[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.crra.cz\/i-vy-muzete-bydlet-ve-svem\/#Article","mainEntityOfPage":"https:\/\/www.crra.cz\/i-vy-muzete-bydlet-ve-svem\/","headline":"I vy m\u016f\u017eete bydlet ve sv\u00e9m","name":"I vy m\u016f\u017eete bydlet ve sv\u00e9m","description":"– Co je to LTV ? jak tato zkratka vznikla? v jak\u00e9m oboru se s touto zkratkou m\u016f\u017eeme setkat? – Jak LTV funguje? – A jak se vlastn\u011b po\u010d\u00edt\u00e1 ? Na tyto ot\u00e1zky si odpov\u00edme v na\u0161em dne\u0161n\u00edm \u010dl\u00e1nku Co znamen\u00e1 zkr. LTV ? – Zkratka LTV vznikla z anglick\u00e9 v\u011bty LOAN TO VALUE. Tato v\u011bta v p\u0159ekladu co \u010desk\u00e9ho […]","datePublished":"2022-10-10","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.crra.cz\/author\/#Person","name":"","url":"https:\/\/www.crra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"crra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.crra.cz\/wp-content\/uploads\/ll.jpg","url":"https:\/\/www.crra.cz\/wp-content\/uploads\/ll.jpg","height":0,"width":0},"url":"https:\/\/www.crra.cz\/i-vy-muzete-bydlet-ve-svem\/","about":["Pen\u00edze"],"wordCount":420,"articleBody":"        – Co je to LTV ? jak tato zkratka vznikla?  v jak\u00e9m oboru se s touto zkratkou m\u016f\u017eeme setkat? – Jak LTV funguje? – A jak se vlastn\u011b po\u010d\u00edt\u00e1 ? Na tyto ot\u00e1zky si odpov\u00edme v na\u0161em dne\u0161n\u00edm \u010dl\u00e1nku Co znamen\u00e1 zkr. LTV ?– Zkratka LTV vznikla z anglick\u00e9 v\u011bty LOAN TO VALUE. Tato v\u011bta v p\u0159ekladu co \u010desk\u00e9ho jazyka znamen\u00e1 n\u011bco jako p\u016fj\u010dka \u010di \u00fav\u011br proti hodnot\u011b. Kde se s touto zkratkou m\u016f\u017eete setkat ? Se zkratkou LTV Nebankovni-hypoteky-cz se m\u016f\u017eeme setkat v bankovnictv\u00ed a to konkr\u00e9tn\u011b u p\u016fj\u010dek a hypot\u00e9k. A co tato zkratka LTV zna\u010d\u00ed ? – LTV ozna\u010duje dan\u00fd pom\u011br mezi dv\u011bma \u010d\u00e1stkami a to konkr\u00e9tn\u011b mezi \u010d\u00e1stkou kterou m\u00e1te v pl\u00e1nu si p\u016fj\u010dit a mezi tzv. kupn\u00ed \u010d\u00e1stkou nebo cenou dan\u00e9 a v\u00e1mi vybran\u00e9 nemovitosti Jak LOAN TO VALUE funguje ? – LTV funguje na princip p\u016fj\u010dek a  t\u00edm m m\u00e1m na mysli to \u017ee dan\u00e1 banka v\u00e1m vyp\u016fj\u010d\u00ed a\u017e neuv\u011b\u0159iteln\u00fdch 90% z ceny va\u0161\u00ed budouc\u00ed nemovitosti (tedy kupn\u00ed ceny). Pozor – Ov\u0161em jak u\u017e jsme v\u0161ichni zvykl\u00ed \u017ee u ka\u017ed\u00e9 p\u016fj\u010dky \u010di hypot\u00e9ky jsou n\u011bjak\u00e9 ty m\u00ednusy tak bohu\u017eel ani u LTV tomu nen\u00ed jinak. V tomto p\u0159\u00edpad\u011b se v\u0161ak jedn\u00e1 o doslova minim\u00e1ln\u00ed m\u00ednus a t\u00edm je to \u017ee dan\u00fd \u017eadatel mus\u00ed b\u00fdt mlad\u0161\u00ed 36 let. Tuto podm\u00ednku(M\u00ednus) na\u0159\u00eddila \u010cesk\u00e1 N\u00e1rodn\u00ed Banka a to docela ned\u00e1vno, konkr\u00e9tn\u011b dne 1.4.2022. Pokud je mezi n\u00e1mi n\u011bkdo kdo p\u0159em\u00fd\u0161l\u00ed nad t\u00edm pro mus\u00ed b\u00fdt \u017eadateli m\u011bn\u011b ne\u017e 36 let, d\u016fvod je prost\u00fd u lid\u00ed kte\u0159\u00ed jsou star\u0161\u00ed 36 let jsou tzv. riziko pro banky, a to z toho d\u016fvodu \u017ee banka nem\u00e1 jistotu \u017ee by byla dan\u00e1 osoba schopna splatit ve\u0161ker\u00e9 \u00faroky a podob. v \u010das. Dal\u0161\u00ed ot\u00e1zkou dne\u0161n\u00edho \u010dl\u00e1nku je i to jak se vlastn\u011b takov\u00e9 LTV po\u010d\u00edt\u00e1. LTV se vypo\u010d\u00edt\u00e1 vlastn\u011b jako tzv. pom\u011br a to podrobn\u011bji jako v\u0161echny vysok\u00e9 \u00fav\u011bry u va\u0161\u00ed budouc\u00ed nemovitosti a to p\u0159edev\u0161\u00edm u t\u00e9 kter\u00e1 byla pou\u017eita i k dal\u0161\u00edch \u00fav\u011br\u016fm a podob. Proto nev\u00e1hejte, zjist\u011bte si v\u00edce o tomto produktu a m\u016f\u017eete za\u010d\u00edt sn\u00edt o nov\u00e9m bydlen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"I vy m\u016f\u017eete bydlet ve sv\u00e9m","item":"https:\/\/www.crra.cz\/i-vy-muzete-bydlet-ve-svem\/#breadcrumbitem"}]}]