{"id":3782,"date":"2013-08-17T01:03:08","date_gmt":"2013-08-17T01:03:08","guid":{"rendered":"https:\/\/www.volawyers.com\/vydaje-spojene-se-sjednanim-hypotecniho-uveru-ve-spanelsku\/"},"modified":"2023-10-16T17:00:20","modified_gmt":"2023-10-16T17:00:20","slug":"vydaje-spojene-se-sjednanim-hypotecniho-uveru-ve-spanelsku","status":"publish","type":"page","link":"https:\/\/www.volawyers.com\/cs\/co-byste-meli-vedet\/hypoteky\/vydaje-spojene-se-sjednanim-hypotecniho-uveru-ve-spanelsku\/","title":{"rendered":"V\u00fddaje spojen\u00e9 se sjedn\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru ve \u0160pan\u011blsku"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-custom-z-index\" style=\"--awb-background-position:left 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awb-menu__main-background-active_fade\"><\/span><a  href=\"https:\/\/www.volawyers.com\/cs\/co-byste-meli-vedet\/zdravotni-pece-ve-spanelsku\/\" class=\"awb-menu__main-a awb-menu__main-a_regular\"><span class=\"menu-text\">Zdravotn\u00ed p\u00e9\u010de<\/span><\/a><\/li><\/ul><\/nav><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column green-border rounded-border\" style=\"--awb-padding-top:60px;--awb-padding-right:60px;--awb-padding-bottom:20px;--awb-padding-left:60px;--awb-padding-bottom-medium:16px;--awb-padding-top-small:20px;--awb-padding-bottom-small:20px;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-size:cover;--awb-border-color:var(--awb-color3);--awb-border-style:solid;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-title-center fusion-title-text 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;\">V\u00fddaje spojen\u00e9 se sjedn\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru 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 fusion-text-no-margin\" style=\"--awb-text-transform:none;--awb-margin-bottom:40px;\"><p>V\u00fddaje spojen\u00e9 se sjedn\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru ve \u0160pan\u011blsku jsou n\u00e1sleduj\u00edc\u00ed:<\/p>\n<p><strong>Odhad<\/strong><\/p>\n<p>Banka si vy\u017e\u00e1d\u00e1 odhad hodnoty nemovitosti s c\u00edlem prov\u011b\u0159it n\u00e1vratnost \u00fav\u011bru. Cena takov\u00e9ho odhadu se b\u011b\u017en\u011b pohybuje kolem 400 Eur<br \/>\nv p\u0159\u00edpad\u011b nemovitost\u00ed st\u0159edn\u00ed cenov\u00e9 t\u0159\u00eddy a jde na vrub klienta.<\/p>\n<p><strong>Poplatek za otev\u0159en\u00ed \u00fa\u010dtu<\/strong><\/p>\n<p>Banky si \u00fa\u010dtuj\u00ed spr\u00e1vn\u00ed poplatek za schv\u00e1len\u00ed hypote\u010dn\u00edho \u00fav\u011bru, jde\u00a0o jednor\u00e1zov\u00fd poplatek splatn\u00fd p\u0159ed podpisem \u00fav\u011brov\u00e9 smlouvy.<\/p>\n<p><strong>Poji\u0161t\u011bn\u00ed nemovitosti a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/p>\n<p>Poji\u0161t\u011bn\u00ed nemovitosti proti celkov\u00e9mu zni\u010den\u00ed (po\u017e\u00e1r) je povinn\u00e9. Je zde povinn\u00e1 vinkulace pojistn\u00e9ho pln\u011bn\u00ed ve prosp\u011bch banky s \u00fa\u010delem zajistit, \u017ee v p\u0159\u00edpad\u011b katastrofy a \u00fapln\u00e9ho zni\u010den\u00ed banka z\u00edsk\u00e1 zp\u011bt p\u016fj\u010denou \u010d\u00e1stku.\u00a0Existuj\u00ed p\u0159\u00edpady, kdy banka vy\u017eaduje tak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed (i kdy\u017e toto nen\u00ed povinn\u00e9 \u00a0ze z\u00e1kona) s c\u00edlem pojistit p\u0159\u00edpadn\u00e9 rizikov\u00e9 ud\u00e1losti jako je smrt nebo trval\u00e1 invalidita.<\/p>\n<p><strong>Honor\u00e1\u0159 not\u00e1\u0159e a registrace<\/strong><\/p>\n<p>Smlouvy na hypote\u010dn\u00ed \u00fav\u011bry maj\u00ed formu ve\u0159ejn\u00e9ho dokumentu a t\u00edm p\u00e1dem se podepisuj\u00ed na not\u00e1\u0159stv\u00ed. Z toho tak\u00e9 vypl\u00fdv\u00e1 n\u00e1sledn\u00e1 nutn\u00e1 registrace dokumentu na p\u0159\u00edslu\u0161n\u00e9m katastru nemovitost\u00ed.<\/p>\n<p><strong>Spr\u00e1vn\u00ed poplatky (AJD)<\/strong><\/p>\n<p>Jde o \u00fa\u0159edn\u00ed poplatek, kter\u00fd se vztahuje na ve\u0159ejn\u00e9 dokumenty, je\u017e mus\u00ed b\u00fdt n\u00e1le\u017eit\u011b zaregistrov\u00e1ny, a je s nimi spojen ur\u010dit\u00fd finan\u010dn\u00ed obnos. Vypo\u010d\u00edt\u00e1v\u00e1 se v z\u00e1vislosti na tzv. maxim\u00e1ln\u00ed \u00fav\u011brov\u00e9 zodpov\u011bdnosti (sou\u010det hlavn\u00edho kapit\u00e1lu, b\u011b\u017en\u00fdch \u00farok\u016f, \u00farok\u016f z prodlen\u00ed a v\u00fddaj\u016f z p\u0159\u00edpadn\u00e9ho procesn\u00edho \u0159\u00edzen\u00ed).<\/p>\n<p><strong>Administrativa<\/strong><\/p>\n<p>Banka zpravidla pov\u011b\u0159uje administrativn\u00ed str\u00e1nkou v\u011bci z\u00e1pisu \u00fav\u011bru extern\u00ed agentury. Jde o b\u011b\u017enou agendu jako vyzvednut\u00ed \u00fav\u011brov\u00e9 smlouvy z\u00a0not\u00e1\u0159stv\u00ed, zaplacen\u00ed relevantn\u00edch dan\u00ed, p\u0159edlo\u017een\u00ed k\u00a0z\u00e1pisu na katastru a\u00a0 n\u00e1sledn\u00e9 vyzvednut\u00ed dokumentu.<\/p>\n<p>Ve Vicente &amp; Otaolaurruchi v\u00e1m m\u016f\u017eeme pomoci ve v\u00fdpo\u010dtu p\u0159ibli\u017en\u00fdch v\u00fddaj\u016f spojen\u00fdch s koup\u00ed nemovitosti v z\u00e1vislosti na typu pot\u0159ebn\u00e9ho financov\u00e1n\u00ed ihned po obdr\u017een\u00ed konkr\u00e9tn\u00edch \u00fadaj\u016f.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-text-transform:none;\"><p><a title=\"Dokumentace pot\u0159ebn\u00e1 k \u017e\u00e1dosti o hypote\u010dn\u00ed \u00fav\u011br\" href=\"https:\/\/www.volawyers.com\/cs\/co-byste-meli-vedet\/hypoteky\/doklady-potrebne-k-zadosti-o-hypoteku-ve-spanelsku\/\">P\u0159edchoz\u00ed: Dokumentace pot\u0159ebn\u00e1 k \u017e\u00e1dosti o hypote\u010dn\u00ed \u00fav\u011br<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\" style=\"--awb-text-transform:none;\"><p style=\"text-align: right;\"><a title=\"Co se stane, kdy\u017e nebudu moci \u010delit m\u011bs\u00ed\u010dn\u00edm spl\u00e1tk\u00e1m?\" href=\"https:\/\/www.volawyers.com\/cs\/co-byste-meli-vedet\/hypoteky\/hypoteky-ve-spanelsku-co-se-stane-kdyz-nebudu-moci-celit-mesicnim-splatkam\/\">P\u0159\u00ed\u0161t\u00ed: Co se stane, kdy\u017e nebudu moci \u010delit m\u011bs\u00ed\u010dn\u00edm spl\u00e1tk\u00e1m?<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\" style=\"--awb-text-transform:none;\"><p style=\"text-align: left;\">Str\u00e1nka 3\/4<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-5\" style=\"--awb-text-transform:none;\"><p style=\"text-align: right;\">Str\u00e1nka: <a href=\"https:\/\/www.volawyers.com\/cs\/co-byste-meli-vedet\/hypoteky\/hypoteky-ve-spanelsku-ziskejte-uver-na-koupi-sve-nemovitosti\/\">1<\/a> <a href=\"https:\/\/www.volawyers.com\/cs\/co-byste-meli-vedet\/hypoteky\/doklady-potrebne-k-zadosti-o-hypoteku-ve-spanelsku\/\">2<\/a>\u00a03\u00a0<a href=\"https:\/\/www.volawyers.com\/cs\/co-byste-meli-vedet\/hypoteky\/hypoteky-ve-spanelsku-co-se-stane-kdyz-nebudu-moci-celit-mesicnim-splatkam\/\">4<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":3746,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-3782","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3782","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/comments?post=3782"}],"version-history":[{"count":4,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3782\/revisions"}],"predecessor-version":[{"id":5646,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3782\/revisions\/5646"}],"up":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/pages\/3746"}],"wp:attachment":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/media?parent=3782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}