[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elector.cz\/hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.elector.cz\/hypoteky\/","headline":"Hypot\u00e9ky","name":"Hypot\u00e9ky","description":"\u010casto se pt\u00e1te, jak je to s hypot\u00e9kami, kdy\u017e m\u00e1te mal\u00fd p\u0159\u00edjem, jestli jej mus\u00edte dokazovat nebo zdali si m\u016f\u017eete p\u016fj\u010dit, ani\u017e byste museli n\u011bjak\u00e9 listiny dokl\u00e1dat. V\u0161e uvedeme na…","datePublished":"2019-01-04","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.elector.cz\/author\/#Person","name":"","url":"https:\/\/www.elector.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elector.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elector.cz\/wp-content\/uploads\/img_a337392_w2112_t1550564234.jpg","url":"https:\/\/www.elector.cz\/wp-content\/uploads\/img_a337392_w2112_t1550564234.jpg","height":0,"width":0},"url":"https:\/\/www.elector.cz\/hypoteky\/","about":["Finance"],"wordCount":445,"articleBody":"       \u010casto se pt\u00e1te, jak je to s hypot\u00e9kami, kdy\u017e m\u00e1te mal\u00fd p\u0159\u00edjem, jestli jej mus\u00edte dokazovat nebo zdali si m\u016f\u017eete p\u016fj\u010dit, ani\u017e byste museli n\u011bjak\u00e9 listiny dokl\u00e1dat.V\u0161e uvedeme na pravou m\u00edru: Hypot\u00e9ka bez p\u0159\u00edjmu neexistuje. To je prvn\u00ed z\u00e1le\u017eitost, kterou si mus\u00edme objasnit. Nem\u016f\u017eete si p\u016fj\u010dit pen\u00edze, ani\u017e byste neprokazovali, jak\u00e9 m\u00e1te zisky, nap\u0159\u00edklad v\u00fdplatu, pob\u00edr\u00e1n\u00ed d\u00e1vek, vym\u011b\u0159en\u00fd d\u016fchod nebo ostatn\u00ed typy v\u00fdd\u011blk\u016f. Poskytovatel \u00fav\u011bru si mus\u00ed ov\u011b\u0159it, jestli budete schopni m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky spl\u00e1cet. To je velice d\u016fle\u017eit\u00e9 a bez tohoto faktoru se d\u00e1le neposunete. Spot\u0159ebitelsk\u00e9 \u00fav\u011bry a dolo\u017een\u00ed listin Jak a \u010d\u00edm se dokazuj\u00ed p\u0159\u00edjmy: Zam\u011bstnan\u00ed lid\u00e9   Pokud pob\u00edr\u00e1te stabiln\u00ed p\u0159\u00edjem a jste zam\u011bstnanci, budete dokl\u00e1dat pracovn\u00ed smlouvu a v\u00fdpisy z bankovn\u00edho \u00fa\u010dtu za posledn\u00edch 3 \u2013 6 m\u011bs\u00edc\u016f. D\u016fle\u017eit\u00e9 jsou i v\u00fdplatn\u00ed p\u00e1sky takt\u00e9\u017e za obdob\u00ed 3 \u2013 6 m\u011bs\u00edc\u016f, kter\u00e9 nesm\u00ed chyb\u011bt p\u0159i dokl\u00e1d\u00e1n\u00ed pot\u0159ebn\u00fdch dokument\u016f. Lid\u00e9 na starobn\u00edm d\u016fchodu nebo na rodi\u010dovsk\u00e9 dovolen\u00e9   Zde je to hodn\u011b podobn\u00e9, proto tyto dv\u011b kategorie d\u00e1v\u00e1me do jedn\u00e9 skupiny. Pob\u00edr\u00e1te-li jin\u00fd d\u016fchod nebo soci\u00e1ln\u00ed d\u00e1vky, pak budete spadat tak\u00e9 do t\u00e9to oblasti a budete dokl\u00e1dat: rozhodnut\u00ed o p\u0159izn\u00e1n\u00ed d\u00e1vky nebo o vym\u011b\u0159en\u00e9m d\u016fchodu a bude nutn\u00e9 dolo\u017eit tak\u00e9 v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f za posledn\u00edch 3 \u2013 6 m\u011bs\u00edc\u016f. OSV\u010c   Takzvan\u00e9 osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9, jejich\u017e zkratka je OSV\u010c, by si m\u011bli p\u0159ipravit da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za posledn\u00ed zda\u0148ovac\u00ed obdob\u00ed. Dal\u0161\u00edm dolo\u017een\u00fdm dokumentem mohou b\u00fdt vystaven\u00e9 faktury. D\u016fle\u017eit\u00e9 jsou i bankovn\u00ed v\u00fdpisy za posledn\u00edch 3 \u2013 6 m\u011bs\u00edc\u016f. P\u0159\u00edjmy z pron\u00e1jm\u016f  M\u00e1te-li pouze pen\u00edze z pron\u00e1jmu, pak byste si m\u011bli p\u0159ipravit da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za posledn\u00ed zda\u0148ovac\u00ed obdob\u00ed. Dal\u0161\u00ed bude n\u00e1jemn\u00ed smlouva. Nesm\u00ed chyb\u011bt ani v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f za posledn\u00edch 3 \u2013 6 m\u011bs\u00edc\u016f. Dolo\u017eit tak\u00e9 m\u016f\u017eete p\u0159\u00edjmov\u00e9 doklady za posledn\u00edch 3 \u2013 6 m\u011bs\u00edc\u016f. Jin\u00e9 p\u0159\u00edjmy  Sem spadaj\u00ed lid\u00e9 s jin\u00fdmi v\u00fdd\u011blky. V tomto p\u0159\u00edpad\u011b tedy budete dokl\u00e1dat nezbytn\u00e9 doklady vypov\u00eddaj\u00edc\u00ed o tom, kolik \u010din\u00ed zisk. M\u016f\u017ee se jednat o soudn\u00ed rozhodnut\u00ed, darovac\u00ed smlouvu a podobn\u00e9 dokumenty.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ky","item":"https:\/\/www.elector.cz\/hypoteky\/#breadcrumbitem"}]}]