{"id":405,"date":"2026-05-05T10:53:57","date_gmt":"2026-05-05T10:53:57","guid":{"rendered":"https:\/\/realsea.es\/?page_id=405"},"modified":"2026-05-07T07:50:07","modified_gmt":"2026-05-07T07:50:07","slug":"hypoteka","status":"publish","type":"page","link":"https:\/\/realsea.es\/cs\/buying-process\/mortgage\/","title":{"rendered":"Hypot\u00e9ka"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"405\" class=\"elementor elementor-405\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9712e3d e-flex e-con-boxed e-con e-parent\" data-id=\"9712e3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d6c8e40 e-con-full e-flex e-con e-child\" data-id=\"d6c8e40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0bf017a e-con-full e-flex e-con e-child\" data-id=\"0bf017a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1f37ecb e-con-full e-flex e-con e-child\" data-id=\"1f37ecb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7533a5b elementor-align-start elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7533a5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/realsea.es\/cs\/proces-prodeje\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Proces prodeje<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hypot\u00e9ka<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b2fb25 elementor-widget elementor-widget-heading\" data-id=\"7b2fb25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Koup\u011b nebo prodej s hypot\u00e9kou v Andalusii<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d96f10 e-con-full e-flex e-con e-child\" data-id=\"2d96f10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2eb552 elementor-widget elementor-widget-text-editor\" data-id=\"b2eb552\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Jak prodat nemovitost zaji\u0161t\u011bnou hypot\u00e9kou v Andalusii? Komplexn\u00ed pr\u016fvodce pro majitele dom\u016f<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd698b3 elementor-widget elementor-widget-text-editor\" data-id=\"fd698b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Prodej nemovitosti, na kterou je st\u00e1le splacena hypot\u00e9ka, je b\u011b\u017en\u00e1 a zcela provediteln\u00e1 situace. Ve skute\u010dnosti mnoho transakc\u00ed s nemovitostmi prob\u00edh\u00e1 za t\u011bchto podm\u00ednek. Kl\u00ed\u010dem je d\u016fkladn\u00e9 pochopen\u00ed procesu a vyhled\u00e1n\u00ed spr\u00e1vn\u00e9 rady, aby byla transakce bezpe\u010dn\u00e1, transparentn\u00ed a bezprobl\u00e9mov\u00e1.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac9e91a e-con-full e-flex e-con e-child\" data-id=\"ac9e91a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59ef9f7 elementor-widget elementor-widget-heading\" data-id=\"59ef9f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Po\u017e\u00e1dejte o v\u00fdpis nesplacen\u00fdch dluh\u016f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e954f28 elementor-widget elementor-widget-text-editor\" data-id=\"e954f28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Prvn\u00edm krokem je kontaktovat banku a z\u00edskat aktu\u00e1ln\u00ed dokument s uveden\u00edm, kolik z hypot\u00e9ky zb\u00fdv\u00e1 splatit k o\u010dek\u00e1van\u00e9mu datu prodeje. Tato informace je nezbytn\u00e1 pro v\u00fdpo\u010det minim\u00e1ln\u00ed prodejn\u00ed ceny a pl\u00e1nov\u00e1n\u00ed transakce.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-354e687 e-con-full e-flex e-con e-child\" data-id=\"354e687\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a67e32f elementor-widget elementor-widget-heading\" data-id=\"a67e32f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Ocen\u011bn\u00ed nemovitost\u00ed a strategie prodeje<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3872a39 elementor-widget elementor-widget-text-editor\" data-id=\"3872a39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Po vy\u0159e\u0161en\u00ed nesplacen\u00e9ho dluhu se stanov\u00ed konkurenceschopn\u00e1 tr\u017en\u00ed cena, kter\u00e1 pokryje hypot\u00e9ku a souvisej\u00edc\u00ed n\u00e1klady. V t\u00e9to f\u00e1zi je kl\u00ed\u010dov\u00e9 spr\u00e1vn\u011b pozici nemovitosti um\u00edstit, aby se p\u0159il\u00e1kali solventn\u00ed kupci a urychlil prodej.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e99155a e-con-full e-flex e-con e-child\" data-id=\"e99155a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab99e7 elementor-widget elementor-widget-heading\" data-id=\"7ab99e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Podeps\u00e1n\u00ed p\u0159edb\u011b\u017en\u00e9 smlouvy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-695b20b elementor-widget elementor-widget-text-editor\" data-id=\"695b20b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Jakmile je nalezen kupec, je podeps\u00e1na p\u0159edb\u011b\u017en\u00e1 smlouva, kter\u00e1 stanov\u00ed podm\u00ednky transakce. Je obvykl\u00e9, \u017ee kupuj\u00edc\u00ed zaplat\u00ed z\u00e1lohu (obvykle kolem 10 %), kter\u00e1 slou\u017e\u00ed jako z\u00e1ruka jeho z\u00e1vazku.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11b0930 e-con-full e-flex e-con e-child\" data-id=\"11b0930\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d29432f elementor-widget elementor-widget-heading\" data-id=\"d29432f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Koordinace s bankou ohledn\u011b oddlu\u017een\u00ed hypot\u00e9ky<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ddd61 elementor-widget elementor-widget-text-editor\" data-id=\"b6ddd61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>P\u0159ed podpisem u not\u00e1\u0159e se s bankou dojedn\u00e1v\u00e1 oddlu\u017een\u00ed. Existuj\u00ed dva hlavn\u00ed sc\u00e9n\u00e1\u0159e:<\/p><ul><li>Finan\u010dn\u00ed prominut\u00ed: nesplacen\u00e1 \u010d\u00e1stka je uhrazena bance v den prodeje, obvykle s pou\u017eit\u00edm \u010d\u00e1sti finan\u010dn\u00edch prost\u0159edk\u016f poskytnut\u00fdch kupuj\u00edc\u00edm.<\/li><li>Zru\u0161en\u00ed registrace: jakmile je dluh vyrovn\u00e1n, je na katastr\u00e1ln\u00edm \u00fa\u0159ad\u011b provedeno odstran\u011bn\u00ed v\u011bcn\u00e9ho b\u0159emene.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91e608e e-con-full e-flex e-con e-child\" data-id=\"91e608e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8b5d85 elementor-widget elementor-widget-heading\" data-id=\"f8b5d85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Podeps\u00e1n\u00ed kupn\u00ed smlouvy p\u0159ed advok\u00e1tem<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a83a5b elementor-widget elementor-widget-text-editor\" data-id=\"8a83a5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>V den podpisu kupuj\u00edc\u00ed zaplat\u00ed dohodnutou \u010d\u00e1stku. Z t\u00e9to \u010d\u00e1stky:<\/p><ul><li>\u010c\u00e1st jde p\u0159\u00edmo bance na splacen\u00ed hypot\u00e9ky<\/li><li>Zbytek je vyplacen prod\u00e1vaj\u00edc\u00edmu<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d470f14 elementor-widget elementor-widget-text-editor\" data-id=\"d470f14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cel\u00fd proces je zaznamen\u00e1n ve ve\u0159ejn\u00e9 listin\u011b, co\u017e zaji\u0161\u0165uje pr\u00e1vn\u00ed jistotu pro ob\u011b strany.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02fa1a1 e-con-full e-flex e-con e-child\" data-id=\"02fa1a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3c996b elementor-widget elementor-widget-heading\" data-id=\"a3c996b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. N\u00e1klady, kter\u00e9 je t\u0159eba m\u00edt jako prod\u00e1vaj\u00edc\u00ed na pam\u011bti<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a17405f elementor-widget elementor-widget-text-editor\" data-id=\"a17405f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>P\u0159i prodeji nemovitosti zaji\u0161t\u011bn\u00e9 hypot\u00e9kou mus\u00ed majitel zv\u00e1\u017eit:<\/p><ul><li>V\u00fdmaz hypot\u00e9ky z katastru nemovitost\u00ed<\/li><li>Poplatek za p\u0159ed\u010dasn\u00e9 splacen\u00ed (pokud je uplat\u0148ov\u00e1n)<\/li><li>Da\u0148 z kapit\u00e1lov\u00fdch v\u00fdnos\u016f (da\u0148 ze zv\u00fd\u0161en\u00ed hodnoty pozemk\u016f)<\/li><li>Da\u0148 z p\u0159\u00edjmu z kapit\u00e1lov\u00fdch v\u00fdnos\u016f<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2875dad e-con-full e-flex e-con e-child\" data-id=\"2875dad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37ad0e2 elementor-widget elementor-widget-heading\" data-id=\"37ad0e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">7. Co kdy\u017e prodejn\u00ed cena nepokryje hypot\u00e9ku?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f050bf5 elementor-widget elementor-widget-text-editor\" data-id=\"f050bf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee b\u00fdt prodejn\u00ed cena ni\u017e\u0161\u00ed ne\u017e nesplacen\u00fd dluh. V t\u00e9to situaci existuj\u00ed alternativy, jako nap\u0159\u00edklad:<\/p><ul><li>Doplat\u00edte rozd\u00edl vlastn\u00edmi prost\u0159edky<\/li><li>Vyjedn\u00e1n\u00ed \u0159e\u0161en\u00ed s bankou (nap\u0159\u00edklad \u010d\u00e1ste\u010dn\u00e9 vyrovn\u00e1n\u00ed nebo refinancov\u00e1n\u00ed)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9082a68 elementor-widget elementor-widget-text-editor\" data-id=\"9082a68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Je nezbytn\u00e9 tuto situaci p\u0159edem zv\u00e1\u017eit, aby se p\u0159ede\u0161lo jak\u00fdmkoli komplikac\u00edm v transakci.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3818d8 e-con-full e-flex e-con e-child\" data-id=\"b3818d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d14167 elementor-widget elementor-widget-heading\" data-id=\"9d14167\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Prodej s hypot\u00e9kou: jednoduch\u00fd proces se spr\u00e1vnou podporou\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b2ab8 elementor-widget elementor-widget-text-editor\" data-id=\"b1b2ab8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>I kdy\u017e se to m\u016f\u017ee zd\u00e1t slo\u017eit\u00e9, prodej nemovitosti s hypot\u00e9kou je b\u011b\u017en\u00fd proces, kter\u00fd p\u0159i spr\u00e1vn\u00e9m \u0159\u00edzen\u00ed prob\u00edh\u00e1 bez probl\u00e9m\u016f.<\/p><p>V na\u0161\u00ed agentu\u0159e se star\u00e1me o koordinaci ka\u017ed\u00e9ho kroku, od ocen\u011bn\u00ed a\u017e po podpis smlouvy, v\u010detn\u011b komunikace s bankami, abyste mohli svou nemovitost prodat s klidem a za nejlep\u0161\u00ed mo\u017enou cenu.<\/p><p>Proto\u017ee se po\u010d\u00edt\u00e1 ka\u017ed\u00fd detail\u2026 a dobr\u00fd management d\u011bl\u00e1 ten nejv\u011bt\u0161\u00ed rozd\u00edl.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5af05a4 e-con-full e-flex e-con e-child\" data-id=\"5af05a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29b0e41 elementor-widget elementor-widget-text-editor\" data-id=\"29b0e41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Jak\u00fd je postup pro koupi nemovitosti s hypot\u00e9kou v Andalusii? Komplexn\u00ed pr\u016fvodce pro kupuj\u00edc\u00ed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1ece43 elementor-widget elementor-widget-text-editor\" data-id=\"a1ece43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Koup\u011b nemovitosti s hypot\u00e9kou je jedn\u00edm z nejb\u011b\u017en\u011bj\u0161\u00edch zp\u016fsob\u016f, jak si ve \u0160pan\u011blsku po\u0159\u00eddit bydlen\u00ed. A\u010dkoli tento proces zahrnuje n\u011bkolik dal\u0161\u00edch krok\u016f, s dobr\u00fdm pl\u00e1nov\u00e1n\u00edm a profesion\u00e1ln\u00edm poradenstv\u00edm se st\u00e1v\u00e1 p\u0159\u00edmo\u010darou, bezpe\u010dnou a dob\u0159e strukturovanou transakc\u00ed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f64a038 e-con-full e-flex e-con e-child\" data-id=\"f64a038\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-deb3581 elementor-widget elementor-widget-heading\" data-id=\"deb3581\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Finan\u010dn\u00ed anal\u00fdza a p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed hypot\u00e9ky<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb3121d elementor-widget elementor-widget-text-editor\" data-id=\"bb3121d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ne\u017e za\u010dnete s hled\u00e1n\u00edm, je nezbytn\u00e9 zn\u00e1t svou \u00fav\u011brovou kapacitu. Banky obvykle p\u016fj\u010duj\u00ed a\u017e 80 % kupn\u00ed ceny nebo ocen\u011bn\u00ed (podle toho, kter\u00e1 \u010d\u00e1stka je ni\u017e\u0161\u00ed), tak\u017ee kupuj\u00edc\u00ed mus\u00ed m\u00edt \u00faspory na pokryt\u00ed zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stky a souvisej\u00edc\u00edch n\u00e1klad\u016f (p\u0159ibli\u017en\u011b 10 % a\u017e 13 %).<\/p><p>\u017d\u00e1dost o p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed poskytuje jasnou p\u0159edstavu o va\u0161em skute\u010dn\u00e9m rozpo\u010dtu a posiluje va\u0161i vyjedn\u00e1vac\u00ed pozici s prod\u00e1vaj\u00edc\u00edm.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc3b162 e-con-full e-flex e-con e-child\" data-id=\"dc3b162\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f885358 elementor-widget elementor-widget-heading\" data-id=\"f885358\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Vyhled\u00e1n\u00ed a rezervace nemovitosti<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c45c5ac elementor-widget elementor-widget-text-editor\" data-id=\"c45c5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Jakmile je stanoven rozpo\u010det, za\u010d\u00edn\u00e1 proces v\u00fdb\u011bru nemovitosti. Po nalezen\u00ed vhodn\u00e9 nemovitosti se provede rezervace zaplacen\u00edm z\u00e1lohy a nemovitost se st\u00e1hne z trhu, zat\u00edmco transakce prob\u00edh\u00e1.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7ec538 e-con-full e-flex e-con e-child\" data-id=\"f7ec538\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09cc6e5 elementor-widget elementor-widget-heading\" data-id=\"09cc6e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Form\u00e1ln\u00ed \u017e\u00e1dost o hypot\u00e9ku<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0853c elementor-widget elementor-widget-text-editor\" data-id=\"ff0853c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Po v\u00fdb\u011bru nemovitosti za\u010d\u00edn\u00e1 proces s bankou. Banka si vy\u017e\u00e1d\u00e1 finan\u010dn\u00ed dokumentaci (v\u00fdplatn\u00ed p\u00e1sky, da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed, pracovn\u00ed historii atd.) a posoud\u00ed \u00fav\u011bruschopnost kupuj\u00edc\u00edho.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8610b71 e-con-full e-flex e-con e-child\" data-id=\"8610b71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82c84c5 elementor-widget elementor-widget-heading\" data-id=\"82c84c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Ocen\u011bn\u00ed nemovitosti<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-185cefd elementor-widget elementor-widget-text-editor\" data-id=\"185cefd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banka si nech\u00e1 prov\u00e9st ofici\u00e1ln\u00ed ocen\u011bn\u00ed, aby ur\u010dila hodnotu nemovitosti. Tato hodnota je kl\u00ed\u010dov\u00e1, proto\u017ee ur\u010duje maxim\u00e1ln\u00ed \u010d\u00e1stku, kterou je banka ochotna financovat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8e822e e-con-full e-flex e-con e-child\" data-id=\"d8e822e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9bef193 elementor-widget elementor-widget-heading\" data-id=\"9bef193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Schv\u00e1len\u00ed hypot\u00e9ky a z\u00e1vazn\u00e1 nab\u00eddka<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f0ee79 elementor-widget elementor-widget-text-editor\" data-id=\"0f0ee79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Jakmile je transakce schv\u00e1lena, banka vyd\u00e1 FEIN (Evropsk\u00fd standardizovan\u00fd informa\u010dn\u00ed list) a FiAE (Standardizovan\u00fd varovn\u00fd list). Tyto dokumenty stanov\u00ed v\u0161echny podm\u00ednky \u00fav\u011bru (\u00farokov\u00e1 sazba, spl\u00e1tky, poplatky atd.).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8393b55 e-con-full e-flex e-con e-child\" data-id=\"8393b55\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f37736e elementor-widget elementor-widget-heading\" data-id=\"f37736e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. Podeps\u00e1n\u00ed smlouvy o vkladu<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc6af8d elementor-widget elementor-widget-text-editor\" data-id=\"cc6af8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sou\u010dasn\u011b se schv\u00e1len\u00edm nebo po n\u011bm se s prod\u00e1vaj\u00edc\u00edm podepisuje smlouva o kauci, obvykle s 10% z\u00e1lohou splacenou jako z\u00e1loha. Je d\u016fle\u017eit\u00e9, aby lh\u016fty byly v souladu se schv\u00e1len\u00edm hypot\u00e9ky.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9ab6d0 e-con-full e-flex e-con e-child\" data-id=\"a9ab6d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48de6f7 elementor-widget elementor-widget-heading\" data-id=\"48de6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">7. P\u0159edb\u011b\u017en\u00e1 n\u00e1v\u0161t\u011bva advok\u00e1ta (povinn\u00e1)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f7e870 elementor-widget elementor-widget-text-editor\" data-id=\"1f7e870\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>P\u0159ed podpisem mus\u00ed kupuj\u00edc\u00ed nav\u0161t\u00edvit pr\u00e1vn\u00edka, aby si prohl\u00e9dl hypote\u010dn\u00ed dokumentaci, vyjasnil si p\u0159\u00edpadn\u00e9 dotazy a potvrdil, \u017ee rozum\u00ed v\u0161em smluvn\u00edm podm\u00ednk\u00e1m. Tento krok je povinn\u00fd a bezplatn\u00fd.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f776db8 e-con-full e-flex e-con e-child\" data-id=\"f776db8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ace5adc elementor-widget elementor-widget-heading\" data-id=\"ace5adc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">8. Podpis kupn\u00ed smlouvy a hypot\u00e9ky<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-500fa25 elementor-widget elementor-widget-text-editor\" data-id=\"500fa25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Toto je kl\u00ed\u010dov\u00fd okam\u017eik transakce. U not\u00e1\u0159e se podepisuj\u00ed dv\u011b listiny:<\/p><ul><li>Kupn\u00ed smlouva<\/li><li>Smlouva o hypote\u010dn\u00edm \u00fav\u011bru<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a600d46 elementor-widget elementor-widget-text-editor\" data-id=\"a600d46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banka vyplat\u00ed financovanou \u010d\u00e1stku p\u0159\u00edmo prod\u00e1vaj\u00edc\u00edmu a kupuj\u00edc\u00ed doplat\u00ed zb\u00fdvaj\u00edc\u00ed \u010d\u00e1stku.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d964b1 e-con-full e-flex e-con e-child\" data-id=\"7d964b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6fe99a elementor-widget elementor-widget-heading\" data-id=\"b6fe99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">9. Platba dan\u00ed a poplatk\u016f v Andalusii<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bf2621 elementor-widget elementor-widget-text-editor\" data-id=\"2bf2621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Second-hand property: Property Transfer Tax (ITP)<\/li><li>Novostavba: DPH + kolkovn\u00e9<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f543530 elementor-widget elementor-widget-text-editor\" data-id=\"f543530\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Krom\u011b toho se \u00fa\u010dtuj\u00ed poplatky za not\u00e1\u0159e, registraci a ocen\u011bn\u00ed. N\u00e1klady na z\u0159\u00edzen\u00ed hypot\u00e9ky (not\u00e1\u0159, registrace a spr\u00e1va \u00fav\u011bru) obvykle hrad\u00ed banka v souladu s platn\u00fdmi p\u0159edpisy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3af973b e-con-full e-flex e-con e-child\" data-id=\"3af973b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f32583 elementor-widget elementor-widget-heading\" data-id=\"9f32583\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">10. Z\u00e1pis do katastru nemovitost\u00ed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a57e47 elementor-widget elementor-widget-text-editor\" data-id=\"2a57e47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Po podpisu je listina zaps\u00e1na v katastru nemovitost\u00ed, \u010d\u00edm\u017e je zaru\u010deno vlastnictv\u00ed kupuj\u00edc\u00edho a z\u00e1stavn\u00ed pr\u00e1vo ve prosp\u011bch banky.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-812ba67 e-con-full e-flex e-con e-child\" data-id=\"812ba67\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fe3227 elementor-widget elementor-widget-heading\" data-id=\"1fe3227\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">11. Postupy po dokon\u010den\u00ed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5651149 elementor-widget elementor-widget-text-editor\" data-id=\"5651149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nakonec se provede p\u0159evod vlastnictv\u00ed energi\u00ed, inkas a p\u0159\u00edpadn\u011b i pojistn\u00fdch smluv v\u00e1zan\u00fdch na hypot\u00e9ku.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b59a21 e-con-full e-flex e-con e-child\" data-id=\"3b59a21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a0af14 elementor-widget elementor-widget-heading\" data-id=\"0a0af14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Koup\u011b s hypot\u00e9kou: bezpe\u010dn\u00e9 a dob\u0159e promy\u0161len\u00e9 rozhodnut\u00ed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07da516 elementor-widget elementor-widget-text-editor\" data-id=\"07da516\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Proces koup\u011b s financov\u00e1n\u00edm je ve \u0160pan\u011blsku pln\u011b regulov\u00e1n a nab\u00edz\u00ed z\u00e1ruky jak pro kupuj\u00edc\u00edho, tak pro finan\u010dn\u00ed instituci.<\/p><p>Profesion\u00e1ln\u00ed t\u00fdm, kter\u00fd koordinuje ka\u017edou f\u00e1zi \u2013 od vyjedn\u00e1v\u00e1n\u00ed a\u017e po podpis \u2013 v\u00e1m umo\u017e\u0148uje optimalizovat \u010das, vyhnout se chyb\u00e1m a zajistit \u00fasp\u011b\u0161nou transakci.<\/p><p>Proto\u017ee koup\u011b domu nen\u00ed jen o po\u0159\u00edzen\u00ed nemovitosti: jde o vybudov\u00e1n\u00ed si bezpe\u010dn\u00e9ho \u017eivotn\u00edho pl\u00e1nu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc5ba56 e-con-full e-flex e-con e-child\" data-id=\"bc5ba56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf0631f elementor-widget elementor-widget-text-editor\" data-id=\"bf0631f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Informace obsa\u017een\u00e9 v t\u00e9to \u010d\u00e1sti jsou poskytov\u00e1ny pouze pro informa\u010dn\u00ed \u00fa\u010dely a mohou se zm\u011bnit v d\u016fsledku zm\u011bn p\u0159edpis\u016f. P\u0159esto\u017ee je vynakl\u00e1d\u00e1no ve\u0161ker\u00e9 \u00fasil\u00ed k jejich aktualizaci, nelze jejich p\u0159esnost v\u017edy zaru\u010dit; proto se doporu\u010duje, abyste si je ov\u011b\u0159ili prost\u0159ednictv\u00edm ofici\u00e1ln\u00edch zdroj\u016f nebo vyhledali odpov\u00eddaj\u00edc\u00ed odbornou pomoc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Buying process Mortgage Buying or selling with a mortgage in Andalusia How to sell a mortgaged property in Andalusia? A comprehensive guide for homeowners Selling a property that still has a mortgage is a common and entirely feasible situation. In fact, many property transactions take place under these conditions. The key lies in understanding the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":162,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-405","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/pages\/405","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/comments?post=405"}],"version-history":[{"count":7,"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/pages\/405\/revisions"}],"predecessor-version":[{"id":613,"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/pages\/405\/revisions\/613"}],"up":[{"embeddable":true,"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/pages\/162"}],"wp:attachment":[{"href":"https:\/\/realsea.es\/cs\/wp-json\/wp\/v2\/media?parent=405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}