{"id":248560,"date":"2022-03-03T15:11:57","date_gmt":"2022-03-03T14:11:57","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=248560"},"modified":"2022-03-03T15:11:57","modified_gmt":"2022-03-03T14:11:57","slug":"dtest-hypoteka-naruby-a-jeji-rizika","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=248560","title":{"rendered":"dTest: Hypot\u00e9ka naruby a jej\u00ed rizika"},"content":{"rendered":"
Finan\u010dn\u00ed trh nab\u00edz\u00ed v sou\u010dasnosti \u0159e\u0161en\u00ed t\u00e9m\u011b\u0159 pro v\u0161echny situace. Chcete si p\u0159ilep\u0161it k d\u016fchodu a vlastn\u00edte nemovitost? Je tu reverzn\u00ed hypot\u00e9ka. V\u00fdm\u011bnou za z\u0159\u00edzen\u00ed z\u00e1stavn\u00edho pr\u00e1va k va\u0161\u00ed nemovitosti v\u00e1m m\u016f\u017ee b\u00fdt vypl\u00e1cena po ur\u010ditou dobu renta, kterou m\u016f\u017eete vyu\u017e\u00edvat podle sv\u00fdch pot\u0159eb.<\/h6>\n

\"\"P\u0159edstava to m\u016f\u017ee b\u00fdt l\u00e1kav\u00e1, ale rozhodnut\u00ed tohoto typu by se nikdy nem\u011blo \u010dinit bez pot\u0159ebn\u00e9 konzultace anebo pod tlakem. Pokud o tomto produktu z jak\u00e9hokoli d\u016fvodu uva\u017eujete, m\u011bli byste si uv\u011bdomit, co v\u0161echno v\u00e1m nebo va\u0161im d\u011bdic\u016fm tzv. hypot\u00e9ka naruby m\u016f\u017ee p\u0159in\u00e9st.<\/p>\n

Reverzn\u00ed hypot\u00e9ka je nab\u00edzena jako produkt, jen\u017e m\u016f\u017ee b\u00fdt \u0159e\u0161en\u00edm pro seniory, kte\u0159\u00ed vlastn\u00ed nemovitost, a p\u0159itom nemaj\u00ed dostatek finan\u010dn\u00edch prost\u0159edk\u016f na jej\u00ed udr\u017eov\u00e1n\u00ed, spl\u00e1cen\u00ed jin\u00fdch dluh\u016f anebo si cht\u011bj\u00ed nav\u00fd\u0161it pravideln\u00fd d\u016fchod z jin\u00fdch d\u016fvod\u016f. Nebankovn\u00ed poskytovatel\u00e9 spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f na bydlen\u00ed nab\u00edzej\u00ed mo\u017enost p\u016fj\u010dky, jej\u00ed\u017e spl\u00e1cen\u00ed ani \u00faroky nejsou \u0159e\u0161eny b\u011bhem \u017eivota toho, kdo si p\u016fj\u010duje, ale budou vypo\u0159\u00e1d\u00e1ny po jeho smrti. P\u016fj\u010dka, kterou m\u016f\u017eete vy\u010derpat jednor\u00e1zov\u011b, anebo se dohodnout na vypl\u00e1cen\u00ed pravideln\u00e9 renty, je zaji\u0161t\u011bna z\u00e1stavn\u00edm pr\u00e1vem k nemovitosti ve prosp\u011bch v\u011b\u0159itele. \u201ePr\u00e1v\u011b tuto skute\u010dnost je nutn\u00e9 si uv\u011bdomit, pokud se pro tento typ spot\u0159ebitelsk\u00e9ho \u00fav\u011bru rozhodujeme, proto\u017ee jde o formu zaji\u0161t\u011bn\u00ed, kter\u00e1 pro n\u00e1s m\u016f\u017ee znamenat dal\u0161\u00ed omezen\u00ed v nakl\u00e1d\u00e1n\u00ed s nemovitost\u00ed,\u201c<\/em> \u0159\u00edk\u00e1 Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Celkov\u00e1 suma, kterou v\u00e1m v\u011b\u0159itel takto poskytne, se nebude rovnat, ale ani bl\u00ed\u017eit hodnot\u011b nemovitosti, kterou je takov\u00fd \u00fav\u011br zaji\u0161t\u011bn. Typicky se v\u00fd\u0161e v\u00fdplaty pohybuje mezi 10 a\u017e 50 % hodnoty nemovitosti podle v\u011bku dlu\u017en\u00edka. V\u00fd\u0161e \u00farokov\u00e9 sazby bude typicky o 3 a\u017e 4 % vy\u0161\u0161\u00ed ne\u017e je tomu u b\u011b\u017en\u00fdch hypote\u010dn\u00edch \u00fav\u011br\u016f.<\/p>\n

Ov\u011b\u0159en\u00ed poskytovatele u \u010cNB<\/h6>\n

\u010cinnost poskytovatel\u016f spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f je upravena z\u00e1konem a dohl\u00ed\u017eena \u010ceskou n\u00e1rodn\u00ed bankou, a proto je dobr\u00e9 si opr\u00e1vn\u011bn\u00ed poskytovatele ov\u011b\u0159it v registru \u010cNB. Produkt s\u00e1m ale z\u00e1konem specificky upraven nen\u00ed, plat\u00ed pro n\u011bj b\u011b\u017en\u00e1 pravidla stanoven\u00e1 z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru pro \u00fav\u011bry na bydlen\u00ed a sou\u010dasn\u011b \u00faprava ob\u010dansk\u00e9ho z\u00e1kon\u00edku v oblasti z\u00e1stavn\u00edho pr\u00e1va k nemovitostem a d\u011bdick\u00e9ho \u0159\u00edzen\u00ed.<\/p>\n

Reverzn\u00ed hypot\u00e9ka ur\u010dit\u011b nen\u00ed produktem, kter\u00fd by byl ur\u010den pro ka\u017ed\u00e9ho a je z\u0159ejm\u00e9, \u017ee se hod\u00ed sp\u00ed\u0161e pro ty, kdo \u017e\u00e1dn\u00e9 d\u011bdice nemaj\u00ed. Je zac\u00edlen na star\u0161\u00ed generaci, a proto bychom m\u011bli v\u011bd\u011bt, \u017ee povinnost starat se o nemovitost a udr\u017eovat ji v \u0159\u00e1dn\u00e9m stavu po\u0159\u00edzen\u00edm p\u016fj\u010dky rozhodn\u011b nezmiz\u00ed a i nad\u00e1le pro n\u00e1s m\u016f\u017ee p\u0159edstavovat z\u00e1t\u011b\u017e jak pracovn\u00ed a \u010dasovou, tak i finan\u010dn\u00ed.<\/p>\n

Obez\u0159etnost je ale na m\u00edst\u011b v\u017edy, nebo\u0165 i tento specifick\u00fd \u00fav\u011br z\u016fst\u00e1v\u00e1 st\u00e1le jen p\u016fj\u010dkou, co\u017e znamen\u00e1, \u017ee vy\u010derpan\u00e9 pen\u00edze budou muset b\u00fdt poskytovateli jednou vr\u00e1ceny. A\u0165 ji\u017e se tak stane d\u00edky tomu, \u017ee \u00fav\u011br splat\u00ed na\u0161i d\u011bdicov\u00e9 (zpravidla je po\u017eadov\u00e1no, aby se tak stalo do 6 m\u011bs\u00edc\u016f od smrti z\u016fstavitele), anebo tak, \u017ee v\u011b\u0159itel bude uspokojen z prost\u0159edk\u016f z\u00edskan\u00fdch prodejem nemovitosti. \u201eJe nutn\u00e9 br\u00e1t v potaz, \u017ee to budou pr\u00e1v\u011b d\u011bdicov\u00e9, kdo bude \u0159e\u0161it vypo\u0159\u00e1d\u00e1n\u00ed dluhu v r\u00e1mci d\u011bdick\u00e9ho \u0159\u00edzen\u00ed,\u201c<\/em> upozor\u0148uje Hek\u0161ov\u00e1.<\/p>\n

Text a foto: dTest<\/strong><\/p>\n

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