{"id":459411,"date":"2022-08-26T12:17:44","date_gmt":"2022-08-26T09:17:44","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=459411"},"modified":"2025-08-14T21:33:42","modified_gmt":"2025-08-14T18:33:42","slug":"bridge-mortgage-in-spain-what-it-is-and-how-it-works","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/property-in-spain\/bridge-mortgage-in-spain-what-it-is-and-how-it-works","title":{"rendered":"Do\u010dasn\u00e1 hypot\u00e9ka ve \u0160pan\u011blsku: co to je a jak to funguje"},"content":{"rendered":"

P\u0159eklenovac\u00ed hypot\u00e9ka je ide\u00e1ln\u00ed variantou pro ty, kte\u0159\u00ed si cht\u011bj\u00ed po\u0159\u00eddit nov\u00e9 bydlen\u00ed p\u0159ed prodejem sv\u00e9ho sou\u010dasn\u00e9ho bydlen\u00ed, na kter\u00e9 se hypot\u00e9ka st\u00e1le plat\u00ed. Princip p\u0159eklenovac\u00ed hypot\u00e9ky spo\u010d\u00edv\u00e1 v tom, \u017ee banka slou\u010d\u00ed starou hypot\u00e9ku s novou do jedn\u00e9 spl\u00e1tky v\u00fdm\u011bnou za z\u00e1vazek prodat v\u00e1\u0161 star\u00fd d\u016fm do ur\u010dit\u00e9 doby. Banky takov\u00e9 podm\u00ednky nab\u00edzej\u00ed pouze nejv\u00e1\u017een\u011bj\u0161\u00edm a nejd\u016fv\u011bryhodn\u011bj\u0161\u00edm klient\u016fm s vysok\u00fdmi p\u0159\u00edjmy, stabiln\u00edm zam\u011bstn\u00e1n\u00edm a dobrou \u00fav\u011brovou histori\u00ed.<\/p>\n

Pro\u010d pot\u0159ebujete p\u0159eklenovac\u00ed hypot\u00e9ku ve \u0160pan\u011blsku?<\/h2>\n

P\u0159eklenovac\u00ed hypot\u00e9ka je ur\u010dena pro ty, kte\u0159\u00ed uva\u017euj\u00ed o zm\u011bn\u011b bydlen\u00ed a z\u00e1rove\u0148 pokra\u010duj\u00ed ve spl\u00e1cen\u00ed hypot\u00e9ky na st\u00e1vaj\u00edc\u00ed bydlen\u00ed. P\u0159eklenovac\u00ed hypot\u00e9ka v\u00e1m umo\u017e\u0148uje kombinovat dv\u011b hypot\u00e9ky \u2013 jednu na v\u00e1\u0161 star\u00fd domov a jednu na v\u00e1\u0161 nov\u00fd domov \u2013 v\u00fdm\u011bnou za z\u00e1vazek prodat prvn\u00ed ve stanoven\u00e9 lh\u016ft\u011b, obvykle mezi 2 a 5 lety.<\/p>\n

Jak funguje p\u0159eklenovac\u00ed hypot\u00e9ka ve \u0160pan\u011blsku?<\/h2>\n

Sch\u00e9ma p\u0159eklenovac\u00ed hypot\u00e9ky ve \u0160pan\u011blsku je n\u00e1sleduj\u00edc\u00ed:<\/p>\n

    \n
  1. Klient banky spl\u00e1c\u00ed hypot\u00e9ku na bydlen\u00ed a z\u00e1rove\u0148 se rozhodne po\u0159\u00eddit si nov\u00e9, rovn\u011b\u017e s vyu\u017eit\u00edm hypot\u00e9ky. Obr\u00e1t\u00ed se na banku, kter\u00e1 mu poskytne nov\u00fd hypote\u010dn\u00ed \u00fav\u011br na koupi bydlen\u00ed v\u00fdm\u011bnou za z\u00e1vazek prodat sv\u00e9 prvn\u00ed bydlen\u00ed do 2 a\u017e 5 let (podle po\u017eadavk\u016f banky).<\/li>\n
  2. Jakmile dojde k prodeji, dlu\u017en\u00edk splat\u00ed bance odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stku dluhu a nad\u00e1le plat\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky za nov\u00e9 bydlen\u00ed.<\/li>\n<\/ol>\n

    Jak z\u00edskat p\u0159eklenovac\u00ed hypot\u00e9ku?<\/h2>\n

    Banky jsou velmi kritick\u00e9 v\u016f\u010di klient\u016fm, kte\u0159\u00ed \u017e\u00e1daj\u00ed o p\u0159eklenovac\u00ed hypot\u00e9ku. Tento typ \u00fav\u011bru je poskytov\u00e1n pouze tehdy, pokud je banka zcela p\u0159esv\u011bd\u010dena o dlu\u017en\u00edkovi a jeho solventnosti. Vzhledem k tomu, \u017ee p\u0159eklenovac\u00ed hypot\u00e9ka jsou v podstat\u011b dv\u011b velk\u00e9 p\u016fj\u010dky najednou, banky velmi pe\u010dliv\u011b prov\u011b\u0159uj\u00ed dlu\u017en\u00edka, ne\u017e se rozhodnou mu p\u0159eklenovac\u00ed hypot\u00e9ku poskytnout. Zohled\u0148uj\u00ed se faktory jako vysok\u00fd p\u0159\u00edjem, stabiln\u00ed zam\u011bstn\u00e1n\u00ed, dobr\u00e1 \u00fav\u011brov\u00e1 historie atd. [toto m\u00edsto].<\/p>\n

    Vlastnosti prozat\u00edmn\u00ed hypot\u00e9ky<\/h2>\n

    Maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru s p\u0159ihl\u00e9dnut\u00edm k posouzen\u00ed dvou objekt\u016f<\/h3>\n

    Maxim\u00e1ln\u00ed v\u00fd\u0161e p\u0159eklenovac\u00ed hypot\u00e9ky je 80 % z odhadn\u00ed hodnoty nemovitosti. Je v\u0161ak d\u016fle\u017eit\u00e9 m\u00edt na pam\u011bti, \u017ee se bav\u00edme o posouzen\u00ed dvou dom\u016f najednou, co\u017e znamen\u00e1, \u017ee pokud jste ji\u017e v dob\u011b pod\u00e1n\u00ed \u017e\u00e1dosti o p\u0159eklenovac\u00ed hypot\u00e9ku splatili zna\u010dnou \u010d\u00e1st n\u00e1klad\u016f na prvn\u00ed bydlen\u00ed, m\u016f\u017eete po\u010d\u00edtat s velmi zna\u010dnou \u010d\u00e1stkou, kter\u00e1 pokryje n\u00e1klady na novou nemovitost v pln\u00e9 nebo t\u00e9m\u011b\u0159 pln\u00e9 v\u00fd\u0161i.<\/p>\n

    Zm\u011bny m\u011bs\u00ed\u010dn\u00ed kv\u00f3ty po prodeji prvn\u00edho domu<\/h3>\n

    Podm\u00ednky se mohou v jednotliv\u00fdch bank\u00e1ch li\u0161it, ale ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f, dokud se neprod\u00e1 prvn\u00ed d\u016fm, m\u011bs\u00ed\u010dn\u00ed kv\u00f3ta zahrnuje pouze bankovn\u00ed \u00farok. Po prodeji star\u00e9ho domu bude platba ji\u017e zahrnovat jak \u00faroky z nesplacen\u00e9 \u010d\u00e1sti \u00fav\u011bru, tak \u010d\u00e1st jistiny \u00fav\u011bru. Jin\u00fdmi slovy, dokud se star\u00fd d\u016fm neprod\u00e1, budou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky ni\u017e\u0161\u00ed, ale tak\u00e9 je t\u0159eba pamatovat na to, \u017ee po tuto dobu se nespl\u00e1c\u00ed jistina hypot\u00e9ky, plat\u00ed se pouze \u00faroky.<\/p>\n

    \u017d\u00e1dn\u00e9 amortiza\u010dn\u00ed poplatky p\u0159i prvn\u00edm prodeji domu<\/h3>\n

    Obvykle se pen\u00edze z prodeje prvn\u00edho domu pou\u017eij\u00ed na splacen\u00ed \u010d\u00e1sti hypote\u010dn\u00edho dluhu. Banky si obvykle \u00fa\u010dtuj\u00ed poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky, ale v p\u0159\u00edpad\u011b p\u0159eklenovac\u00ed hypot\u00e9ky, kdy je \u010d\u00e1st \u00fav\u011bru amortizov\u00e1na po prodeji prvn\u00edho bydlen\u00ed, se tento poplatek dlu\u017en\u00edkovi ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f ne\u00fa\u010dtuje. Smlouvu si v\u0161ak p\u0159ed podpisem rad\u011bji pe\u010dliv\u011b p\u0159e\u010dt\u011bte, abyste p\u0159ede\u0161li p\u0159\u00edpadn\u00fdm nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm. S dotazy ohledn\u011b z\u00edsk\u00e1n\u00ed hypot\u00e9ky ve \u0160pan\u011blsku<\/a> se m\u016f\u017eete obr\u00e1tit na na\u0161e specialisty. P\u0159ipom\u00edn\u00e1me, \u017ee \u201eAlegria\u201c garantuje 100% schv\u00e1len\u00ed hypot\u00e9ky ve \u0160pan\u011blsku na \u00farovni banky po p\u0159edb\u011b\u017en\u00e9 kontrole v\u0161ech dokument\u016f specialisty spole\u010dnosti.<\/p>","protected":false},"excerpt":{"rendered":"

    P\u0159eklenovac\u00ed hypot\u00e9ka je ide\u00e1ln\u00ed variantou pro ty, kte\u0159\u00ed si\u2026<\/p>\n","protected":false},"author":19,"featured_media":459412,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[73],"tags":[],"class_list":["post-459411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-in-spain"],"yoast_head":"\n\u0411\u0440\u0438\u0434\u0436-\u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438: \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u043d\u0430 \u0441\u043c\u0435\u043d\u0443 \u0436\u0438\u043b\u044c\u044f<\/title>\n<meta name=\"description\" content=\"\u0412 \u044d\u0442\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u043c\u044b 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