[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fragante.cz\/jak-si-poradit-se-zastavou-u-hypoteky-na-pozemek\/#Article","mainEntityOfPage":"https:\/\/www.fragante.cz\/jak-si-poradit-se-zastavou-u-hypoteky-na-pozemek\/","headline":"Jak si poradit se z\u00e1stavou u hypot\u00e9ky na pozemek?","name":"Jak si poradit se z\u00e1stavou u hypot\u00e9ky na pozemek?","description":"M\u00edt dostatek vlastn\u00edch zdroj\u016f na po\u0159\u00edzen\u00ed parcely a kompletn\u00ed stavbu nov\u00e9ho domu jednodu\u0161e nen\u00ed mo\u017en\u00e9. Alespo\u0148 pro norm\u00e1ln\u00ed lidi ne. Je logick\u00e9, \u017ee zam\u00ed\u0159\u00edte do","datePublished":"2020-01-12","dateModified":"2023-06-07","author":{"@type":"Person","@id":"https:\/\/www.fragante.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.fragante.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fragante.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fragante.cz\/wp-content\/uploads\/img_a378896_w4312_t1590130830.jpg","url":"https:\/\/www.fragante.cz\/wp-content\/uploads\/img_a378896_w4312_t1590130830.jpg","height":0,"width":0},"url":"https:\/\/www.fragante.cz\/jak-si-poradit-se-zastavou-u-hypoteky-na-pozemek\/","about":["Pen\u00edze"],"wordCount":406,"articleBody":"          M\u00edt dostatek vlastn\u00edch zdroj\u016f na po\u0159\u00edzen\u00ed parcely a kompletn\u00ed stavbu nov\u00e9ho domu jednodu\u0161e nen\u00ed mo\u017en\u00e9. Alespo\u0148 pro norm\u00e1ln\u00ed lidi ne. Je logick\u00e9, \u017ee zam\u00ed\u0159\u00edte do banky s \u017e\u00e1dost\u00ed o pen\u00edze. Mus\u00edte ov\u0161em v\u011bd\u011bt, \u017ee nedostanete v\u0161e najednou, ale budete \u010derpat postupn\u011b. Mus\u00edte m\u00edt p\u0159edem p\u0159ipravenou projektovou dokumentaci a mnoho dal\u0161\u00edch dokument\u016f, a hlavn\u011b m\u00edt dobrou z\u00e1stavu.   Mo\u017enosti financov\u00e1n\u00ed Nejlep\u0161\u00edmi variantami, kter\u00e9 m\u016f\u017eete zvolit je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed a hypot\u00e9ka na pozemek. P\u0159edem http:\/\/frankbold.org\/poradna\/kategorie\/uzemni-a-stavebni-rizeni\/rada\/neposkytnuti-kopie-projektove-dokumentace-ucastnikum  si ale ov\u011b\u0159te, zda je vybran\u00e1 parcela zapsan\u00e1 jako prostor ur\u010den\u00fd pro bydlen\u00ed prost\u0159ednictv\u00edm \u00fazemn\u00edho rozhodnut\u00ed, anebo zde bylo vyd\u00e1no stavebn\u00ed povolen\u00ed. Nebude-li tomu tak, m\u016f\u017eete \u010dekat vy\u0161\u0161\u00ed \u00farok a financov\u00e1n\u00ed d\u00edky americk\u00e9 hypot\u00e9ce nebo spot\u0159ebitelskou p\u016fj\u010dkou. Probl\u00e9my na obzoru Pl\u00e1nujete-li si po\u0159\u00eddit nejen parcelu, ale tak\u00e9 postavit d\u016fm a na dan\u00e9 m\u00edsto ji\u017e bylo vyd\u00e1no povolen\u00ed, nebudete m\u00edt se z\u00e1stavou a schv\u00e1len\u00edm \u017e\u00e1dosti \u017e\u00e1dn\u00fd probl\u00e9m. Pot\u00ed\u017ee mohou nastat, pokud je prostor zaps\u00e1n jako obyvateln\u00fd na z\u00e1klad\u011b regula\u010dn\u00edho nebo \u00fazemn\u00edho pl\u00e1nu. \u00dav\u011br sice dostanete, ale pozemek jako z\u00e1stavu vz\u00edt nemus\u00ed. V tom p\u0159\u00edpad\u011b budete pot\u0159ebovat jinou. D\u016fvodem ze strany banky je, \u017ee \u00fazemn\u00ed pl\u00e1ny se mohou zm\u011bnit a jeho tr\u017en\u00ed hodnota by se mohla razantn\u011b zm\u011bnit. Ale ka\u017ed\u00e1 spole\u010dnost k tomu p\u0159istupuje podle sv\u00e9ho. Mus\u00edte se proto p\u0159edem informovat u instituce, u kter\u00e9 si chcete za\u017e\u00e1dat. Dal\u0161\u00ed nemovitost jako z\u00e1stavu pro \u00fav\u011br m\u016f\u017eete z\u00edskat z vlastn\u00edch zdroj\u016f, pokud vlastn\u00edte je\u0161t\u011b n\u011bco jin\u00e9ho, anebo po\u017e\u00e1dejte \u010dlena rodiny.   Ni\u017e\u0161\u00ed \u00farok a ru\u010ditel Chcete-li dos\u00e1hnout ni\u017e\u0161\u00edho \u00faroku a nem\u00e1te dal\u0161\u00ed majetek, kter\u00fdm byste mohli ru\u010dit, jde to i jinak. \u00dav\u011br se stavebn\u00edho spo\u0159en\u00ed je v tomto p\u0159\u00edpad\u011b v\u00fdhodn\u011bj\u0161\u00ed, proto\u017ee nemus\u00edte ru\u010dit majetkem. Sta\u010d\u00ed, kdy\u017e do smlouvy zap\u00ed\u0161ete dal\u0161\u00ed osobu, kter\u00e1 bude jistit vlastn\u00edm p\u0159\u00edjmem. Ten samoz\u0159ejm\u011b mus\u00ed dolo\u017eit stejn\u011b jako \u017eadatel. Mus\u00edte ov\u0161em spo\u0159it alespo\u0148 dva roky.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si poradit se z\u00e1stavou u hypot\u00e9ky na pozemek?","item":"https:\/\/www.fragante.cz\/jak-si-poradit-se-zastavou-u-hypoteky-na-pozemek\/#breadcrumbitem"}]}]