[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chts.cz\/bydleni-ve-vlastnim\/#Article","mainEntityOfPage":"https:\/\/www.chts.cz\/bydleni-ve-vlastnim\/","headline":"Bydlen\u00ed ve vlastn\u00edm","name":"Bydlen\u00ed ve vlastn\u00edm","description":"Bydlet v\u011b\u010dn\u011b u rodi\u010d\u016f m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e9, zvl\u00e1\u0161\u0165 pokud jste se rozhodli zalo\u017eit rodinu. Mnoho mlad\u00fdch rodin dnes sd\u00edl\u00ed bydlen\u00ed se star\u0161\u00ed generac\u00ed, ale ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f to nen\u00ed zrovna ide\u00e1ln\u00ed. Ka\u017ed\u00fd m\u00e1 toti\u017e jin\u00e1 pravidla a po\u017eadavky a poslouchat rodi\u010de je\u0161t\u011b po t\u0159ic\u00edtce nen\u00ed zrovna nejlep\u0161\u00ed cestou k nez\u00e1vislosti. […]","datePublished":"2021-11-13","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.chts.cz\/author\/#Person","name":"","url":"https:\/\/www.chts.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chts.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chts.cz\/wp-content\/uploads\/poverty-gfb065ce09_640.jpg","url":"https:\/\/www.chts.cz\/wp-content\/uploads\/poverty-gfb065ce09_640.jpg","height":0,"width":0},"url":"https:\/\/www.chts.cz\/bydleni-ve-vlastnim\/","about":["Pen\u00edze"],"wordCount":508,"articleBody":"      Bydlet v\u011b\u010dn\u011b u rodi\u010d\u016f m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e9, zvl\u00e1\u0161\u0165 pokud jste se rozhodli zalo\u017eit rodinu. Mnoho mlad\u00fdch rodin dnes sd\u00edl\u00ed bydlen\u00ed se star\u0161\u00ed generac\u00ed, ale ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f to nen\u00ed zrovna ide\u00e1ln\u00ed. Ka\u017ed\u00fd m\u00e1 toti\u017e jin\u00e1 pravidla a po\u017eadavky a poslouchat rodi\u010de je\u0161t\u011b po t\u0159ic\u00edtce nen\u00ed zrovna nejlep\u0161\u00ed cestou k nez\u00e1vislosti. Pro\u010d tedy tolik lid\u00ed nezkus\u00ed vlastn\u00ed bydlen\u00ed? Je to jednoduch\u00e9. Ceny nemovitost\u00ed jsou mnohdy p\u0159\u00edli\u0161 vysok\u00e9, p\u0159\u00edjmy n\u00edzk\u00e9 a podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky se zdaj\u00ed b\u00fdt a\u017e d\u011bsiv\u011b nedosa\u017eiteln\u00e9. Pokl\u00e1d\u00e1te si tak\u00e9 ot\u00e1zku: dos\u00e1hnu na hypot\u00e9ku? Tak si to poj\u010fme proj\u00edt.Na\u0161et\u0159en\u00e1 \u010d\u00e1stkaAno, p\u0159esn\u011b tak. A\u010dkoliv si chcete p\u016fj\u010dit, nebo mo\u017en\u00e1 pr\u00e1v\u011b proto, mus\u00edte m\u00edt p\u0159edem na\u0161et\u0159enou adekv\u00e1tn\u00ed \u010d\u00e1stku. Pokud jste ve v\u011bku do 36 let, sta\u010d\u00ed v\u00e1m deset procent z ceny nemovitosti. \u017de to nen\u00ed tak hrozn\u00e9? Pr\u016fm\u011brn\u00e1 cena nemovitost\u00ed v okol\u00ed v\u011bt\u0161\u00edch m\u011bst se pohybuje okolo 15 milion\u016f, deset procent z t\u00e9to \u010d\u00e1stky je tedy 1,5 milionu, co\u017e osoby s b\u011b\u017enou mzdou nena\u0161et\u0159\u00ed jen tak. Pokud v\u00e1m sta\u010d\u00ed bydlen\u00ed v men\u0161\u00edm m\u011bst\u011b, nebo na odlehlej\u0161\u00ed vesnici, jist\u011b hodn\u011b u\u0161et\u0159\u00edte. Co se ale nab\u00eddky pr\u00e1ce v takov\u00fdch lokalit\u00e1ch t\u00fd\u010de, je to mnohem hor\u0161\u00ed a vy p\u0159eci budete pot\u0159ebovat z n\u011b\u010deho hypot\u00e9ku spl\u00e1cet. P\u0159\u00edjmyDal\u0161\u00edm d\u016fle\u017eit\u00fdm krit\u00e9riem pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky jsou va\u0161e p\u0159\u00edjmy. Pokryje alespo\u0148 50% va\u0161eho platu m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku i s \u00faroky? Po\u010d\u00edtaj\u00ed se jen stabiln\u00ed p\u0159\u00edjmy, nikoliv brig\u00e1dy. Nemluv\u011b o tom, \u017ee kdy\u017e ztrat\u00edte zam\u011bstn\u00e1n\u00ed, chce m\u00edt banka jistotu, \u017ee budete moci spl\u00e1cet.M\u00e1te \u010d\u00edm ru\u010dit?Chcete-li postavit d\u016fm nov\u00fd, mus\u00edte m\u00edt n\u011bco, \u010d\u00edm m\u016f\u017eete ru\u010dit, minim\u00e1ln\u011b do doby, ne\u017e hotov\u00fd d\u016fm zkolaudujete. Nap\u0159\u00edklad d\u016fm rodi\u010d\u016f (s jejich svolen\u00edm). Ale myslete na to, \u017ee v\u011bc kterou ru\u010d\u00edte mus\u00ed m\u00edt hodnotu vy\u0161\u0161\u00ed, ne\u017e je po\u017eadovan\u00e1 \u010d\u00e1stka, kterou si hodl\u00e1te vyp\u016fj\u010dit.M\u016f\u017eete n\u011bjak u\u0161et\u0159it?Bydl\u00edte-li v pron\u00e1jmu a m\u00e1te mo\u017enost odst\u011bhovat se na n\u011bjakou dobu k rodi\u010d\u016fm, nev\u00e1hejte. Pen\u00edze kter\u00e9 investujete do n\u00e1jmu se v\u00e1m \u010dasem budou hodit.Existuj\u00ed i jin\u00e9 mo\u017enosti?Jist\u011b. M\u016f\u017eete po\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku, jej\u00ed\u017e podm\u00ednky nejsou zdaleka tak p\u0159\u00edsn\u00e9. Nap\u0159\u00edklad spole\u010dnost FAHD nab\u00edz\u00ed nebankovn\u00ed p\u016fj\u010dky pro ka\u017ed\u00e9ho a a\u010dkoliv nejsou \u00fapln\u011b bez podm\u00ednek, chlub\u00ed se jedn\u00edm z nejv\u00fdhodn\u011bj\u0161\u00edch \u00farok\u016f v oblasti nebankovn\u00edch p\u016fj\u010dek a p\u0159ijateln\u00fdmi podm\u00ednkami.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bydlen\u00ed ve vlastn\u00edm","item":"https:\/\/www.chts.cz\/bydleni-ve-vlastnim\/#breadcrumbitem"}]}]