{"id":355140,"date":"2025-08-28T18:50:10","date_gmt":"2025-08-28T17:50:10","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=355140"},"modified":"2025-08-28T18:50:10","modified_gmt":"2025-08-28T17:50:10","slug":"dtest-hypoteka-naruby-pomoc-ve-stari-nebo-rodinny-rozvrat","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=355140","title":{"rendered":"dTest: Hypot\u00e9ka naruby. Pomoc ve st\u00e1\u0159\u00ed, nebo rodinn\u00fd rozvrat?"},"content":{"rendered":"

Ceny narostly, \u00faspory doch\u00e1zej\u00ed a starost\u00ed o d\u016fm \u010di byt p\u0159ib\u00fdv\u00e1. Za\u017e\u00edv\u00e1te-li na star\u00e1 kolena podobn\u00e9 trable, mo\u017en\u00e1 jste se na internetu setkali s\u00a0nab\u00eddkou reverzn\u00ed hypot\u00e9ky. Produkt u\u0161it\u00fd na m\u00edru senior\u016fm je \u010dasto prezentov\u00e1n jako cesta ke klidn\u00e9mu st\u00e1\u0159\u00ed. Co je nutn\u00e9 zv\u00e1\u017eit p\u0159ed podpisem smlouvy?<\/h4>\n

Jak to funguje<\/strong><\/h6>\n

\"\"Reverzn\u00ed nebo tak\u00e9 zp\u011btn\u00e1 hypot\u00e9ka je \u00fav\u011br. Na rozd\u00edl od b\u011b\u017en\u00e9 hypot\u00e9ky ji ale nepou\u017eijete na n\u00e1kup \u010di rekonstrukci nemovitosti. Jej\u00edmu poskytovali sta\u010d\u00ed, \u017ee nemovitost u\u017e m\u00e1te a jste ochotni ji d\u00e1t do z\u00e1stavy. \u201eOdm\u011bnou za to obdr\u017e\u00edte rentu \u010di jednor\u00e1zovou \u010d\u00e1stku a o spl\u00e1cen\u00ed se ji\u017e nemus\u00edte starat. Poskytovatel se toti\u017e po va\u0161\u00ed smrti uspokoj\u00ed ze zastaven\u00e9 nemovitosti, pop\u0159\u00edpad\u011b dluh p\u0159eberou va\u0161i d\u011bdici,\u201c\u00a0<\/em>vysv\u011btluje \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest Eduarda Hek\u0161ov\u00e1.Jak je patrn\u00e9, vy\u0159izov\u00e1n\u00ed reverzn\u00ed hypot\u00e9ky je pon\u011bkud choulostivou z\u00e1le\u017eitost\u00ed, proto se j\u00ed banky prozat\u00edm vyh\u00fdbaj\u00ed. Nutno dodat, \u017ee v\u00a0mnoha zem\u00edch se nicm\u00e9n\u011b jedn\u00e1 o b\u011b\u017en\u00fd n\u00e1stroj finan\u010dn\u00edho trhu.<\/p>\n

Zva\u017ete rizika<\/strong><\/h6>\n

Zaujala v\u00e1s nab\u00eddka zp\u011btn\u00e9 hypot\u00e9ky online? D\u016fkladn\u011b se seznamte se smluvn\u00ed dokumentac\u00ed a ide\u00e1ln\u011b se pora\u010fte s\u00a0odborn\u00edkem \u010di alespo\u0148 rodinou. Rovn\u011b\u017e m\u011bjte na pam\u011bti, \u017ee finan\u010dn\u00ed produkty, kter\u00e9 se ozna\u010duj\u00ed shodn\u011b, mohou m\u00edt r\u016fzn\u00e9 podm\u00ednky.<\/p>\n

Polo\u017ete si zejm\u00e9na n\u00e1sleduj\u00edc\u00ed ot\u00e1zky:<\/p>\n

    \n
  • Mus\u00edte \u00fav\u011br splatit za sv\u00e9ho \u017eivota, \u010di a\u017e po sv\u00e9m odchodu?<\/li>\n
  • Je dluh omezen hodnotou nemovitosti? Pokud ne, m\u016f\u017ee doj\u00edt k p\u0159edlu\u017een\u00ed d\u011bdictv\u00ed a pot\u00ed\u017e\u00edm na stran\u011b d\u011bdic\u016f.<\/li>\n
  • Z\u016fst\u00e1v\u00e1te vlastn\u00edkem, nebo vlastnick\u00e9 pr\u00e1vo p\u0159ech\u00e1z\u00ed na n\u011bkoho jin\u00e9ho? Pokud vlastnictv\u00ed nemovitosti p\u0159ech\u00e1z\u00ed na \u201eposkytovatele\u201c a je v\u00e1m garantov\u00e1no pouze do\u017eivotn\u00ed u\u017e\u00edv\u00e1n\u00ed, nechr\u00e1n\u00ed v\u00e1s z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru.<\/li>\n
  • Jak je zaji\u0161t\u011bno u\u017e\u00edv\u00e1n\u00ed nemovitosti? Pouh\u00e1 smlouva nesta\u010d\u00ed, v\u017edy je nutn\u00e9 trvat na z\u00e1pisu v\u011bcn\u00e9ho pr\u00e1va.<\/li>\n
  • Kdo za nemovitost odpov\u00edd\u00e1? Obecn\u00e1 pr\u00e1vn\u00ed pou\u010dka \u0159\u00edk\u00e1, \u017ee vlastnictv\u00ed zavazuje. I po uzav\u0159en\u00ed smlouvy se tak nemus\u00edte vyhnout \u00fadr\u017eb\u011b a nutn\u00fdm oprav\u00e1m, tak\u017ee v\u00e1m z renty st\u00e1le nemus\u00ed mnoho zb\u00fdvat.<\/li>\n
  • Kolik pen\u011bz skute\u010dn\u011b dostanete? V\u00fd\u0161e vyplacen\u00e9 \u010d\u00e1stky z\u00e1vis\u00ed na va\u0161em v\u011bku a zdravotn\u00edm stavu. Obnos, kter\u00fd z\u00edsk\u00e1te, je v\u0161ak zpravidla v nepom\u011bru v\u016f\u010di hodnot\u011b nemovitosti. \u00daroky nav\u00edc mohou dluh do doby splacen\u00ed v\u00fdrazn\u011b nav\u00fd\u0161it, \u010d\u00edm\u017e sv\u00fdm d\u011bdic\u016fm op\u011bt zad\u011bl\u00e1v\u00e1te na probl\u00e9my.<\/li>\n<\/ul>\n

    Podle N\u00e1rodn\u00ed ekonomick\u00e9 rady vl\u00e1dy by vyu\u017e\u00edv\u00e1n\u00ed reverzn\u00edch hypot\u00e9k mohlo obohatit sadu n\u00e1stroj\u016f, kter\u00e9 mohou pou\u017e\u00edt zejm\u00e9na star\u0161\u00ed dom\u00e1cnosti pro \u0159e\u0161en\u00ed probl\u00e9mu s likviditou. Tento n\u00e1stroj by dle NERV mohl pomoci zejm\u00e9na lidem, kte\u0159\u00ed \u017eij\u00ed v energeticky n\u00e1ro\u010dn\u00fdch budov\u00e1ch a jsou ohro\u017eeni energetickou chudobou. Reverzn\u00ed hypot\u00e9ka tak m\u016f\u017ee b\u00fdt v krajn\u00ed situaci u star\u0161\u00edch \u010di osamocen\u00fdch dom\u00e1cnost\u00ed \u0159e\u0161en\u00edm.<\/p>\n

    \u201eP\u0159edt\u00edm ale zva\u017ete alternativy. Nab\u00edz\u00ed se situaci \u0159e\u0161it nejprve v\u00a0r\u00e1mci rodiny. Pokud odhl\u00e9dneme od citov\u00fdch vazeb, p\u0159\u00edpadn\u00ed d\u011bdicov\u00e9 mohou m\u00edt na pomoci sv\u00fdm bli\u017en\u00edm i finan\u010dn\u00ed z\u00e1jem. V\u00a0mnoha p\u0159\u00edpadech bude \u010d\u00e1stka finan\u010dn\u00ed pomoci men\u0161\u00ed ne\u017e ta n\u00e1sledn\u011b vynalo\u017een\u00e1 na spl\u00e1cen\u00ed dluhu<\/em>,\u201c upozor\u0148uje Hek\u0161ov\u00e1 z\u00a0dTestu.<\/p>\n

    Pro n\u011bkter\u00e9 z\u016fstavitele je rovn\u011b\u017e d\u016fle\u017eit\u00e9, aby majetek mohl z\u016fstat v\u00a0rodin\u011b. D\u00e1le se nab\u00edz\u00ed zv\u00e1\u017eit tak\u00e9 prodej nemovitosti s n\u00e1slednou koup\u00ed men\u0161\u00edho bytu, i kdy\u017e i to m\u00e1 s\u00a0p\u0159ib\u00fdvaj\u00edc\u00edm v\u011bkem limity. V\u00a0ka\u017ed\u00e9m p\u0159\u00edpad\u011b doporu\u010dujeme situaci v\u017edy konzultovat s\u00a0osobami, jim\u017e d\u016fv\u011b\u0159ujete.<\/p>\n

    dTest<\/strong><\/p>\n

    \n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    Ceny narostly, <\/p>\n","protected":false},"author":2,"featured_media":355143,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2025\/08\/28\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/355140"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=355140"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/355140\/revisions"}],"predecessor-version":[{"id":355142,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/355140\/revisions\/355142"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/355143"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=355140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=355140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=355140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}