{"id":25821,"date":"2016-06-15T11:05:21","date_gmt":"2016-06-15T09:05:21","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=25821"},"modified":"2016-06-15T11:05:35","modified_gmt":"2016-06-15T09:05:35","slug":"u-ktere-banky-mohu-jako-invalida-ziskat-hypoteku-na-bezbarierovy-byt","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=25821","title":{"rendered":"U kter\u00e9 banky mohu jako invalida z\u00edskat hypot\u00e9ku na bezbari\u00e9rov\u00fd byt?"},"content":{"rendered":"<p><strong>Dotaz:<\/strong><br \/>\n<strong> Dvac\u00e1t\u00fdm rokem jsem na invalidn\u00edm voz\u00edku. T\u0159et\u00edm rokem \u017eiji v podn\u00e1jmu. M\u00e1m p\u0159\u00edle\u017eitost koupit si upraven\u00fd byt bezbari\u00e9rov\u00fd, kter\u00fd by mne pln\u011b vyhovoval. Po zkou\u0161en\u00ed u r\u016fzn\u00fdch \u010desk\u00fdch bank mne p\u0159ech\u00e1z\u00ed trp\u011blivost a \u00fadiv. Jedna banka mi neuzn\u00e1 invaliditu 3 stupn\u011b, druh\u00e1 zase p\u0159\u00edsp\u011bvek na p\u00e9\u010di, t\u0159et\u00ed, i kdy\u017e m\u00e1m p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed tak je n\u00edzk\u00fd. Pan\u00ed mi poradila, \u017ee si m\u00e1m hypot\u00e9ku vz\u00edt s dal\u0161\u00ed osobou. J\u00e1 ale \u017eiji sama, bez rodiny. <\/strong><strong>R\u00e1da bych se zeptala, kter\u00e1 banka d\u00e1v\u00e1 hypot\u00e9ku invalid\u016fm, a u kter\u00e9 mohu \u017e\u00e1dat?<\/strong><br \/>\n<!--more--><br \/>\n<strong> Odpov\u011b\u010f:<\/strong><br \/>\nP\u0159ed \u010dasem jsme d\u011blali ohledn\u011b tohoto t\u00e9matu pr\u016fzkum a zjistili jsme, \u017ee banky by v\u011bt\u0161inou m\u011bly soci\u00e1ln\u00ed d\u00e1vky zapo\u010d\u00edt\u00e1vat jako V\u00e1\u0161 p\u0159\u00edjem.<br \/>\nPr\u016fzkum jsme d\u011blali u t\u011bchto bank: Raiffeisenbank, Hypote\u010dn\u00ed banka, Citibank, \u010cesk\u00e1 spo\u0159itelna, Komer\u010dn\u00ed banka, Fio banka. V\u0161echny zm\u00edn\u011bn\u00e9 soci\u00e1ln\u00ed d\u00e1vky zapo\u010d\u00edt\u00e1vaj\u00ed.<br \/>\nPravdou v\u0161ak je, \u017ee p\u0159\u00edstup banky ke ka\u017ed\u00e9mu klientovi je v\u017edy individu\u00e1ln\u00ed a to a\u0165 u\u017e se jedn\u00e1 o posti\u017een\u00e9ho klienta \u010di ne.<br \/>\nV\u011bt\u0161ina bank se ale odm\u00edtla vyj\u00e1d\u0159it k tomu, v jak\u00e9m pom\u011bru mus\u00ed b\u00fdt pom\u011br soci\u00e1ln\u00edch d\u00e1vek ku p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed, \u010di samostatn\u00e9 v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti. Pouze Hypote\u010dn\u00ed banka uvedla, \u017ee p\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed nebo podnik\u00e1n\u00ed mus\u00ed \u010dinit minim\u00e1ln\u011b 50% celkov\u00fdch p\u0159\u00edjm\u016f. D\u00e1 se usuzovat, \u017ee u ostatn\u00edch bank to bude podobn\u00e9, proto\u017ee jednotliv\u00e9 banky m\u00edvaj\u00ed podobn\u00e9 nab\u00eddky.<br \/>\nShrnout se to tedy d\u00e1 asi tak, \u017ee banky jsou ochotn\u00e9 d\u00e1t handicapovan\u00fdm hypot\u00e9ku, av\u0161ak je pot\u0159eba, aby klient m\u011bl dosta\u010duj\u00edc\u00ed p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, \u010di podnik\u00e1n\u00ed.<br \/>\nPravdou tak\u00e9 je, \u017ee je mnohem sna\u017e\u0161\u00ed z\u00edskat hypot\u00e9ku, kdy\u017e o ni \u017e\u00e1daj\u00ed alespo\u0148 dv\u011b osoby, maj\u00ed toti\u017e stabiln\u011bj\u0161\u00ed p\u0159\u00edjmy. Je to z toho d\u016fvodu mnohem bezpe\u010dn\u011bj\u0161\u00ed i pro toho, kdo si hypot\u00e9ku bere.<\/p>\n<p>Ji\u0159\u00ed Marek<br \/>\ninvArena<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Dotaz: Dvac\u00e1t\u00fdm rokem jsem na invalidn\u00edm voz\u00edku. T\u0159et\u00edm rokem \u017eiji v podn\u00e1jmu. M\u00e1m p\u0159\u00edle\u017eitost koupit si upraven\u00fd byt bezbari\u00e9rov\u00fd, kter\u00fd by mne pln\u011b vyhovoval. Po <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=25821\" title=\"U kter\u00e9 banky mohu jako invalida z\u00edskat hypot\u00e9ku na bezbari\u00e9rov\u00fd byt?\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":3,"featured_media":14319,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-25821","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradna"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/25821","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=25821"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/25821\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/14319"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25821"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25821"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25821"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}