[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.litaxs.cz\/i-chatu-lze-poridit-pokud-nemate-nasporeno\/#Article","mainEntityOfPage":"https:\/\/www.litaxs.cz\/i-chatu-lze-poridit-pokud-nemate-nasporeno\/","headline":"I chatu lze po\u0159\u00eddit, pokud nem\u00e1te naspo\u0159eno!","name":"I chatu lze po\u0159\u00eddit, pokud nem\u00e1te naspo\u0159eno!","description":"Dostat od banky hypot\u00e9ku na chatu nen\u00ed \u00fapln\u011b jednoduch\u00e9, stejn\u011b jako z\u00edskat hypot\u00e9ku na byt \u010di d\u016fm. Ka\u017ed\u00e1 hypot\u00e9ka m\u00e1 sv\u00e1 \u00faskal\u00ed a ka\u017ed\u00fd typ \u00fav\u011bru je v n\u011b\u010dem specifick\u00fd. Konkr\u00e9tn\u011b u hypot\u00e9ky na chatku m\u016f\u017ee b\u00fdt probl\u00e9m v celkov\u00e9 hodnot\u011b nemovitost. Samoz\u0159ejm\u011b m\u016f\u017eete po\u0159\u00eddit chalupu v hodnot\u011b n\u011bkolika milion\u016f korun, ale tak\u00e9 m\u016f\u017eete naj\u00edt...","datePublished":"2018-03-26","dateModified":"2018-03-26","author":{"@type":"Person","@id":"https:\/\/www.litaxs.cz\/author\/#Person","name":"","url":"https:\/\/www.litaxs.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"litaxs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.litaxs.cz\/wp-content\/uploads\/img_a316392_w1682_t1527365337.jpg","url":"https:\/\/www.litaxs.cz\/wp-content\/uploads\/img_a316392_w1682_t1527365337.jpg","height":0,"width":0},"url":"https:\/\/www.litaxs.cz\/i-chatu-lze-poridit-pokud-nemate-nasporeno\/","wordCount":435,"articleBody":"Dostat od banky hypot\u00e9ku na chatu nen\u00ed \u00fapln\u011b jednoduch\u00e9, stejn\u011b jako z\u00edskat hypot\u00e9ku na byt \u010di d\u016fm. Ka\u017ed\u00e1 hypot\u00e9ka m\u00e1 sv\u00e1 \u00faskal\u00ed a ka\u017ed\u00fd typ \u00fav\u011bru je v n\u011b\u010dem specifick\u00fd. Konkr\u00e9tn\u011b u hypot\u00e9ky na chatku m\u016f\u017ee b\u00fdt probl\u00e9m v celkov\u00e9 hodnot\u011b nemovitost. Samoz\u0159ejm\u011b m\u016f\u017eete po\u0159\u00eddit chalupu v hodnot\u011b n\u011bkolika milion\u016f korun, ale tak\u00e9 m\u016f\u017eete naj\u00edt vhodnou chatku pr\u00e1v\u011b pro \u00fa\u010dely pr\u00e1zdninov\u00e9ho odpo\u010dinku t\u0159eba za sto pades\u00e1t tis\u00edc korun.\tPokud si mysl\u00edte, \u017ee \u010d\u00edm m\u00e9n\u011b, t\u00edm l\u00e9pe pro va\u0161i hypot\u00e9ku, nen\u00ed tmu tak \u00fapln\u011b. Jde toti\u017e tak\u00e9 o to, jak\u00fd spodn\u00ed limit m\u00e1 banka pr\u00e1v\u011b pro poskytov\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f na rekrea\u010dn\u00ed objekty. N\u011bkter\u00e9 banky maj\u00ed limit na hodnot\u011b dv\u011b st\u011b tis\u00edc korun nap\u0159\u00edklad, a tak potom koupi chatky za sto pades\u00e1t tis\u00edc mus\u00edte vy\u0159e\u0161it nap\u0159\u00edklad spot\u0159ebitelsk\u00fdm \u00fav\u011brem.\tPokud v\u0161ak toto nen\u00ed v\u00e1\u0161 p\u0159\u00edpad, jak\u00e9 podm\u00ednky mus\u00ed chata spl\u0148ovat, aby v\u00e1m na ni banka mohla d\u00e1t hypot\u00e9ku?\t1.\u00a0\u00a0\u00a0 \u010c\u00edslo popisn\u00e9 (m\u016f\u017ee b\u00fdt i eviden\u010dn\u00ed \u010d\u00edslo \u2013 slou\u017e\u00ed k ozna\u010den\u00ed rekrea\u010dn\u00edho objektu)\t2.\u00a0\u00a0\u00a0 Majitel pozemku i chaty je tent\u00fd\u017e (nelze vz\u00edt hypot\u00e9ku na objekt, kter\u00fd stoj\u00ed na pronajat\u00e9m pozemku)\t3.\u00a0\u00a0\u00a0 M\u00e1 p\u0159ipojen\u00ed k elektrice i k vod\u011b\t4.\u00a0\u00a0\u00a0 Nen\u00ed probl\u00e9m se k nemovitosti dostat (nap\u0159\u00edklad pokud by p\u0159\u00edstupov\u00e1 cesta vedla p\u0159es pozemek jin\u00e9ho vlastn\u00edka pravd\u011bpodobn\u011b v\u00e1m hypot\u00e9ku neodklepnou)\t5.\u00a0\u00a0\u00a0 M\u00e1 odpov\u00eddaj\u00edc\u00ed vybaven\u00ed (vybaven\u00ed je ur\u010deno k bydlen\u00ed)\t6.\u00a0\u00a0\u00a0\u00a0\u00a0 \u017dadateli je 18 a v\u00edce let, m\u00e1 dostate\u010dn\u00e9 p\u0159\u00edjmy, nen\u00ed p\u0159edlu\u017een\u00ed atd..\t\u00a0\tJestli\u017ee chcete m\u00edt opravdu velkou \u0161anci na z\u00edsk\u00e1n\u00ed \u00fav\u011bru pr\u00e1v\u011b za \u00fa\u010delem po\u0159\u00edzen\u00ed chaty, je pot\u0159eba naj\u00edt opravdu perspektivn\u00ed chatu. Pokud po\u0159\u00edd\u00edte chatu, kter\u00e1 v budoucnu bude m\u00edt pravd\u011bpodobn\u011b je\u0161t\u011b v\u011bt\u0161\u00ed cenu ne\u017e nyn\u00ed, d\u00e1 se p\u0159edpokl\u00e1dat, \u017ee pokud s n\u00ed budete i ru\u010dit, co\u017e je v\u017edy lep\u0161\u00ed, ne\u017e ru\u010dit vlastn\u00edm bydlen\u00edm, banka bude ur\u010dit\u011b hypote\u010dn\u00edmu \u00fav\u011bru otev\u0159en\u011bj\u0161\u00ed.\t\tJak by tedy m\u011bla chata vypadat?\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nemovitost v zachoval\u00e9m stavu\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nemovitost po rekonstrukci\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nehroz\u00ed \u017e\u00e1dn\u00e9 po\u0161kozen\u00ed p\u0159i bou\u0159ce\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dojezdov\u00e1 vzd\u00e1lenost v\u011bt\u0161\u00edmu m\u011bstu\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Le\u017e\u00ed v oblasti atraktivn\u00edch m\u00edst \u2013 turistika, pam\u00e1tky, m\u011bsto\t\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"I chatu lze po\u0159\u00eddit, pokud nem\u00e1te naspo\u0159eno!","item":"https:\/\/www.litaxs.cz\/i-chatu-lze-poridit-pokud-nemate-nasporeno\/#breadcrumbitem"}]}]