[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kskri.cz\/cesta-k-novemu-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.kskri.cz\/cesta-k-novemu-bydleni\/","headline":"Cesta k nov\u00e9mu bydlen\u00ed","name":"Cesta k nov\u00e9mu bydlen\u00ed","description":"Bydlen\u00ed je nejv\u011bt\u0161\u00ed polo\u017ekou v\u011bt\u0161iny rodinn\u00fdch rozpo\u010dt\u016f. A to jak v p\u0159\u00edpad\u011b vlastn\u00edho bydlen\u00ed na […]","datePublished":"2019-12-14","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.kskri.cz\/author\/#Person","name":"","url":"https:\/\/www.kskri.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kskri.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kskri.cz\/wp-content\/uploads\/img_a378221_w3865_t1589440542.jpg","url":"https:\/\/www.kskri.cz\/wp-content\/uploads\/img_a378221_w3865_t1589440542.jpg","height":0,"width":0},"url":"https:\/\/www.kskri.cz\/cesta-k-novemu-bydleni\/","about":["Neza\u0159azen\u00e9"],"wordCount":442,"articleBody":"          Bydlen\u00ed je nejv\u011bt\u0161\u00ed polo\u017ekou v\u011bt\u0161iny rodinn\u00fdch rozpo\u010dt\u016f. A to jak v p\u0159\u00edpad\u011b vlastn\u00edho bydlen\u00ed na hypot\u00e9ku, tak v p\u0159\u00edpad\u011b n\u00e1jmu. N\u00e1jmy jsou v sou\u010dasn\u00e9 dob\u011b na takov\u00e9 v\u00fd\u0161i, \u017ee jsou mnohdy o hodn\u011b dra\u017e\u0161\u00ed, ne\u017e spl\u00e1tka hypote\u010dn\u00edho \u00fav\u011bru. Pro\u010d tomu tak je? M\u00e1me tu bytovou krizi, kdy je byt\u016f m\u00e1lo a \u010dasto je nav\u00edc skupuj\u00ed spekulanti. T\u00edm p\u00e1dem je o byty velk\u00fd z\u00e1jem a jejich ceny rostou. A s t\u00edm rostou i n\u00e1jmy za dan\u00e9 byty. V sou\u010dasn\u00e9 dob\u011b jsou ceny nemovitost\u00ed tak vysok\u00e9, \u017ee si je spousta rodin nem\u016f\u017ee dovolit. Nav\u00edc hypote\u010dn\u00ed \u00fav\u011bry jsou poskytov\u00e1ny jen do 80ti procent ceny nemovitosti. Zbytek prost\u0159edk\u016f si mus\u00edte obstarat  https:\/\/slovniky.lingea.cz\/nemecko-cesky\/obstarat sami. Je v\u016fbec mo\u017en\u00e9 z\u00edskat tolik prost\u0159edk\u016f? P\u0159i po\u0159izov\u00e1n\u00ed nov\u00e9ho bydlen\u00ed se v\u011bt\u0161ina z n\u00e1s v\u011bt\u0161inou rozhoduje, zda bude \u017e\u00e1dat o hypote\u010dn\u00ed \u00fav\u011br nebo ne. V\u011bt\u0161ina z n\u00e1s to nakonec aspo\u0148 zkus\u00ed, pokud nem\u00e1me dostatek pen\u011bz z vlastn\u00edch prost\u0159edk\u016f, pak v podstat\u011b nem\u00e1me ani jinou mo\u017enost. Po\u010d\u00edtat v\u0161ak mus\u00edme pr\u00e1v\u011b jen s t\u011bmi 80ti procenty ceny nemovitosti a to jen v p\u0159\u00edpad\u011b, \u017ee nem\u00e1me z\u00e1znam v registru dlu\u017en\u00edk\u016f, m\u00e1me dostate\u010dn\u00fd p\u0159\u00edjem a spl\u0148ujeme v\u0161echny podm\u00ednky banky. Zbytek ceny nemovitosti si samoz\u0159ejm\u011b m\u016f\u017eete zap\u016fj\u010dit i jinde, t\u0159eba ze stavebn\u00edho spo\u0159en\u00ed a t\u00edm p\u00e1dem spl\u00e1cet p\u016fj\u010dky dv\u011b. Dal\u0161\u00ed mo\u017enost\u00ed je ru\u010dit je\u0161t\u011b jinou nemovitost\u00ed, kter\u00e1 v\u00e1m zv\u00fd\u0161\u00ed odhadn\u00ed cenu nemovitosti a t\u00edm p\u00e1dem dos\u00e1hnete na mnohem vy\u0161\u0161\u00ed \u010d\u00e1stku. Nev\u00fdhoda v\u0161ak je, \u017ee v p\u0159\u00edpad\u011b probl\u00e9m\u016f se spl\u00e1cen\u00edm m\u016f\u017eete p\u0159ij\u00edt o ob\u011b nemovitosti. \u010casto se takto ru\u010d\u00ed nemovitostmi rodi\u010d\u016f a pot\u00e9 se ocit\u00e1 v probl\u00e9mech cel\u00e1 rodina. Pokud m\u00e1te z\u00e1znam v registru dlu\u017en\u00edk\u016f, pak v podstat\u011b nem\u00e1te \u0161anci hypote\u010dn\u00ed \u00fav\u011br na nemovitost z\u00edskat. Sice existuj\u00ed nebankovn\u00ed hypot\u00e9ky bez registru, av\u0161ak ty jsou ur\u010deny p\u0159edev\u0161\u00edm pro podnikatele a nejedn\u00e1 se o spot\u0159ebitelsk\u00e9 \u00fav\u011bry. Z registru dlu\u017en\u00edk\u016f v\u00e1s v\u0161ak po ur\u010dit\u00e9 dob\u011b samoz\u0159ejm\u011b vy\u0161krtnou a pot\u00e9 m\u00e1te mo\u017enost na hypot\u00e9ku op\u011bt dos\u00e1hnout.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Cesta k nov\u00e9mu bydlen\u00ed","item":"https:\/\/www.kskri.cz\/cesta-k-novemu-bydleni\/#breadcrumbitem"}]}]