[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.orlet.cz\/zadatel-o-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.orlet.cz\/zadatel-o-hypoteku\/","headline":"\u017dadatel o hypot\u00e9ku","name":"\u017dadatel o hypot\u00e9ku","description":"Ka\u017ed\u00fd kdo chce \u017e\u00e1dat o hypot\u00e9ku, se bere jako takzvan\u00fd \u017dadatel, Pokud chcete b\u00fdt \u017eadatel je \u00fapln\u011b jedno jestli jste cizinec nebo ob\u010dan \u010cesk\u00e9 Republiky, … ","datePublished":"2022-01-17","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.orlet.cz\/author\/#Person","name":"","url":"https:\/\/www.orlet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"orlet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.orlet.cz\/wp-content\/uploads\/money-2387090_1920.jpg","url":"https:\/\/www.orlet.cz\/wp-content\/uploads\/money-2387090_1920.jpg","height":0,"width":0},"url":"https:\/\/www.orlet.cz\/zadatel-o-hypoteku\/","about":["Finance"],"wordCount":553,"articleBody":"      Ka\u017ed\u00fd kdo chce \u017e\u00e1dat o hypot\u00e9ku, se bere jako takzvan\u00fd \u017dadatel, Pokud chcete b\u00fdt \u017eadatel je \u00fapln\u011b jedno jestli jste cizinec nebo ob\u010dan \u010cesk\u00e9 Republiky, ale mus\u00edte si d\u00e1vat pozor na dv\u011b d\u016fle\u017eit\u00e9 v\u011bci. 1) \u017dadatel mus\u00ed b\u00fdt osoba zletil\u00e1 tedy osoba star\u0161\u00ed 18ti let. 2) Pokud jste cizinec m\u016f\u017eete b\u00fdt \u017eadatelem pouze pokud m\u00e1te trval\u00e9 bydli\u0161t\u011b v \u010cR nebo pokud m\u00e1te zaznamen\u00e1n dlouhodob\u00ed pobit v \u010cR, tak\u017ee pokud jste tu pouze na dovolen\u00e9 na \u017e\u00e1dost a pozici \u017eadatele m\u016f\u017eete rovnou zapomenout. Pokud v\u00e1m tedy je v\u00edc jak 18 let, sta\u010d\u00ed doj\u00edt do banky a j\u00edt rovnou na celou v\u011bc, ka\u017ed\u00e1 banka bude koukat na va\u0161\u00ed (jako\u017eto \u017eadatele) Bonitu neboli schopnost spl\u00e1cen\u00ed \u00fav\u011bru. Tak\u017ee prvn\u00ed v\u011bc kterou je d\u016fle\u017eit\u00e9 m\u00edt je dobr\u00e1 historie spl\u00e1cen\u00ed, tak\u017ee mus\u00edte va\u0161\u00ed bance prok\u00e1zat \u017ee m\u00e1te dostate\u010dnou v\u00fd\u0161i p\u0159ijmu (a\u0165 u\u017e ze zam\u011bstn\u00e1n\u00ed nebo z podnik\u00e1n\u00ed). V\u017edy tedy mus\u00edte b\u00fdt prok\u00e1z\u00e1n t\u00edm \u017ee sv\u00e9 \u00fav\u011bry a z\u00e1vazky plat\u00edte v\u010das, pokud v\u0161ak pat\u0159\u00edte do tzv. kategorie neplat\u00edc\u00edch m\u016f\u017eete na to rovnou zapomenout. Jako dal\u0161\u00ed v\u011bc je aby jste se s va\u0161\u00ed bankou dohodly na tzv. d\u00e9lce splatnosti adekv\u00e1tn\u00edho v\u011bku. Banky maj\u00ed toti\u017e jedno d\u016fle\u017eit\u00e9 pravidlo a to \u017ee pokud budete vy jako\u017eto \u017eadatel \u017e\u00e1dat o dan\u00fd \u00fav\u011br, mus\u00edte ho splatit do sv\u00fdch cca. 70 let. Prok\u00e1z\u00e1n\u00ed o va\u0161\u00ed platebn\u00ed zp\u016fsobilosti se ov\u011b\u0159uje bu\u010f podle da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed nebo \u017ee vy jako\u017eto \u017eadatel pod\u00e1te v\u0161echny va\u0161e vyk\u00e1zan\u00e9 faktury, Pokud jste ale nezam\u011bstnan\u00fd mus\u00edte p\u0159edlo\u017eit jak\u00fdkoliv jin\u00fd dokument o tom \u017ee jste zp\u016fsobil\u00fd ve spl\u00e1cen\u00ed \u00fav\u011bru, mezi takov\u00e9 dokumenty pat\u0159\u00ed nap\u0159\u00edklad : pron\u00e1jem bytu, podnik\u00e1n\u00ed nebo jak\u00e1koliv jin\u00e1 \u010dinnost p\u0159i kter\u00e9 se manipuluje s pen\u011bzi a vy v t\u011bchto p\u0159\u00edpadech jste na t\u011bch vy\u0161\u0161\u00edch pozic\u00edch nap\u0159. majitel, podnikatel na vlastn\u00ed „triko“, a podob. D\u016fle\u017eit\u00e9 je aby jak\u00e9koliv va\u0161e v\u00fddaje nep\u0159evy\u0161ovaly dan\u00e9 p\u0159\u00edjmy. Pokud \u017e\u00e1d\u00e1te u americk\u00fdch hypot\u00e9k d\u00e1 se to ud\u011blat je\u0161t\u011b jin\u00fdm zp\u016fsobem a t\u00edm je p\u0159edlo\u017een\u00ed a prok\u00e1z\u00e1n\u00ed p\u0159\u00edjm\u016f n\u011bkoho jin\u00e9ho, kdo se pot\u00e9 stane va\u0161\u00edm spolu\u017eadatelem ( pokud v\u0161ak p\u0159istoup\u00edte na toto \u0159e\u0161en\u00ed je pot\u0159eba aby jste o tom danou osobu informovaly, proto\u017ee potom v\u00e1s dan\u00e1 osoba m\u016f\u017ee obvinit \u010di udat \u017ee jste tento krok podstoupily bez jejich v\u011bdom\u00ed) Shrnut\u00ed : \u017eadatel o hypot\u00e9ku Americk\u00e1 hypot\u00e9ka Tak\u017ee vy jako\u017eto \u017eadatel o hypot\u00e9ku mus\u00edte spl\u0148ovat 3 nejd\u016fle\u017eit\u011bj\u0161\u00ed v\u011bci. 1) Osoba star\u0161\u00ed 18ti let, 2) V p\u0159\u00edpad\u011b cizince trval\u00fd nebo dlouhodob\u00fd pobit v \u010cR, 3) Dobr\u00e1 platebn\u00ed historii a dostate\u010dn\u00e1 v\u00fd\u0161e p\u0159\u00edjmu Pokud spl\u0148ujete v\u0161echny t\u0159i podm\u00ednky m\u011bli by jste z\u00edskat jakoukoliv vhodnou Bonitu.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u017dadatel o hypot\u00e9ku","item":"https:\/\/www.orlet.cz\/zadatel-o-hypoteku\/#breadcrumbitem"}]}]