[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eosbn.cz\/kde-usetrit-a-kde-vzit-penize-na-vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.eosbn.cz\/kde-usetrit-a-kde-vzit-penize-na-vlastni-bydleni\/","headline":"Kde u\u0161et\u0159it, a kde vz\u00edt pen\u00edze na vlastn\u00ed bydlen\u00ed","name":"Kde u\u0161et\u0159it, a kde vz\u00edt pen\u00edze na vlastn\u00ed bydlen\u00ed","description":"Vlastnictv\u00ed nemovitosti je kr\u00e1sn\u00e1 v\u011bc, pokud tou\u017e\u00edte m\u00edt jist\u00e9 m\u00edsto k \u017eivotu, st\u0159echu nad hlavou, a prostor pro budov\u00e1n\u00ed. Zat\u00edmco n\u00e1jem je dostupn\u00fd t\u00e9m\u011b\u0159 pro v\u0161echny, hod\u00ed se sp\u00ed\u0161 t\u011bm, kdo je\u0161t\u011b necht\u011bj\u00ed zapou\u0161t\u011bt ko\u0159eny, nebo d\u00e1vaj\u00ed p\u0159ednost \u017eivotu v pohybu. Jak ale z\u00edskat vlastn\u00ed bydlen\u00ed, a lze tohoto snu v dne\u0161n\u00ed dob\u011b v\u016fbec dos\u00e1hnout? […]","datePublished":"2021-05-31","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.eosbn.cz\/author\/#Person","name":"eosbn.cz\n","url":"https:\/\/www.eosbn.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eosbn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/eosbn.cz\/wp-content\/uploads\/architect-1080592_640_1.jpg","url":"https:\/\/eosbn.cz\/wp-content\/uploads\/architect-1080592_640_1.jpg","height":"","width":""},"url":"https:\/\/www.eosbn.cz\/kde-usetrit-a-kde-vzit-penize-na-vlastni-bydleni\/","about":["Neza\u0159azen\u00e9"],"wordCount":441,"articleBody":"      Vlastnictv\u00ed nemovitosti je kr\u00e1sn\u00e1 v\u011bc, pokud tou\u017e\u00edte m\u00edt jist\u00e9 m\u00edsto k \u017eivotu, st\u0159echu nad hlavou, a prostor pro budov\u00e1n\u00ed. Zat\u00edmco n\u00e1jem je dostupn\u00fd t\u00e9m\u011b\u0159 pro v\u0161echny, hod\u00ed se sp\u00ed\u0161 t\u011bm, kdo je\u0161t\u011b necht\u011bj\u00ed zapou\u0161t\u011bt ko\u0159eny, nebo d\u00e1vaj\u00ed p\u0159ednost \u017eivotu v pohybu. Jak ale z\u00edskat vlastn\u00ed bydlen\u00ed, a lze tohoto snu v dne\u0161n\u00ed dob\u011b v\u016fbec dos\u00e1hnout?Hypot\u00e9kaHypot\u00e9ka na bydlen\u00ed je v dne\u0161n\u00ed dob\u011b \u00fapln\u011b b\u011b\u017en\u00e1 v\u011bc. Je to zp\u016fsob, jak\u00fdm v\u011bt\u0161ina lid\u00ed \u0159e\u0161\u00ed financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Kdy\u017e si v\u0161ak spo\u010d\u00edt\u00e1me, kolik stoj\u00ed v dne\u0161n\u00ed dob\u011b nemovitosti, a jak n\u00e1ro\u010dn\u00e9 je hypot\u00e9ku z\u00edskat, znejist\u00edme. Je v dne\u0161n\u00ed dob\u011b v\u016fbec mo\u017en\u00e9 dos\u00e1hnout na hypot\u00e9ku, pokud je n\u00e1\u0161 p\u0159\u00edjem sotva pr\u016fm\u011brn\u00fd? Jde to, ale nebude to jen tak. Kolik mus\u00edm m\u00edt na\u0161et\u0159eno?Abyste z\u00edskali hypot\u00e9ku na koupi vlastn\u00ed nemovitosti, mus\u00edte m\u00edt ur\u010ditou \u010d\u00e1stku ji\u017e na\u0161et\u0159enou. V p\u0159\u00edpad\u011b bankovn\u00ed hypot\u00e9ky to b\u00fdv\u00e1 obvykle 20%, v p\u0159\u00edpad\u011b t\u00e9 nebankovn\u00ed asi tak 30%. Mo\u017en\u00e1 z toho pro v\u00e1s plyne, \u017ee z\u00edskat bankovn\u00ed hypot\u00e9ku bude snaz\u0161\u00ed, ale to jste na omylu.BonitaBanka nyn\u00ed za\u010dne prov\u011b\u0159ovat va\u0161i bonitu, tedy schopnost spl\u00e1cet. Mus\u00edte dolo\u017eit sv\u00e9 p\u0159\u00edjmy s potvrzen\u00edm od zam\u011bstnavatele, ve kter\u00e9m se bude posuzovat i to, jak dlouho u\u017e u n\u011bj pracujete, zda m\u00e1te pracovn\u00ed pom\u011br na dobu ur\u010ditou, \u010di neur\u010ditou, a zda s v\u00e1mi po\u010d\u00edt\u00e1 do budoucna. I tak v\u0161ak mo\u017en\u00e1 (tedy nejsp\u00ed\u0161) nebudou va\u0161e p\u0159\u00edjmy sta\u010dit. Nebankovn\u00ed spole\u010dnosti v tomto ohledu pak u\u017e tolik p\u0159\u00edsn\u00e9 nejsou, a posta\u010d\u00ed jim, kdy\u017e dok\u00e1\u017eete, \u017ee zvl\u00e1dnete hypot\u00e9ku spl\u00e1cet.Z\u00e1znam v registruM\u00e1te-li z\u00e1znam v registru, na bankovn\u00ed hypot\u00e9ku m\u016f\u017eete s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed zapomenout. U nebankovn\u00ed spole\u010dnosti to v\u0161ak takov\u00fd probl\u00e9m nebude.Pomoc p\u0159\u00e1tel, \u010di rodinyV p\u0159\u00edpad\u011b, \u017ee nem\u016f\u017eete dok\u00e1zat dostate\u010dn\u00e9 p\u0159\u00edjmy, \u010di nem\u00e1te na\u0161et\u0159eno dostatek pen\u011bz, m\u016f\u017ee pomoci rodina, \u010di p\u0159\u00e1tel\u00e9. Zkr\u00e1tka n\u011bkdo, kdo bude ochotn\u00fd se upsat jako spoludlu\u017en\u00edk, \u010di za v\u00e1s ru\u010dit svoj\u00ed vlastn\u00ed nemovitost\u00ed. Je to takov\u00e1 zkratka na cest\u011b k hypot\u00e9ce, kterou vyu\u017e\u00edv\u00e1 velk\u00e9 procento \u017eadatel\u016f.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde u\u0161et\u0159it, a kde vz\u00edt pen\u00edze na vlastn\u00ed bydlen\u00ed","item":"https:\/\/www.eosbn.cz\/kde-usetrit-a-kde-vzit-penize-na-vlastni-bydleni\/#breadcrumbitem"}]}]