{"id":4768,"date":"2024-01-18T11:29:06","date_gmt":"2024-01-18T10:29:06","guid":{"rendered":"https:\/\/www.homeportal.cz\/?p=4768"},"modified":"2024-03-05T10:51:39","modified_gmt":"2024-03-05T09:51:39","slug":"hypoteka-na-developersky-projekt-postupne-cerpani-hypoteky-a-vyse-splatek","status":"publish","type":"post","link":"https:\/\/www.homeportal.cz\/cs\/hypoteka-na-developersky-projekt-postupne-cerpani-hypoteky-a-vyse-splatek\/","title":{"rendered":"Hypot\u00e9ka na developersk\u00fd projekt: Postupn\u00e9 \u010derp\u00e1n\u00ed hypot\u00e9ky a v\u00fd\u0161e spl\u00e1tek"},"content":{"rendered":"\n

P\u0159i n\u00e1kupu nov\u00e9ho bydlen\u00ed<\/a> budete jist\u011b \u0159e\u0161it i mo\u017enosti jeho financov\u00e1n\u00ed. V p\u0159\u00edpad\u011b, \u017ee si nov\u00e9 bydlen\u00ed nem\u016f\u017eete dovolit z vlastn\u00edch zdroj\u016f, bude pro V\u00e1s kl\u00ed\u010dov\u00e1 spr\u00e1vn\u011b sjednan\u00e1 hypot\u00e9ka. P\u0159in\u00e1\u0161\u00edme V\u00e1m proto p\u0159ehled v\u0161eho d\u016fle\u017eit\u00e9ho, co je pot\u0159eba o hypot\u00e9ce na developersk\u00fd projekt v\u011bd\u011bt \u2013 a\u010d u\u017e si nev\u00edte rady s t\u00edm, co ur\u010dit\u00e9 pojmy znamenaj\u00ed, nebo se chcete dozv\u011bd\u011bt, o jak\u00e9 v\u00fdhody m\u016f\u017eete po\u017e\u00e1dat.<\/strong><\/p>\n\n\n\n

\n
\n
\n
\n
\n

Co je to hypot\u00e9ka na developersk\u00fd projekt?<\/h2>\n\n\n\n

Hypot\u00e9ka na developersk\u00fd projekt je \u00fav\u011br, kter\u00fd je poskytov\u00e1n na financov\u00e1n\u00ed nemovitost\u00ed, kter\u00e9 je\u0161t\u011b nebyly dokon\u010deny nebo nepro\u0161ly kolaudac\u00ed. P\u0159i jej\u00edm sjedn\u00e1v\u00e1n\u00ed je pot\u0159eba sledovat n\u011bkolik v\u00fdznamn\u00fdch aspekt\u016f:<\/p>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n
\n
\n

Postupn\u00e9 \u010derp\u00e1n\u00ed<\/h3>\n\n\n\n

Banky a develope\u0159i mohou sjednat postupn\u00e9 uvol\u0148ov\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f v souladu s pr\u016fb\u011bhem v\u00fdstavby nebo kolaudac\u00ed nemovitosti.<\/p>\n<\/div>\n\n\n\n

\n

\u00darokov\u00e9 sazby<\/h3>\n\n\n\n

\u00darokov\u00e9 sazby u hypot\u00e9k na developersk\u00e9 projekty se mohou li\u0161it a b\u00fdvaj\u00ed obvykle ni\u017e\u0161\u00ed ne\u017e u standardn\u00edch hypot\u00e9k. \u010casto se v\u0161ak plat\u00ed pouze \u00faroky po dobu stavby, co\u017e m\u016f\u017ee zv\u00fd\u0161it celkov\u00e9 n\u00e1klady na hypot\u00e9ku.<\/p>\n<\/div>\n\n\n\n

\n

Odhady nemovitosti<\/h3>\n\n\n\n

Odhady hodnoty nemovitosti mohou b\u00fdt n\u00e1ro\u010dn\u011bj\u0161\u00ed, a to kv\u016fli riziku odhadnut\u00ed ni\u017e\u0161\u00ed hodnoty ne\u017e kupn\u00ed ceny, co\u017e m\u016f\u017ee znamenat nutnost doplacen\u00ed rozd\u00edlu.<\/p>\n<\/div>\n<\/div>\n\n\n\n

Hypot\u00e9ka u developersk\u00e9ho projektu se v\u00fdrazn\u011b neli\u0161\u00ed od ostatn\u00edch, pouze se nav\u00edc \u0159e\u0161\u00ed, kdy bude d\u00edlo dokon\u010deno i s mo\u017enou rezervou pro n\u00e1sledn\u00e9 \u010derp\u00e1n\u00ed \u00fav\u011bru. Dal\u0161\u00ed zm\u011bnou oproti klasick\u00e9 hypot\u00e9ce je mo\u017enost slevy z \u00farokov\u00fdch sazeb, kter\u00e9 n\u011bkter\u00e9 banky poskytuj\u00ed a kter\u00e1 se pohybuje mezi 0,1 a\u017e 0,4 procenty, d\u00edky \u010demu\u017e m\u00e1 developersk\u00fd projekt v\u00fdhodu p\u0159ed ji\u017e postavenou nemovitost\u00ed.<\/p>\n\n\n\n

<\/span>\"\"
\n

Vzorov\u00fd p\u0159\u00edklad koup\u011b bytu s postupn\u00fdm financov\u00e1n\u00edm<\/p>\n<\/div><\/div>\n\n\n\n

Jak funguje postupn\u00e9 \u010derp\u00e1n\u00ed hypot\u00e9ky na byt v developersk\u00e9m projektu?<\/h2>\n\n\n\n

Na vzorov\u00e9m p\u0159\u00edkladu si detailn\u011b uk\u00e1\u017eeme, jak se m\u011bn\u00ed v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky v p\u0159\u00edpad\u011b postupn\u00e9ho \u010derp\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru od banky. Uva\u017eujeme, \u017ee developer vy\u017eaduje od kupuj\u00edc\u00edho pr\u016fb\u011b\u017en\u00e9 financov\u00e1n\u00ed <\/strong>v podob\u011b 30 % p\u0159i podpisu SOSBK, 30 % v pr\u016fb\u011bhu v\u00fdstavby<\/strong> a zbyl\u00fdch 40 % na konci<\/strong>.<\/p>\n\n\n\n

\n
\n

Cena bytu: 10 000 000 K\u010d <\/strong><\/p>\n\n\n\n

Vlastn\u00ed zdroje: 2 000 000 K\u010d <\/p>\n\n\n\n

\u00dav\u011br: 8 000 000 K\u010d (80 % LTV)<\/p>\n\n\n\n

Spl\u00e1tka: 45 373 K\u010d<\/strong><\/p>\n\n\n\n

\n\n\n\n

Po\u017eadovan\u00e9 platby od developera:<\/p>\n\n\n\n

30 % – 30 % – 40 %<\/strong><\/p>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n<\/div>\n<\/div>\n\n\n\n

Pokud kupuj\u00edc\u00ed \u010derp\u00e1 hypote\u010dn\u00ed \u00fav\u011br postupn\u011b, bude benefitovat z tzv. anuitn\u00edho spl\u00e1cen\u00ed<\/strong>. Ka\u017ed\u00e1 anuitn\u00ed spl\u00e1tka \u00fav\u011bru v sob\u011b zahrnuje spl\u00e1tku jistiny (\u00famor) a \u00farok. Prvn\u00ed slo\u017eka znamen\u00e1 \u010d\u00e1stku, o kterou se sn\u00ed\u017e\u00ed dluh, druh\u00e1 je platba bance za p\u016fj\u010den\u00ed pen\u011bz. Zat\u00edmco v\u00fd\u0161e anuitn\u00ed spl\u00e1tky z\u016fst\u00e1v\u00e1 stejn\u00e1, m\u011bn\u00ed se pom\u011br \u00famoru a \u00faroku v pr\u016fb\u011bhu spl\u00e1cen\u00ed. V praxi to vypad\u00e1 n\u00e1sledovn\u011b: <\/p>\n\n\n\n

\n
\n
\n
\n
\n

Prvn\u00ed platba developerovi: 30 % po podpisu SOSBK<\/h2>\n\n\n\n

celkem uhrazeno: 3 000 000 K\u010d (30 %)<\/p>\n\n\n\n

z vlastn\u00edch zdroj\u016f: 2 000 000 K\u010d<\/p>\n\n\n\n

z \u00fav\u011bru: 1 000 000 K\u010d<\/p>\n\n\n\n

SPL\u00c1TKA: 4 575 K\u010d<\/span><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

Na samotn\u00e9m za\u010d\u00e1tku po\u017eaduje developer prvn\u00ed platbu ve v\u00fd\u0161i 30 %<\/strong>. Kupuj\u00edc\u00ed pl\u00e1nuje nov\u00fd byt financovat z 20 % z vlastn\u00edch zdroj\u016f<\/strong>, kter\u00e9 po podpisu smlouvy o smlouv\u011b budouc\u00ed kupn\u00ed<\/strong> <\/a>rovnou uhrad\u00ed na zvolen\u00fd \u00fa\u010det prod\u00e1vaj\u00edc\u00edho.<\/p>\n\n\n\n

Do prvn\u00ed po\u017eadovan\u00e9 platby mu tak chyb\u00ed u\u017e jen 10 %, kter\u00e9 za\u010dne \u010derpat od banky<\/strong>. <\/p>\n\n\n\n

Pro jejich uvoln\u011bn\u00ed banka vy\u017eaduje doklad od prod\u00e1vaj\u00edc\u00ed strany o tom, \u017ee klient uhradil 20 % z vlastn\u00edch zdroj\u016f (\u010destn\u00e9 prohl\u00e1\u0161en\u00ed, v\u00fdpis z \u00fa\u010dtu nebo potvrzen\u00ed z advok\u00e1tn\u00ed \u00faschovy<\/strong>) a n\u00e1sledn\u011b je nutn\u00e9 podat na katastr souhlas se z\u00e1stavn\u00edm pr\u00e1vem banky <\/strong>pro za\u010d\u00e1tek \u010derp\u00e1n\u00ed. Banka pot\u00e9 uhrad\u00ed<\/strong> na \u00fa\u010det developera 1 000 000 K\u010d.<\/strong><\/p>\n\n\n\n

Dobrou zpr\u00e1vou pro kupuj\u00edc\u00ed je, \u017ee v t\u00e9to chv\u00edli je\u0161t\u011b nemus\u00ed platit plnou v\u00fd\u0161i spl\u00e1tky<\/strong> hypote\u010dn\u00edho \u00fav\u011bru, kter\u00e1 jim byla stanovena p\u0159i \u017e\u00e1dosti v bance. Celkov\u00e1 spl\u00e1tka se toti\u017e skl\u00e1d\u00e1 ze spl\u00e1tky \u00farok\u016f a jistiny, kdy jsou zprvu vy\u0161\u0161\u00ed \u00faroky a ni\u017e\u0161\u00ed spl\u00e1tka jistiny. Tento pom\u011br se postupem \u010dasu m\u011bn\u00ed. <\/p>\n\n\n\n

Proto\u017ee kupuj\u00edc\u00ed zat\u00edm \u010derpal od banky jen 10 %, bude jeho v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky 4 575 K\u010d<\/strong>, dokud nedojde k dal\u0161\u00edmu \u010derp\u00e1n\u00ed.<\/p>\n\n\n\n

\n
\n
\n
\n
\n

Druh\u00e1 platba developerovi: 30 % p\u0159i v\u00fdstavb\u011b<\/h2>\n\n\n\n

celkem uhrazeno: 6 000 000 K\u010d (60 %)<\/p>\n\n\n\n

z vlastn\u00edch zdroj\u016f: 2 000 000 K\u010d<\/p>\n\n\n\n

z \u00fav\u011bru: 4 000 000 K\u010d<\/p>\n\n\n\n

SPL\u00c1TKA: 18 300 K\u010d<\/span><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

V pr\u016fb\u011bhu v\u00fdstavby developer dle spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e vyzve kupuj\u00edc\u00ed k platb\u011b dal\u0161\u00edch 30 %<\/strong>. \u010casto se tak d\u011bje v obdob\u00ed dokon\u010den\u00ed hrub\u00e9 stavby. Banka v tento moment vy\u0161le odhadce, kter\u00fd zhodnot\u00ed stav stavby<\/strong> a v\u00fdsledek dosavadn\u00ed proinvestovan\u00e9 \u010d\u00e1stky.<\/p>\n\n\n\n

Pokud je v\u00fdsledn\u00fd stav rozestav\u011bn\u00e9 stavby v po\u0159\u00e1dku, banka umo\u017en\u00ed dal\u0161\u00ed \u010derp\u00e1n\u00ed \u00fav\u011bru. N\u00e1sledn\u011b sama uhrad\u00ed na \u00fa\u010det developera dal\u0161\u00edch 30 %, tedy 3 000 000 K\u010d<\/strong>.<\/p>\n\n\n\n

T\u00edm se zv\u00fd\u0161\u00ed kupuj\u00edc\u00edmu m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka na cca 18 300 K\u010d<\/strong>, proto\u017ee ji\u017e m\u00e1 od banky na\u010derp\u00e1no 40 % z celkov\u00e9 v\u00fd\u0161e \u00fav\u011bru. <\/p>\n\n\n\n

\n
\n

T\u0159et\u00ed platba developerovi: 40 % p\u0159i dokon\u010den\u00ed<\/h2>\n\n\n\n

celkem uhrazeno: 10 000 000 K\u010d (100 %)<\/p>\n\n\n\n

z vlastn\u00edch zdroj\u016f: 2 000 000 K\u010d<\/p>\n\n\n\n

z \u00fav\u011bru: 8 000 000 K\u010d<\/p>\n\n\n\n

SPL\u00c1TKA: 45 373 K\u010d<\/span><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n

P\u0159i posledn\u00ed platb\u011b vy\u017eaduje developer doplacen\u00ed zb\u00fdvaj\u00edc\u00edch 40 % z celkov\u00e9 v\u00fd\u0161e ceny bytu<\/strong>. Banka op\u011bt zhodnot\u00ed, zda byly finan\u010dn\u00ed prost\u0159edky ve stavb\u011b proinvestov\u00e1ny, aby mohla v p\u0159\u00edpad\u011b kladn\u00e9ho v\u00fdsledku uvolnit finan\u010dn\u00ed prost\u0159edky.<\/p>\n\n\n\n

Banka zas\u00edl\u00e1 na \u00fa\u010det developera 4 000 000 K\u010d<\/strong> a t\u00edm je uhrazena pln\u00e1 v\u00fd\u0161e po\u0159izovac\u00ed ceny bytu<\/strong>. Za\u010d\u00edn\u00e1 tak\u00e9 pln\u00e1 spl\u00e1tka \u00fav\u011bru<\/strong> dle smlouvy a to 45 373 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong>.<\/p>\n\n\n\n

<\/div>\n\n\n\n
\n
Online kalkula\u010dka hypot\u00e9ky<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n<\/div>\n<\/div>\n\n\n\n
\n
\n
\"\"<\/figure>\n<\/div>\n\n\n\n
\n

Cesta k hypot\u00e9ce krok za krokem<\/h2>\n\n\n\n

Vybrali jste si sv\u016fj vysn\u011bn\u00fd nov\u00fd domov<\/a> a na \u0159adu p\u0159i\u0161lo financov\u00e1n\u00ed. Co te\u010f?<\/p>\n\n\n\n

Pokud se rozhodnete financov\u00e1n\u00ed \u0159e\u0161it \u00fav\u011brem, doporu\u010dujeme konzultaci s hypote\u010dn\u00edm specialitou<\/a>. Ten se s V\u00e1mi sejde a vysv\u011btl\u00ed V\u00e1m, jak v\u0161e funguje a pom\u016f\u017ee V\u00e1m naj\u00edt nejvhodn\u011bj\u0161\u00ed alternativu. Specialita pravideln\u011b monitoruje celou nab\u00eddku na trhu a m\u00e1 tak p\u0159ehled o jeho sou\u010dasn\u00e9m stavu a mo\u017en\u00e9m budouc\u00edm v\u00fdvoji. <\/p>\n<\/div>\n<\/div>\n\n\n\n

Spole\u010dn\u011b sestav\u00edte finan\u010dn\u00ed pl\u00e1n, kter\u00fd bude dle va\u0161ich mo\u017enost\u00ed a p\u0159\u00e1n\u00ed. To zahrnuje i volba banky, od kter\u00e9 si p\u016fj\u010dku vezmete a vyjedn\u00e1n\u00ed podm\u00ednek. Jakmile se dohodnete na dan\u00e9m \u00fav\u011bru, n\u00e1sleduje proces schvalov\u00e1n\u00ed. Podepsanou \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br pod\u00e1te na zvolenou banku, kter\u00e1 ur\u010d\u00ed Va\u0161\u00ed bonitu a odhadne cenu nemovitosti. Pokud nevzniknou \u017e\u00e1dn\u00e9 komplikace, \u00fav\u011br je schv\u00e1len a V\u00e1s ji\u017e \u010dek\u00e1 jen podpis smlouvy. Hypot\u00e9ka pak za\u010d\u00edn\u00e1 platit dle sjednan\u00fdch podm\u00ednek.<\/p>\n\n\n\n

\n
\n

Trend posledn\u00ed doby: Garantovan\u00e1 a odlo\u017een\u00e1 hypot\u00e9ka<\/h2>\n\n\n\n

V sou\u010dasn\u00e9 dob\u011b se mnoho developer\u016f sna\u017e\u00ed vyj\u00edt sv\u00fdm klient\u016fm vst\u0159\u00edc a nab\u00eddnout jim v\u00fdhodn\u011bj\u0161\u00ed mo\u017enosti spl\u00e1tek.<\/p>\n\n\n\n

Mezi n\u011b pat\u0159\u00ed i garantovan\u00e1 hypot\u00e9ka<\/strong>, kdy V\u00e1m developer po dobu, ne\u017e se projekt dokon\u010d\u00ed, p\u0159isp\u00edv\u00e1 na hypot\u00e9ku a vy tak plat\u00edte men\u0161\u00ed \u00farok. Develope\u0159i se takto sna\u017e\u00ed pomoci lidem v \u010dasech, kdy jsou sazby hypot\u00e9k vysok\u00e9, co\u017e z\u00e1kazn\u00edk\u016fm m\u016f\u017ee br\u00e1nit v koupi sv\u00e9 vysn\u011bn\u00e9 nemovitosti.<\/p>\n<\/div>\n\n\n\n

\n
\"\"<\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n

Dal\u0161\u00edm vst\u0159\u00edcn\u00fdm krokem, kter\u00fd se rozhodlo ud\u011blat mnoho developer\u016f, je tzv. odlo\u017een\u00e1 hypot\u00e9ka<\/strong>. Klient na po\u010d\u00e1tku zaplat\u00ed jen 10-15 % z ceny nemovitosti<\/strong>, a zbytek doplat\u00ed a\u017e po jej\u00edm dokon\u010den\u00ed za 2-3 roky. V t\u00e9 dob\u011b budou sazby pravd\u011bpodobn\u011b ni\u017e\u0161\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

P\u0159i n\u00e1kupu nov\u00e9ho bydlen\u00ed budete jist\u011b \u0159e\u0161it i mo\u017enosti jeho financov\u00e1n\u00ed. V p\u0159\u00edpad\u011b, \u017ee si nov\u00e9 bydlen\u00ed nem\u016f\u017eete dovolit z vlastn\u00edch zdroj\u016f, bude pro V\u00e1s kl\u00ed\u010dov\u00e1 spr\u00e1vn\u011b sjednan\u00e1 hypot\u00e9ka. P\u0159in\u00e1\u0161\u00edme V\u00e1m proto p\u0159ehled v\u0161eho d\u016fle\u017eit\u00e9ho, co je pot\u0159eba o hypot\u00e9ce na developersk\u00fd projekt v\u011bd\u011bt \u2013 a\u010d u\u017e si nev\u00edte rady s t\u00edm, co ur\u010dit\u00e9 pojmy znamenaj\u00ed, nebo se…<\/p>\n","protected":false},"author":1,"featured_media":4829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/4768","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/comments?post=4768"}],"version-history":[{"count":50,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/4768\/revisions"}],"predecessor-version":[{"id":4859,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/4768\/revisions\/4859"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/media\/4829"}],"wp:attachment":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/media?parent=4768"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/categories?post=4768"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/tags?post=4768"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}