{"id":393,"date":"2021-06-16T19:28:10","date_gmt":"2021-06-16T17:28:10","guid":{"rendered":"https:\/\/estavby.cz\/?p=393"},"modified":"2022-09-01T22:21:22","modified_gmt":"2022-09-01T20:21:22","slug":"nejvice-nas-zatezuji-naklady-na-bydleni-snizite-si-je-s-uverem-za-095","status":"publish","type":"post","link":"https:\/\/estavby.cz\/?p=393","title":{"rendered":"Nejv\u00edce n\u00e1s zat\u011b\u017euj\u00ed n\u00e1klady na bydlen\u00ed. Sn\u00ed\u017e\u00edte si je s \u00fav\u011brem za 0,95%"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Dosp\u011bl\u00e1 osoba na Slovensku zaplat\u00ed za elekt\u0159inu, vodu, plyn a topen\u00ed v pr\u016fm\u011bru 190 eur m\u011bs\u00ed\u010dn\u011b. Tento osobn\u00ed v\u00fddaj p\u0159edstavuje p\u0159ibli\u017en\u011b \u010dtvrtinu na\u0161eho disponibiln\u00edho p\u0159\u00edjmu a ka\u017ed\u00fd m\u011bs\u00edc je tou nejv\u011bt\u0161\u00ed finan\u010dn\u00ed z\u00e1t\u011b\u017e\u00ed v\u011bt\u0161iny Slov\u00e1k\u016f. Porad\u00edme v\u00e1m, jak si ho m\u016f\u017eete sn\u00ed\u017eit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z pr\u016fzkumu Po\u0161tovn\u00ed banky, kter\u00fd realizovala spole\u010dnost 2muse na vzorku 510 respondent\u016f d\u00e1le vyplynulo, \u017ee bydlen\u00ed v jin\u00e9m kraji nep\u0159in\u00e1\u0161\u00ed v\u00fdrazn\u011b sn\u00ed\u017een\u00ed pod\u00edlu tohoto v\u00fddaje na p\u0159\u00edjmech. Na Slovensku toti\u017e plat\u00ed, \u017ee tam, kde jsou n\u00e1klady na d\u016fm a b\u00fdt ni\u017e\u0161\u00ed, tam jsou v\u011bt\u0161inou ni\u017e\u0161\u00ed i v\u00fdd\u011blky. \u010c\u00edm m\u00e9n\u011b vyd\u011bl\u00e1v\u00e1me, t\u00edm v\u00edce n\u00e1m bydlen\u00ed z v\u00fdplaty ukroj\u00ed. Nejv\u011bt\u0161\u00ed t\u00edhu osobn\u00edch n\u00e1klad\u016f na bydlen\u00ed z tohoto d\u016fvodu poci\u0165uj\u00ed v Trnavsk\u00e9m kraji. Bydlen\u00ed je v\u0161ak nejdra\u017e\u0161\u00ed v Bratislav\u011b, kde stoj\u00ed o t\u00e9m\u011b\u0159 100 eur v\u00edce ne\u017e je pr\u016fm\u011br na Slovensku. Nejni\u017e\u0161\u00ed v\u00fddaje maj\u00ed na v\u00fdchod\u011b zem\u011b, v Tren\u010d\u00ednsk\u00e9m a v Nitransk\u00e9m kraji. Podobnou \u010d\u00e1st disponibiln\u00edho p\u0159\u00edjmu jako na\u0161inci, d\u00e1vaj\u00ed na bydlen\u00ed i dom\u00e1cnosti v N\u011bmecku \u010di ve \u0160v\u00fdcarsku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ohro\u017een\u00e1 skupina obyvatel<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OECD sleduje tzv. ukazatel p\u0159\u00edli\u0161n\u00e9 t\u00edhy n\u00e1klad\u016f na bydlen\u00ed, kter\u00fd bere v \u00favahu v\u00fddaje zahrnuj\u00edc\u00ed hypote\u010dn\u00ed n\u00e1klady, n\u00e1jemn\u00e9, jako\u017e i n\u00e1klady na poji\u0161t\u011bn\u00ed, povinn\u00e9 poplatky za slu\u017eby, pravidelnou \u00fadr\u017ebu a opravy, dan\u011b a energie. Pokud tyto v\u00fddaje tvo\u0159\u00ed v\u00edce ne\u017e 40% disponibiln\u00edho p\u0159\u00edjmu, mluv\u00edme ji\u017e o p\u0159\u00edli\u0161n\u00e9 t\u00ed\u017ei n\u00e1klad\u016f. Na z\u00e1klad\u011b tohoto ukazatele m\u016f\u017eeme \u0159\u00edci, \u017ee pro v\u00edce ne\u017e 78% Slov\u00e1k\u016f s nejni\u017e\u0161\u00edm p\u0159\u00edjmem, kte\u0159\u00ed maj\u00ed hypot\u00e9ku, jsou n\u00e1klady na bydlen\u00ed velmi zat\u011b\u017euj\u00edc\u00ed a pat\u0159\u00ed do ohro\u017een\u00e9 skupiny obyvatel. V Ma\u010farsku a v Chorvatsku je n\u00edzkop\u0159\u00edjmov\u00e9 obyvatelstvo je\u0161t\u011b v\u00fdrazn\u011bji zasa\u017eeny, t\u00e9m\u011b\u0159 90% z nich d\u00e1v\u00e1 na bydlen\u00ed v\u00edce ne\u017e 40% sv\u00e9ho p\u0159\u00edjmu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bydlen\u00ed v pron\u00e1jmu je dra\u017e\u0161\u00ed<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle odhad\u016f plat\u00ed v\u00edce\u010dlenn\u00e9 dom\u00e1cnosti na Slovensku za bydlen\u00ed p\u0159ibli\u017en\u011b tolik jako ty men\u0161\u00ed. Velk\u00e9 rozd\u00edly v hrazen\u00e9 \u010d\u00e1stce nejsou ani p\u0159i rodin\u00e1ch s d\u011btmi oproti t\u011bm bez d\u011bt\u00ed. P\u011bt a v\u00edce\u010dlenn\u00e9 dom\u00e1cnosti plat\u00ed v pr\u016fm\u011bru 250 eur m\u011bs\u00ed\u010dn\u011b. Slov\u00e1k\u016f \u017eij\u00edc\u00edch v pron\u00e1jmu stoj\u00ed bydlen\u00ed p\u0159ibli\u017en\u011b o 50 eur na osobu v\u00edce ne\u017e vlastn\u00edk\u016f nemovitost\u00ed. Pr\u016fm\u011brn\u00e1 slovensk\u00e1 dom\u00e1cnost zat\u00ed\u017eena hypot\u00e9kou si na st\u0159echu nad hlavou mus\u00ed m\u011bs\u00ed\u010dn\u011b vy\u010dlenit v pr\u016fm\u011bru 514 eur. Tento n\u00e1klad si m\u016f\u017eete v\u00fdrazn\u011b sn\u00ed\u017eit d\u00edky \u00fav\u011bru na bydlen\u00ed od Po\u0161tovn\u00ed banky.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Nev\u00edte, jak si sjednat to nejv\u00fdhodn\u011bj\u0161\u00ed majetkov\u00e9 poji\u0161t\u011bn\u00ed? Vyu\u017eijte mo\u017enost online srovn\u00e1n\u00ed cen a najd\u011bte to nejlep\u0161\u00ed <a href=\"https:\/\/www.srovnator.cz\/pojisteni-majetku\/\">poji\u0161t\u011bn\u00ed majetku.<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Sni\u017ete si v\u00fddaje o stovky eur<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/zldu.jpg\" alt=\"\" class=\"wp-image-395\" srcset=\"https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/zldu.jpg 1000w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/zldu-300x200.jpg 300w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/zldu-768x512.jpg 768w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/zldu-696x464.jpg 696w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Refinancovat se nyn\u00ed vyplat\u00ed v\u00edce ne\u017e kdykoliv p\u0159edt\u00edm. Po\u0161tovn\u00ed banka nab\u00edz\u00ed \u00fav\u011br na bydlen\u00ed U\u017eite\u010dn\u00e9 bydlen\u00ed s \u00farokem 0,95% ro\u010dn\u011b s fixac\u00ed na 3 roky, se kter\u00fdm u\u0161et\u0159\u00edte tis\u00edce eur na n\u00e1kladech na hypot\u00e9ku. Podle \u00fadaj\u016f centr\u00e1ln\u00ed banky se p\u0159ed rokem (v z\u00e1\u0159\u00ed 2016) poskytovaly \u00fav\u011bry na bydlen\u00ed s pr\u016fm\u011brnou sazbou 1,81% ro\u010dn\u011b p\u0159i fixaci od jednoho do 5 let. Pokud si n\u011bkdo p\u016fj\u010dil za takov\u00fd \u00farok 100 000 eur p\u0159i splatnosti 25 let, mohl po\u010d\u00edtat se spl\u00e1tkou 414,67 eura m\u011bs\u00ed\u010dn\u011b. &#8222;Pokud dnes vyu\u017eije \u00fav\u011br U\u017eite\u010dn\u00e9 bydlen\u00ed od Po\u0161tovn\u00ed banky s \u00farokem 0,95% ro\u010dn\u011b, m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka by mu klesla na 374,61 eura. Jen za prvn\u00ed rok by u\u0161et\u0159il v\u00edce ne\u017e 480 eur, co\u017e je v\u00edce ne\u017e polovina pr\u016fm\u011brn\u00e9ho m\u011bs\u00ed\u010dn\u00edho platu na Slovensku, &#8222;upozor\u0148uje mluv\u010d\u00ed Po\u0161tovn\u00ed banky L\u00fddia \u017d\u00e1\u010dkov\u00e1. Po celou dobu spl\u00e1cen\u00ed by \u00faspora \u010dinila p\u0159es 12 tis\u00edc eur, za p\u0159edpokladu, \u017ee by se za tuto dobu nezm\u011bnila \u00farokov\u00e1 sazba pro klienta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do konce \u0159\u00edjna z\u00edsk\u00e1te \u00fav\u011br bez poplatku za poskytnut\u00ed. Po\u0161tovn\u00ed banka proplat\u00ed i n\u00e1klady na znalce i katastr a u\u0161et\u0159\u00ed v\u00e1m nejen pen\u00edze, ale i \u010das. Na jej\u00ed str\u00e1nce si m\u016f\u017eete on-line dohodnout setk\u00e1n\u00ed na konkr\u00e9tn\u00ed pobo\u010dce ve v\u00e1mi vybran\u00e9m \u010dase.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dosp\u011bl\u00e1 osoba na Slovensku zaplat\u00ed za elekt\u0159inu, vodu, plyn a topen\u00ed v pr\u016fm\u011bru 190 eur m\u011bs\u00ed\u010dn\u011b. Tento osobn\u00ed v\u00fddaj p\u0159edstavuje p\u0159ibli\u017en\u011b \u010dtvrtinu na\u0161eho disponibiln\u00edho p\u0159\u00edjmu a ka\u017ed\u00fd m\u011bs\u00edc je tou nejv\u011bt\u0161\u00ed finan\u010dn\u00ed z\u00e1t\u011b\u017e\u00ed v\u011bt\u0161iny Slov\u00e1k\u016f. Porad\u00edme v\u00e1m, jak si ho m\u016f\u017eete sn\u00ed\u017eit. Z pr\u016fzkumu Po\u0161tovn\u00ed banky, kter\u00fd realizovala spole\u010dnost 2muse na vzorku 510 respondent\u016f d\u00e1le [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":394,"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-393","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\/393","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=393"}],"version-history":[{"count":0,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/393\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/media\/394"}],"wp:attachment":[{"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}