{"id":397,"date":"2021-06-16T19:29:36","date_gmt":"2021-06-16T17:29:36","guid":{"rendered":"https:\/\/estavby.cz\/?p=397"},"modified":"2024-05-27T21:40:27","modified_gmt":"2024-05-27T19:40:27","slug":"koupe-domu-ve-vystavbe","status":"publish","type":"post","link":"https:\/\/estavby.cz\/?p=397","title":{"rendered":"Koup\u011b domu ve v\u00fdstavb\u011b"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Va\u0161e ot\u00e1zka: &#8222;Cht\u011bl bych koupit domek od developera, kter\u00fd je nyn\u00ed ve v\u00fdstavb\u011b. Jeho cena po dokon\u010den\u00ed (ve stadiu tzv. Holodomu) bude 145 000 \u20ac. Jak m\u00e1m postupovat p\u0159i financov\u00e1n\u00ed? Na co si m\u00e1m d\u00e1t pozor? &#8222;O odbornou radu jsme po\u017e\u00e1dali specialistu ze spole\u010dnosti Broker Consulting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dobr\u00e9 je, pokud si m\u016f\u017eete sami zvolit banku. Nen\u00ed to a\u017e takov\u00e1 samoz\u0159ejmost, proto\u017ee n\u011bkte\u0159\u00ed develope\u0159i maj\u00ed podepsan\u00e9 smlouvy o financov\u00e1n\u00ed s konkr\u00e9tn\u00ed bankou. Ide\u00e1ln\u00ed je, pokud kupuj\u00edc\u00ed nejprve zaplat\u00ed rezerva\u010dn\u00ed poplatek a \u010d\u00e1st z\u00e1lohy, zbytek doplat\u00ed a\u017e po kolaudaci. Jsou v\u0161ak i projekty, p\u0159i kter\u00fdch kupuj\u00edc\u00ed zaplat\u00ed celou \u010d\u00e1stku u\u017e p\u0159i podpisu kupn\u00ed smlouvy. Toto \u0159e\u0161en\u00ed nejv\u00edce vyhovuje developerovi. Inkasuje toti\u017e plnou \u010d\u00e1stku p\u0159edem, i kdy\u017e aktu\u00e1ln\u00ed hodnota rozestav\u011bn\u00e9 stavby je ni\u017e\u0161\u00ed. V p\u0159\u00edpad\u011b, \u017ee smlouva neobsahuje term\u00edny a sankce za jejich nedodr\u017een\u00ed, kupuj\u00edc\u00ed tah\u00e1 za krat\u0161\u00ed konec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cast\u00fdm modelem je financov\u00e1n\u00ed novostavby hypote\u010dn\u00edm \u00fav\u011brem, p\u0159i\u010dem\u017e kupuj\u00edc\u00ed m\u00e1 k dispozici vlastn\u00ed zdroje ve v\u00fd\u0161i asi 20% z prodejn\u00ed ceny. V takov\u00e9m p\u0159\u00edpad\u011b bych doporu\u010dovala \u00fav\u011br z banky ve v\u00fd\u0161i 145 000 \u20ac a uzav\u0159\u00edt s developerem smlouvu o p\u0159evodu vlastnick\u00fdch pr\u00e1v rozestav\u011bn\u00e9 stavby, kde bude uvedena jej\u00ed aktu\u00e1ln\u00ed hodnota 80 000 \u20ac. Banka v\u00e1m po schv\u00e1len\u00ed \u00fav\u011bru uvoln\u00ed 80% \u010d\u00e1stky uveden\u00e9 ve smlouv\u011b, t. j. 64 000 \u20ac, zb\u00fdvaj\u00edc\u00edch 16 000 \u20ac uhrad\u00edte ze sv\u00fdch prost\u0159edk\u016f. N\u00e1sledn\u011b uzav\u0159ete s developerem smlouvu o d\u00edlo na zb\u00fdvaj\u00edc\u00edch 65 000 \u20ac. Banka uvoln\u00ed dal\u0161\u00ed pen\u00edze na v\u00e1\u0161 \u00fa\u010det na z\u00e1klad\u011b fotodokumentace a vy pak budete vypl\u00e1cet developera podle smlouvy. Ale pozor, n\u011bkter\u00e9 banky uvoln\u00ed dal\u0161\u00ed tran\u0161i a\u017e po koupi, tedy a\u017e kdy\u017e je klient vlastn\u00edkem nemovitosti. Proto je d\u016fle\u017eit\u00e9 po schv\u00e1len\u00ed \u00fav\u011bru komunikovat s developerem a p\u0159ipravit smlouvu o d\u00edlo podle bankou navrhovan\u00fdch podm\u00ednek.<\/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\/dkt.jpg\" alt=\"\" class=\"wp-image-399\" srcset=\"https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/dkt.jpg 1000w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/dkt-300x200.jpg 300w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/dkt-768x512.jpg 768w, https:\/\/estavby.cz\/wp-content\/uploads\/2021\/06\/dkt-696x464.jpg 696w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">P\u0159i koupi nemovitosti, kterou stav\u00ed developer, mohou nastat r\u016fzn\u00e9 situace. D\u016fle\u017eit\u00e1 je p\u0159itom jeho ochota komunikovat a p\u0159izp\u016fsobit se financuj\u00edc\u00ed bance. Nem\u00e9n\u011b d\u016fle\u017eit\u00e1 je i volba finan\u010dn\u00edho zprost\u0159edkovatele, kter\u00fd zn\u00e1 detaily bankovn\u00edch produkt\u016f a dok\u00e1\u017ee v\u00e1m pomoci p\u0159i v\u00fdb\u011bru tak, aby byla transakce pro v\u00e1s bezpe\u010dn\u00e1 a aby byli spokojeni v\u0161ichni.<\/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 najdete 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<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Redakce rad\u00ed: Inspirujete se u\u017eite\u010dn\u00fdmi tipy jak spr\u00e1vn\u011b pe\u010dovat o sv\u016fj <a href=\"https:\/\/primainspiracie.sk\/kategoria\/dom\/\">d\u016fm<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Va\u0161e ot\u00e1zka: &#8222;Cht\u011bl bych koupit domek od developera, kter\u00fd je nyn\u00ed ve v\u00fdstavb\u011b. Jeho cena po dokon\u010den\u00ed (ve stadiu tzv. Holodomu) bude 145 000 \u20ac. Jak m\u00e1m postupovat p\u0159i financov\u00e1n\u00ed? Na co si m\u00e1m d\u00e1t pozor? &#8222;O odbornou radu jsme po\u017e\u00e1dali specialistu ze spole\u010dnosti Broker Consulting. Dobr\u00e9 je, pokud si m\u016f\u017eete sami zvolit banku. Nen\u00ed [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":398,"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-397","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\/397","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=397"}],"version-history":[{"count":1,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/397\/revisions"}],"predecessor-version":[{"id":775,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/397\/revisions\/775"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=\/wp\/v2\/media\/398"}],"wp:attachment":[{"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/estavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}