[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.amateto.cz\/je-hypoteka-po-insolvenci-dobry-napad\/#Article","mainEntityOfPage":"https:\/\/www.amateto.cz\/je-hypoteka-po-insolvenci-dobry-napad\/","headline":"Je hypot\u00e9ka po insolvenci dobr\u00fd n\u00e1pad?","name":"Je hypot\u00e9ka po insolvenci dobr\u00fd n\u00e1pad?","description":"D\u016fvod\u016f, pro\u010d lid\u00e9 kupuj\u00ed nemovitosti, a to i na hypot\u00e9ku, je mnoho. To plat\u00ed dnes, v dob\u011b jejich prudce rostouc\u00edch cen, v\u00edce ne\u017e kdy jindy.…","datePublished":"2022-04-03","dateModified":"2022-04-03","author":{"@type":"Person","@id":"https:\/\/www.amateto.cz\/author\/#Person","name":"","url":"https:\/\/www.amateto.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"amateto.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.amateto.cz\/wp-content\/uploads\/hypoteka2_10_10_10_10_10_4.jpg","url":"https:\/\/www.amateto.cz\/wp-content\/uploads\/hypoteka2_10_10_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.amateto.cz\/je-hypoteka-po-insolvenci-dobry-napad\/","wordCount":413,"articleBody":"   D\u016fvod\u016f, pro\u010d lid\u00e9 kupuj\u00ed nemovitosti, a to i na hypot\u00e9ku, je mnoho. To plat\u00ed dnes, v dob\u011b jejich prudce rostouc\u00edch cen, v\u00edce ne\u017e kdy jindy. \u010casto se toti\u017e nejedn\u00e1 o to naj\u00edt si bydlen\u00ed, n\u00fdbr\u017e o zp\u016fsob, jak vy\u0159e\u0161it svou finan\u010dn\u00ed situaci.P\u0159edstava je v tomto p\u0159\u00edpad\u011b jednoduch\u00e1: jsme ve finan\u010dn\u00ed t\u00edsni, nap\u0159\u00edklad po insolvenci. Vezmeme si tedy hypot\u00e9ku a koup\u00edme d\u016fm \u010di byt. Ten b\u011bhem doby stoupne na cen\u011b, a my jej po \u010dase prod\u00e1me s vysok\u00fdm ziskem. A vzhledem k tomu, \u017ee je mo\u017en\u00e9 prodat i nemovitost zat\u00ed\u017eenou hypot\u00e9kou, nemus\u00edme \u010dekat i deset let, ne\u017e ji splat\u00edme.Tato strategie, tedy hypot\u00e9ka po insolvenci s t\u00edm, \u017ee se j\u00ed po n\u011bjak\u00e9 dob\u011b zbav\u00edme, v\u0161ak nen\u00ed ani zdaleka tak v\u00fdhodn\u00e1, jak se m\u016f\u017ee na prvn\u00ed pohled zd\u00e1t. M\u00e1 toti\u017e hned n\u011bkolik z\u00e1va\u017en\u00fdch h\u00e1\u010dk\u016f, kter\u00e9 mnoh\u00fdm lidem nemus\u00ed b\u00fdt na prvn\u00ed pohled patrn\u00e9.V prvn\u00ed \u0159ad\u011b je to fakt, \u017ee prodat nemovitost zat\u00ed\u017eenou hypot\u00e9kou rozhodn\u011b nen\u00ed nic snadn\u00e9ho. Jen m\u00e1lokdo bude ochoten takovou koupit. V\u011bt\u0161ina lid\u00ed po\u010dk\u00e1, a\u017e bude k dispozici takov\u00e1, kter\u00e1 je bez z\u00e1vazk\u016f, by\u0165 i za pon\u011bkud vy\u0161\u0161\u00ed cenu.Tak\u00e9 co se financ\u00ed t\u00fd\u010de, nen\u00ed to a\u017e tak ziskov\u00e9 ani v p\u0159\u00edpad\u011b, \u017ee se n\u00e1m skute\u010dn\u011b poda\u0159\u00ed ji prodat. Mus\u00edme toti\u017e po\u010d\u00edtat s t\u00edm, \u017ee na\u0161e n\u00e1klady budou muset zahrnout nejen p\u016fvodn\u00ed kupn\u00ed cenu, ale tak\u00e9 \u00faroky a poplatky z hypot\u00e9ky plus spl\u00e1tky, kter\u00e9 jsme do doby prodeje splatili. Jen tak ji skute\u010dn\u011b prod\u00e1me se ziskem.Samotn\u00e9 spl\u00e1cen\u00ed p\u0159edstavuje dal\u0161\u00ed pom\u011brn\u011b v\u00e1\u017en\u00fd probl\u00e9m: Pokud jsme ve \u0161patn\u00e9 finan\u010dn\u00ed situaci, je velmi pravd\u011bpodobn\u00e9, \u017ee nebudeme m\u00edt ani dostatek pen\u011bz na to, abychom hypot\u00e9ku dok\u00e1zali bez probl\u00e9mu spl\u00e1cet. A v takov\u00e9m p\u0159\u00edpad\u011b samoz\u0159ejm\u011b poneseme n\u00e1sledky. Nehled\u011b na to, \u017ee nemovitost, u kter\u00e9 je na hypot\u00e9ce dluh, nikdo nekoup\u00ed.Proto, a\u010dkoliv investice do nemovitost\u00ed b\u00fdvaj\u00ed \u010dasto v\u00fdhodn\u00e9, toto rozhodn\u011b nen\u00ed ten p\u0159\u00edpad. Lep\u0161\u00ed je zde se poohl\u00e9dnout po jin\u00e9m \u0159e\u0161en\u00ed, kter\u00e9 nezahrnuje dal\u0161\u00ed zadlu\u017een\u00ed. Jen tak se m\u016f\u017eeme dostat zp\u011bt na nohy.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je hypot\u00e9ka po insolvenci dobr\u00fd n\u00e1pad?","item":"https:\/\/www.amateto.cz\/je-hypoteka-po-insolvenci-dobry-napad\/#breadcrumbitem"}]}]