[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zadaas.cz\/kde-ziskat-penize-na-vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.zadaas.cz\/kde-ziskat-penize-na-vlastni-bydleni\/","headline":"Kde z\u00edskat pen\u00edze na vlastn\u00ed bydlen\u00ed?","name":"Kde z\u00edskat pen\u00edze na vlastn\u00ed bydlen\u00ed?","description":"Pro jedince, \u010di mlad\u00e9 rodiny s d\u011btmi, je mnohdy n\u00e1ro\u010dn\u00e9 sd\u00edlet dom\u00e1cnost s rodi\u010di, kte\u0159\u00ed maj\u00ed sv\u00e1 pravidla, sv\u016fj zp\u016fsob \u017eivota, a rovn\u011b\u017e r\u00e1di otev\u0159en\u011b <a href=\"https:\/\/www.zadaas.cz\/kde-ziskat-penize-na-vlastni-bydleni\/\" class=\"read-more\"> <i class=\"ion-ios-arrow-right read-more-right\"><\/i><\/a>","datePublished":"2022-04-27","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.zadaas.cz\/author\/#Person","name":"","url":"https:\/\/www.zadaas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zadaas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zadaas.cz\/wp-content\/uploads\/coins-1523383_640.jpg","url":"https:\/\/www.zadaas.cz\/wp-content\/uploads\/coins-1523383_640.jpg","height":0,"width":0},"url":"https:\/\/www.zadaas.cz\/kde-ziskat-penize-na-vlastni-bydleni\/","about":["Finance"],"wordCount":445,"articleBody":"       Pro jedince, \u010di mlad\u00e9 rodiny s d\u011btmi, je mnohdy n\u00e1ro\u010dn\u00e9 sd\u00edlet dom\u00e1cnost s rodi\u010di, kte\u0159\u00ed maj\u00ed sv\u00e1 pravidla, sv\u016fj zp\u016fsob \u017eivota, a rovn\u011b\u017e r\u00e1di otev\u0159en\u011b sd\u011bluj\u00ed sv\u00e9 n\u00e1zory na \u017eivot sv\u00fdm potomk\u016fm. V takov\u00e9m p\u0159\u00edpad\u011b je nejlep\u0161\u00ed sehnat si vlastn\u00ed bydlen\u00ed. M\u00e1lokdo z mlad\u00fdch lid\u00ed si to v\u0161ak m\u016f\u017ee dovolit. Kde tedy sehnat pen\u00edze?Prvn\u00ed kroky obvykle vedou do bankyPokud chcete z\u00edskat hypot\u00e9ku na d\u016fm, byt, \u010di hypot\u00e9ku na pozemek, nejsp\u00ed\u0161 v\u00e1s jako prvn\u00ed napadne nav\u0161t\u00edvit svoji banku, nebo banku s nejlep\u0161\u00edm \u00farokem na trhu. To ej logick\u00e9, a d\u00e1v\u00e1 to smysl. Nen\u00ed to v\u0161ak \u00fapln\u011b jednoduch\u00e9, a chv\u00edli potrv\u00e1, ne\u017e se v\u00e1m poda\u0159\u00ed pen\u00edze z\u00edskat. Nejprve se bude posuzovat va\u0161e bonita, tedy v\u00fdd\u011blky za posledn\u00ed rok, \u010di roky. Ide\u00e1ln\u00ed je, pokud m\u00e1te smlouvu na neur\u010dito. Samoz\u0159ejm\u011b jde tak\u00e9 o to, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed m\u00e1te v\u00fdd\u011blky, t\u00edm vy\u0161\u0161\u00ed je \u0161ance, \u017ee se v\u00e1m poda\u0159\u00ed hypot\u00e9ku z\u00edskat. Uka\u017eme s i to na n\u00e1sleduj\u00edc\u00edm p\u0159\u00edkladu.Nemovitost, kterou si chcete po\u0159\u00eddit, stoj\u00ed 3 750 000K\u010d (z toho 750 000 ji\u017e mus\u00edte m\u00edt na\u0161et\u0159eno). Jste-li mlad\u00ed, m\u016f\u017eete si nastavit nejvy\u0161\u0161\u00ed dobu spl\u00e1cen\u00ed na 30 let, tud\u00ed\u017e s b\u011b\u017enou \u00farokovou sazbou 4,89% p.a. s fixac\u00ed na 5 let, budete m\u011bs\u00ed\u010dn\u011b spl\u00e1cet 15 904K\u010d. V\u00e1\u0161 \u010dist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je 35 000K\u010d. A bum. Na hypot\u00e9ku nedos\u00e1hnete. Banka v\u00e1m ji zkr\u00e1tka nem\u016f\u017ee za t\u011bchto podm\u00ednek poskytnout. Na hypot\u00e9ku v\u0161ak m\u016f\u017eete dos\u00e1hnout v p\u0159\u00edpad\u011b, \u017ee v\u00e1m pom\u016f\u017ee spolu\u017eadatel, nebo n\u011bkdo z rodiny, kdo se zaru\u010d\u00ed svoj\u00ed nemovitost\u00ed.Pokud banka nem\u016f\u017ee&#8230;V p\u0159\u00edpad\u011b, \u017ee jste v bance nepochodili, m\u016f\u017eete zam\u00ed\u0159it do n\u011bkter\u00e9 z nebankovn\u00edch spole\u010dnost\u00ed. Nejlep\u0161\u00ed volbou bude nejsp\u00ed\u0161 spole\u010dnost Nebankovn\u00ed hypot\u00e9ky. Zde u\u017e je tolerance ni\u017e\u0161\u00edch p\u0159\u00edjm\u016f, nebo p\u0159\u00edpadn\u011b i drobn\u00fdch z\u00e1znam\u016f v registru vy\u0161\u0161\u00ed. Neznamen\u00e1 to, \u017ee je va\u0161e p\u0159\u00edjmy nebudou zaj\u00edmat, proto\u017ee i nebankovn\u00ed spole\u010dnosti pot\u0159ebuj\u00ed jistotu. Av\u0161ak jedin\u00e9, coc je doopravdy zaj\u00edm\u00e1, je zda m\u00e1te nemovitost, kterou m\u016f\u017eete ru\u010dit. Doba splatnosti je zde stejn\u011b jako u banky a\u017e 30 let, co\u017e se odv\u00edj\u00ed od po\u010dtu spl\u00e1tek a va\u0161eho v\u011bku. K pen\u011bz\u016fm se v\u0161ak dostanete mnohem rychleji, co\u017e je jasnou v\u00fdhodou.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde z\u00edskat pen\u00edze na vlastn\u00ed bydlen\u00ed?","item":"https:\/\/www.zadaas.cz\/kde-ziskat-penize-na-vlastni-bydleni\/#breadcrumbitem"}]}]