{"id":1307982,"date":"2026-03-30T16:50:38","date_gmt":"2026-03-30T13:50:38","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=1307982"},"modified":"2026-03-30T17:22:19","modified_gmt":"2026-03-30T14:22:19","slug":"residents-of-the-valencian-community-under-45-can-buy-a-home-with-a-100-percent-mortgage","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/residents-of-the-valencian-community-under-45-can-buy-a-home-with-a-100-percent-mortgage","title":{"rendered":"Obyvatel\u00e9 Valencijsk\u00e9ho spole\u010denstv\u00ed do 45 let si mohou koupit bydlen\u00ed s hypot\u00e9kou na 100 %"},"content":{"rendered":"<p>Hlavn\u00ed p\u0159ek\u00e1\u017ekou p\u0159i <a href=\"https:\/\/alegria-realestate.com\/cs\/service\/buying-property-in-spain-as-a-foreigner\">koupi bydlen\u00ed<\/a> s vyu\u017eit\u00edm <a href=\"https:\/\/alegria-realestate.com\/cs\/articles\/mortgage-in-spain-in-2025-complete-guide\">hypote\u010dn\u00edho financov\u00e1n\u00ed<\/a> obvykle nen\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka, ale po\u010d\u00e1te\u010dn\u00ed vklad. Banky zpravidla financuj\u00ed a\u017e 80 % hodnoty nemovitosti, co\u017e znamen\u00e1, \u017ee kupuj\u00edc\u00ed mus\u00ed m\u00edt \u00faspory na zb\u00fdvaj\u00edc\u00edch 20 % a tak\u00e9 prost\u0159edky na souvisej\u00edc\u00ed v\u00fddaje. V roce 2026 se vl\u00e1da Valencijsk\u00e9ho spole\u010denstv\u00ed rozhodla do tohoto kl\u00ed\u010dov\u00e9ho bodu zas\u00e1hnout.<\/p>\n<p>Autonomn\u00ed org\u00e1ny roz\u0161\u00ed\u0159ily program z\u00e1ruk Valencijsk\u00e9ho institutu financ\u00ed (IVF), aby mlad\u00ed lid\u00e9 a dosp\u011bl\u00ed do 45 let mohli z\u00edskat hypote\u010dn\u00ed \u00fav\u011bry ve v\u00fd\u0161i 100 % hodnoty bydlen\u00ed. Ozn\u00e1mil to p\u0159edseda vl\u00e1dy Juanfran P\u00e9rez Llorca, kter\u00fd potvrdil zv\u00fd\u0161en\u00ed region\u00e1ln\u00ed z\u00e1ruky z 15 % na 20 % hodnoty bydlen\u00ed, co\u017e bank\u00e1m umo\u017e\u0148uje financovat celou \u010d\u00e1stku.<\/p>\n<h2>Jak program funguje<\/h2>\n<p>To znamen\u00e1, \u017ee:<\/p>\n<ul>\n<li>banka poskytne 100 % hodnoty nemovitosti;<\/li>\n<li>vl\u00e1da autonomn\u00edho spole\u010denstv\u00ed garantuje a\u017e 20 %;<\/li>\n<li>kupuj\u00edc\u00ed nemus\u00ed skl\u00e1dat po\u010d\u00e1te\u010dn\u00ed vklad;<\/li>\n<li>program je bezplatn\u00fd jak pro p\u0159\u00edjemce, tak pro spolupracuj\u00edc\u00ed banku.<\/li>\n<\/ul>\n<p>Program umo\u017e\u0148uje kupovat jak nov\u00e9, tak i <a href=\"https:\/\/alegria-realestate.com\/cs\/sale\">star\u0161\u00ed domy<\/a>, stejn\u011b jako domy nab\u00edzen\u00e9 ve voln\u00e9m prodeji nebo postaven\u00e9 v r\u00e1mci st\u00e1tn\u00edho programu soci\u00e1ln\u00edho bydlen\u00ed a soukrom\u00e9 v\u00fdstavby. Nemovitost v\u0161ak mus\u00ed b\u00fdt ur\u010dena k trval\u00e9mu bydlen\u00ed. Krom\u011b toho byla maxim\u00e1ln\u00ed p\u0159\u00edpustn\u00e1 cena zv\u00fd\u0161ena na 311 000 eur, co\u017e roz\u0161i\u0159uje okruh nemovitost\u00ed, kter\u00e9 mohou b\u00fdt do programu za\u0159azeny.<\/p>\n<h2>Kdo m\u016f\u017ee z\u00edskat z\u00e1ruku IVF<\/h2>\n<p>Pro z\u00edsk\u00e1n\u00ed z\u00e1ruky IVF na koupi domu v provinci\u00edch <a href=\"https:\/\/alegria-realestate.com\/cs\/sale\/alicante\">Alicante<\/a>, <a href=\"https:\/\/alegria-realestate.com\/cs\/sale\/valencia\">Valencie<\/a> nebo Castell\u00f3n mus\u00ed \u017eadatel\u00e9 splnit n\u00e1sleduj\u00edc\u00ed podm\u00ednky:<\/p>\n<ol>\n<li>V okam\u017eiku pod\u00e1n\u00ed \u017e\u00e1dosti mus\u00ed b\u00fdt \u017eadatel ve v\u011bku od 18 do 45 let v\u010detn\u011b. V\u011bkov\u00e9 omezen\u00ed se neuplat\u0148uje, pokud jeden z kupuj\u00edc\u00edch \u017eil v obci posti\u017een\u00e9 p\u0159\u00edrodn\u00ed katastrofou DANA dne 29. \u0159\u00edjna 2024.<\/li>\n<li>Je nutn\u00e9 dolo\u017eit nep\u0159etr\u017eit\u00e9 a souvisl\u00e9 bydli\u0161t\u011b ve Valencijsk\u00e9m spole\u010denstv\u00ed po dobu dvou let p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti.<\/li>\n<li>\u017dadatel nesm\u00ed b\u00fdt vlastn\u00edkem jin\u00e9 nemovitosti ve \u0160pan\u011blsku s v\u00fdjimkou p\u0159\u00edpad\u016f, kdy mu n\u00e1le\u017e\u00ed pod\u00edl men\u0161\u00ed ne\u017e 50 %; nebo mu po rozvodu nebylo p\u0159izn\u00e1no pr\u00e1vo u\u017e\u00edv\u00e1n\u00ed rodinn\u00e9ho bydlen\u00ed; nebo existuje u\u017e\u00edvac\u00ed pr\u00e1vo t\u0159et\u00ed osoby.<\/li>\n<li>Je vy\u017eadov\u00e1no \u0161pan\u011blsk\u00e9 ob\u010danstv\u00ed, ob\u010danstv\u00ed jin\u00e9 zem\u011b EU nebo povolen\u00ed k leg\u00e1ln\u00edmu pobytu, pokud jde o ob\u010dany t\u0159et\u00edch zem\u00ed.<\/li>\n<li>\u017dadatel mus\u00ed m\u00edt nab\u00eddku financov\u00e1n\u00ed vydanou finan\u010dn\u00ed instituc\u00ed, kter\u00e1 spolupracuje s programem.<\/li>\n<li>Je nutn\u00e9 nem\u00edt dluhy v\u016f\u010di vl\u00e1d\u011b Valencijsk\u00e9ho spole\u010denstv\u00ed s v\u00fdjimkou odlo\u017een\u00fdch nebo pozastaven\u00fdch plateb.<\/li>\n<\/ol>\n<h2>Jak podat \u017e\u00e1dost<\/h2>\n<p>Proces z\u00edsk\u00e1n\u00ed t\u00e9to podpory neza\u010d\u00edn\u00e1 v bance, ale v IVF. Nejprve zainteresovan\u00e1 osoba z\u00edsk\u00e1 hypote\u010dn\u00ed nab\u00eddku od spolupracuj\u00edc\u00ed instituce. Pot\u00e9 se spolu s dokumenty pod\u00e1v\u00e1 \u017e\u00e1dost na elektronick\u00fdch str\u00e1nk\u00e1ch IVF, kde se prov\u00e1d\u00ed kontrola spln\u011bn\u00ed v\u0161ech po\u017eadavk\u016f. Pokud je \u017e\u00e1dost schv\u00e1lena, vyd\u00e1 se rozhodnut\u00ed o poskytnut\u00ed z\u00e1ruky, o \u010dem\u017e je informov\u00e1n jak \u017eadatel, tak vybran\u00e1 banka.<\/p>\n<p>\u017d\u00e1dosti lze pod\u00e1vat po ofici\u00e1ln\u00edm zve\u0159ejn\u011bn\u00ed v Diari Oficial de la Generalitat Valenciana.<\/p>\n<h2>Co je d\u016fle\u017eit\u00e9 vz\u00edt v \u00favahu<\/h2>\n<p>A\u010dkoli z\u00e1ruka umo\u017e\u0148uje z\u00edskat p\u0159\u00edstup ke 100 % hodnoty nemovitosti, je t\u0159eba vz\u00edt v \u00favahu, \u017ee nepokr\u00fdv\u00e1 <a href=\"https:\/\/alegria-realestate.com\/cs\/articles\/expenses-and-taxes-when-buying-a-home\">souvisej\u00edc\u00ed n\u00e1klady<\/a> (dan\u011b, not\u00e1\u0159, registrace), nezaru\u010duje automatick\u00e9 poskytnut\u00ed \u00fav\u011bru (banka mus\u00ed obchod schv\u00e1lit) a nenahrazuje finan\u010dn\u00ed zp\u016fsobilost kupuj\u00edc\u00edho.<\/p>\n<p>V podm\u00ednk\u00e1ch zdra\u017eov\u00e1n\u00ed bydlen\u00ed a obt\u00ed\u017enosti na\u0161et\u0159it i 20% po\u010d\u00e1te\u010dn\u00ed vklad program odstra\u0148uje hlavn\u00ed p\u0159ek\u00e1\u017eku p\u0159\u00edstupu ke koupi. Pro ty, kdo spl\u0148uj\u00ed podm\u00ednky, to m\u016f\u017ee znamenat rozd\u00edl mezi pokra\u010dov\u00e1n\u00edm v placen\u00ed n\u00e1jmu a <a href=\"https:\/\/alegria-realestate.com\/cs\/service\/find-property-in-spain\">po\u0159\u00edzen\u00edm vlastn\u00edho bydlen\u00ed<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hlavn\u00ed p\u0159ek\u00e1\u017ekou p\u0159i koupi bydlen\u00ed s vyu\u017eit\u00edm hypote\u010dn\u00edho financov\u00e1n\u00ed\u2026<\/p>\n","protected":false},"author":34,"featured_media":1307984,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1307982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Obyvatel\u00e9 Valencijsk\u00e9ho 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