{"id":450654,"date":"2022-04-05T16:42:43","date_gmt":"2022-04-05T13:42:43","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=450654"},"modified":"2025-08-14T21:31:55","modified_gmt":"2025-08-14T18:31:55","slug":"condiciones-de-las-hipotecas-para-extranjeros-en-espana","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/mortgage-in-spain\/condiciones-de-las-hipotecas-para-extranjeros-en-espana","title":{"rendered":"Podm\u00ednky hypot\u00e9ky pro cizince ve \u0160pan\u011blsku"},"content":{"rendered":"<p>Je fakt, \u017ee si u n\u00e1s po\u0159izuje bydlen\u00ed st\u00e1le v\u00edce cizinc\u016f; Konkr\u00e9tn\u011b tyto transakce tvo\u0159\u00ed 13 % v\u0161ech n\u00e1kupn\u00edch transakc\u00ed, podle \u00fadaj\u016f z Registru z roku 2018 se nav\u00edc brzy stane skute\u010dnost\u00ed, \u017ee cizinci, kte\u0159\u00ed si koup\u00ed bydlen\u00ed za v\u00edce ne\u017e 160 000 eur, automaticky z\u00edskaj\u00ed povolen\u00ed k pobytu; je na to imigra\u010dn\u00ed z\u00e1kon. P\u0159esto\u017ee si v\u011bt\u0161ina z nich bere p\u016fj\u010dku na koupi domu v zemi sv\u00e9ho p\u016fvodu, m\u016f\u017ee pro n\u011b b\u00fdt zaj\u00edmav\u00e9 to ud\u011blat ve \u0160pan\u011blsku.<\/p>\n<h2> Jak\u00e9 jsou podm\u00ednky \u017e\u00e1dosti o hypot\u00e9ku? <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-450658 size-full\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-2.jpg\" alt=\"Podm\u00ednky hypot\u00e9ky pro cizince ve \u0160pan\u011blsku\" width=\"1024\" height=\"683\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-2.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-2-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> Obecn\u011b plat\u00ed, \u017ee podm\u00ednky hypot\u00e9ky jsou ovlivn\u011bny mimo jin\u00e9 ekonomick\u00fdm profilem \u017eadatele, charakteristikou nemovitosti a prost\u0159ed\u00edm, ve kter\u00e9m se nach\u00e1z\u00ed. St\u00e1tn\u00ed p\u0159\u00edslu\u0161nost m\u016f\u017ee d\u00e1le ovlivnit podm\u00ednky smlouvy o hypote\u010dn\u00edm \u00fav\u011bru, proto\u017ee \u00fav\u011brov\u00fd profil ob\u010dan\u016f ur\u010dit\u00e9 zem\u011b m\u016f\u017ee b\u00fdt pova\u017eov\u00e1n za rizikov\u011bj\u0161\u00ed ne\u017e u jin\u00fdch. Na druh\u00e9 stran\u011b je bankovn\u00ed sektor vystaven siln\u00e9mu regulatorn\u00edmu tlaku na kontrolu pran\u00ed \u0161pinav\u00fdch pen\u011bz, co\u017e znamen\u00e1, \u017ee je povinen uplat\u0148ovat zvl\u00e1\u0161t\u011b p\u0159\u00edsn\u00e1 opat\u0159en\u00ed, aby investice a operace sv\u00fdch zahrani\u010dn\u00edch klient\u016f byly v souladu se z\u00e1konem. Jedn\u00edm z aspekt\u016f, kter\u00fd m\u00e1 v\u00fdznamn\u00fd vliv na podm\u00ednky hypote\u010dn\u00edho \u00fav\u011bru poskytnut\u00e9ho cizinci, je v\u0161ak to, zda m\u00e1 \u010di nem\u00e1 obvykl\u00e9 bydli\u0161t\u011b ve \u0160pan\u011blsku. Hypot\u00e9ky pro cizince s bydli\u0161t\u011bm ve \u0160pan\u011blsku jsou b\u011b\u017en\u00fdmi hypot\u00e9kami, tedy jako hypot\u00e9ky poskytovan\u00e9 \u0161pan\u011blsk\u00fdm ob\u010dan\u016fm. Zat\u00edmco hypot\u00e9ky pro cizince-nerezidenty podl\u00e9haj\u00ed n\u00e1ro\u010dn\u011bj\u0161\u00edm podm\u00ednk\u00e1m. Ne v\u0161echny finan\u010dn\u00ed instituce schvaluj\u00ed hypot\u00e9ky pro cizince, kte\u0159\u00ed nemaj\u00ed bydli\u0161t\u011b ve \u0160pan\u011blsku. V ostatn\u00edch p\u0159\u00edpadech podl\u00e9haj\u00ed \u00fav\u011bry ur\u010dit\u00fdm omezen\u00edm a podm\u00ednk\u00e1m, kter\u00e9 ovliv\u0148uj\u00ed zejm\u00e9na maxim\u00e1ln\u00ed \u010d\u00e1stku k financov\u00e1n\u00ed a \u00farokovou sazbu stanovenou ve smlouv\u011b. Hlavn\u00ed d\u016fvody tohoto omezen\u00ed souvis\u00ed s obt\u00ed\u017enost\u00ed \u0159e\u0161en\u00ed p\u0159\u00edpadn\u00fdch pozdn\u00edch plateb ze strany t\u011bchto klient\u016f. Jin\u00fdmi slovy, v p\u0159\u00edpad\u011b nezaplacen\u00ed je obt\u00ed\u017en\u00e9 podat \u00fa\u010dinn\u00e9 pr\u00e1vn\u00ed kroky, zejm\u00e9na v p\u0159\u00edpad\u011b rezident\u016f mimo EU. Nap\u0159\u00edklad v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed by bylo obt\u00ed\u017en\u00e9 p\u0159istoupit k obstaven\u00ed majetku v zahrani\u010d\u00ed, tak\u017ee hlavn\u00ed dostupnou z\u00e1rukou bude samotn\u00e1 zastaven\u00e1 nemovitost.<\/p>\n<h2> Podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f pro cizince ve \u0160pan\u011blsku <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-450656 size-full\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a.jpg\" alt=\"\" width=\"1024\" height=\"576\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-300x169.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-768x432.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> Obvykl\u00e9 podm\u00ednky pro hypot\u00e9ky pro cizince ve \u0160pan\u011blsku jsou podobn\u00e9 podm\u00ednk\u00e1m pro \u0161pan\u011blsk\u00e9 ob\u010dany, s v\u00fdjimkou toho, co je uvedeno v\u00fd\u0161e, a tak\u00e9 n\u011bkter\u00fdch aspekt\u016f, kter\u00e9 ovliv\u0148uj\u00ed dokumentaci:<\/p>\n<ul>\n<li> Je nutn\u00e9 otev\u0159\u00edt si b\u011b\u017en\u00fd \u00fa\u010det v bance se s\u00eddlem ve \u0160pan\u011blsku, kde chcete z\u00edskat hypot\u00e9ku. Hypot\u00e9ky jsou proto nab\u00edzeny jak s variabiln\u00edmi sazbami (na z\u00e1klad\u011b indexu Euribor plus spread), tak za fixn\u00ed sazby. Tato posledn\u00ed mo\u017enost zaji\u0161\u0165uje, \u017ee m\u011bs\u00ed\u010dn\u00ed platby z\u016fstanou po celou dobu trv\u00e1n\u00ed smlouvy konstantn\u00ed. Je t\u0159eba poznamenat, \u017ee \u00farokov\u00e9 sazby stanoven\u00e9 pro nerezidenty ve \u0160pan\u011blsku jsou obvykle vy\u0161\u0161\u00ed ne\u017e \u00farokov\u00e9 sazby nab\u00edzen\u00e9 nerezident\u016fm.<\/li>\n<li> V\u00fd\u0161e dluhu \u017eadatele nesm\u00ed p\u0159ekro\u010dit 30\u201335 % obvykl\u00e9ho p\u0159\u00edjmu; To znamen\u00e1, \u017ee \u010d\u00e1stka vypl\u00fdvaj\u00edc\u00ed ze se\u010dten\u00ed spl\u00e1tky va\u0161\u00ed budouc\u00ed hypot\u00e9ky a spl\u00e1tek dal\u0161\u00edch st\u00e1vaj\u00edc\u00edch dluh\u016f nem\u016f\u017ee tento limit p\u0159ekro\u010dit.<\/li>\n<li> Maxim\u00e1ln\u00ed doby spl\u00e1cen\u00ed se pohybuj\u00ed v rozmez\u00ed 20-30 let za p\u0159edpokladu, \u017ee v\u011bk \u017eadatele p\u0159ed vypr\u0161en\u00edm hypot\u00e9ky nep\u0159es\u00e1hne 70 let. Podm\u00ednky pro nerezidenty z\u0159\u00eddka p\u0159esahuj\u00ed 20 let.<\/li>\n<li> A kone\u010dn\u011b, uzav\u0159en\u00ed hypot\u00e9ky s sebou nese \u0159adu dodate\u010dn\u00fdch n\u00e1klad\u016f, jako jsou not\u00e1\u0159sk\u00e9 poplatky, registra\u010dn\u00ed poplatky, poplatky za zastoupen\u00ed a dan\u011b. To v\u0161e obvykle p\u0159edstavuje mezi 8 % a 13 % z ceny nemovitosti.<\/li>\n<\/ul>\n<p> Obecn\u011b plat\u00ed, \u017ee hypot\u00e9ky ve \u0160pan\u011blsku maj\u00ed \u00fav\u011brov\u00fd limit pro po\u0159\u00edzen\u00ed prim\u00e1rn\u00edho bydlen\u00ed ve v\u00fd\u0161i 80 % kupn\u00ed ceny nebo odhadu nemovitosti. V p\u0159\u00edpad\u011b druh\u00e9ho bydli\u0161t\u011b, nap\u0159. pro letn\u00ed dovolenou, se \u010d\u00e1stka obvykle sni\u017euje na 60 %. \u017dadatel proto mus\u00ed poskytnout vlastn\u00ed kapit\u00e1l ve v\u00fd\u0161i 20 % a\u017e 40 % hodnoty nemovitosti.<\/p>\n<h2> Dokumentace nutn\u00e1 pro vy\u0159\u00edzen\u00ed hypot\u00e9ky ve \u0160pan\u011blsku pro cizince <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-450657 size-full\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-1.jpg\" alt=\"Podm\u00ednky hypot\u00e9ky pro cizince ve \u0160pan\u011blsku\" width=\"1024\" height=\"768\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-1.jpg 1024w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-1-300x225.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2022\/04\/condiciones-de-las-hipotecas-para-extranjeros-en-espan\u0303a-1-768x576.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/> Dokumentace vy\u017eadovan\u00e1 finan\u010dn\u00edmi institucemi pro studii proveditelnosti a n\u00e1sledn\u00e9 poskytnut\u00ed hypot\u00e9ky ve \u0160pan\u011blsku je podobn\u00e1 pro zahrani\u010dn\u00ed i tuzemsk\u00e9 klienty. Obvykl\u00e9 dokumenty po\u017eadovan\u00e9 p\u0159i \u017e\u00e1dosti o hypot\u00e9ku ve \u0160pan\u011blsku pro cizince jsou:<\/p>\n<ul>\n<li> Fotokopie NIE nebo pasu a p\u0159\u00edpadn\u011b osv\u011bd\u010den\u00ed prokazuj\u00edc\u00ed, \u017ee nem\u00e1te bydli\u0161t\u011b ve \u0160pan\u011blsku.<\/li>\n<li> Potvrzen\u00ed o da\u0148ov\u00e9 rezidenci.<\/li>\n<li> Pracovn\u00ed smlouva a posledn\u00ed 3 v\u00fdplaty obdr\u017een\u00e9 v zemi va\u0161eho bydli\u0161t\u011b.<\/li>\n<li> Da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za posledn\u00ed fisk\u00e1ln\u00ed rok.<\/li>\n<li> Bankovn\u00ed v\u00fdpis z \u00fa\u010dtu, na kter\u00fd jsou ukl\u00e1d\u00e1ny va\u0161e v\u00fdplaty, s transakcemi za posledn\u00edch 12 m\u011bs\u00edc\u016f.<\/li>\n<li> Posledn\u00ed 3 \u00fa\u010dtenky za va\u0161e nesplacen\u00e9 dluhy, jako jsou p\u016fj\u010dky nebo kreditn\u00ed karty.<\/li>\n<li> Evidujte sv\u00e1 aktu\u00e1ln\u00ed aktiva, jako jsou majetkov\u00e9 tituly nebo bankovn\u00ed \u00fa\u010dty.<\/li>\n<li> Jednoduch\u00fd registra\u010dn\u00ed list nemovitosti, kter\u00e1 m\u00e1 b\u00fdt zakoupena.<\/li>\n<li> Smlouva o prodeji nemovitosti nebo v opa\u010dn\u00e9m p\u0159\u00edpad\u011b smlouva o vkladu, kter\u00e1 je p\u0159edsmlouvou s prod\u00e1vaj\u00edc\u00edm nemovitosti.<\/li>\n<\/ul>\n<p> V p\u0159\u00edpad\u011b nerezident\u016f si finan\u010dn\u00ed instituce vy\u017e\u00e1daj\u00ed zpr\u00e1vu o \u00fav\u011brov\u00e9m riziku za \u00fa\u010delem ov\u011b\u0159en\u00ed finan\u010dn\u00ed aktivity a solventnosti v zemi, kde dan\u00e1 osoba s\u00eddl\u00ed a pracuje. Krom\u011b toho mus\u00ed b\u00fdt ve\u0161ker\u00e1 dokumentace p\u0159edlo\u017een\u00e1 z ne\u0161pan\u011blsky mluv\u00edc\u00ed zem\u011b p\u0159elo\u017eena soudn\u00edm p\u0159ekladatelem na n\u00e1klady klienta.<\/p>\n<h3> P\u0159edlo\u017een\u00ed dokumentace<\/h3>\n<p> Obecn\u00fdm pravidlem je, \u017ee klient je povinen osobn\u011b p\u0159edlo\u017eit bance origin\u00e1ly dokument\u016f a podepsat smlouvu p\u0159ed not\u00e1\u0159em. Mohou v\u0161ak nastat p\u0159\u00edpady, kdy finan\u010dn\u00ed instituce akceptuje po\u0161tovn\u00ed nebo naskenovan\u00e9 doru\u010den\u00ed uveden\u00e9 dokumentace, jako\u017e i dostaven\u00ed se \u0159\u00e1dn\u011b zmocn\u011bn\u00e9ho pr\u00e1vn\u00edho z\u00e1stupce s plnou moc\u00ed. To je samoz\u0159ejm\u011b \u010dast\u011bj\u0161\u00ed v p\u0159\u00edpad\u011b hypot\u00e9k pro cizince-nerezidenty.<\/p>","protected":false},"excerpt":{"rendered":"<p>Je fakt, \u017ee si u n\u00e1s po\u0159izuje bydlen\u00ed st\u00e1le\u2026<\/p>\n","protected":false},"author":18,"featured_media":450655,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[957],"tags":[],"class_list":["post-450654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfCu\u00e1les son las condiciones de las hipotecas para extranjeros en Espa\u00f1a?<\/title>\n<meta name=\"description\" content=\"En este art\u00edculo hablaremos sobre las condiciones de las hipotecas en Espa\u00f1a para extranjeros y a la 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