{"id":7725,"date":"2016-08-09T11:16:52","date_gmt":"2016-08-09T10:16:52","guid":{"rendered":"http:\/\/simproperty.com\/cs\/?p=7725"},"modified":"2017-11-11T07:24:53","modified_gmt":"2017-11-11T06:24:53","slug":"jak-se-vyhnout-vysokym-pokutam-za-predcasne-ukonceni-hypoteky-v-cr","status":"publish","type":"post","link":"https:\/\/www.simproperty.com\/cs\/novinky\/know-how-cs\/jak-se-vyhnout-vysokym-pokutam-za-predcasne-ukonceni-hypoteky-v-cr\/","title":{"rendered":"Jak se vyhnout vysok\u00fdm pokut\u00e1m za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed hypot\u00e9ky v \u010cR"},"content":{"rendered":"

U n\u00e1s v\u00a0Sim Property jsme za ta l\u00e9ta pom\u00e1hali s\u00a0mnoha prodeji nemovitost\u00ed. Jsme obezn\u00e1meni se v\u0161emi mo\u017en\u00fdmi probl\u00e9my, kter\u00e9 mohou b\u011bhem prodeje nastat a nau\u010dili jsme se je do posledn\u00edho efektivn\u011b \u0159e\u0161it.<\/p>\n

Jednou z\u00a0nejv\u011bt\u0161\u00edch (finan\u010dn\u00edch) p\u0159ek\u00e1\u017eek p\u0159i prodeji nemovitosti v\u00a0\u010cesk\u00e9 republice je pokusit sevyhnout velmi vysok\u00fdm poplatk\u016fm za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky b\u011bhem fixa\u010dn\u00edho obdob\u00ed, kter\u00e9 si \u010desk\u00e9 banky \u00fa\u010dtuj\u00ed (ty se pohybuj\u00ed mezi 5% a\u017e 25% ze zb\u00fdvaj\u00edc\u00edho dluhu). V\u00a0obdob\u00ed zm\u011bny fixace \u00farokov\u00e9 sazby (tedy po skon\u010den\u00ed fixa\u010dn\u00edho obdob\u00ed) je mo\u017en\u00e9 hypot\u00e9ku splatit v\u00a0pln\u00e9 v\u00fd\u0161i, je v\u0161ak pot\u0159eba banku o v\u0161ech zm\u011bn\u00e1ch informovat s\u00a0dostate\u010dn\u00fdm p\u0159edstihem.<\/p>\n

N\u00e1m se poda\u0159ilo implementovat v\u0161echny n\u00e1sleduj\u00edc\u00ed \u0159e\u0161en\u00ed:<\/p>\n

    \n
  1. Na\u010dasovat prodej nemovitosti tak, aby se uskute\u010dnil v\u00a0den ukon\u010den\u00ed fixa\u010dn\u00edho obdob\u00ed hypot\u00e9ky (tohle je nej\u010dast\u011bj\u0161\u00ed zp\u016fsob \u0159e\u0161en\u00ed a v\u011bt\u0161inou je pot\u0159eba m\u00edt podepsanou smlouvu s\u00a0kupcem alespo\u0148 dva m\u011bs\u00edce p\u0159ed koncem tohoto obdob\u00ed).\n
      \n
    1. P\u0159\u00edm\u00fd prodej v\u00a0den konce fixa\u010dn\u00edho obdob\u00ed<\/li>\n
    2. Dohodnout se s\u00a0kupuj\u00edc\u00edm o pron\u00e1jmu nemovitosti do doby, ne\u017e bude mo\u017en\u00e9 prodej uskute\u010dnit<\/li>\n<\/ol>\n<\/li>\n
    3. Pokusit se dohodnout s\u00a0bankou (tohle je v\u011bt\u0161inou obt\u00ed\u017en\u00e9, ale ne nemo\u017en\u00e9)\n
        \n
      1. Smlouvat o sn\u00ed\u017een\u00ed poplatku za p\u0159ed\u010dasn\u00e9 splacen\u00ed, nebo \u00fapln\u00e9m zru\u0161en\u00ed<\/li>\n
      2. Dohodnout se s\u00a0bankou po skon\u010den\u00ed fixa\u010dn\u00edho obdob\u00ed o p\u0159evodu na plovouc\u00ed \u00farokovou sazbu, kter\u00e1 nem\u00e1 \u017e\u00e1dn\u00e9 poplatky za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed<\/li>\n<\/ol>\n<\/li>\n
      3. Domluvit se s\u00a0kupuj\u00edc\u00edm, aby se na n\u011bj p\u0159epsala va\u0161e hypot\u00e9ka (u t\u00e9to varianty je poplatek v\u011bt\u0161inou mnohem men\u0161\u00ed). Pokud m\u00e1te u sv\u00e9 hypot\u00e9ky atraktivn\u00ed podm\u00ednky, lze toto domluvit podstatn\u011b jednodu\u0161eji.<\/li>\n
      4. Domluvit se s\u00a0kupuj\u00edc\u00edm, aby si vzal hypot\u00e9ku u banky, kde m\u00e1te hypot\u00e9ku i vy (co\u017e m\u00e1 za n\u00e1sledek v\u00fdrazn\u00e9 sn\u00ed\u017een\u00ed poplatk\u016f za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed, obvzl\u00e1\u0161\u0165, pokud je hypot\u00e9ka na stejnou, nebo vy\u0161\u0161\u00ed \u010d\u00e1stku ne\u017e je ta va\u0161e).<\/li>\n
      5. Prodat nemovitost a hypot\u00e9ku p\u0159ev\u00e9st na jinou nemovitost ve va\u0161em vlastnictv\u00ed (pokud nen\u00ed zat\u00ed\u017eena hypot\u00e9kou).<\/li>\n
      6. Pokusit se sehnat hotovost na splacen\u00ed hypot\u00e9ky k\u00a0p\u0159\u00ed\u0161t\u00edmu datu zm\u011bny fixa\u010dn\u00edho obdob\u00ed s\u00a0vidinou n\u00e1sledn\u00e9ho prod\u00e1n\u00ed nemovitosti v\u00a0bl\u00edzk\u00e9 budoucnosti.<\/li>\n
      7. Pokud pl\u00e1nujete nemovitost prodat v\u00a0bl\u00edzk\u00e9 dob\u011b (1-2 roky), p\u0159eve\u010fte si hypot\u00e9ku k\u00a0bance, kter\u00e1 m\u00e1 velmi n\u00edzk\u00e9 poplatky za p\u0159ed\u010dasn\u00e9 spl\u00e1cen\u00ed.<\/li>\n
      8. Pokud pl\u00e1nujete nemovitost prodat v\u00a0bl\u00edzk\u00e9 dob\u011b (1-2 roky), ujist\u011bte se, \u017ee p\u0159\u00ed\u0161t\u00ed fixa\u010dn\u00ed obdob\u00ed bude jen na jeden rok, aby jste byli automaticky co nejbl\u00ed\u017ee p\u0159\u00ed\u0161t\u00edmu datu zm\u011bny fixa\u010dn\u00edho obdob\u00ed.<\/li>\n
      9. Pronajm\u011bte nemovitost kupci do doby, ne\u017e bude mo\u017en\u00e9 ji prodat p\u0159i zm\u011bn\u011b fixa\u010dn\u00edho obdob\u00ed.<\/li>\n<\/ol>\n

         <\/p>\n

        Kontaktujte n\u00e1s<\/span><\/a> pro v\u00edce podrobnost\u00ed a rad ohledn\u011b prodeje nemovitost\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

        U n\u00e1s v\u00a0Sim Property jsme za ta l\u00e9ta pom\u00e1hali s\u00a0mnoha prodeji nemovitost\u00ed. Jsme obezn\u00e1meni se v\u0161emi mo\u017en\u00fdmi probl\u00e9my, kter\u00e9 mohou b\u011bhem prodeje nastat a nau\u010dili jsme se je do posledn\u00edho efektivn\u011b \u0159e\u0161it. Jednou z\u00a0nejv\u011bt\u0161\u00edch (finan\u010dn\u00edch) p\u0159ek\u00e1\u017eek p\u0159i prodeji nemovitosti v\u00a0\u010cesk\u00e9 republice je pokusit sevyhnout velmi vysok\u00fdm poplatk\u016fm za p\u0159ed\u010dasn\u00e9 splacen\u00ed hypot\u00e9ky b\u011bhem fixa\u010dn\u00edho obdob\u00ed, kter\u00e9 […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[103],"tags":[299,302],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/posts\/7725"}],"collection":[{"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/comments?post=7725"}],"version-history":[{"count":2,"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/posts\/7725\/revisions"}],"predecessor-version":[{"id":14834,"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/posts\/7725\/revisions\/14834"}],"wp:attachment":[{"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/media?parent=7725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/categories?post=7725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.simproperty.com\/cs\/wp-json\/wp\/v2\/tags?post=7725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}