{"id":30676,"date":"2026-01-16T12:54:59","date_gmt":"2026-01-16T11:54:59","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/hypoteka-na-nakup-nemovitosti-na-jiznim-kypru\/"},"modified":"2026-02-02T19:59:27","modified_gmt":"2026-02-02T18:59:27","slug":"hypoteka-na-nakup-nemovitosti-na-jiznim-kypru","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/cs\/hypoteka-na-nakup-nemovitosti-na-jiznim-kypru\/","title":{"rendered":"Hypot\u00e9ka na n\u00e1kup nemovitosti na ji\u017en\u00edm Kypru"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\ud83c\udfe0 Financov\u00e1n\u00ed nemovitost\u00ed na ji\u017en\u00edm Kypru pro ob\u010dany EU<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Tento \u010dl\u00e1nek poskytuje p\u0159ehled postupu pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru na ji\u017en\u00edm Kypru (Kypersk\u00e1 republika) pro kupuj\u00edc\u00ed, kte\u0159\u00ed maj\u00ed trval\u00fd pobyt v zemi Evropsk\u00e9 unie.<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Z\u00e1kladn\u00ed podm\u00ednky financov\u00e1n\u00ed<\/strong><\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Z\u00edsk\u00e1n\u00ed \u00fav\u011bru pro nerezidenty (ob\u010dany EU bez trval\u00e9ho pobytu na Kypru) je standardn\u00ed proces, ale s p\u0159\u00edsn\u011bj\u0161\u00edmi podm\u00ednkami pro pod\u00edl vlastn\u00edch prost\u0159edk\u016f:<\/p>\n\n<p class=\"wp-block-paragraph\">LTV (Loan to Value): Banky obvykle financuj\u00ed maxim\u00e1ln\u011b 50 % kupn\u00ed ceny nemovitosti.<\/p>\n\n<p class=\"wp-block-paragraph\">Vlastn\u00ed prost\u0159edky: Zb\u00fdvaj\u00edc\u00edch 50 % ceny mus\u00ed kupuj\u00edc\u00ed uhradit z vlastn\u00edch zdroj\u016f.<\/p>\n\n<p class=\"wp-block-paragraph\">M\u011bna: \u00dav\u011bry jsou poskytov\u00e1ny v eurech (\u20ac), co\u017e eliminuje m\u011bnov\u00e9 riziko pro rezidenty euroz\u00f3ny.<\/p>\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Proces rezervace a z\u00e1ruka vr\u00e1cen\u00ed pen\u011bz<\/strong><\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Prvn\u00edm krokem k z\u00edsk\u00e1n\u00ed nemovitosti a zah\u00e1jen\u00ed bankovn\u00edho procesu je jej\u00ed fixace.<\/p>\n\n<p class=\"wp-block-paragraph\">Rezerva\u010dn\u00ed poplatek: Kupuj\u00edc\u00ed zaplat\u00ed z\u00e1lohu ve v\u00fd\u0161i 10 000 EUR.<\/p>\n\n<p class=\"wp-block-paragraph\">Sta\u017een\u00ed z prodeje: Po p\u0159ips\u00e1n\u00ed platby je byt\/d\u016fm ofici\u00e1ln\u011b sta\u017een z prodeje a rezervov\u00e1n pro klienta.<\/p>\n\n<p class=\"wp-block-paragraph\">Dolo\u017eka o vr\u00e1cen\u00ed pen\u011bz: Na\u0161e spole\u010dnost Cyprus Properties garantuje, \u017ee v p\u0159\u00edpad\u011b zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br bankou bude klientovi vr\u00e1cen rezerva\u010dn\u00ed poplatek ve v\u00fd\u0161i 10 000 EUR. Klient tedy nenese \u017e\u00e1dn\u00e9 finan\u010dn\u00ed riziko spojen\u00e9 s neschv\u00e1len\u00edm \u00fav\u011bru. <\/p>\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Bankovn\u00ed proces a dokumentace<\/strong><\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Po rezervaci n\u00e1sleduje ofici\u00e1ln\u00ed \u017e\u00e1dost kypersk\u00e9 bance. Klient mus\u00ed b\u00fdt p\u0159ipraven poskytnout: <\/p>\n\n<p class=\"wp-block-paragraph\">Doklad o p\u0159\u00edjmu: Pracovn\u00ed smlouvy, v\u00fdplatn\u00ed p\u00e1sky nebo da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed (v p\u0159\u00edpad\u011b podnikatel\u016f).<\/p>\n\n<p class=\"wp-block-paragraph\">Doklad o finan\u010dn\u00edch prost\u0159edc\u00edch: Banky v souladu s p\u0159edpisy proti pran\u00ed \u0161pinav\u00fdch pen\u011bz (AML) p\u0159\u00edsn\u011b ov\u011b\u0159uj\u00ed p\u016fvod vlastn\u00edch prost\u0159edk\u016f (nap\u0159. prodej jin\u00e9ho majetku, \u00faspory, d\u011bdictv\u00ed).<\/p>\n\n<p class=\"wp-block-paragraph\">Bankovn\u00ed v\u00fdpisy: Zpravidla za posledn\u00edch 6-12 m\u011bs\u00edc\u016f z \u00fa\u010dtu v domovsk\u00e9 zemi.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>D\u016fle\u017eit\u00e9 upozorn\u011bn\u00ed <\/strong>: Banka posuzuje ka\u017ed\u00fd p\u0159\u00edpad individu\u00e1ln\u011b. Doporu\u010dujeme klient\u016fm, aby za\u010dali shroma\u017e\u010fovat doklady o p\u0159\u00edjmech je\u0161t\u011b p\u0159ed kontrolou na Kypru, aby se proces urychlil. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83c\udfe0 Financov\u00e1n\u00ed nemovitost\u00ed na ji\u017en\u00edm Kypru pro ob\u010dany EU Tento \u010dl\u00e1nek poskytuje p\u0159ehled postupu pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru na ji\u017en\u00edm Kypru (Kypersk\u00e1 republika) pro kupuj\u00edc\u00ed, kte\u0159\u00ed maj\u00ed trval\u00fd pobyt v zemi Evropsk\u00e9 unie. Z\u00edsk\u00e1n\u00ed \u00fav\u011bru pro nerezidenty (ob\u010dany EU bez trval\u00e9ho pobytu na Kypru) je standardn\u00ed proces, ale s p\u0159\u00edsn\u011bj\u0161\u00edmi podm\u00ednkami pro pod\u00edl vlastn\u00edch prost\u0159edk\u016f:&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[669,676,673],"tags":[],"class_list":["post-30676","post","type-post","status-publish","format-standard","hentry","category-informace-pro-kupujici","category-nakup-jizni-kypr","category-nakup-nemovitosti"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30676","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/comments?post=30676"}],"version-history":[{"count":2,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30676\/revisions"}],"predecessor-version":[{"id":31259,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30676\/revisions\/31259"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/media?parent=30676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/categories?post=30676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/tags?post=30676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}