{"id":385,"date":"2021-06-16T19:21:26","date_gmt":"2021-06-16T17:21:26","guid":{"rendered":"https:\/\/estavby.cz\/?p=385"},"modified":"2021-06-16T19:21:27","modified_gmt":"2021-06-16T17:21:27","slug":"jste-pripraveni-na-hypoteku-nebo-na-pronajem","status":"publish","type":"post","link":"https:\/\/estavby.cz\/?p=385","title":{"rendered":"Jste p\u0159ipraveni na hypot\u00e9ku nebo na pron\u00e1jem?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Va\u0161e ot\u00e1zka: &#8222;Jsme mlad\u00fd p\u00e1r a hled\u00e1me bydlen\u00ed ve m\u011bst\u011b, kde pracujeme. P\u0159em\u00fd\u0161leli jsme nad podn\u00e1jmem, ale i nad vlastn\u00edm bytem. Nev\u00edme v\u0161ak rozhodnout, kter\u00e9 \u0159e\u0161en\u00ed by bylo lep\u0161\u00ed. &#8222;O odpov\u011b\u010f jsme po\u017e\u00e1dali finan\u010dn\u00edho specialisty ze spole\u010dnosti Broker Consulting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u011bt\u0161ina mlad\u00fdch \u0159e\u0161\u00ed ot\u00e1zku bydlen\u00ed po skon\u010den\u00ed \u0161koly, \u010dasto jsou jen kr\u00e1tce zam\u011bstn\u00e1n\u00ed s n\u00e1stupn\u00edm platem, nemaj\u00ed naspo\u0159en\u00e9 pot\u0159ebn\u00e9 prost\u0159edky, ale bydlet pot\u0159ebuj\u00ed. Dostupn\u00fdch n\u00e1jemn\u00edch byt\u016f je \u017ealostn\u011b m\u00e1lo. Na druh\u00e9 stran\u011b, v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky je st\u00e1le ni\u017e\u0161\u00ed ne\u017e b\u011b\u017en\u00e9 n\u00e1jemn\u00e9 za srovnatelnou nemovitost. Nen\u00ed novinkou, \u017ee n\u00e1jemn\u00edk \u010dasto spl\u00e1c\u00ed n\u00e1jmem \u00fav\u011br n\u011bkomu jin\u00e9mu. Pron\u00e1jem nav\u00edc p\u0159in\u00e1\u0161\u00ed riziko v\u00fdpov\u011bdi, p\u0159\u00edpadn\u011b \u010dast\u011bji stahov\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud na to m\u00e1te dostate\u010dn\u00fd p\u0159\u00edjem, doporu\u010duji v\u00e1m rad\u011bji koupi. I kdy\u017e st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek k hypot\u00e9ce pro mlad\u00e9 byl nahrazen da\u0148ov\u00fdm bonusem, \u010d\u00edm\u017e potenci\u00e1ln\u00ed \u00faspora klesla z p\u016fvodn\u00edch p\u0159ibli\u017en\u011b 6 000 \u20ac za obdob\u00ed p\u011bti let na 2 000 \u20ac. Da\u0148ov\u00fd bonus mohou st\u00e1le vyu\u017e\u00edt \u017eadatel\u00e9 ve v\u011bku od 18 do 35 let. Je t\u0159eba dodat, \u017ee \u010d\u00edm d\u00e9le budete tento krok odkl\u00e1dat, t\u00edm bude finan\u010dn\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed. D\u016fvodem je maxim\u00e1ln\u00ed splatnost \u00fav\u011bru. Ta je zpravidla do v\u011bku \u017eadatele 65 let, maxim\u00e1ln\u011b 30 let. Probl\u00e9mem m\u016f\u017ee b\u00fdt i p\u0159echod od startovac\u00edho jedno- \u010di dvoupokojov\u00e9ho bytu k v\u011bt\u0161\u00edmu, hlavn\u011b ve v\u011bku nad 35 let. Tehdy za\u010d\u00edn\u00e1 zkracovat splatnost \u00fav\u011bru, a t\u00edm se zvy\u0161uje m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. P\u0159i koupi vlastn\u00edho bydlen\u00ed je p\u0159i mlad\u00fdch lidech nejv\u011bt\u0161\u00ed komplikac\u00ed v\u00fd\u0161ka p\u0159\u00edjmu a velmi \u010dasto \u017e\u00e1dn\u00e9 vlastn\u00ed naspo\u0159en\u00e9 prost\u0159edky. Banky st\u00e1le mohou financovat 100% kupn\u00ed ceny, je to v\u0161ak st\u00e1le komplikovan\u011bj\u0161\u00ed a dra\u017e\u0161\u00ed. \u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt zalo\u017een\u00ed i jin\u00e9 nemovitosti (nap\u0159. Rodi\u010dovsk\u00e9) nebo kombinace s jin\u00fdm \u00fav\u011brov\u00fdm produktem. Banky budou cht\u00edt od \u017eadatel\u016f o \u00fav\u011br st\u00e1le v\u00edce vlastn\u00edch zdroj\u016f, proto je dobr\u00e9 myslet na vlastn\u00ed bydlen\u00ed d\u0159\u00edve a za\u010d\u00edt spo\u0159it vlastn\u00ed zdroje, kter\u00e9 by m\u011bly b\u00fdt alespo\u0148 ve v\u00fd\u0161i 10 a\u017e 20% z kupn\u00ed ceny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edt\u00edm, ne\u017e se rozhodnete pro n\u00e1jem nebo koupi, doporu\u010duji kontaktovat s finan\u010dn\u00edm zprost\u0159edkovatel\u016fm, kter\u00fd v\u00e1m poskytne detailn\u011bj\u0161\u00ed informace o financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"684\" height=\"1024\" src=\"https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/pexels-photo-6121091-684x1024.jpg\" alt=\"\" class=\"wp-image-387\" srcset=\"https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/pexels-photo-6121091-684x1024.jpg 684w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/pexels-photo-6121091-200x300.jpg 200w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/pexels-photo-6121091-768x1150.jpg 768w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/pexels-photo-6121091-696x1043.jpg 696w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/pexels-photo-6121091.jpg 1000w\" sizes=\"auto, (max-width: 684px) 100vw, 684px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Branislav Sedilek, mana\u017eer hypote\u010dn\u00edch obchod\u016f Broker Consulting, a. s. info@bcas.sk<br>Branislav Sedilek, mana\u017eer hypote\u010dn\u00edch obchod\u016f Broker Consulting, a. s. info@bcas.sk archiv vydavatelstv\u00ed JAGA<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V zahrani\u010d\u00ed je trendem pron\u00e1jem nemovitost\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Slov\u00e1ci rad\u011bji spl\u00e1cej\u00ed vlastn\u00ed bydlen\u00ed, ne\u017e by platili podn\u00e1jem a nevlastnili nic.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Va\u0161e ot\u00e1zka: &#8222;Jsme mlad\u00fd p\u00e1r a hled\u00e1me bydlen\u00ed ve m\u011bst\u011b, kde pracujeme. P\u0159em\u00fd\u0161leli jsme nad podn\u00e1jmem, ale i nad vlastn\u00edm bytem. Nev\u00edme v\u0161ak rozhodnout, kter\u00e9 \u0159e\u0161en\u00ed by bylo lep\u0161\u00ed. &#8222;O odpov\u011b\u010f jsme po\u017e\u00e1dali finan\u010dn\u00edho specialisty ze spole\u010dnosti Broker Consulting. V\u011bt\u0161ina mlad\u00fdch \u0159e\u0161\u00ed ot\u00e1zku bydlen\u00ed po skon\u010den\u00ed \u0161koly, \u010dasto jsou jen kr\u00e1tce zam\u011bstn\u00e1n\u00ed s n\u00e1stupn\u00edm platem, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":386,"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-385","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\/385","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=385"}],"version-history":[{"count":0,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/385\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/media\/386"}],"wp:attachment":[{"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=385"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=385"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}