[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.woby.cz\/dostante-svoje-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.woby.cz\/dostante-svoje-bydleni\/","headline":"Dosta\u0148te svoje bydlen\u00ed","name":"Dosta\u0148te svoje bydlen\u00ed","description":"Za ml\u00e1d\u00ed na\u0161ich prarodi\u010d\u016f a i rodi\u010d\u016f st\u00e1t podporoval z\u00edsk\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Kdo se v podniku upsal na n\u011bjakou dobu k zam\u011bstn\u00e1n\u00ed, dostal byt za sm\u011b\u0161n\u00e9 pen\u00edze. Dnes nic takov\u00e9ho neexistuje, st\u00e1t u\u017e ani neposkytuje v\u00fdhodn\u00e9 p\u016fj\u010dky novoman\u017eel\u016fm, a kdo chce bydlet ve vlastn\u00edm, m\u00e1 se co oh\u00e1n\u011bt. Dos\u00e1hnout na vlastn\u00ed bydlen\u00ed nen\u00ed jednoduch\u00e9, a &hellip; <a href=\"https:\/\/www.woby.cz\/dostante-svoje-bydleni\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Dosta\u0148te svoje bydlen\u00ed<\/span><\/a>","datePublished":"2024-01-21","dateModified":"2024-01-21","author":{"@type":"Person","@id":"https:\/\/www.woby.cz\/author\/#Person","name":"","url":"https:\/\/www.woby.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/325464d7e09ffe52889ba6983accc5cdb65d0a54acd9a25cd7e409bd3eba713a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/325464d7e09ffe52889ba6983accc5cdb65d0a54acd9a25cd7e409bd3eba713a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"woby.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.woby.cz\/wp-content\/uploads\/house-1836070_640_10_10_10_10_8.jpg","url":"https:\/\/www.woby.cz\/wp-content\/uploads\/house-1836070_640_10_10_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.woby.cz\/dostante-svoje-bydleni\/","about":["Finance"],"wordCount":418,"articleBody":"   Za ml\u00e1d\u00ed na\u0161ich prarodi\u010d\u016f a i rodi\u010d\u016f st\u00e1t podporoval z\u00edsk\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Kdo se v podniku upsal na n\u011bjakou dobu k zam\u011bstn\u00e1n\u00ed, dostal byt za sm\u011b\u0161n\u00e9 pen\u00edze. Dnes nic takov\u00e9ho neexistuje, st\u00e1t u\u017e ani neposkytuje v\u00fdhodn\u00e9 p\u016fj\u010dky novoman\u017eel\u016fm, a kdo chce bydlet ve vlastn\u00edm, m\u00e1 se co oh\u00e1n\u011bt. Dos\u00e1hnout na vlastn\u00ed bydlen\u00ed nen\u00ed jednoduch\u00e9, a kdo chce bydlet v dom\u011b \u010di byt\u011b, m\u00e1 v\u011bt\u0161inou jen p\u00e1r mo\u017enost\u00ed.Zd\u011bdit d\u016fm nebo pen\u00edzeVyhr\u00e1t v loteriiVyd\u011bl\u00e1vat spoustu pen\u011bzVz\u00edt si hypot\u00e9kuDrtiv\u00e1 v\u011bt\u0161ina lid\u00ed si mus\u00ed hypot\u00e9ku vz\u00edt, ale ani ta u\u017e nen\u00ed dostupn\u00e1 v\u0161em. Je\u0161t\u011b p\u0159ed p\u00e1r lety ji dostal t\u00e9m\u011b\u0159 ka\u017ed\u00fd. Banky dokonce poskytovaly hypot\u00e9ky o 100 %, ale to je u\u017e minulost. \u010cesk\u00e1 n\u00e1rodn\u00ed banka zp\u0159\u00edsnila podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky, a pro mnoho lid\u00ed se tak vlastn\u00ed bydlen\u00ed stalo je\u0161t\u011b nedostupn\u011bj\u0161\u00ed.Jak z\u00edskat hypot\u00e9ku? Pokud si u banky \u017e\u00e1d\u00e1te o hypot\u00e9ku, Baka si vy\u017e\u00e1d\u00e1 ve\u0161ker\u00e9 va\u0161e p\u0159\u00edjmy a v\u00fddaje a sama si zjist\u00ed, zda jste n\u011bkdy byli v exekuci \u010di insolvenci a zda va\u0161e jm\u00e9no nefiguruje v n\u011bkter\u00e9m ze seznamu dlu\u017en\u00edk\u016f. Pokud ano, hypot\u00e9ku automaticky nedostanete. D\u016fle\u017eit\u00fd je pom\u011br p\u0159\u00edjm\u016f a v\u00fddaj\u016f, a pokud m\u00e1te \u00fav\u011br t\u0159eba na auto, nejsp\u00ed\u0161 hypot\u00e9ku tak\u00e9 nedostanete. Dnes mus\u00edte m\u00edt naspo\u0159enou pom\u011brnou \u010d\u00e1st v\u016f\u010di \u010d\u00e1stce kterou si chcete p\u016fj\u010dit, a v\u011bt\u0161inou jde o 20 %. Pokud chcete milion, mus\u00edte m\u00edt 200 tis\u00edc korun sv\u00fdch. V p\u0159\u00edpad\u011b rekonstrukce mus\u00edte m\u00edt nemovitost k oprav\u011b a nebo pro v\u00fdstavbu nov\u00e9ho domu mus\u00edte m\u00edt bu\u010f naspo\u0159eno a nebo stavebn\u00ed pozemek.Proto\u017ee do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek, pro mnoho lid\u00ed byla jedinou cestou nebankovn\u00ed hypot\u00e9ka, kter\u00e1 funguje trochu jinak ne\u017e ta klasick\u00e1. D\u016fle\u017eit\u00e9 je si vz\u00edt hypot\u00e9ku za takov\u00fdch podm\u00ednek, abyste ji byli schopni spl\u00e1cet. Pokud nedok\u00e1\u017eete posoudit svou finan\u010dn\u00ed situaci, obra\u0165te se na n\u011bkoho, kdo v\u00e1m pom\u016f\u017ee situaci analyzovat ve v\u00e1\u0161 prosp\u011bch, abyste se vyhnuli nep\u0159\u00edjemnostem.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dosta\u0148te svoje bydlen\u00ed","item":"https:\/\/www.woby.cz\/dostante-svoje-bydleni\/#breadcrumbitem"}]}]