[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.plakatt.cz\/reverzni-neboli-zpetna-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.plakatt.cz\/reverzni-neboli-zpetna-hypoteka\/","headline":"Reverzn\u00ed  neboli zp\u011btn\u00e1 hypot\u00e9ka","name":"Reverzn\u00ed  neboli zp\u011btn\u00e1 hypot\u00e9ka","description":"U\u017e jste n\u011bkdy sly\u0161ely pojem „zp\u011btn\u00e1 hypot\u00e9ka na nemovitost lightfinance.cz“ (v angli\u010dtin\u011b „reverse mortgage„)? V \u010cesk\u00e9 republice je to celkem novinka, kde\u017eto v Americe m\u00e1 … ","datePublished":"2022-01-21","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.plakatt.cz\/author\/#Person","name":"","url":"https:\/\/www.plakatt.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"plakatt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.plakatt.cz\/wp-content\/uploads\/house-g6b3e2cd5d_1920.jpg","url":"https:\/\/www.plakatt.cz\/wp-content\/uploads\/house-g6b3e2cd5d_1920.jpg","height":0,"width":0},"url":"https:\/\/www.plakatt.cz\/reverzni-neboli-zpetna-hypoteka\/","about":["Finance"],"wordCount":368,"articleBody":"        U\u017e jste n\u011bkdy sly\u0161ely pojem „zp\u011btn\u00e1 hypot\u00e9ka na nemovitost lightfinance.cz“ (v angli\u010dtin\u011b „reverse mortgage„)? V \u010cesk\u00e9 republice je to celkem novinka, kde\u017eto v Americe m\u00e1 dlouh\u00e9 ko\u0159eny. Tento produkt pov\u011bt\u0161in\u011b vyu\u017e\u00edvaj\u00ed lid\u00e9 vy\u0161\u0161\u00edho v\u011bku (podm\u00ednkou je v\u011bk 60+). D\u016fvodem je nap\u0159\u00edklad zlep\u0161en\u00ed \u017eivotn\u00edho standardu.Jak to tedy funguje?Poskytovatel, vypl\u00e1c\u00ed klientovi rentu (m\u011bs\u00ed\u010dn\u011b nebo jednor\u00e1zov\u011b) za to, \u017ee zastav\u00ed svoji nemovitost. Klient je samoz\u0159ejm\u011b d\u00e1le vlastn\u00edkem nemovitosti a to a\u017e do jeho \u00famrt\u00ed. Pot\u00e9 se stane vlastn\u00edkem poskytovatel a hypot\u00e9ka se splat\u00ed z prodeje nemovitosti. Z tohoto d\u016fvodu jsou nejlep\u0161\u00ed klienti ti, kte\u0159\u00ed nemaj\u00ed \u017e\u00e1dn\u00e9 d\u011bdice. To jakou rentu dostanete se odv\u00edj\u00ed od toho jak hodnotnou vlastn\u00edte nemovitost a jak jste sta\u0159\u00ed. Zde plat\u00ed \u010d\u00edm star\u0161\u00ed, t\u00edm lep\u0161\u00ed. Renta je od 10% a\u017e do 50% hodnoty nemovitosti. Av\u0161ak m\u016f\u017ee se st\u00e1t, \u017ee vyplacen\u00e1 renta bude ni\u017e\u0161\u00ed ne\u017e hodnota nemovitosti. Hodnotu nemovitosti stanov\u00ed odborn\u00edk.Co p\u0159ed t\u00edm promysletPokud m\u00e1te d\u011bdice, bylo by dobr\u00e9 aby o tomto kroku v\u011bd\u011bli a nebyli p\u0159ekvapen\u00ed a\u017e p\u0159ijde d\u011bdick\u00e9 \u0159\u00edzen\u00ed.\u00darokov\u00e1 sazba ze zp\u011btn\u00e9 hypot\u00e9ky b\u00fdv\u00e1 velmi vysok\u00e1, po prodeji nemovitosti tedy p\u0159\u00edpadn\u00fdm d\u011bdic\u016fm mnoho nez\u016fstane.Pokud svoji nemovitost takto zat\u00ed\u017e\u00edte nebudete ji moc ji\u017e prodatM\u00e1te povinnost se o svoji nemovitost starat, co\u017e ve vysok\u00e9m v\u011bku nemus\u00ed b\u00fdt jednoduch\u00e9. (B\u00fdv\u00e1 to i sou\u010d\u00e1st\u00ed smlouvy)Odstoupen\u00ed od smlouvy je spojeno s vysok\u00fdmi poplatkyCo si pohl\u00eddat ve smlouv\u011bJak\u00e1 je renta? Jednor\u00e1zov\u00e1 nebo m\u011bs\u00ed\u010dn\u00ed?Jak\u00fd je typ \u00farokov\u00e9 sazby? Pevn\u00e1 nebo pohybliv\u00e1? A jak se \u00faroky plat\u00ed?Jak\u00e1 je doba smlouvy? I kdy\u017e jsme v\u00fd\u0161e psali, \u017ee nemovitost jde do d\u011bdick\u00e9ho \u0159\u00edzen\u00ed i s dluhem, m\u016f\u017ee b\u00fdt smlouva sjedn\u00e1na na dobu ur\u010ditou.Tento produkt u n\u00e1s prozat\u00edm banky nenab\u00edzej\u00ed. Se\u017eenete jej, ale u nebankovn\u00edch instituc\u00ed. Ani t\u011bch ale mnoho nen\u00ed, a tak nen\u00ed velk\u00e1 konkurence.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Reverzn\u00ed  neboli zp\u011btn\u00e1 hypot\u00e9ka","item":"https:\/\/www.plakatt.cz\/reverzni-neboli-zpetna-hypoteka\/#breadcrumbitem"}]}]