[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pcsa.cz\/ne-splnitelna-mise-bydleni-ve-vlastnim\/#Article","mainEntityOfPage":"https:\/\/www.pcsa.cz\/ne-splnitelna-mise-bydleni-ve-vlastnim\/","headline":"(Ne) splniteln\u00e1 mise bydlen\u00ed ve vlastn\u00edm","name":"(Ne) splniteln\u00e1 mise bydlen\u00ed ve vlastn\u00edm","description":"V ur\u010dit\u00e9m v\u011bku u\u017e \u010dlov\u011bk c\u00edt\u00ed, \u017ee by se r\u00e1d postavil na vlastn\u00ed nohy, zalo\u017eil si rodinu, a vybudoval vlastn\u00ed … ","datePublished":"2022-04-29","dateModified":"2022-04-29","author":{"@type":"Person","@id":"https:\/\/www.pcsa.cz\/author\/#Person","name":"","url":"https:\/\/www.pcsa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pcsa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/vw-beetle-405876_640_1.jpg","url":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/vw-beetle-405876_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.pcsa.cz\/ne-splnitelna-mise-bydleni-ve-vlastnim\/","about":["Internet"],"wordCount":491,"articleBody":"       V ur\u010dit\u00e9m v\u011bku u\u017e \u010dlov\u011bk c\u00edt\u00ed, \u017ee by se r\u00e1d postavil na vlastn\u00ed nohy, zalo\u017eil si rodinu, a vybudoval vlastn\u00ed domov. Bydlen\u00ed u rodi\u010d\u016f je jist\u011b snadn\u00e9, a pohodln\u00e9, av\u0161ak mnohdy se najdou rozd\u00edly v n\u00e1zorech na \u017eivot, hospoda\u0159en\u00ed, nebo jin\u00e9 d\u016fle\u017eit\u00e9 v\u011bci, a pak je t\u0159eba hledat v\u00fdchodisko. Koupit v\u0161ak vlastn\u00ed d\u016fm nen\u00ed v dne\u0161n\u00ed dob\u011b nic snadn\u00e9ho. Ceny nemovitost\u00ed st\u00e1le rostou, a n\u00e1roky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky v bance se zdaj\u00ed b\u00fdt nere\u00e1ln\u00e9. Co v\u0161echno tedy m\u016f\u017eete ud\u011blat pro to, abyste kone\u010dn\u011b mohli \u017e\u00edt dle sv\u00e9ho?Bez pen\u011bz to nejdePen\u00edze jsou z\u00e1kladn\u00edm stavebn\u00edm kamenem spokojen\u00e9ho \u017eivota. Pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky tak mus\u00edme m\u00edt n\u011bco na\u0161et\u0159eno, obvykle asi tak 30% ceny nemovitosti. To ov\u0161em nesta\u010d\u00ed. Dal\u0161\u00edm d\u016fle\u017eit\u00fdm bodem jsou p\u0159\u00edjmy. A m\u00edt takov\u00e9 p\u0159\u00edjmy, aby v\u00e1m banka poskytla hypot\u00e9ku na nemovitost, kterou si p\u0159ejete koupit, je pro mnoho mlad\u00fdch lid\u00ed nere\u00e1ln\u00e9. Pro za\u010d\u00e1tek je tedy dobr\u00e9 zjistit, zda m\u00e1te ve sv\u00e9m bl\u00edzk\u00e9m okol\u00ed n\u011bkoho, kdo by v\u00e1m pomohl. Pomoc\u00ed se samoz\u0159ejm\u011b nerozum\u00ed to, \u017ee by spl\u00e1cel za v\u00e1s, ale t\u0159eba by v\u00e1m mohl ru\u010dit svoj\u00ed nemovitost\u00ed. K tomuto kroku je v\u0161ak pot\u0159ebn\u00e1 jist\u00e1 m\u00edra d\u016fv\u011bry, a proto se zaru\u010d\u00ed obvykle nejsp\u00ed\u0161 rodi\u010de. I tak v\u0161ak va\u0161e p\u0159\u00edjmy nemus\u00ed bance sta\u010dit na to, aby v\u00e1m poskytla dostate\u010dnou sumu, a pak je nejlep\u0161\u00ed porozhl\u00e9dnout se po dobr\u00e9 nebankovn\u00ed hypot\u00e9ce Hypotekybezregistru. Nejedn\u00e1 se o \u017e\u00e1dnou lichvu, ale o p\u016fj\u010dku u nebankovn\u00ed spole\u010dnosti, jej\u00ed\u017e podm\u00ednky nejsou natolik p\u0159\u00edsn\u00e9, jako ty v bance. Nap\u0159\u00edklad spole\u010dnost Hypot\u00e9ky bez registru nab\u00edz\u00ed hypot\u00e9ky a\u017e na 30 let, bez slo\u017eit\u00e9ho pap\u00edrov\u00e1n\u00ed, mo\u017enost\u00ed n\u00edzk\u00fdch spl\u00e1tek, a dokonce s toleranc\u00ed ni\u017e\u0161\u00edch p\u0159\u00edjm\u016f, nebo z\u00e1znam\u016f v registru. Levn\u011bj\u0161\u00ed formy bydlen\u00edA\u010dkoliv z\u00edskat hypot\u00e9ku do jist\u00e9 m\u00edry p\u016fjde, ur\u010dit\u011b si ka\u017ed\u00fd nem\u016f\u017ee dovolit p\u016fj\u010dit tolik pen\u011bz, aby si koupil pozemek, a nechal vystav\u011bt nov\u00fd d\u016fm, nebo si po\u0159\u00eddit d\u016fm v bezvadn\u00e9m stavu. I v takov\u00fdch p\u0159\u00edpadech se ale d\u00e1 pokra\u010dovat. Spousta lid\u00ed to \u0159e\u0161\u00ed tak, \u017ee si koup\u00ed d\u016fm vhodn\u00fd k rekonstrukci, a postupem \u010dasu si jej opravuj\u00ed, a\u010dkoliv v n\u011bm u\u017e t\u0159eba \u017eij\u00ed. Jindy se zase nab\u00edz\u00ed mo\u017enost po\u0159\u00edzen\u00ed mobiln\u00edch dom\u016f, kter\u00e9 jsou levn\u011bj\u0161\u00ed, ale rovn\u011b\u017e u\u017e ur\u010deny k celoro\u010dn\u00edmu bydlen\u00ed d\u00edky kvalitn\u00edmu zateplen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  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