{"id":186,"date":"2021-02-28T21:49:53","date_gmt":"2021-02-28T20:49:53","guid":{"rendered":"http:\/\/www.homeportal.cz\/moznosti-financovani-bydleni\/"},"modified":"2023-06-20T18:19:48","modified_gmt":"2023-06-20T16:19:48","slug":"moznosti-financovani-bydleni","status":"publish","type":"post","link":"https:\/\/www.homeportal.cz\/cs\/moznosti-financovani-bydleni\/","title":{"rendered":"Mo\u017enosti financov\u00e1n\u00ed bydlen\u00ed: nen\u00ed to jen hypot\u00e9ka"},"content":{"rendered":"

Pen\u00edze a jejich z\u00edsk\u00e1n\u00ed b\u00fdv\u00e1 p\u0159i v\u00fdb\u011bru
\nnemovitosti rozhoduj\u00edc\u00edm faktorem. A i kdy\u017e je st\u00e1le nej\u010dast\u011bj\u0161\u00ed volbou
\nhypot\u00e9ka od banky, nen\u00ed zdaleka jedinou. Mo\u017enosti financov\u00e1n\u00ed bydlen\u00ed jsou
\nr\u016fzn\u00e9 a n\u011bkter\u00e9 je mo\u017en\u00e9 z\u00edskat i bez na\u0161et\u0159en\u00fdch statis\u00edc\u016f. Stejn\u011b tak
\nmaj\u00ed ov\u0161em sv\u00e1 proti a je dobr\u00e9 je mezi sebou nejd\u0159\u00edve porovnat. A\u0165 kupujete byt nebo d\u016fm<\/a>,
\nobvykle bude pot\u0159eba investice, jakou lid\u00e9 b\u011b\u017en\u011b spl\u00e1c\u00ed i des\u00edtky let.<\/p>\n


\n<\/span><\/p>\n

Hypot\u00e9ka od banky je \u201estandardem\u201c<\/span><\/h2>\n

Spousta z\u00e1jemc\u016f se v p\u0159\u00edpad\u011b investov\u00e1n\u00ed
\nbydlen\u00ed obrac\u00ed na bankovn\u00ed domy, kter\u00e9 mnohdy nab\u00edz\u00ed dobr\u00e9 \u00farokov\u00e9 sazby a
\ndal\u0161\u00ed podm\u00ednky. V\u00fdm\u011bnou za zastavenou nemovitost um\u00ed p\u016fj\u010dit i vy\u0161\u0161\u00ed miliony K\u010d,
\nje ov\u0161em pot\u0159eba na\u0161et\u0159it dop\u0159edu alespo\u0148 10 % z kupn\u00ed ceny \u010di ru\u010dit jinou
\nnemovitost\u00ed<\/b>. Z\u00edskat hypot\u00e9ku od banky nen\u00ed samoz\u0159ejm\u00e9, m\u00e1 vcelku p\u0159\u00edsn\u00e1
\npravidla a asi nejv\u00edce ze v\u0161ech zkoum\u00e1 v\u00fd\u0161i p\u0159\u00edjm\u016f a jejich stabilitu, stejn\u011b
\njako finan\u010dn\u00ed minulost klienta.<\/span><\/p>\n

Financov\u00e1n\u00ed bydlen\u00ed ze stavebn\u00edho spo\u0159en\u00ed<\/span><\/h3>\n

I kdy\u017e se pen\u00edze ve \u201estavebku\u201c tolik
\nnezhodnot\u00ed, jde o produkt, kter\u00fd v\u00e1m d\u00e1 dobr\u00fd z\u00e1klad ke koupi nemovitosti<\/a>.
\nStavebn\u00ed spo\u0159itelna je schopna proinvestovat bydlen\u00ed i za miliony korun, stejn\u011b
\njako banka. Vy\u017eaduje v\u0161ak spln\u011bn\u00ed dvou podm\u00ednek<\/b>: 1) spo\u0159it u\u017e alespo\u0148 2
\nroky, a 2) m\u00edt na\u0161et\u0159eno min. 30 % (n\u011bkde 40) z c\u00edlov\u00e9 \u010d\u00e1stky spo\u0159en\u00ed. N\u00e1sledn\u011b
\nje mo\u017en\u00e9 \u017e\u00e1dat o v\u00edcero produkt\u016f, jimi\u017e budete financovat sv\u00e9 bydlen\u00ed:<\/span><\/p>\n

Hypot\u00e9ka ze stavebn\u00edho spo\u0159en\u00ed<\/h3>\n

Jedn\u00e1 se o stejn\u00fd produkt, jak\u00fd nab\u00edz\u00ed
\nbanka, a je tedy nutn\u00e9 zastavit nemovitost jako z\u00e1ruku pro p\u0159\u00edpad, \u017ee byste nezvl\u00e1dli
\nspl\u00e1cet. Podm\u00ednky b\u00fdvaj\u00ed podobn\u00e9, tak\u017ee hypot\u00e9kou ze stavebn\u00edho spo\u0159en\u00ed proinvestujete
\nbydlen\u00ed a\u017e do v\u00fd\u0161e 90 % kupn\u00ed ceny<\/b> a z\u00edsk\u00e1te p\u0159\u00edznivou \u00farokovou sazbu
\n(kolem 2 % p.a. za\u010d\u00e1tkem roku 2021). Ta m\u00edv\u00e1 n\u011bkolikaletou fixaci a m\u016f\u017ee b\u00fdt v
\npr\u016fb\u011bhu m\u011bn\u011bna stejn\u011b, jako tomu b\u00fdv\u00e1 u banky.<\/span><\/p>\n

\u0158\u00e1dn\u00fd \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/span><\/h3>\n

V tomto p\u0159\u00edpad\u011b jde o \u00fa\u010delovou p\u016fj\u010dku na bydlen\u00ed<\/a>,
\nkter\u00e1 m\u00e1 oproti hypot\u00e9k\u00e1m z\u00e1sadn\u00ed v\u00fdhodu \u2013 a sice pevn\u00fd \u00farok po celou dobu trv\u00e1n\u00ed<\/b>
\n\u2013 obvykle do 1 milionu K\u010d nav\u00edc nevy\u017eaduje ru\u010den\u00ed nemovitost\u00ed. \u010c\u00e1stka sta\u010d\u00ed
\nt\u0159eba na koupi pozemku v men\u0161\u00edm m\u011bst\u011b, nebo na n\u00e1klady spojen\u00e9 s rekonstrukc\u00ed.<\/span><\/p>\n

P\u0159eklenovac\u00ed \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/span><\/h3>\n

Pokud nespln\u00edte dv\u011b v\u00fd\u0161e zm\u00edn\u011bn\u00e9 podm\u00ednky,
\nm\u016f\u017ee b\u00fdt \u0159e\u0161en\u00edm je\u0161t\u011b tzv. p\u0159eklenovac\u00ed \u00fav\u011br, d\u00edky n\u011bmu\u017e zainvestujete bydlen\u00ed
\nprakticky hned. Po dobu jeho trv\u00e1n\u00ed je ov\u0161em nutn\u00e9 ob\u011b krit\u00e9ria splnit<\/b>,
\ntak\u017ee budete spl\u00e1cet jak p\u016fj\u010dku na nemovitost, tak spo\u0159en\u00ed. Rozpo\u010det to zat\u00ed\u017e\u00ed
\nmnohem v\u00edce a mus\u00edte tak uv\u00e1\u017eit, zda-li si to m\u016f\u017eete dovolit.<\/span><\/p>\n


\n<\/span><\/p>\n

St\u00e1tn\u00ed hypot\u00e9ka s v\u00fdhodn\u00fdmi \u00faroky<\/o_p><\/span><\/h2>\n

 <\/o_p><\/span><\/p>\n

Spln\u00edte-li ur\u010dit\u00e9 podm\u00ednky, pom\u016f\u017ee v\u00e1m s po\u0159\u00edzen\u00edm <\/a>bydlen\u00ed<\/a> St\u00e1tn\u00ed fond
\npodpory investic, kter\u00fd nab\u00edz\u00ed mlad\u00fdm p\u00e1r\u016fm a rodin\u00e1m hypot\u00e9ku se
\nzv\u00fdhodn\u011bnou sazbou 1 % p.a<\/b>. Ov\u0161em \u010d\u00e1stky jsou v z\u00e1vislosti na druhu
\nnemovitosti velmi omezen\u00e9, tak\u017ee je lze vyu\u017e\u00edt pouze v men\u0161\u00edch m\u011bstech.
\nSplatnost je nav\u00edc maxim\u00e1ln\u011b 20 let, co\u017e nemus\u00ed b\u00fdt pro ka\u017ed\u00e9ho \u00fanosn\u00e9.<\/span><\/p>\n

Kolik pen\u011bz v\u00e1m st\u00e1t p\u016fj\u010d\u00ed<\/span><\/h3>\n

I kdy\u017e st\u00e1t jednotliv\u00e9 \u010d\u00e1stky nav\u00fd\u0161il,
\nst\u00e1le nejsou dostate\u010dn\u00e9. A stejn\u011b jako u banky a stavebn\u00edch spo\u0159itelen plat\u00ed,
\n\u017ee st\u00e1tn\u00ed hypot\u00e9kou lze investovat bydlen\u00ed do 90 % ze sjednan\u00e9 ceny
\nnemovitosti.<\/span><\/p>\n

\u2022      <\/span><\/span>50
\n000 \u2013 600 000 K\u010d<\/b><\/span> na rekonstrukci (modernizaci bydlen\u00ed)<\/o_p><\/span><\/p>\n

\u2022      <\/b><\/span><\/span>a\u017e
\n2 miliony K\u010d<\/b><\/span> na po\u0159\u00edzen\u00ed bytu nebo dru\u017estevn\u00edho pod\u00edlu<\/o_p><\/span><\/p>\n

\u2022      <\/span><\/span>a\u017e
\n2,4 milionu K\u010d<\/b><\/span> na koupi nebo v\u00fdstavbu rodinn\u00e9ho domu<\/o_p><\/span><\/p>\n

 <\/o_p><\/span><\/p>\n

Jak\u00e9 jsou podm\u00ednky k z\u00edsk\u00e1n\u00ed<\/span><\/h3>\n

Jeliko\u017e jde o \u00fav\u011br pro mlad\u00e9, mus\u00edte k
\nuzn\u00e1n\u00ed \u017e\u00e1dosti o st\u00e1tn\u00ed hypot\u00e9ku spl\u0148ovat p\u00e1r podm\u00ednek, a sou\u010dasn\u011b nesm\u00edte
\nvlastnit nebo spoluvlastnit obydl\u00ed<\/b> (d\u016fm, byt atd.), a to ani na z\u00e1klad\u011b
\ndru\u017estevn\u00edho pod\u00edlu. D\u00e1le pak \u017eadatel\u00e9 mus\u00ed:<\/span><\/p>\n

\u2022      <\/span><\/span>b\u00fdt
\nv man\u017eelstv\u00ed nebo registrovan\u00e9m partnerstv\u00ed, a alespo\u0148 jednomu z v\u00e1s b\u00fdt do 40
\nlet<\/o_p><\/span><\/p>\n

\u2022      <\/span><\/span>b\u00fdt
\nsamo\u017eivitel\/ka do 40 let, co pe\u010duje o d\u00edt\u011b ve v\u011bku do 15 let<\/o_p><\/span><\/p>\n

\u2022      <\/span><\/span>m\u00edt
\nna\u0161et\u0159eno alespo\u0148 20 % z kupn\u00ed ceny nemovitosti<\/o_p><\/span><\/p>\n

 <\/o_p><\/span><\/p>\n

Nebankovn\u00ed p\u016fj\u010dka k financov\u00e1n\u00ed bydlen\u00ed<\/span><\/h2>\n

Alternativou mohou b\u00fdt tak\u00e9 produkty od
\nnebankovn\u00edch spole\u010dnost\u00ed, u nich\u017e se klienti obvykle setkaj\u00ed s m\u00edrn\u011bj\u0161\u00edm
\nprocesem posuzov\u00e1n\u00ed \u2013 \u0161anci na z\u00edsk\u00e1n\u00ed tak maj\u00ed i lid\u00e9 s ni\u017e\u0161\u00edmi p\u0159\u00edjmy nebo
\nn\u011bjak\u00fdm proh\u0159e\u0161kem z minulosti. I kdy\u017e b\u00fdvaj\u00ed \u00faroky i RPSN o procento nebo
\ndv\u011b vy\u0161\u0161\u00ed, je st\u00e1le mo\u017en\u00e9 z\u00edskat na koupi bytu nebo domu<\/a>
\nvcelku p\u0159\u00edzniv\u00e9 podm\u00ednky. Na \u010desk\u00e9m trhu p\u016fsob\u00ed pouze p\u00e1r nebankovn\u00edch
\nspole\u010dnost\u00ed, co um\u00ed proinvestovat bydlen\u00ed i za n\u011bkolik milion\u016f.<\/span><\/p>\n


\n<\/span><\/p>\n

Americk\u00e1 hypot\u00e9ka, kdy\u017e nen\u00ed zbyt\u00ed<\/span><\/h2>\n

Pokud v\u0161echny v\u00fd\u0161e zm\u00edn\u011bn\u00e9 mo\u017enosti sel\u017eou,
\nlze z\u00edskat je\u0161t\u011b tzv. americkou hypot\u00e9ku, u n\u00ed\u017e nemus\u00edte dokl\u00e1dat \u00fa\u010del vyu\u017eit\u00ed.
\nZejm\u00e9na banky poskytnou \u010d\u00e1stky i ve vy\u0161\u0161\u00edch milionech K\u010d, vy\u017eaduj\u00ed v\u0161ak
\nzaji\u0161t\u011bn\u00ed nemovitost\u00ed<\/b>. \u00dav\u011br mohou z\u00edskat i lid\u00e9 s hor\u0161\u00ed finan\u010dn\u00ed minulost\u00ed,
\nco\u017e je vykoupeno vy\u0161\u0161\u00ed \u00farokovou sazbou, RPSN, a n\u011bkdy i dal\u0161\u00edmi poplatky.
\nSplatnost p\u0159itom b\u00fdv\u00e1 nejv\u00fd\u0161e do 20 let.<\/span><\/p>\n

Abyste nemuseli situaci \u0159e\u0161it sami,
\nsrovn\u00e1me za v\u00e1s nab\u00eddky financov\u00e1n\u00ed bydlen\u00ed od v\u0161ech velk\u00fdch bank a stavebn\u00edch
\nspo\u0159itelen na \u010desk\u00e9m trhu, a pom\u016f\u017eeme v\u00e1m vyjednat nejlep\u0161\u00ed mo\u017en\u00e9 podm\u00ednky<\/b>.
\nV p\u0159\u00edpad\u011b, \u017ee si nejste n\u011b\u010d\u00edm jisti, provedeme v\u00e1s celou koup\u00ed nemovitosti<\/a> krok za
\nkrokem a zajist\u00edme kompletn\u00ed realitn\u00ed servis v\u010detn\u011b pr\u00e1vn\u00edch slu\u017eeb.<\/o_p><\/font><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Pen\u00edze a jejich z\u00edsk\u00e1n\u00ed b\u00fdv\u00e1 p\u0159i v\u00fdb\u011bru nemovitosti rozhoduj\u00edc\u00edm faktorem. A i kdy\u017e je st\u00e1le nej\u010dast\u011bj\u0161\u00ed volbou hypot\u00e9ka od banky, nen\u00ed zdaleka jedinou. Mo\u017enosti financov\u00e1n\u00ed bydlen\u00ed jsou r\u016fzn\u00e9 a n\u011bkter\u00e9 je mo\u017en\u00e9 z\u00edskat i bez na\u0161et\u0159en\u00fdch statis\u00edc\u016f. Stejn\u011b tak maj\u00ed ov\u0161em sv\u00e1 proti a je dobr\u00e9 je mezi sebou nejd\u0159\u00edve porovnat. A\u0165 kupujete byt nebo d\u016fm, obvykle bude pot\u0159eba investice, jakou lid\u00e9 b\u011b\u017en\u011b spl\u00e1c\u00ed i des\u00edtky let.<\/p>\n","protected":false},"author":1,"featured_media":517,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/186","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/comments?post=186"}],"version-history":[{"count":2,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/186\/revisions"}],"predecessor-version":[{"id":520,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/posts\/186\/revisions\/520"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/media\/517"}],"wp:attachment":[{"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/media?parent=186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/categories?post=186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.homeportal.cz\/cs\/wp-json\/wp\/v2\/tags?post=186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}