[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mikroblogy.cz\/co-je-offsetova-hypoteka-a-komu-se-vyplati\/#Article","mainEntityOfPage":"https:\/\/www.mikroblogy.cz\/co-je-offsetova-hypoteka-a-komu-se-vyplati\/","headline":"Co je offsetov\u00e1 hypot\u00e9ka a komu se vyplat\u00ed?","name":"Co je offsetov\u00e1 hypot\u00e9ka a komu se vyplat\u00ed?","description":"Chcete si po\u0159\u00eddit nemovitost, postavit si vlastn\u00ed d\u016fm, anebo rekonstruovat st\u00e1vaj\u00edc\u00ed domov? Na trhu je mnoho spole\u010dnost\u00ed, kter\u00e9 poskytuj\u00ed tyto slu\u017eby a jsou schopny v\u00e1m poskytnout pen\u00edze, kter\u00e9 pot\u0159ebujete. V p\u0159\u00edpad\u011b, \u017ee na b\u011b\u017en\u00fd \u00fav\u011br nedos\u00e1hnete, m\u00e1te ov\u0161em i jin\u00e9 mo\u017enosti. Jednou z nich jsou nap\u0159\u00edklad i nebankovn\u00ed spole\u010dnosti a jejich slu\u017eby. Co to je?...","datePublished":"2019-09-18","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.mikroblogy.cz\/author\/#Person","name":"mikroblogy.cz\n","url":"https:\/\/www.mikroblogy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mikroblogy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mikroblogy.cz\/wp-content\/uploads\/img_a365838_w1976_t1578483160.jpg","url":"https:\/\/www.mikroblogy.cz\/wp-content\/uploads\/img_a365838_w1976_t1578483160.jpg","height":0,"width":0},"url":"https:\/\/www.mikroblogy.cz\/co-je-offsetova-hypoteka-a-komu-se-vyplati\/","about":["Pen\u00edze"],"wordCount":431,"articleBody":"      Chcete si po\u0159\u00eddit nemovitost, postavit si vlastn\u00ed d\u016fm, anebo rekonstruovat st\u00e1vaj\u00edc\u00ed domov? Na trhu je mnoho spole\u010dnost\u00ed, kter\u00e9 poskytuj\u00ed tyto slu\u017eby a jsou schopny v\u00e1m poskytnout pen\u00edze, kter\u00e9 pot\u0159ebujete. V p\u0159\u00edpad\u011b, \u017ee na b\u011b\u017en\u00fd \u00fav\u011br nedos\u00e1hnete, m\u00e1te ov\u0161em i jin\u00e9 mo\u017enosti. Jednou z nich jsou nap\u0159\u00edklad i nebankovn\u00ed spole\u010dnosti a jejich slu\u017eby.   Co to je? Offsetov\u00e1 hypot\u00e9ka od F\u00e9rov\u00e9 hypot\u00e9ky nab\u00edz\u00ed kombinaci b\u011b\u017en\u00e9ho \u00fav\u011bru se spo\u0159\u00edc\u00edm \u00fa\u010dtem. Jeho princip je zalo\u017een na tzv. bilan\u010dn\u00edm mechanismu. Velmi zjednodu\u0161en\u011b to znamen\u00e1, \u017ee se vz\u00e1jemn\u011b zapo\u010d\u00edt\u00e1vaj\u00ed \u010d\u00e1stky na spo\u0159\u00edc\u00edm a hypote\u010dn\u00edm \u00fa\u010dtu. V\u00fdhodn\u00fd je p\u0159edev\u0161\u00edm z jednoho prost\u00e9ho d\u016fvodu. M\u011bs\u00ed\u010dn\u00ed \u00farokov\u00e1 sazba se vypo\u010d\u00edt\u00e1v\u00e1 z rozd\u00edlu mezi t\u011bmito dv\u011bma \u010d\u00e1stkami. Finance, kter\u00e9 v\u00e1m le\u017e\u00ed na spo\u0159\u00edc\u00edm \u00fa\u010dtu jsou pravideln\u011b zhodnoceny stejnou m\u011brou jako samotn\u00fd \u00fav\u011br. Rozd\u00edl ov\u0161em je, \u017ee sv\u00e9 \u00faspory m\u016f\u017eete kdykoli vyu\u017e\u00edvat jako u b\u011b\u017en\u00fdch \u00fa\u010dt\u016f. Speci\u00e1ln\u00ed nab\u00eddka Tr\u00e1p\u00ed v\u00e1s, \u017ee jste o tomto druhu je\u0161t\u011b nesly\u0161eli? Nen\u00ed divu, proto\u017ee nen\u00ed p\u0159\u00edli\u0161 zn\u00e1m\u00fd, ani p\u0159\u00edli\u0161 vyu\u017e\u00edvan\u00fd. To ov\u0161em neznamen\u00e1, \u017ee se nevyplat\u00ed. Nejedn\u00e1 se o masov\u00fd produkt, i kdy\u017e se poprv\u00e9 objevil ji\u017e asi p\u0159ed patn\u00e1cti lety ve Velk\u00e9 Brit\u00e1nii. V \u010cech\u00e1ch ji nenab\u00edz\u00ed p\u0159\u00edli\u0161 mnoho spole\u010dnost\u00ed, ale naj\u00edt ji m\u016f\u017eete. Z celkov\u00e9ho po\u010dtu z\u00e1jemc\u016f o hypot\u00e9ku ji vyu\u017e\u00edvaj\u00ed jen asi dv\u011b procenta. Vyplat\u00ed se? Offset je ide\u00e1ln\u00ed zejm\u00e9na pro jedince, kte\u0159\u00ed maj\u00ed vlastn\u00ed \u00faspory, kter\u00fdmi cht\u011bj\u00ed \u010d\u00e1st \u00fav\u011bru uhradit. Pokud ve stejn\u00e9 dob\u011b chcete ale \u00faspory tak\u00e9 vyu\u017e\u00edvat, jedn\u00e1 se pro v\u00e1s o nejlep\u0161\u00ed variantu. Z\u00e1rove\u0148 ale budete m\u00edt finance i jako rezervu pro p\u0159\u00edpady, \u017ee by se stala porucha v dom\u00e1cnosti, rozbilo se auto apod. Sv\u00e9 pen\u00edze m\u016f\u017eete t\u00edmto zp\u016fsobem tak\u00e9 netradi\u010dn\u011b zhodnotit. Nej\u010dast\u011bj\u0161\u00edmi klienty, kte\u0159\u00ed tuto nab\u00eddku vyu\u017e\u00edvaj\u00ed, jsou podnikatel\u00e9, \u017eivnostn\u00edci a freelance\u0159i. Jde tedy o jedince, kte\u0159\u00ed nemaj\u00ed pravideln\u00fd p\u0159\u00edjem. Dostupn\u00fdmi pen\u011bzi sice cht\u011bj\u00ed umo\u0159it \u010d\u00e1st dluhu, ale z\u00e1rove\u0148 je pot\u0159ebuj\u00ed m\u00edt k dispozici pro placen\u00ed b\u011b\u017en\u00fdch v\u011bc\u00ed jako jsou energie \u010di j\u00eddlo.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je offsetov\u00e1 hypot\u00e9ka a komu se vyplat\u00ed?","item":"https:\/\/www.mikroblogy.cz\/co-je-offsetova-hypoteka-a-komu-se-vyplati\/#breadcrumbitem"}]}]