{"id":389,"date":"2021-06-16T19:26:45","date_gmt":"2021-06-16T17:26:45","guid":{"rendered":"https:\/\/estavby.cz\/?p=389"},"modified":"2021-06-16T19:26:46","modified_gmt":"2021-06-16T17:26:46","slug":"koupe-zatizene-nemovitosti","status":"publish","type":"post","link":"https:\/\/estavby.cz\/?p=389","title":{"rendered":"Koup\u011b zat\u00ed\u017een\u00e9 nemovitost\u00ed"},"content":{"rendered":"\n

Va\u0161e ot\u00e1zka: „Chci koupit d\u016fm, av\u0161ak je na n\u011bm tzv. t\u00edha. Koupi budu financovat \u00fav\u011brem z banky. Co by m\u011bl majitel ud\u011blat, kdy\u017e prod\u00e1v\u00e1 d\u016fm s t\u00edhou? „O radu jsme po\u017e\u00e1dali realitn\u00edho specialistu ze spole\u010dnosti Broker Consulting.<\/p>\n\n\n\n

P\u0159i takov\u00e9 koupi je d\u016fle\u017eit\u00e1 ostra\u017eitost. Je t\u0159eba zjistit, jak\u00e1 t\u00edha je na nemovitosti, jak lze vyrovnat, jak\u00e9 budou lh\u016fty pro v\u00fdmaz a n\u00e1slednou koupi. M\u011bli byste si ov\u011b\u0159it i to, jak bude k v\u011bci p\u0159istupovat va\u0161e banka. V prvn\u00ed \u0159ad\u011b doporu\u010duji zjistit na listu vlastnictv\u00ed, o jak\u00fd typ t\u00edhy jedn\u00e1 – zda o z\u00e1stavn\u00ed pr\u00e1vo nebo v\u011bcn\u00e9 b\u0159emeno. Pokud se rozhodnete pro koupi, trvejte na tom, aby kupn\u00ed smlouva obsahovala identifikaci t\u00edhy, zp\u016fsob jej\u00edho vzniku a z\u00e1niku.<\/p>\n\n\n\n

Nej\u010dast\u011bji se na listu vlastnictv\u00ed objevuje z\u00e1stavn\u00ed pr\u00e1vo ve prosp\u011bch banky. Takov\u00e9 b\u0159emeno je mo\u017en\u00e9 vyplatit, nap\u0159. z hypote\u010dn\u00edho \u00fav\u011bru kupuj\u00edc\u00edho. V kupn\u00ed smlouv\u011b se dohodne, \u017ee t\u00edha bude vyplacena a n\u00e1sledn\u011b vymaz\u00e1na z listu vlastnictv\u00ed. Banka je povinna po \u00fahrad\u011b vystavit tzv. kvitanciu, tedy potvrzen\u00ed o z\u00e1niku z\u00e1stavn\u00edho pr\u00e1va, a zaslat ji na katastr s \u017e\u00e1dost\u00ed o v\u00fdmaz z\u00e1stavn\u00edho pr\u00e1va z listu vlastnictv\u00ed. Na to je lh\u016fta 60 dn\u016f ode dne doru\u010den\u00ed n\u00e1vrhu na katastr. Existuje tak\u00e9 mo\u017enost p\u0159enesen\u00ed t\u00edhy na jinou nemovitost nebo p\u0159evzet\u00ed dluhu.<\/p>\n\n\n\n

Koup\u011b zat\u00ed\u017een\u00e9 nemovitosti
2084515 isifa \/ shutterstock<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

V\u011bcn\u00e9 b\u0159emeno v podob\u011b do\u017eivotn\u00edho u\u017e\u00edv\u00e1n\u00ed nemovitosti je druh\u00fdm nej\u010dast\u011bj\u0161\u00edm p\u0159\u00edpadem, typick\u00fdm zejm\u00e9na pro darovac\u00ed smlouvy. V\u011bcn\u00e9 b\u0159emeno ukl\u00e1d\u00e1 vlastn\u00edkovi nemovitosti povinnost n\u011bco strp\u011bt, jednat nebo se zdr\u017eet \u0159\u00edzen\u00ed ve prosp\u011bch opr\u00e1vn\u011bn\u00e9 osoby. V tomto p\u0159\u00edpad\u011b jde o jakousi „pojistku“, kterou se p\u016fvodn\u00ed majitel chr\u00e1n\u00ed p\u0159ed t\u00edm, aby se ocitl na ulici. D\u016fle\u017eit\u00e9 je, \u017ee t\u00ed\u017ei m\u016f\u017ee zru\u0161it pouze doty\u010dn\u00e1 osoba, v jej\u00ed\u017e prosp\u011bch je zaps\u00e1na. Pokud budete koupi financovat hypote\u010dn\u00edm \u00fav\u011brem, banka bude po\u017eadovat, aby se p\u0159ed podpisem z\u00e1stavn\u00ed smlouvy v\u011bcn\u00e9 b\u0159emeno zru\u0161ilo. To je mo\u017en\u00e9 pouze na z\u00e1klad\u011b smlouvy o z\u00e1niku v\u011bcn\u00e9ho b\u0159emene, kter\u00e1 se mus\u00ed zavkladova\u0165 do katastru, nebo na z\u00e1klad\u011b soudn\u00edho rozhodnut\u00ed.<\/p>\n\n\n\n

V praxi se vyskytuj\u00ed tak\u00e9 dal\u0161\u00ed t\u00edhy, nap\u0159\u00edklad ve prosp\u011bch exekutora, \u010dasto se lze setkat i s b\u0159emenem pr\u00e1va p\u0159echodu nebo pr\u016fjezdu na sousedn\u00ed pozemek.<\/p>\n","protected":false},"excerpt":{"rendered":"

Va\u0161e ot\u00e1zka: „Chci koupit d\u016fm, av\u0161ak je na n\u011bm tzv. t\u00edha. Koupi budu financovat \u00fav\u011brem z banky. Co by m\u011bl majitel ud\u011blat, kdy\u017e prod\u00e1v\u00e1 d\u016fm s t\u00edhou? „O radu jsme po\u017e\u00e1dali realitn\u00edho specialistu ze spole\u010dnosti Broker Consulting. P\u0159i takov\u00e9 koupi je d\u016fle\u017eit\u00e1 ostra\u017eitost. Je t\u0159eba zjistit, jak\u00e1 t\u00edha je na nemovitosti, jak lze vyrovnat, jak\u00e9 […]<\/p>\n","protected":false},"author":2,"featured_media":390,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-389","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=389"}],"version-history":[{"count":0,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/389\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/media\/390"}],"wp:attachment":[{"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}