9 povinn\u00e9 poji\u0161t\u011bn\u00ed p\u0159i podpisu hypot\u00e9ky je to, je\u017e pokryje rekonstrukci nemovitosti v p\u0159\u00edpad\u011b \u00fapln\u00e9ho zni\u010den\u00ed. Je ale b\u011b\u017en\u00e9, \u017ee banky podmi\u0148uj\u00ed schv\u00e1len\u00ed p\u0159\u00edpadn\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru uzav\u0159en\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n<h3>\u00a0\u2013 Jak\u00e9 jsou poplatky spojen\u00e9 se z\u00edsk\u00e1n\u00edm hypot\u00e9ky?<\/h3>\n<p>* <strong>P\u0159i uzav\u0159en\u00ed smlouvy o poskytnut\u00ed \u00fav\u011bru<\/strong>: jednor\u00e1zov\u00fd poplatek p\u0159i uzav\u0159en\u00ed smlouvy o poskytnut\u00ed \u00fav\u011bru jako n\u00e1hrada administrativn\u00edch v\u00fddaj\u016f s t\u00edm spojen\u00fdch. B\u011b\u017en\u011b se jedn\u00e1 o ur\u010dit\u00e9 procento z poskytnut\u00e9ho kapit\u00e1lu.<\/p>\n<p>* <strong>Za p\u0159ed\u010dasn\u00e9 splacen\u00ed \u00fav\u011bru<\/strong>, jak \u010d\u00e1ste\u010dn\u00e9, tak i celkov\u00e9: je splatn\u00fd v p\u0159\u00edpad\u011b, \u017ee dlu\u017en\u00edk chce splatit celkovou sumu dluhu nebo jeho \u010d\u00e1st d\u0159\u00edve, ne\u017e je dohodnuto ve smlouv\u011b o \u00fav\u011bru. Nem\u016f\u017ee p\u0159es\u00e1hnout hodnotu 0,50% ze zb\u00fdvaj\u00edc\u00ed dlu\u017en\u00e9 \u010d\u00e1stky.<\/p>\n<p>* <strong>Za subrogaci<\/strong>: je splatn\u00fd v p\u0159\u00edpad\u011b, \u017ee kupuj\u00edc\u00ed nemovitosti d\u00e1 p\u0159ednost zachov\u00e1n\u00ed st\u00e1vaj\u00edc\u00ed hypot\u00e9ky, kter\u00e1 p\u0159ech\u00e1z\u00ed na jeho jm\u00e9no, nam\u00edsto uzav\u0159en\u00ed zcela nov\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru. Poplatek plat\u00ed kupuj\u00edc\u00ed.<\/p>\n<p>* <strong>Za zm\u011bnu podm\u00ednek nebo garanc\u00ed<\/strong> (term\u00edn spl\u00e1tek, v\u00fd\u0161e \u00faroku, apod.)<\/p>\n<p>* <strong>Za zm\u011bnu banky<\/strong>: po dobu trv\u00e1n\u00ed \u00fav\u011bru se m\u016f\u017ee dlu\u017en\u00edk rozhodnout pro zm\u011bnu banky za jinou, je\u017e mu nab\u00eddne v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Banka, je\u017e ztr\u00e1c\u00ed klienta, je opr\u00e1vn\u011bna k v\u00fdb\u011bru odpov\u00eddaj\u00edc\u00edho poplatku<\/p>\n<p>V\u0161echny tyto poplatky, stejn\u011b tak jako ve\u0161ker\u00e9 podm\u00ednky hypote\u010dn\u00edho \u00fav\u011bru, mus\u00ed b\u00fdt uvedeny v z\u00e1vazn\u00e9 nab\u00eddce (oferta vinculante), ji\u017e banka klientovi poskytne ke schv\u00e1len\u00ed p\u0159ed uzav\u0159en\u00edm samotn\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru u not\u00e1\u0159e.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":3683,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-3710","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/comments?post=3710"}],"version-history":[{"count":2,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3710\/revisions"}],"predecessor-version":[{"id":5106,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3710\/revisions\/5106"}],"up":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3683"}],"wp:attachment":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/media?parent=3710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}