{"id":460879,"date":"2022-10-20T17:45:10","date_gmt":"2022-10-20T14:45:10","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=460879"},"modified":"2025-08-14T21:34:04","modified_gmt":"2025-08-14T18:34:04","slug":"mortgage-in-spain-for-40-years","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/mortgage-in-spain-for-40-years","title":{"rendered":"Hypot\u00e9ka ve \u0160pan\u011blsku na 40 let: jak ji z\u00edskat"},"content":{"rendered":"<p>P\u0159esto\u017ee se obecn\u011b podm\u00ednky pro z\u00edsk\u00e1n\u00ed <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/mortgage-in-spain\">hypote\u010dn\u00edch \u00fav\u011br\u016f ve \u0160pan\u011blsku<\/a> zp\u0159\u00edsnily, n\u011bkter\u00e9 banky nad\u00e1le nab\u00edzej\u00ed sv\u00fdm klient\u016fm hypot\u00e9ky a\u017e na 40 let. Pro z\u00edsk\u00e1n\u00ed t\u011bchto p\u016fj\u010dek mus\u00edte splnit \u0159adu podm\u00ednek, kter\u00e9 si probereme n\u00ed\u017ee.<\/p>\n<h2> Nastaviteln\u00e1 sazba hypot\u00e9ky<\/h2>\n<p> T\u00e9m\u011b\u0159 ve 100 % p\u0159\u00edpad\u016f jsou dlouhodob\u00e9 p\u016fj\u010dky hypot\u00e9ky s pohyblivou sazbou. Vzhledem k tomu, \u017ee se bav\u00edme o dlouh\u00e9 dob\u011b plateb, nen\u00ed pro banky v\u00fdhodn\u00e9 nab\u00edzet fixn\u00ed sazbu, kter\u00e1 pro n\u011b bude z dlouhodob\u00e9ho hlediska znamenat ztr\u00e1tu zisku (za 30-40 let sazby ur\u010dit\u011b porostou).<\/p>\n<h2> Dlouhodob\u011bj\u0161\u00ed \u2013 ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/h2>\n<p> Jednou z v\u00fdhod dlouhodob\u00e9 hypot\u00e9ky jsou n\u00edzk\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Vzhledem k tomu, \u017ee \u00fav\u011br bude muset b\u00fdt spl\u00e1cen dlouhodob\u011b \u2013 a\u017e 40 let \u2013 bude odpov\u00eddaj\u00edc\u00edm zp\u016fsobem ni\u017e\u0161\u00ed i v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek. V tomto ohledu bude dlouhodob\u00e1 hypot\u00e9ka v\u00fdbornou variantou pro rodiny s n\u00edzk\u00fdmi p\u0159\u00edjmy.<\/p>\n<h2> Zv\u00fd\u0161en\u00e9 bankovn\u00ed \u00farokov\u00e9 sazby<\/h2>\n<p> Hlavn\u00ed nev\u00fdhodou dlouhodob\u00e9 hypot\u00e9ky je zv\u00fd\u0161en\u00e1 \u010d\u00e1stka, kterou je nutn\u00e9 zaplatit na bankovn\u00edch \u00faroc\u00edch. M\u011bs\u00ed\u010dn\u00ed kv\u00f3ty u takov\u00fdch hypot\u00e9k jsou sice ni\u017e\u0161\u00ed ne\u017e u b\u011b\u017en\u00fdch, ale zahrnuj\u00ed bankovn\u00ed \u00farok, kter\u00fd tvo\u0159\u00ed v\u00fdznamnou \u010d\u00e1st spl\u00e1tek, tak\u017ee kone\u010dn\u00e1 \u010d\u00e1stka, kterou bance vr\u00e1t\u00edte, bude \u0159\u00e1dov\u011b vy\u0161\u0161\u00ed ne\u017e v p\u0159\u00edpad\u011b hypot\u00e9ky na krat\u0161\u00ed dobu. Dlouhodob\u00e9 hypot\u00e9ky proto nejsou nejlep\u0161\u00ed variantou, jak dlouhodob\u011b spo\u0159it.<\/p>\n<h2> Pro dlu\u017en\u00edky do 35 let<\/h2>\n<p> Hypot\u00e9ky do 40 let jsou finan\u010dn\u00edm produktem, kter\u00fd banky nab\u00edzej\u00ed mlad\u00fdm lidem do 35 let. A nejde jen o v\u011bk, ale tak\u00e9 o to, \u017ee lid\u00e9 do 35 let maj\u00ed podle bank lep\u0161\u00ed postaven\u00ed na trhu pr\u00e1ce a v\u00edce p\u0159\u00edle\u017eitost\u00ed k v\u00fdd\u011blku, a jsou tedy solventn\u011bj\u0161\u00ed. Pokud je v\u00e1m tedy v\u00edce ne\u017e 35 let, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v\u00e1m dlouhodob\u00e1 hypot\u00e9ka nebude schv\u00e1lena. [toto m\u00edsto]<\/p>\n<h2> P\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky je dobr\u00fd zp\u016fsob, jak u\u0161et\u0159it pen\u00edze<\/h2>\n<p> Hypot\u00e9ky se splatnost\u00ed a\u017e 40 let pat\u0159\u00ed mezi kategorie \u00fav\u011br\u016f, kter\u00e9 je v\u00fdhodn\u00e9 p\u0159ed\u010dasn\u011b splatit zejm\u00e9na b\u011bhem prvn\u00edch 20 let. To je zp\u016fsobeno skute\u010dnost\u00ed, \u017ee, jak jsme ji\u017e \u0159ekli d\u0159\u00edve, dlouhodob\u00e9 p\u016fj\u010dky znamenaj\u00ed zv\u00fd\u0161enou \u010d\u00e1stku, kter\u00e1 mus\u00ed b\u00fdt zaplacena ve form\u011b bankovn\u00edch \u00farok\u016f. \u010c\u00edm d\u0159\u00edve bude p\u016fj\u010dka splacena, t\u00edm bude tato \u010d\u00e1stka ni\u017e\u0161\u00ed. Chcete-li to prov\u00e9st, m\u016f\u017eete se uch\u00fdlit k postup\u016fm novace hypot\u00e9ky nebo subrogace.<\/p>\n<h2> Proces \u017e\u00e1dosti o hypot\u00e9ku na 40 let je stejn\u00fd jako u ostatn\u00edch typ\u016f hypot\u00e9k.<\/h2>\n<p> Na z\u00e1v\u011br je t\u0159eba poznamenat, \u017ee a\u010dkoliv hypot\u00e9ka na 40 let nen\u00ed finan\u010dn\u00edm produktem, kter\u00fd banky nab\u00edzej\u00ed ve velk\u00e9m, postup p\u0159i \u017e\u00e1dosti o ni se neli\u0161\u00ed od postupu p\u0159i \u017e\u00e1dosti o b\u011b\u017enou hypot\u00e9ku na krat\u0161\u00ed dobu. Banka p\u0159ed kladn\u00fdm rozhodnut\u00edm pe\u010dliv\u011b prov\u011b\u0159uje toto\u017enost potenci\u00e1ln\u00edho dlu\u017en\u00edka. Jedin\u00fdm d\u016fle\u017eit\u00fdm bodem je v\u011bk klienta: mus\u00ed mu b\u00fdt m\u00e9n\u011b ne\u017e 35 let. P\u0159ipom\u00edn\u00e1me, \u017ee spole\u010dnost Alegria se specializuje na prodej nemovitost\u00ed s hypot\u00e9kou ve \u0160pan\u011blsku. Na\u0161i specialist\u00e9 jsou p\u0159ipraveni v\u00e1m poradit se v\u0161emi ot\u00e1zkami souvisej\u00edc\u00edmi se z\u00edsk\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru ve \u0160pan\u011blsku. Na\u0161im klient\u016fm nav\u00edc pom\u00e1h\u00e1me vybrat tu nejlep\u0161\u00ed variantu a garantujeme 100% schv\u00e1len\u00ed hypot\u00e9ky na \u00farovni banky po p\u0159edb\u011b\u017en\u00e9m ov\u011b\u0159en\u00ed dokument\u016f na\u0161imi specialisty. Na\u0161i nab\u00eddku nemovitost\u00ed ve \u0160pan\u011blsku si m\u016f\u017eete prohl\u00e9dnout <a href=\"https:\/\/alegria-realestate.com\/ru\/sale\">v katalogu<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"<p>P\u0159esto\u017ee se obecn\u011b podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f ve\u2026<\/p>\n","protected":false},"author":19,"featured_media":460880,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,957],"tags":[],"class_list":["post-460879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-mortgage-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u0432 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u043d\u0430 40 \u043b\u0435\u0442: 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