[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vcespd.cz\/jak-je-dulezite-miti-zastavu\/#Article","mainEntityOfPage":"https:\/\/www.vcespd.cz\/jak-je-dulezite-miti-zastavu\/","headline":"Jak je d\u016fle\u017eit\u00e9 m\u00edti z\u00e1stavu","name":"Jak je d\u016fle\u017eit\u00e9 m\u00edti z\u00e1stavu","description":"Co je vlastn\u011b z\u00e1stavn\u00ed pr\u00e1vo P\u0159esn\u00e1 definice zn\u00ed, \u017ee se jedn\u00e1 o zaji\u0161t\u011bn\u00ed pohled\u00e1vky v\u010d. \u00farok\u016f a poplatk\u016f souvisej\u00edc\u00edch s poskytnut\u00fdm […]","datePublished":"2018-01-27","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.vcespd.cz\/author\/#Person","name":"","url":"https:\/\/www.vcespd.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/44215cbfc388d6c267f7eccf0a5fae95a459f733d44435ee1a21bfc9d2aea339?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/44215cbfc388d6c267f7eccf0a5fae95a459f733d44435ee1a21bfc9d2aea339?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vcespd.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vcespd.cz\/wp-content\/uploads\/img_a311320_w2439_t1522172370.jpg","url":"https:\/\/www.vcespd.cz\/wp-content\/uploads\/img_a311320_w2439_t1522172370.jpg","height":0,"width":0},"url":"https:\/\/www.vcespd.cz\/jak-je-dulezite-miti-zastavu\/","about":["Pen\u00edze"],"wordCount":419,"articleBody":"Co je vlastn\u011b z\u00e1stavn\u00ed pr\u00e1voP\u0159esn\u00e1 definice zn\u00ed, \u017ee se jedn\u00e1 o zaji\u0161t\u011bn\u00ed pohled\u00e1vky v\u010d. \u00farok\u016f a poplatk\u016f souvisej\u00edc\u00edch s poskytnut\u00fdm \u00fav\u011brem, kdy v p\u0159\u00edpad\u011b nepln\u011bn\u00ed m\u00e1 poskytovatel mo\u017enost z\u00edskat sv\u00e9 pen\u00edze (pohled\u00e1vku) zp\u011bt prodejem zastaven\u00e9 nemovitosti. Tento \u00fakon je o\u0161et\u0159en v z\u00e1stavn\u00ed smlouv\u011b a v katastru nemovitost\u00ed na z\u00e1klad\u011b t\u00e9to smlouvy vznikne z\u00e1pis. V p\u0159\u00edpad\u011b, \u017ee by banka poskytuj\u00edc\u00ed \u00fav\u011br prodala nemovitost za hodnotu vy\u0161\u0161\u00ed, ne\u017e je dlu\u017en\u00e1 \u010d\u00e1stka, rozd\u00edl vyplat\u00ed dlu\u017en\u00edkovi.Co je mo\u017en\u00e9 zastavitV p\u0159\u00edpad\u011b, \u017ee kupujete nov\u00fd d\u016fm \u010di byt, za\u010d\u00edn\u00e1te stav\u011bt nebo jste ve f\u00e1zi rozestav\u011bn\u00e9ho a  chcete si vz\u00edt hypot\u00e9ku, kde budete tzv. n\u011b\u010d\u00edm ru\u010dit, z\u00e1stavou se stane va\u0161e nemovitost. Stejn\u011b tak ale m\u016f\u017eete b\u00fdt jako z\u00e1ruka br\u00e1na kter\u00e1koliv jin\u00e1 ni\u010d\u00edm nezat\u00ed\u017een\u00e1 nemovitost ve va\u0161em osobn\u00edm vlastnictv\u00ed. Pokud ani jedna z t\u011bchto mo\u017enost\u00ed nep\u0159ich\u00e1z\u00ed v \u00favahu, mohou jako z\u00e1stavu poskytnout svou nemovitost va\u0161i zn\u00e1m\u00ed nebo rodina, tato varianta je vyu\u017e\u00edv\u00e1na v p\u0159\u00edpadech, kdy se jedn\u00e1 o z\u00e1stavu jen do doby nabyt\u00ed vlastnictv\u00ed vlastn\u00ed nemovitosti, na tu se pak z\u00e1stavn\u00ed pr\u00e1vo p\u0159evede. To v\u0161e ale mus\u00ed b\u00fdt za v\u00fdslovn\u00e9ho souhlasu banky.  Pro ty, kdo u\u017e za\u010dali stav\u011bt a pot\u0159ebuj\u00ed dal\u0161\u00ed pen\u00edze a rozestav\u011bn\u00fd d\u016fm nebo byt (v tomto p\u0159\u00edpad\u011b je nutn\u00e9 i prohl\u00e1\u0161en\u00ed vlastn\u00edka) cht\u011bj\u00ed pou\u017e\u00edt jako z\u00e1stavu, je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, \u017ee to mo\u017en\u00e9 je, nemovitost v\u0161ak mus\u00ed b\u00fdt zaps\u00e1na na katastru.Co budete pot\u0159ebovatPap\u00edrov\u00e1n\u00ed se ur\u010dit\u011b nevyhnete. Z\u00e1kladem je \u010derstv\u00fd v\u00fdpis z katastru, sn\u00edmky katastr\u00e1ln\u00ed mapy, smlouva na poji\u0161t\u011bn\u00ed dan\u00e9 nemovitosti, nab\u00fdvac\u00ed titul (smlouva kupn\u00ed, restitu\u010dn\u00ed apod.) a odhad znalce ohledn\u011b ceny (znaleck\u00fd posudek).Smluvn\u00ed o\u0161et\u0159en\u00ed z\u00e1stavyPokud jsou v\u0161echny podklady pohromad\u011b, strany podep\u00ed\u0161\u00ed smlouvy o \u00fav\u011bru a z\u00e1stavn\u00ed smlouvu a n\u00e1vrh na vklad z\u00e1stavn\u00edho pr\u00e1va. V\u0161e mus\u00ed m\u00edt dan\u00fd po\u010det vyhotoven\u00ed dle po\u010dtu \u00fa\u010dastn\u00edk\u016f smluvn\u00edho vztahu.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak je d\u016fle\u017eit\u00e9 m\u00edti z\u00e1stavu","item":"https:\/\/www.vcespd.cz\/jak-je-dulezite-miti-zastavu\/#breadcrumbitem"}]}]