[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.n-joy.cz\/hypoteky-podle-noveho-zakona\/#Article","mainEntityOfPage":"https:\/\/www.n-joy.cz\/hypoteky-podle-noveho-zakona\/","headline":"Hypot\u00e9ky podle nov\u00e9ho z\u00e1kona","name":"Hypot\u00e9ky podle nov\u00e9ho z\u00e1kona","description":"Hypot\u00e9ky podle nov\u00e9ho z\u00e1kona nebudou ani jednoduch\u00e9, ani rychl\u00e9 Nov\u00fd z\u00e1kon o spot\u0159ebitelsk\u00fdch \u00fav\u011brech se v\u00fdrazn\u011b dotkne nejen r\u016fzn\u00fdch druh\u016f \u00fav\u011br\u016f a p\u016fj\u010dek, ale tak\u00e9 hypot\u00e9k. Celkov\u011b se zp\u0159\u00edsn\u00ed pravidla pro jejich poskytov\u00e1n\u00ed, nov\u011b z\u00edsk\u00e1 hypot\u00e9ku jen ten, kdo prok\u00e1\u017ee, \u017ee ji bude schopen spl\u00e1cet, budou v\u0161ak omezeny r\u016fzn\u00e9 poplatky a sankce. M\u011bl by se […]","datePublished":"2020-06-10","dateModified":"2024-06-28","author":{"@type":"Person","@id":"https:\/\/www.n-joy.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.n-joy.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"n-joy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a379686_w3368_t1591250628.jpg","url":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a379686_w3368_t1591250628.jpg","height":0,"width":0},"url":"https:\/\/www.n-joy.cz\/hypoteky-podle-noveho-zakona\/","about":["Finance"],"wordCount":520,"articleBody":"                           Hypot\u00e9ky podle nov\u00e9ho z\u00e1kona nebudou ani jednoduch\u00e9, ani rychl\u00e9 Nov\u00fd z\u00e1kon o spot\u0159ebitelsk\u00fdch \u00fav\u011brech se v\u00fdrazn\u011b dotkne nejen r\u016fzn\u00fdch druh\u016f \u00fav\u011br\u016f a p\u016fj\u010dek, ale tak\u00e9 hypot\u00e9k. Celkov\u011b se zp\u0159\u00edsn\u00ed pravidla pro jejich poskytov\u00e1n\u00ed, nov\u011b z\u00edsk\u00e1 hypot\u00e9ku jen ten, kdo prok\u00e1\u017ee, \u017ee ji bude schopen spl\u00e1cet, budou v\u0161ak omezeny r\u016fzn\u00e9 poplatky a sankce. M\u011bl by se tak sn\u00ed\u017eit po\u010det p\u0159\u00edpad\u016f, kdy hypot\u00e9ka p\u0159ivede klienta i jeho rodinu do t\u011b\u017eko \u0159e\u0161iteln\u00e9 \u017eivotn\u00ed situace. D\u00e1 se proto o\u010dek\u00e1vat, \u017ee \u00farokov\u00e9 sazby hypot\u00e9\u010dn\u00edch \u00fav\u011br\u016f mohou m\u00edrn\u011b stoupat. D\u016fkladn\u00e9 prov\u011b\u0159en\u00ed p\u0159\u00edjm\u016f \u017eadatele bez v\u00fdjimek Hypot\u00e9\u010dn\u00ed \u00fav\u011br by ji\u017e nem\u011bl b\u00fdt schv\u00e1len \u017eadateli, kter\u00fd jednozna\u010dn\u011b neprok\u00e1\u017ee takov\u00fd p\u0159\u00edjem, ze kter\u00e9ho m\u016f\u017ee hypot\u00e9ku bez probl\u00e9m\u016f spl\u00e1cet. Podrobn\u00e9 posouzen\u00ed a prok\u00e1z\u00e1n\u00ed tzv. \u00fav\u011bruschopnosti se st\u00e1v\u00e1 jednou ze z\u00e1kladn\u00edch podm\u00ednek pro poskytnut\u00ed hypot\u00e9ky. Detailn\u011b jsou proch\u00e1zeny jak p\u0159\u00edjmy a v\u00fddaje \u017eadatele, tak cel\u00e9 jeho rodiny. Hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f ji\u017e nebudou poskytov\u00e1ny a ru\u0161\u00ed se i n\u011bkter\u00e1 opat\u0159en\u00ed a benefity na tuto nab\u00eddku v\u00e1zan\u00e9. Del\u0161\u00ed proces hodnocen\u00ed a schv\u00e1len\u00ed \u017e\u00e1dosti D\u00e1 se p\u0159edpokl\u00e1dat, \u017ee se kv\u016fli nov\u00e9mu z\u00e1konu o spot\u0159ebitelsk\u00e9m \u00fav\u011bru prodlou\u017e\u00ed i doba vyhodnocov\u00e1n\u00ed a schvalov\u00e1n\u00ed \u017e\u00e1dosti. Z\u00e1jemce o hypot\u00e9ku bude muset dokl\u00e1dat v\u011bt\u0161\u00ed mno\u017estv\u00ed potvrzen\u00ed a dokument\u016f, poskytovatel\u00e9 se budou muset v\u011bnovat mnohem v\u00edce prov\u011b\u0159en\u00ed nejen p\u0159\u00edjm\u016f, ale tak\u00e9 v\u00fddaj\u016f z\u00e1jemce, spolu\u017eadatele i rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f. Celkov\u011b tedy bude administrativa hypot\u00e9ky n\u00e1ro\u010dn\u011bj\u0161\u00ed. Pokud nebude m\u00edt \u017eadatel v\u0161echny podklady p\u0159ipraven\u00e9 a bude je dopl\u0148ovat v pr\u016fb\u011bhu schvalovac\u00edho procesu, bude doba od pod\u00e1n\u00ed \u017e\u00e1dosti do kone\u010dn\u00e9ho vy\u0159\u00edzen\u00ed hypot\u00e9ky podstatn\u011b del\u0161\u00ed, ne\u017e tomu bylo dosud. Z\u00e1kon p\u0159inese v\u00fdhody pro klienty hypot\u00e9k Nov\u00fd z\u00e1kon je p\u0159\u00edsn\u011bj\u0161\u00ed i na poskytovatele hypot\u00e9k. Pokud bude hypot\u00e9ka poskytnuta klientovi, v jeho\u017e p\u0159\u00edpad\u011b byla poru\u0161ena povinnost detailn\u011b posoudit schopnost spl\u00e1cet, stane se smlouva o hypot\u00e9\u010dn\u00edm \u00fav\u011bru neplatnou a poskytovatel si nebude moci \u00fa\u010dtovat \u00faroky ani poplatky a ji\u017e zaplacen\u00e9 \u00faroky bude muset klientovi vr\u00e1tit. Ten pak bude hradit pouze jistinu \u00fav\u011bru a spl\u00e1tky budou muset b\u00fdt upraveny podle jeho finan\u010dn\u00edch pom\u011br\u016f. Hypot\u00e9ku bude tak\u00e9 mo\u017eno bez sankc\u00ed splatit p\u0159ed\u010dasn\u011b a mimo\u0159\u00e1dn\u00e9 spl\u00e1tky jsou zdarma m\u011bs\u00edc p\u0159ed v\u00fdro\u010d\u00edm uzav\u0159en\u00ed smlouvy a\u017e do v\u00fd\u0161e 25 %. P\u0159i nab\u00eddce hypot\u00e9ky bude muset b\u00fdt zve\u0159ejn\u011bna a p\u0159ed podpisem smlouvy p\u00edsemn\u011b potvrzena jej\u00ed celkov\u00e1 cena, klient z\u00edsk\u00e1 nav\u00edc \u010dtrn\u00e1ct dn\u00ed na rozmy\u0161lenou.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ky podle nov\u00e9ho z\u00e1kona","item":"https:\/\/www.n-joy.cz\/hypoteky-podle-noveho-zakona\/#breadcrumbitem"}]}]