[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cofely.cz\/vyuzijte-hypoteku-pro-mlade-rodiny-do-36-let\/#Article","mainEntityOfPage":"https:\/\/www.cofely.cz\/vyuzijte-hypoteku-pro-mlade-rodiny-do-36-let\/","headline":"Vyu\u017eijte hypot\u00e9ku pro mlad\u00e9 rodiny do 36 let","name":"Vyu\u017eijte hypot\u00e9ku pro mlad\u00e9 rodiny do 36 let","description":"https:\/\/www.fraus.cz\/cs\/pro-media\/aktuality\/setkame-se-na-nektere-z-podzimnich-akci-20416 tional\/\/EN&#8220; &#8222;http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd&#8220;&gt; Ve chv\u00edli, kdy zalo\u017e\u00edte rodinu zajist\u00e9 chcete m\u00edt vlastn\u00ed bydlen\u00ed. Platit do nekone\u010dna n\u00e1jem v\u011bt\u0161ina \u010cech\u016f nechce a st\u00e1t je v tom<p><a href=\"https:\/\/www.cofely.cz\/vyuzijte-hypoteku-pro-mlade-rodiny-do-36-let\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\">Vyu\u017eijte hypot\u00e9ku pro mlad\u00e9 rodiny do 36 let<\/span><\/a><\/p>","datePublished":"2020-01-09","dateModified":"2020-01-09","author":{"@type":"Person","@id":"https:\/\/www.cofely.cz\/author\/#Person","name":"","url":"https:\/\/www.cofely.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cofely.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cofely.cz\/wp-content\/uploads\/img_a378876_w4366_t1590127205.jpg","url":"https:\/\/www.cofely.cz\/wp-content\/uploads\/img_a378876_w4366_t1590127205.jpg","height":0,"width":0},"url":"https:\/\/www.cofely.cz\/vyuzijte-hypoteku-pro-mlade-rodiny-do-36-let\/","about":["Finance"],"wordCount":402,"articleBody":"https:\/\/www.fraus.cz\/cs\/pro-media\/aktuality\/setkame-se-na-nektere-z-podzimnich-akci-20416 tional\/\/EN&#8220; &#8222;http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd&#8220;&gt;   Ve chv\u00edli, kdy zalo\u017e\u00edte rodinu zajist\u00e9 chcete m\u00edt vlastn\u00ed bydlen\u00ed. Platit do nekone\u010dna n\u00e1jem v\u011bt\u0161ina \u010cech\u016f nechce a st\u00e1t je v tom chce podpo\u0159it. Proto v pr\u016fb\u011bhu srpna 2019 spustil tzv. st\u00e1tn\u00ed p\u016fj\u010dku. V \u010dem spo\u010d\u00edv\u00e1 a kdo si ji m\u016f\u017ee vz\u00edt? Na to se nyn\u00ed pod\u00edv\u00e1me.  Lep\u0161\u00ed podm\u00ednky pro z\u00edsk\u00e1n\u00ed St\u00e1tn\u00ed p\u016fj\u010dka je ur\u010dena osob\u00e1m do 36 let a za\u017e\u00e1dat mohou a\u017e o 100 procent z odhadn\u00ed ceny nemovitosti. Velkou v\u00fdhodou je extr\u00e9mn\u011b n\u00edzk\u00fd \u00farok, kter\u00fd \u010din\u00ed 1,12 procent a mo\u017enost dolo\u017eit ni\u017e\u0161\u00ed pravideln\u00e9 p\u0159\u00edjmy ne\u017e u bankovn\u00ed spole\u010dnosti. S posledn\u00edm bodem se setk\u00e1me tak\u00e9 u nebankovn\u00ed hypot\u00e9ky, kde nemus\u00edte m\u00edt vysok\u00e9 p\u0159\u00edjmy a toleruj\u00ed i z\u00e1znam v registru rejst\u0159\u00edk\u016f. Ta je proto mnohem vhodn\u011bj\u0161\u00ed pro ty, kte\u0159\u00ed pot\u0159ebuj\u00ed pen\u00edze ihned a maj\u00ed negativn\u00ed platebn\u00ed minulost. P\u016fj\u010dka jen pro man\u017eele a rodi\u010de \u017dadatel\u00e9 mus\u00ed b\u00fdt sezdan\u00fd nebo registrovan\u00fd p\u00e1r, anebo rodi\u010de spole\u010dn\u011b pe\u010duj\u00edc\u00ed o d\u00edt\u011b do 15 let. V p\u0159\u00edpad\u011b man\u017eel\u016f nebo registrovan\u00fdch partner\u016f sta\u010d\u00ed, kdy\u017e v\u011bkovou hranici spl\u0148uje jeden z nich. Dal\u0161\u00ed podm\u00ednkou je, \u017ee man\u017eel\u00e9 \u010di partne\u0159i nesm\u00ed vlastnit \u017e\u00e1dnou dal\u0161\u00ed nemovitost, kter\u00e1 je ur\u010dena k bydlen\u00ed a nesm\u00ed b\u00fdt v n\u00e1jmu v dru\u017estevn\u00edm byt\u011b. Kolik si m\u016f\u017eete p\u016fj\u010dit? Vzhledem k tomu, \u017ee st\u00e1tn\u00ed fond nen\u00ed bezedn\u00fd, maj\u00ed sv\u00e9 limity. Na d\u016fm si m\u016f\u017eete vz\u00edt a\u017e 2 miliony korun, zat\u00edmco za byt maxim\u00e1ln\u011b 1,2 milionu. Pl\u00e1nujete-li rekonstrukci, m\u016f\u017eete za\u017e\u00e1dat nejv\u00fd\u0161e o 300 000 korun. Bohu\u017eel mnoha takov\u00fd limit nebude na vybranou nemovitost sta\u010dit a budou se muset obr\u00e1tit na tradi\u010dn\u00ed nebo nebankovn\u00ed spole\u010dnost. Doba splatnosti je tak\u00e9 pom\u011brn\u011b omezuj\u00edc\u00ed. V p\u0159\u00edpad\u011b koup\u011b nemovitosti se jedn\u00e1 o 20 let, u rekonstrukce pouze 10 let. To znamen\u00e1, \u017ee i p\u0159es n\u00edzk\u00fd \u00farok nebudou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky tak n\u00edzk\u00e9 jako u nebankovn\u00edch spole\u010dnost\u00ed, kde si m\u016f\u017eete dobu splatnosti rozd\u011blit a\u017e na 30 let.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyu\u017eijte hypot\u00e9ku pro mlad\u00e9 rodiny do 36 let","item":"https:\/\/www.cofely.cz\/vyuzijte-hypoteku-pro-mlade-rodiny-do-36-let\/#breadcrumbitem"}]}]