[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tizon.cz\/kdyz-si-chcete-koupit-dum-a-kolik-musite-mit-nasetreno\/#Article","mainEntityOfPage":"https:\/\/www.tizon.cz\/kdyz-si-chcete-koupit-dum-a-kolik-musite-mit-nasetreno\/","headline":"Kdy\u017e si chcete koupit d\u016fm, a kolik mus\u00edte m\u00edt na\u0161et\u0159eno","name":"Kdy\u017e si chcete koupit d\u016fm, a kolik mus\u00edte m\u00edt na\u0161et\u0159eno","description":"Dok\u00e1\u017eete-li si p\u0159edstavit sv\u016fj \u017eivot na jednom m\u00edst\u011b, nejl\u00e9pe s rodinou, a t\u0159eba i pejskem na zahrad\u011b, je pro v\u00e1s koup\u011b nemovitosti tou nejlep\u0161\u00ed mo\u017enou investic\u00ed. Kde ale na koupi domu vz\u00edt? V\u011bt\u0161ina mlad\u00fdch lid\u00ed jen t\u011b\u017eko stihne p\u00e1r let po \u0161kole na\u0161et\u0159it tolik pen\u011bz, aby za n\u011b klidn\u011b koupili hezk\u00fd dome\u010dek, a tak se […]","datePublished":"2022-05-30","dateModified":"2022-05-30","author":{"@type":"Person","@id":"https:\/\/www.tizon.cz\/author\/#Person","name":"","url":"https:\/\/www.tizon.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tizon.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tizon.cz\/wp-content\/uploads\/credit-cards-1583534_640_1.jpg","url":"https:\/\/www.tizon.cz\/wp-content\/uploads\/credit-cards-1583534_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.tizon.cz\/kdyz-si-chcete-koupit-dum-a-kolik-musite-mit-nasetreno\/","about":["Internet"],"wordCount":446,"articleBody":"   Dok\u00e1\u017eete-li si p\u0159edstavit sv\u016fj \u017eivot na jednom m\u00edst\u011b, nejl\u00e9pe s rodinou, a t\u0159eba i pejskem na zahrad\u011b, je pro v\u00e1s koup\u011b nemovitosti tou nejlep\u0161\u00ed mo\u017enou investic\u00ed. Kde ale na koupi domu vz\u00edt? V\u011bt\u0161ina mlad\u00fdch lid\u00ed jen t\u011b\u017eko stihne p\u00e1r let po \u0161kole na\u0161et\u0159it tolik pen\u011bz, aby za n\u011b klidn\u011b koupili hezk\u00fd dome\u010dek, a tak se za\u010dnou nad\u011bj\u00ed v o\u010d\u00edch, a sny po kaps\u00e1ch, za\u010dnou hledat \u0159e\u0161en\u00ed v podob\u011b hypot\u00e9ky. Jak to ale s takovou hypot\u00e9kou vypad\u00e1, a jak ji m\u016f\u017eete z\u00edskat?Cena nemovitosti, a v\u00fd\u0161e \u00fav\u011bruVyhl\u00e9dli jste si nemovitost, a napadlo v\u00e1s, \u017ee byste za\u017e\u00e1dali o p\u016fj\u010dku v pln\u00e9 v\u00fd\u0161i? Pak nejsp\u00ed\u0161 budete zklam\u00e1ni, jeliko\u017e nic jako 100% hypot\u00e9ka neexistuje. Pro\u010d? Je to jednoduch\u00e9. Pokud si p\u016fj\u010dujete pen\u00edze na nemovitost, je takov\u00fdm p\u0159edpokladem, \u017ee pr\u00e1v\u011b tou nemovitost\u00ed budete ru\u010dit. Je tedy pot\u0159eba, aby alespo\u0148 \u010d\u00e1st financov\u00e1n\u00ed poch\u00e1zela pr\u00e1v\u011b z va\u0161\u00ed kapsy. U bankovn\u00edch spole\u010dnost\u00ed pak m\u016f\u017eete z\u00edskat \u00fav\u011br a\u017e do v\u00fd\u0161e 80% na koupi nemovitosti, u nebankovn\u00edch pak obvykle mezi 50-70%. Minim\u00e1ln\u011b 20% tedy mus\u00edte d\u00e1t ze sv\u00fdch \u00faspor. V p\u0159\u00edpad\u011b, \u017ee si tedy chcete koupit d\u016fm v cen\u011b 5 milion\u016f, mus\u00edte m\u00edt alespo\u0148 jeden milion na\u0161et\u0159en\u00fd, co\u017e je v dne\u0161n\u00ed dob\u011b celkem probl\u00e9m. M\u016f\u017eete si samoz\u0159ejm\u011b koupit i nemovitost v ni\u017e\u0161\u00ed cenov\u00e9 kategorii, v takov\u00e9m p\u0159\u00edpad\u011b v\u0161ak p\u016fjde bu\u010f o d\u016fm ur\u010den\u00fd k rekonstrukci, nebo garsonku. P\u0159\u00edjmyPokud jste si do te\u010f mysleli, \u017ee cesta bankovn\u00ed hypot\u00e9ky bude snadn\u011bj\u0161\u00ed, pr\u00e1v\u011b kv\u016fli ni\u017e\u0161\u00ed v\u00fd\u0161i po\u017eadovan\u00fdch \u00faspor, mo\u017en\u00e1 tro\u0161ku naraz\u00edte. Mimo \u00faspor toti\u017e budete prokazovat sv\u00e9 p\u0159\u00edjmy, a pokud nejste bohat\u00fd podnikatel, nebo \u0159editel n\u011bjak\u00e9 v\u011bt\u0161\u00ed firmy, na vysokou hypot\u00e9ku zkr\u00e1tka nedos\u00e1hnete. U nebankovn\u00edch spole\u010dnost\u00ed pak p\u0159\u00edjmy nejsou posuzov\u00e1ny tak p\u0159\u00edsn\u011b, a posta\u010d\u00ed, kdy\u017e budete schopni spl\u00e1cet.Berli\u010dkaPomocnou berli\u010dkou v\u00e1m pak mohou b\u00fdt t\u0159eba rodi\u010de, \u010di jin\u00e1 bl\u00edzk\u00e1 rodina, zkr\u00e1tka n\u011bkdo, kdo v\u00e1m s \u017e\u00e1dost\u00ed o p\u016fj\u010dku pom\u016f\u017ee. Mohou v\u00e1m t\u0159eba ru\u010dit vlastn\u00ed nemovitost\u00ed, nebo se upsat jako spoludlu\u017en\u00edk, \u010d\u00edm\u017e v\u00e1m pomohou z\u00edskat hypot\u00e9ku i v p\u0159\u00edpad\u011b, \u017ee jsou va\u0161e p\u0159\u00edjmy nedosta\u010duj\u00edc\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e si chcete koupit d\u016fm, a kolik mus\u00edte m\u00edt na\u0161et\u0159eno","item":"https:\/\/www.tizon.cz\/kdyz-si-chcete-koupit-dum-a-kolik-musite-mit-nasetreno\/#breadcrumbitem"}]}]