[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.molekul.cz\/financovani-vlastniho-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.molekul.cz\/financovani-vlastniho-bydleni\/","headline":"Financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed","name":"Financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed","description":"Mnoho lid\u00ed nebav\u00ed platit drah\u00e9 n\u00e1jmy a uva\u017euje tak o po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Ne ka\u017ed\u00fd ale zn\u00e1 v\u0161echny mo\u017enosti, jak toho doc\u00edlit, kdy\u017e je jedna varianta nedostupn\u00e1. Jak\u00e9 jsou tedyP\u0159e\u010d\u00edst","datePublished":"2019-07-13","dateModified":"2019-07-13","author":{"@type":"Person","@id":"https:\/\/www.molekul.cz\/author\/#Person","name":"","url":"https:\/\/www.molekul.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"molekul.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.molekul.cz\/wp-content\/uploads\/img_a349723_w2787_t1564830020.jpg","url":"https:\/\/www.molekul.cz\/wp-content\/uploads\/img_a349723_w2787_t1564830020.jpg","height":0,"width":0},"url":"https:\/\/www.molekul.cz\/financovani-vlastniho-bydleni\/","wordCount":483,"articleBody":"Mnoho lid\u00ed nebav\u00ed platit drah\u00e9 n\u00e1jmy a uva\u017euje tak o po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed. Ne ka\u017ed\u00fd ale zn\u00e1 v\u0161echny mo\u017enosti, jak toho doc\u00edlit, kdy\u017e je jedna varianta nedostupn\u00e1. Jak\u00e9 jsou tedy z\u00e1kladn\u00ed mo\u017enosti financov\u00e1n\u00ed bydlen\u00ed?\tTou asi nejv\u00edce v\u00fdhodnou mo\u017enost\u00ed je ta, kter\u00e1 ka\u017ed\u00e9ho napadne jako prvn\u00ed \u2013 hypot\u00e9ka. Hypote\u010dn\u00ed \u00fav\u011br mus\u00ed b\u00fdt v\u017edy zaji\u0161t\u011bn nemovitost\u00ed a \u017e\u00e1dat o ni m\u016f\u017ee ten, kdo m\u00e1 ji\u017e n\u011bco naspo\u0159eno. Zpravidla se jedn\u00e1 o 10 \u2013 20 % hodnoty p\u016fj\u010dky. V\u00fdhoda t\u00e9to mo\u017enosti financov\u00e1n\u00ed tkv\u00ed p\u0159edev\u0161\u00edm v\u00a0n\u00edzk\u00fdch \u00farokov\u00fdch sazb\u00e1ch a spl\u00e1cen\u00edm rozlo\u017een\u00e9m na del\u0161\u00ed dobu, tak\u017ee m\u011bs\u00ed\u010dn\u00ed vyd\u00e1n\u00ed nemus\u00ed b\u00fdt nijak zvl\u00e1\u0161\u0165 p\u0159emr\u0161t\u011bn\u00e9. Nav\u00edc placen\u00e9 \u00faroky pat\u0159\u00ed mezi da\u0148ov\u011b uznateln\u00e9 n\u00e1klady, kter\u00e9 si lze ka\u017ed\u00fd rok ode\u010d\u00edst od z\u00e1kladu dan\u011b. Dal\u0161\u00ed v\u00fdhodou je tak\u00e9 mo\u017enost bezplatn\u00e9ho splacen\u00ed \u00fav\u011bru na konci fixa\u010dn\u00edho obdob\u00ed, kter\u00e9 m\u00e1 ka\u017ed\u00fd stanoveno jinak a zpravidla se pohybuje mezi 1, 3, 5 nebo 10 lety. Nev\u00fdhodou je vy\u0161\u0161\u00ed administrativn\u00ed n\u00e1ro\u010dnost, proto\u017ee proces vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti je velmi zdlouhav\u00fd.\tDruhou mo\u017enost\u00ed je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed, kter\u00fd je ale vhodn\u00fd pouze pro ty, kte\u0159\u00ed ho maj\u00ed uzav\u0159en\u00fd alespo\u0148 2 roky. V\u00fdhodou je tady to, \u017ee je garantov\u00e1na stejn\u00e1 \u00farokov\u00e1 v\u00fd\u0161e po celou dobu spl\u00e1cen\u00ed a tak\u00e9 to, \u017ee je mo\u017en\u00e9 \u010derpat st\u00e1tn\u00ed podporu. Nev\u00fdhodou je vysok\u00e1 m\u00edra naspo\u0159en\u00fdch prost\u0159edk\u016f, kter\u00e1 se pohybuje od 35 do 50 % z\u00a0celkov\u00e9 \u010d\u00e1stky. Tak\u00e9 je zde nutn\u00e9 platit 1 % ze vstupn\u00edho poplatku, kter\u00fd se odv\u00edj\u00ed od c\u00edlov\u00e9 \u010d\u00e1stky.\tDal\u0161\u00ed mo\u017enost\u00ed je standardn\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br, co\u017e je ale nejm\u00e9n\u011b v\u00fdhodn\u00e1 varianta financov\u00e1n\u00ed nemovitosti. Je to ta posledn\u00ed mo\u017enost, po kter\u00e9 lid\u00e9 sahaj\u00ed, kdy\u017e nedos\u00e1hnou na p\u0159edchoz\u00ed dv\u011b varianty a p\u0159esto si cht\u011bj\u00ed po\u0159\u00eddit vlastn\u00ed bydlen\u00ed. Snad jedinou v\u00fdhodou tohoto financov\u00e1n\u00ed je, \u017ee se pen\u00edze mohou pou\u017e\u00edt t\u00e9m\u011b\u0159 na cokoli. Nev\u00fdhodou je pak samoz\u0159ejm\u011b vysok\u00fd \u00farok a u \u010d\u00e1stek vy\u0161\u0161\u00edch ne\u017e 500\u00a0000 K\u010d tak\u00e9 nutnost ru\u010ditele.\t\tNovinkou od poloviny roku 2018 je potom st\u00e1tn\u00ed p\u016fj\u010dka zam\u011b\u0159en\u00e1 na mlad\u00e9 rodiny. Jej\u00ed v\u00fdhodou je velmi n\u00edzk\u00e1 \u00farokov\u00e1 sazba a ode\u010det 30\u00a0000 K\u010d za ka\u017ed\u00e9 narozen\u00e9 d\u00edt\u011b v\u00a0pr\u016fb\u011bhu spl\u00e1cen\u00ed p\u016fj\u010dky. Jej\u00ed nev\u00fdhodou je p\u0159\u00edli\u0161 mnoho omezen\u00ed, kter\u00fdmi p\u0159ekypuje. Je zde omezen\u00e1 maxim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky, p\u016fdn\u00ed rozloha nemovitosti, rodiny mus\u00ed m\u00edt na\u0161et\u0159eno alespo\u0148 20 % vlastn\u00ed p\u016fj\u010dky a b\u00fdt ve v\u011bku do 36 let.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed","item":"https:\/\/www.molekul.cz\/financovani-vlastniho-bydleni\/#breadcrumbitem"}]}]