[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.terranet.cz\/pujcka-jedina-cesta-k-vlastnimu-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.terranet.cz\/pujcka-jedina-cesta-k-vlastnimu-bydleni\/","headline":"P\u016fj\u010dka, jedin\u00e1 cesta k vlastn\u00edmu bydlen\u00ed","name":"P\u016fj\u010dka, jedin\u00e1 cesta k vlastn\u00edmu bydlen\u00ed","description":"V\u011bt\u0161ina z\u00a0n\u00e1s se rozhoduje nebo se ji\u017e rozhodla pro vlastn\u00ed bydlen\u00ed. Pokud se t\u00e9to problematice ji\u017e v\u011bnujeme m\u016f\u017eeme vid\u011bt, \u017ee […]","datePublished":"2025-03-08","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.terranet.cz\/author\/#Person","name":"","url":"https:\/\/www.terranet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"terranet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.terranet.cz\/wp-content\/uploads\/img_a327374_w2591_t1539666365.jpg","url":"https:\/\/www.terranet.cz\/wp-content\/uploads\/img_a327374_w2591_t1539666365.jpg","height":0,"width":0},"url":"https:\/\/www.terranet.cz\/pujcka-jedina-cesta-k-vlastnimu-bydleni\/","about":["D\u016fm a byt"],"wordCount":433,"articleBody":"V\u011bt\u0161ina z\u00a0n\u00e1s se rozhoduje nebo se ji\u017e rozhodla pro vlastn\u00ed bydlen\u00ed. Pokud se t\u00e9to problematice ji\u017e v\u011bnujeme m\u016f\u017eeme vid\u011bt, \u017ee takov\u00e1 v\u00fdstavba nen\u00ed levn\u00e1 z\u00e1le\u017eitost. Mus\u00edme zaplatit nemovitost pak samotn\u00fd materi\u00e1l a mezit\u00edm v\u0161elijak\u00e9 poplatky a pokuty. To n\u00e1s ve v\u00fdsledku m\u016f\u017ee vyj\u00edt a\u017e na n\u011bkolik milion\u016f korun. Samoz\u0159ejm\u011b se jedn\u00e1 o investici na cel\u00fd \u017eivot, ale kde tolik pen\u011bz vz\u00edt.Pokud je nem\u00e1me na spo\u0159\u00edc\u00edm \u00fa\u010dtu nebo jsme pr\u00e1v\u011b nevyhr\u00e1li loterii mus\u00edme se obr\u00e1tit na banky. Ty n\u00e1m jsou samoz\u0159ejm\u011b ochotny p\u016fj\u010dit, ale pouze v\u00a0p\u0159\u00edpad\u011b, \u017ee spl\u0148ujeme ve\u0161ker\u00e9 podm\u00ednky pro jejich z\u00edsk\u00e1n\u00ed. Z\u00e1kladn\u00ed podm\u00ednkou je ru\u010den\u00ed. V\u017edy mus\u00edme ru\u010dit n\u011bjakou hodnotnou movitou v\u011bc\u00ed, nej\u010dast\u011bji pak nemovitost\u00ed. Zde soudn\u00ed znalec ur\u010d\u00ed hodnotu, ale nesm\u00edme se p\u0159\u00edli\u0161 radovat. Banka poskytne pouze takovou c\u00edlovou \u010d\u00e1stku, kter\u00e1 se rovn\u00e1 maxim\u00e1ln\u011b 70 % hodnoty nemovitosti.Krom\u011b z\u00e1stavy banka vy\u017eaduje tak\u00e9 v\u00fdpis z\u00a0registru dlu\u017en\u00edk\u016f a dolo\u017een\u00ed st\u00e1l\u00e9ho p\u0159\u00edjmu. Kdy\u017e jednu z\u00a0t\u011bchto z\u00e1kladn\u00edch podm\u00ednek nespl\u0148ujeme nem\u016f\u017eeme \u010dekat, \u017ee pen\u00edze z\u00edsk\u00e1me. Banka nav\u00edc sv\u00e9 pen\u00edze uvol\u0148uje postupn\u011b, a nav\u00edc na pouze p\u0159edem stanoven\u00fd \u00fa\u010del. Pokud vyu\u017eit\u00ed \u00fav\u011bru nedodr\u017e\u00edme o v\u0161echny pen\u00edze p\u0159ijdeme.Pro ty m\u00e9n\u011b \u0161\u0165astn\u00e9 jsou tady nebankovn\u00ed spole\u010dnosti. U t\u011bch je v\u0161ak zapot\u0159eb\u00ed se m\u00edt neust\u00e1le na pozoru. Tyto spole\u010dnosti jsou nebankovn\u00ed, jeliko\u017e se jim nepoda\u0159ilo z\u00edskat bankovn\u00ed licenci, tu ud\u011bluje centr\u00e1ln\u00ed banka, v\u00a0na\u0161em p\u0159\u00edpad\u011b \u010cesk\u00e1 n\u00e1rodn\u00ed banka, spole\u010dnostem, kter\u00e9 spl\u0148uj\u00ed podm\u00ednky pro statut banky.Ostatn\u00ed spole\u010dnosti, tedy ty nebankovn\u00ed se mus\u00ed spokojit se sv\u00fdmi slu\u017ebami. V\u011bt\u0161inou poskytuj\u00ed to sam\u00e9, ale jeliko\u017e nevy\u017eaduj\u00ed tak velkou z\u00e1stavu navy\u0161uj\u00ed riziko. To se m\u016f\u017ee dostat a\u017e k\u00a0procent\u016fm, kter\u00e9 se rovnaj\u00ed pojmu lichv\u00e1\u0159stv\u00ed.Jejich hlavn\u00ed v\u00fdhodou je nebankovn\u00ed nebo tak\u00e9 americk\u00e1 hypot\u00e9ka. Ta m\u00e1 stejn\u00e9 vlastnosti jako standardn\u00ed hypot\u00e9ka, ale nen\u00ed u n\u00ed p\u0159edem stanoven\u00fd \u00fa\u010del. Tud\u00ed\u017e si m\u016f\u017eeme spl\u00e1tky rozlo\u017eit klidn\u011b i na obdob\u00ed 30 let a spl\u00e1cet s\u00a0n\u00edzkou \u00farokovou sazbou, a nav\u00edc nemus\u00edme p\u0159edem ud\u00e1vat \u00fa\u010del vyu\u017eit\u00ed pen\u011bz.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka, jedin\u00e1 cesta k vlastn\u00edmu bydlen\u00ed","item":"https:\/\/www.terranet.cz\/pujcka-jedina-cesta-k-vlastnimu-bydleni\/#breadcrumbitem"}]}]