[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gratia.cz\/vyplati-se-s-hypotekou-pockat-az-po-svatbe\/#Article","mainEntityOfPage":"https:\/\/www.gratia.cz\/vyplati-se-s-hypotekou-pockat-az-po-svatbe\/","headline":"Vyplat\u00ed se s hypot\u00e9kou po\u010dkat a\u017e po svatb\u011b?","name":"Vyplat\u00ed se s hypot\u00e9kou po\u010dkat a\u017e po svatb\u011b?","description":"V\u011bt\u0161ina mlad\u00fdch p\u00e1r\u016f dnes o svazku ani neuva\u017euje. Ve chv\u00edli, kdy za\u010dnou uva\u017eovat o po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti, ale za\u010dnou tak\u00e9 siln\u011b p\u0159em\u00fd\u0161let o tom, zda se nemaj\u00ed vz\u00edt jen kv\u016fli hypot\u00e9ce. Je to samoz\u0159ejm\u011b \u0159e\u0161en\u00ed a jist\u011b bude v\u00fdhodn\u00e9, ale d\u011blat to nemus\u00edte. Existuje p\u0159ece i hodn\u011b single lid\u00ed, kte\u0159\u00ed si z\u0159\u00eddili hypot\u00e9ku a v … ","datePublished":"2020-01-20","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.gratia.cz\/author\/#Person","name":"","url":"https:\/\/www.gratia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gratia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gratia.cz\/wp-content\/uploads\/img_a378908_w3895_t1590132738.jpg","url":"https:\/\/www.gratia.cz\/wp-content\/uploads\/img_a378908_w3895_t1590132738.jpg","height":0,"width":0},"url":"https:\/\/www.gratia.cz\/vyplati-se-s-hypotekou-pockat-az-po-svatbe\/","about":["Ekonomika"],"wordCount":423,"articleBody":"       V\u011bt\u0161ina mlad\u00fdch p\u00e1r\u016f dnes o svazku ani neuva\u017euje. Ve chv\u00edli, kdy za\u010dnou uva\u017eovat o po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti, ale za\u010dnou tak\u00e9 siln\u011b p\u0159em\u00fd\u0161let o tom, zda se nemaj\u00ed vz\u00edt jen kv\u016fli hypot\u00e9ce. Je to samoz\u0159ejm\u011b \u0159e\u0161en\u00ed a jist\u011b bude v\u00fdhodn\u00e9, ale d\u011blat to nemus\u00edte. Existuje p\u0159ece i hodn\u011b single lid\u00ed, kte\u0159\u00ed si z\u0159\u00eddili hypot\u00e9ku a v klidu spl\u00e1cej\u00ed, zat\u00edmco spokojen\u011b \u017eij\u00ed ve vlastn\u00edm byt\u011b. T\u011bsn\u011b p\u0159ed svatbou Jste-li u\u017e zasnouben\u00ed, gratulujeme. Nyn\u00ed m\u00e1te dv\u011b mo\u017enosti. Jednou je po\u010dkat na v\u00e1\u0161 velk\u00fd den, pot\u00e9 podepsat smlouvu a m\u00edt spole\u010dn\u011b nabyt\u00fd majetek rozd\u011blen\u00fd na dv\u011b poloviny bez ohledu na to, kter\u00fd z v\u00e1s do n\u00ed bude v\u00edce investovat. To ale nen\u00ed jedin\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 m\u00e1te na v\u00fdb\u011br. Druhou variantou je stav, kdy smlouvu podep\u00ed\u0161ete je\u0161t\u011b p\u0159ed ob\u0159adem a vy\u0159e\u0161\u00edte majetkov\u00e9 pom\u011bry p\u0159edem. M\u016f\u017eete tak p\u0159esn\u011b ur\u010dit, kolik procent bude vlastnit ka\u017ed\u00fd z partner\u016f a vy\u0159\u00eddit podm\u00ednky spoluvlastnictv\u00ed. Po svatb\u011b budete oba za spl\u00e1cen\u00ed odpov\u00eddat stejn\u011b. Pokud v\u0161e stanov\u00edte p\u0159edem, m\u016f\u017ee se to znateln\u011b li\u0161it. A stejn\u011b se pot\u00e9 m\u016f\u017eete v klidu uzav\u0159\u00edt man\u017eelstv\u00ed. Nic se pot\u00e9 nezm\u011bn\u00ed.   Jak to maj\u00ed single N\u011bkter\u00e9 by ani ve snu nenapadlo, \u017ee si vezmou hypot\u00e9ku ve dvou bez ohledu na to, zda s n\u011bk\u00fdm jsou nebo ne. A proto\u017ee je hodn\u011b lid\u00ed svobodn\u00fdch, \u0159e\u0161\u00ed banky jejich \u017e\u00e1dosti velmi individu\u00e1ln\u011b. \u017dadatel o \u00fav\u011br u Americk\u00e9 nebankovn\u00ed hypot\u00e9ky m\u016f\u017ee b\u00fdt i jednotlivec. Myslete ale na to, \u017ee ka\u017ed\u00e1 spole\u010dnost m\u00e1 sv\u00e9 postupy, jak u nich zjistit bonitu. Budete m\u00edt tak trochu p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky. V dne\u0161n\u00ed dob\u011b nen\u00ed snadn\u00e9, i kdy\u017e m\u00e1te n\u011bjak\u00fd p\u0159\u00edjem, z\u00edskat \u00fav\u011br. N\u011bkdy nesta\u010d\u00ed ani dva platy na z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Je to dan\u00e9 t\u00edm, \u017ee banky zp\u0159\u00edsnily sv\u00e1 stanoviska pro z\u00edsk\u00e1n\u00ed \u00fav\u011br\u016f, hypot\u00e9k apod. Proto si v\u017edy dop\u0159edu zjist\u011bte, jak\u00e9 m\u00e1te mo\u017enosti a kolik V\u00e1m vlastn\u011b m\u016f\u017eou p\u016fj\u010dit a a\u017e teprve pot\u00e9 si zji\u0161\u0165ujte, jestli budete m\u00edt dostatek financ\u00ed na rekonstrukci, koupi bytu \u010di vysn\u011bn\u00e9ho domu.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyplat\u00ed se s hypot\u00e9kou po\u010dkat a\u017e po svatb\u011b?","item":"https:\/\/www.gratia.cz\/vyplati-se-s-hypotekou-pockat-az-po-svatbe\/#breadcrumbitem"}]}]