{"id":3879,"date":"2019-10-26T11:03:29","date_gmt":"2019-10-26T11:03:29","guid":{"rendered":"https:\/\/www.volawyers.com\/nova-pravidla-pro-hypotecni-uvery-ve-spanelsku-vyplyvajici-ze-zmen-hypotecniho-zakona\/"},"modified":"2023-10-13T20:13:22","modified_gmt":"2023-10-13T20:13:22","slug":"nova-pravidla-pro-hypotecni-uvery-ve-spanelsku-vyplyvajici-ze-zmen-hypotecniho-zakona","status":"publish","type":"post","link":"https:\/\/www.volawyers.com\/cs\/nova-pravidla-pro-hypotecni-uvery-ve-spanelsku-vyplyvajici-ze-zmen-hypotecniho-zakona\/","title":{"rendered":"Nov\u00e1 pravidla pro hypote\u010dn\u00ed \u00fav\u011bry ve \u0160pan\u011blsku vypl\u00fdvaj\u00edc\u00ed ze zm\u011bn hypote\u010dn\u00edho z\u00e1kona"},"content":{"rendered":"<p>V ned\u00e1vn\u00e9 dob\u011b vstoupila v platnost nov\u00e1 pr\u00e1vn\u00ed \u00faprava z\u00e1kona o hypote\u010dn\u00edch \u00fav\u011brech ve \u0160pan\u011blsku. V podstat\u011b jde o adaptaci na evropsk\u00e9 normy.<\/p>\n<p>Nov\u00e1 pravidla jsou nastavena tak, aby maxim\u00e1ln\u011b chr\u00e1nila koncov\u00e9ho spot\u0159ebitele \u2013 dlu\u017en\u00edka, a to p\u0159edev\u0161\u00edm v n\u00e1sleduj\u00edc\u00edm:<\/p>\n<ul>\n<li>navy\u0161uje se mno\u017estv\u00ed informac\u00ed, kter\u00e9 je banka z\u00e1jemci o \u00fav\u011br povinna poskytnout<\/li>\n<li>nov\u011b vznik\u00e1 lh\u016fta pro prostudov\u00e1n\u00ed detailn\u00edch podm\u00ednek \u00fav\u011bru a mo\u017enost si rozhodnut\u00ed p\u0159ed samotn\u00fdm podpisem smlouvy rozmyslet<\/li>\n<li>zv\u00fd\u0161en\u00ed kontroly a prov\u011brek z\u00e1jemce o \u00fav\u011br tak, aby byly schv\u00e1leny pouze takov\u00e9 transakce, kter\u00e9 bude dlu\u017en\u00edk skute\u010dn\u011b schopen spl\u00e1cet<\/li>\n<li>sn\u00ed\u017een\u00ed nebo \u00fapln\u00e9 odstran\u011bn\u00ed poplatk\u016f spojen\u00fdch s uzav\u0159en\u00edm \u00fav\u011bru<\/li>\n<li>omezen\u00ed proviz\u00ed zprost\u0159edkovatel\u016f<\/li>\n<li>z\u00e1kaz limitn\u00edch \u00farokov\u00fdch sazeb<\/li>\n<li>omezen\u00ed exekuc\u00ed z d\u016fvodu nespl\u00e1cen\u00ed \u00fav\u011bru<\/li>\n<li>velmi z\u00e1sadn\u00edm bodem zm\u011bn pro \u010deskou klientelu je nov\u00e1 regulace \u00fav\u011br\u016f v ciz\u00ed m\u011bn\u011b. Za ciz\u00ed m\u011bnu je zde pova\u017eov\u00e1na odli\u0161n\u00e1 m\u011bna, ne\u017e je ta, ve kter\u00e9 z\u00edsk\u00e1v\u00e1 dlu\u017en\u00edk sv\u00e9 p\u0159\u00edjmy, a kter\u00e1 se li\u0161\u00ed od m\u011bny platn\u00e9 v m\u00edst\u011b trval\u00e9ho bydli\u0161t\u011b \u017eadatele o \u00fav\u011br v moment\u011b, kdy se smluva uzav\u0159ela.<\/li>\n<\/ul>\n<p>V t\u00e9to situaci se bude nach\u00e1zet v\u011bt\u0161ina \u010desk\u00fdch investor\u016f, vyjma t\u011bch, kte\u0159\u00ed \u017eij\u00ed v euroz\u00f3n\u011b a jejich\u017e p\u0159\u00edjmy jsou p\u0159ev\u00e1\u017en\u011b v Eurech.<\/p>\n<p>\u010cl\u00e1nek 20 hypote\u010dn\u00edho z\u00e1kona p\u0159\u00edmo \u0159\u00edk\u00e1, \u017ee dlu\u017en\u00edk m\u016f\u017ee kdykoli v pr\u016fb\u011bhu \u00fav\u011bru po\u017e\u00e1dat banku o spl\u00e1cen\u00ed v t\u00e9 m\u011bn\u011b, ve kter\u00e9 m\u00e1 v\u011bt\u0161inu sv\u00fdch p\u0159\u00edjm\u016f \u010di aktiv, a nebo v t\u00e9 m\u011bn\u011b, kter\u00e1 platila v zemi, jej\u00edm\u017e byl rezidentem ve chv\u00edli, kdy o \u00fav\u011br po\u017e\u00e1dal.<\/p>\n<p>V praxi tedy bohu\u017eel moment\u00e1ln\u011b \u017e\u00e1dn\u00e1 \u0161pan\u011blsk\u00e1 banka nen\u00ed ochotna podstoupit riziko v\u00fdkyv\u016f v kurzu \u010desk\u00e9 koruny v\u016f\u010di euru\u2026<\/p>\n<p>Slovensk\u00fdch ob\u010dan\u016f se samoz\u0159ejm\u011b tento bod nedot\u00fdk\u00e1, ti mohou d\u00e1le bez probl\u00e9m\u016f o hypote\u010dn\u00ed \u00fav\u011br u \u0161pan\u011blsk\u00fdch bank \u017e\u00e1dat. B\u011b\u017en\u011b mohou nerezidenti ve \u0160pan\u011blsku dos\u00e1hnout a\u017e na 70% financov\u00e1n\u00ed p\u0159i koupi jejich \u0161pan\u011blsk\u00e9 nemovitosti.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V ned\u00e1vn\u00e9 dob\u011b vstoupila v platnost nov\u00e1 pr\u00e1vn\u00ed \u00faprava z\u00e1kona o hypote\u010dn\u00edch \u00fav\u011brech ve \u0160pan\u011blsku. V podstat\u011b jde o adaptaci na evropsk\u00e9 normy. Nov\u00e1 pravidla jsou nastavena tak, aby maxim\u00e1ln\u011b chr\u00e1nila koncov\u00e9ho spot\u0159ebitele \u2013 dlu\u017en\u00edka, a to p\u0159edev\u0161\u00edm v n\u00e1sleduj\u00edc\u00edm: navy\u0161uje se mno\u017estv\u00ed informac\u00ed, kter\u00e9 je banka z\u00e1jemci o \u00fav\u011br povinna poskytnout nov\u011b vznik\u00e1 lh\u016fta  [&#8230;]<\/p>\n","protected":false},"author":3,"featured_media":4284,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[177],"tags":[135,112,114,110],"class_list":["post-3879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nove-pravni-predpisy","tag-hypoteky-ve-spanelsku","tag-investice-ve-spanelsku","tag-koupe-nemovitosti","tag-nemovitosti"],"_links":{"self":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/posts\/3879","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"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=3879"}],"version-history":[{"count":1,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/posts\/3879\/revisions"}],"predecessor-version":[{"id":5626,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/posts\/3879\/revisions\/5626"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/media\/4284"}],"wp:attachment":[{"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/media?parent=3879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/categories?post=3879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.volawyers.com\/cs\/wp-json\/wp\/v2\/tags?post=3879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}