{"id":1048935,"date":"2026-03-23T15:04:45","date_gmt":"2026-03-23T14:04:45","guid":{"rendered":"https:\/\/dev1.cadacual.com\/?p=1048935"},"modified":"2026-07-24T16:04:44","modified_gmt":"2026-07-24T14:04:44","slug":"jak-ziskat-schvaleni-hypoteky-na-byt-bez-pujcky-csob-rucitele","status":"publish","type":"post","link":"https:\/\/dev1.cadacual.com\/?p=1048935","title":{"rendered":"Jak z\u00edskat schv\u00e1len\u00ed hypot\u00e9ky na byt bez pujcky csob ru\u010ditele"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">\u010cl\u00e1nky s obsahem<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">Platba n\u00e1jemn\u00e9ho na dva a\u017e t\u0159i m\u011bs\u00edce p\u0159edem<\/a><\/li>\n<li><a href=\"#toc-1\">Vysok\u00fd z\u016fstatek na spo\u0159ic\u00edm \u00fa\u010dtu<\/a><\/li>\n<li><a href=\"#toc-2\">M\u00edt dobr\u00e9 kreditn\u00ed sk\u00f3re<\/a><\/li>\n<li><a href=\"#toc-3\">M\u00edt pr\u00e1ci<\/a><\/li>\n<\/ul>\n<\/div>\n<p>V\u011bt\u0161ina spr\u00e1vc\u016f nemovitost\u00ed a pronaj\u00edmatel\u016f vy\u017eaduje kontrolu \u00fav\u011bruschopnosti a p\u0159\u00edjm\u016f, aby posoudila schopnost n\u00e1jemn\u00edka pravideln\u011b platit n\u00e1jemn\u00e9. Pokud tato opat\u0159en\u00ed neposkytuj\u00ed dostate\u010dnou z\u00e1ruku, mohou po\u017e\u00e1dat o ru\u010ditele.<\/p>\n<p>Ru\u010ditel je osoba, kter\u00e1 souhlas\u00ed s t\u00edm, \u017ee bude odpov\u011bdn\u00e1 za dluh dlu\u017en\u00edka v p\u0159\u00edpad\u011b jeho nepln\u011bn\u00ed. <!--more--> To poskytuje v\u011b\u0159iteli dodate\u010dn\u00e9 pohodl\u00ed a \u010dasto umo\u017e\u0148uje dlu\u017en\u00edk\u016fm mnohem rychleji p\u0159ej\u00edt od zam\u00edtnut\u00ed ke schv\u00e1len\u00ed.<\/p>\n<h2 id=\"toc-0\">Platba n\u00e1jemn\u00e9ho na dva a\u017e t\u0159i m\u011bs\u00edce p\u0159edem<\/h2>\n<p>Pronaj\u00edmatel\u00e9 a spr\u00e1vci nemovitost\u00ed cht\u011bj\u00ed zajistit, aby si n\u00e1jemn\u00edci mohli dovolit sv\u00e9 \u017eivotn\u00ed n\u00e1klady, kter\u00e9 zahrnuj\u00ed platby n\u00e1jemn\u00e9ho. Z tohoto d\u016fvodu \u010dasto po\u017eaduj\u00ed, aby \u017eadatel\u00e9 m\u011bli dostate\u010dn\u00fd p\u0159\u00edjem k pokryt\u00ed \u017eivotn\u00edch n\u00e1klad\u016f ve sv\u00e9 komunit\u011b a aby m\u011bli stabiln\u00ed zam\u011bstn\u00e1n\u00ed.<\/p>\n<p>Krom\u011b toho pronaj\u00edmatel\u00e9 a spr\u00e1vci nemovitost\u00ed n\u011bkdy po\u017eaduj\u00ed, aby n\u00e1jemn\u00ed smlouvu jm\u00e9nem \u017eadatele podepsal ru\u010ditel. Ru\u010diteli mohou b\u00fdt rodi\u010de, p\u0159\u00e1tel\u00e9 nebo jin\u00ed \u010dlenov\u00e9 rodiny, kte\u0159\u00ed mohou prok\u00e1zat, \u017ee jsou finan\u010dn\u011b zodpov\u011bdn\u00ed a budou pravideln\u011b m\u011bs\u00ed\u010dn\u011b platit n\u00e1jemn\u00e9. N\u011bkte\u0159\u00ed ru\u010ditel\u00e9 mus\u00ed tak\u00e9 p\u0159edlo\u017eit svou \u00fav\u011brovou zpr\u00e1vu a podstoupit prov\u011brku.<\/p>\n<p>Platba dvou a\u017e t\u0159\u00ed m\u011bs\u00ed\u010dn\u00edho n\u00e1jemn\u00e9ho p\u0159edem m\u016f\u017ee obecn\u011b pomoci \u017eadateli vyhnout se nutnosti ru\u010ditele. M\u00edt k dispozici pen\u00edze p\u0159edem ukazuje ochotu \u017eadatele zav\u00e1zat se ke sv\u00e9mu budouc\u00edmu bytu a \u017ee to s nast\u011bhov\u00e1n\u00edm do prostoru mysl\u00ed v\u00e1\u017en\u011b. M\u016f\u017ee to tak\u00e9 sn\u00ed\u017eit riziko, \u017ee potenci\u00e1ln\u00ed n\u00e1jemn\u00edk nebude platit n\u00e1jemn\u00e9, a m\u016f\u017ee to zv\u00fd\u0161it \u0161ance \u017eadatele na schv\u00e1len\u00ed \u017e\u00e1dosti o byt.<\/p>\n<p>\u017dadatel\u00e9 si tak\u00e9 mohou u\u0161et\u0159it finan\u010dn\u00ed prost\u0159edky pot\u0159ebn\u00e9 na z\u00e1lohu na n\u00e1jemn\u00e9 d\u00edky vysok\u00e9mu z\u016fstatku na spo\u0159ic\u00edm \u00fa\u010dtu, kter\u00fd lze pou\u017e\u00edt jako alternativu k ru\u010diteli nebo kauci. Je v\u0161ak d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee tyto \u00faspory by m\u011bly b\u00fdt ur\u010deny na \u00fa\u010dely n\u00e1jmu, a nikoli na dal\u0161\u00ed n\u00e1klady spojen\u00e9 se st\u011bhov\u00e1n\u00edm do bytu.<\/p>\n<h2 id=\"toc-1\">Vysok\u00fd z\u016fstatek na spo\u0159ic\u00edm \u00fa\u010dtu<\/h2>\n<p>Dostate\u010dn\u00e9 \u00faspory na pokryt\u00ed n\u00e1jemn\u00e9ho a \u017eivotn\u00edch n\u00e1klad\u016f v\u00e1m mohou pomoci prok\u00e1zat finan\u010dn\u00ed stabilitu a <a href=\"https:\/\/pujka-online.cz\/pujcky\/csob-pujcka\/\">pujcky csob<\/a> z\u00e1vazek. Vysok\u00fd z\u016fstatek \u00faspor m\u016f\u017ee nav\u00edc poskytnout pronaj\u00edmatel\u016fm a makl\u00e9\u0159\u016fm nemovitost\u00ed vhled do va\u0161\u00ed schopnosti spo\u0159it na budouc\u00ed c\u00edle. Poskytn\u011bte dokumentaci o va\u0161ich \u00faspor\u00e1ch, jako jsou bankovn\u00ed v\u00fdpisy a souhrny investi\u010dn\u00edch \u00fa\u010dt\u016f.<\/p>\n<p>Pokud m\u00e1te dobrou \u00fav\u011brovou historii a dostate\u010dn\u00fd p\u0159\u00edjem, va\u0161e \u017e\u00e1dost o hypot\u00e9ku na byt nemus\u00ed vy\u017eadovat ru\u010ditele. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017ee ru\u010ditel poskytnout pronaj\u00edmatel\u016fm nebo n\u00e1jemn\u00edm agent\u016fm klid ohledn\u011b va\u0161\u00ed schopnosti plnit z\u00e1vazky vypl\u00fdvaj\u00edc\u00ed z n\u00e1jemn\u00ed smlouvy. Vyberte si rodi\u010de, bl\u00edzk\u00e9ho p\u0159\u00edtele nebo \u010dlena rodiny, kter\u00fd spl\u0148uje krit\u00e9ria pro n\u00e1jemce a je ochoten za v\u00e1s vystupovat jako ru\u010ditel.<\/p>\n<p>Pokud nem\u016f\u017eete naj\u00edt ru\u010ditele, existuj\u00ed ru\u010ditelsk\u00e9 slu\u017eby, kter\u00e9 v\u00e1m mohou pomoci zajistit byt, ale jsou zpoplatn\u011bn\u00e9. Projd\u011bte si nab\u00eddku a najd\u011bte nejlep\u0161\u00ed. N\u011bkter\u00e9 ru\u010ditelsk\u00e9 slu\u017eby si \u00fa\u010dtuj\u00ed a\u017e 4 % ro\u010dn\u00edho n\u00e1jemn\u00e9ho.<\/p>\n<h2 id=\"toc-2\">M\u00edt dobr\u00e9 kreditn\u00ed sk\u00f3re<\/h2>\n<p>Mnoho pronaj\u00edmatel\u016f vy\u017eaduje p\u0159i \u017e\u00e1dosti o pron\u00e1jem bytu kontrolu \u00fav\u011bruschopnosti. Trojcifern\u00e9 sk\u00f3re jim d\u00e1v\u00e1 p\u0159edstavu o tom, jak zodpov\u011bdn\u011b jste v minulosti hospoda\u0159ili s pen\u011bzi, co\u017e m\u016f\u017ee ovlivnit, zda budete schopni v\u010das spl\u00e1cet sv\u00e9 z\u00e1vazky z n\u00e1jemn\u00e9ho. Obecn\u011b \u0159e\u010deno, vy\u0161\u0161\u00ed sk\u00f3re je pova\u017eov\u00e1no za jistou s\u00e1zku a m\u016f\u017ee z v\u00e1s ud\u011blat \u017e\u00e1dan\u011bj\u0161\u00edho n\u00e1jemn\u00edka ne\u017e ty s ni\u017e\u0161\u00edm sk\u00f3re.<\/p>\n<p>Krom\u011b va\u0161\u00ed celkov\u00e9 historie pronaj\u00edmatel\u00e9 tak\u00e9 kontroluj\u00ed historii va\u0161ich plateb n\u00e1jemn\u00e9ho. Pokud m\u00e1te konzistentn\u00ed historii v\u010dasn\u00e9ho placen\u00ed \u00fa\u010dt\u016f, p\u016fj\u010dek a plateb kreditn\u00edmi kartami, m\u016f\u017ee to zv\u00fd\u0161it va\u0161e \u0161ance na schv\u00e1len\u00ed hypot\u00e9ky na byt bez ru\u010ditele. Pravideln\u00e9 sledov\u00e1n\u00ed vlastn\u00ed \u00fav\u011brov\u00e9 zpr\u00e1vy v\u00e1m tak\u00e9 m\u016f\u017ee pomoci odhalit chyby, jako jsou p\u0159eklepy ve jm\u00e9nech, platby ozna\u010den\u00e9 jako zme\u0161kan\u00e9, i kdy\u017e nebyly, nebo nep\u0159esn\u00e9 z\u016fstatky \u00fav\u011br\u016f a \u00fav\u011brov\u00e9 limity, ne\u017e se stanou velk\u00fdm probl\u00e9mem.<\/p>\n<p>Pokud m\u00e1te n\u00edzk\u00e9 kreditn\u00ed sk\u00f3re, \u017e\u00e1dost se spolubydl\u00edc\u00edm nebo nalezen\u00ed spoluru\u010ditele\/ru\u010ditele m\u016f\u017ee pomoci zv\u00fd\u0161it va\u0161e \u0161ance na schv\u00e1len\u00ed bytu. Rodi\u010de, bl\u00edzc\u00ed p\u0159\u00e1tel\u00e9 nebo p\u0159\u00edbuzn\u00ed, kte\u0159\u00ed spl\u0148uj\u00ed po\u017eadavky na p\u0159\u00edjem a kreditn\u00ed historii, mohou b\u00fdt dobrou volbou pro ru\u010ditele, proto\u017ee jsou odpov\u011bdn\u00ed za nezaplacen\u00fd n\u00e1jem.<\/p>\n<p>M\u016f\u017eete se tak\u00e9 pokusit vyhledat byty, kter\u00e9 neprov\u00e1d\u011bj\u00ed kontrolu \u00fav\u011bruschopnosti, abyste se vyhnuli pot\u00ed\u017e\u00edm se zam\u00edtnut\u00edm va\u0161\u00ed \u017e\u00e1dosti o pron\u00e1jem. M\u011bjte v\u0161ak na pam\u011bti, \u017ee tyto byty mohou m\u00edt m\u00e9n\u011b ne\u017e ide\u00e1ln\u00ed podm\u00ednky nebo mohou podl\u00e9hat jin\u00fdm druh\u016fm poplatk\u016f.<\/p>\n<h2 id=\"toc-3\">M\u00edt pr\u00e1ci<\/h2>\n<p>Pokud nem\u00e1te solidn\u00ed pracovn\u00ed historii nebo m\u00e1te nekonzistentn\u00ed p\u0159\u00edjem, bude pro v\u00e1s obt\u00ed\u017en\u00e9 z\u00edskat schv\u00e1len\u00ed pron\u00e1jmu bytu bez ru\u010ditele. Pronaj\u00edmatel\u00e9 a spr\u00e1vci nemovitost\u00ed po\u017eaduj\u00ed minim\u00e1ln\u00ed p\u0159\u00edjem dom\u00e1cnosti ve v\u00fd\u0161i trojn\u00e1sobku n\u00e1jemn\u00e9ho, \u200b\u200baby si n\u00e1jemn\u00edci mohli pokr\u00fdt m\u011bs\u00ed\u010dn\u00ed n\u00e1jemn\u00e9 a dal\u0161\u00ed v\u00fddaje. Abyste prok\u00e1zali svou finan\u010dn\u00ed stabilitu, budete muset v r\u00e1mci procesu \u017e\u00e1dosti sd\u00edlet v\u00fdplatn\u00ed p\u00e1sky a potvrzen\u00ed o zam\u011bstn\u00e1n\u00ed s pronaj\u00edmatelem nebo spr\u00e1vcem nemovitosti. N\u011bkter\u00e9 online platformy pro pron\u00e1jem automaticky po\u017eaduj\u00ed doklad o p\u0159\u00edjmu, aby urychlily proces \u017e\u00e1dosti pro n\u00e1jemn\u00edky.<\/p>\n<p>N\u011bkte\u0159\u00ed n\u00e1jemn\u00edci se obracej\u00ed na p\u0159\u00e1tele nebo \u010dleny rodiny, kdy\u017e pot\u0159ebuj\u00ed ru\u010ditele k zaji\u0161t\u011bn\u00ed bytu. Jin\u00ed se mohou obr\u00e1tit na extern\u00ed spole\u010dnosti, kter\u00e9 nab\u00edzej\u00ed ru\u010ditelsk\u00e9 slu\u017eby. I kdy\u017e tito ru\u010ditel\u00e9 v nemovitosti nebydl\u00ed a nemaj\u00ed pr\u00e1vo ji u\u017e\u00edvat, mohou b\u00fdt v\u00fdhodn\u00ed pro n\u00e1jemn\u00edky, kte\u0159\u00ed nemohou sami z\u00edskat schv\u00e1len\u00ed. Mohou p\u016fsobit jako ru\u010ditel\u00e9 po ur\u010ditou dobu a za sv\u00e9 slu\u017eby si mohou \u00fa\u010dtovat poplatek.<\/p>\n<p>I kdy\u017e pron\u00e1jem bytu m\u016f\u017ee b\u00fdt pro ty, kte\u0159\u00ed nemaj\u00ed st\u00e1l\u00fd p\u0159\u00edjem, n\u00e1ro\u010dn\u00fd, je to mo\u017en\u00e9. Zva\u017ete vyu\u017eit\u00ed tip\u016f uveden\u00fdch v tomto \u010dl\u00e1nku, jak si vylep\u0161it \u00fav\u011brovou historii, u\u0161et\u0159it pen\u00edze nebo naj\u00edt spolubydl\u00edc\u00edho, kter\u00fd v\u00e1m pom\u016f\u017ee pokr\u00fdt n\u00e1jem a dal\u0161\u00ed \u017eivotn\u00ed n\u00e1klady.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky s obsahem Platba n\u00e1jemn\u00e9ho na dva a\u017e t\u0159i m\u011bs\u00edce p\u0159edem Vysok\u00fd z\u016fstatek na spo\u0159ic\u00edm \u00fa\u010dtu M\u00edt dobr\u00e9 kreditn\u00ed sk\u00f3re M\u00edt pr\u00e1ci V\u011bt\u0161ina spr\u00e1vc\u016f nemovitost\u00ed a pronaj\u00edmatel\u016f vy\u017eaduje kontrolu \u00fav\u011bruschopnosti a p\u0159\u00edjm\u016f, aby posoudila schopnost n\u00e1jemn\u00edka pravideln\u011b platit n\u00e1jemn\u00e9. Pokud tato opat\u0159en\u00ed neposkytuj\u00ed dostate\u010dnou z\u00e1ruku, mohou po\u017e\u00e1dat o ru\u010ditele. Ru\u010ditel je osoba, kter\u00e1 souhlas\u00ed s [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1048935","post","type-post","status-publish","format-standard","hentry","category-sin-categoria"],"_links":{"self":[{"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=\/wp\/v2\/posts\/1048935","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1048935"}],"version-history":[{"count":1,"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=\/wp\/v2\/posts\/1048935\/revisions"}],"predecessor-version":[{"id":1048936,"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=\/wp\/v2\/posts\/1048935\/revisions\/1048936"}],"wp:attachment":[{"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1048935"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1048935"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev1.cadacual.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1048935"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}