[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ok5.cz\/hura-do-vlastniho\/#Article","mainEntityOfPage":"https:\/\/www.ok5.cz\/hura-do-vlastniho\/","headline":"Hur\u00e1 do vlastn\u00edho","name":"Hur\u00e1 do vlastn\u00edho","description":"Koup\u011b domu \u010di bytu nen\u00ed jednoduch\u00e1 z\u00e1le\u017eitost, p\u0159edev\u0161\u00edm pokud nem\u00e1te v\u0161echny finance na opravu ze sv\u00e9ho, pak nen\u00ed zrovna jednoduch\u00e9 v sou\u010dasn\u00e9 dob\u011b pen\u00edze sehnat. Ale mo\u017enosti tu jsou. 1. Hypote\u010dn\u00ed \u00fav\u011br s \u010d\u00e1ste\u010dn\u00fdm financov\u00e1n\u00edm Pokud m\u00e1te n\u011bjak\u00e9 finance, m\u00e1te to jednodu\u0161\u0161\u00ed. V\u011bt\u0161inou je nutn\u00e9 m\u00edt aspo\u0148 10 \u2013 15 % financ\u00ed ze sv\u00e9ho a […]","datePublished":"2022-01-16","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.ok5.cz\/author\/#Person","name":"","url":"https:\/\/www.ok5.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ok5.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ok5.cz\/wp-content\/uploads\/pokladni%C4%8Dka_2.jpg","url":"https:\/\/www.ok5.cz\/wp-content\/uploads\/pokladni%C4%8Dka_2.jpg","height":0,"width":0},"url":"https:\/\/www.ok5.cz\/hura-do-vlastniho\/","about":["Finance"],"wordCount":396,"articleBody":"        Koup\u011b domu \u010di bytu nen\u00ed jednoduch\u00e1 z\u00e1le\u017eitost, p\u0159edev\u0161\u00edm pokud nem\u00e1te v\u0161echny finance na opravu ze sv\u00e9ho, pak nen\u00ed zrovna jednoduch\u00e9 v sou\u010dasn\u00e9 dob\u011b pen\u00edze sehnat. Ale mo\u017enosti tu jsou.1. Hypote\u010dn\u00ed \u00fav\u011br s \u010d\u00e1ste\u010dn\u00fdm financov\u00e1n\u00edmPokud m\u00e1te n\u011bjak\u00e9 finance, m\u00e1te to jednodu\u0161\u0161\u00ed. V\u011bt\u0161inou je nutn\u00e9 m\u00edt aspo\u0148 10 \u2013 15 % financ\u00ed ze sv\u00e9ho a zbytek dofinancuje banka. Samoz\u0159ejm\u011b \u010d\u00e1stky se m\u011bn\u00ed a v p\u0159\u00edpad\u011b v\u011bt\u0161\u00edho domu se \u010d\u00e1stka 10% m\u016f\u017ee rovnat i p\u016flce milionu korun. V dne\u0161n\u00ed dob\u011b je takov\u00fd obnos u mlad\u00fdch lid\u00ed sp\u00ed\u0161e v\u00fdjimkou, t\u00edm p\u00e1dem m\u00e1lokdy dos\u00e1hnou touto cestou na hypote\u010dn\u00ed \u00fav\u011br. Maj\u00ed ale je\u0161t\u011b mo\u017enosti jak si pomoci.\u00dav\u011br mohou dofinancovat jin\u00fdm produktem, stavebn\u00edm spo\u0159en\u00edm, st\u00e1tn\u00ed p\u016fj\u010dkou, spot\u0159ebitelskou p\u016fj\u010dkou a podobn\u00fdmi produkty. M\u00e1 to sv\u00e9 v\u00fdhody i nev\u00fdhody. V\u00fdhodou je to, \u017ee dos\u00e1hnete relativn\u011b snadno na bankovn\u00ed \u00fav\u011br, nev\u00fdhodou je to, \u017ee budete najednou spl\u00e1cet dv\u011b spl\u00e1tky a tak\u00e9 \u00farok bude dvoj\u00ed.2. Hypote\u010dn\u00ed \u00fav\u011br se zastaven\u00edm nemovitostiPokud m\u00e1te jinou nemovitost ne\u017e tu kterou kupujete, m\u00e1te mo\u017enost zastavit, pak zvednete hodnotu z\u00e1stavy a t\u00edm p\u00e1dem m\u016f\u017eete dos\u00e1hnout na vy\u0161\u0161\u00ed hypote\u010dn\u00ed \u00fav\u011br. Ten se v\u00e1m bude hodit v p\u0159\u00edpad\u011b rekonstrukce nemovitosti, proto\u017ee budete m\u00edt finance nav\u00edc. \u00dav\u011br se z\u00e1stavou nemovitosti nav\u00edc \u010dasto p\u0159in\u00e1\u0161\u00ed v\u00fdhodn\u011bj\u0161\u00ed \u00farok a t\u00edm p\u00e1dem i ni\u017e\u0161\u00ed spl\u00e1tku.Takzvan\u00e1 americk\u00e1 hypot\u00e9ka je dal\u0161\u00ed z mo\u017enost\u00ed, by\u0165 v\u011bt\u0161inou nedosahuje tak vysok\u00e9 \u010d\u00e1stky, jakou pro n\u00e1kup nemovitosti pot\u0159ebujeme. Nev\u00fdhodou je tak\u00e9 vy\u0161\u0161\u00ed \u00farok. V\u00fdhoda je ale tak\u00e9 nezanedbateln\u00e1. U tohoto typu \u00fav\u011bru toti\u017e nikdo ne\u0159e\u0161\u00ed, na co jej m\u00e1te. Spousta bank ale chce jistotu v podob\u011b z\u00e1stavy nemovitosti.3. Americk\u00e1 hypot\u00e9kaA\u0165 se rozhodnete n\u00e1kup va\u0161\u00ed nemovitosti financovat jakkoli, pamatujte v\u017edycky na to, abyste spr\u00e1vn\u011b nastavili spl\u00e1tky. Je dobr\u00e9 m\u00edt finan\u010dn\u00ed rezervu, abyste byli schopni spl\u00e1cet i v p\u0159\u00edpad\u011b n\u00e1hl\u00e9ho v\u00fdpadku p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hur\u00e1 do vlastn\u00edho","item":"https:\/\/www.ok5.cz\/hura-do-vlastniho\/#breadcrumbitem"}]}]