[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zake.cz\/druzstevni-byty\/#Article","mainEntityOfPage":"https:\/\/www.zake.cz\/druzstevni-byty\/","headline":"Dru\u017estevn\u00ed byty","name":"Dru\u017estevn\u00ed byty","description":"Zl\u00fd sen. Va\u0161e bonita nen\u00ed dostate\u010dn\u011b vysok\u00e1 na to, aby v\u00e1s banka p\u0159ijala jako klienta pro hypot\u00e9\u010dn\u00ed...","datePublished":"2016-11-12","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.zake.cz\/author\/#Person","name":"","url":"https:\/\/www.zake.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zake.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zake.cz\/wp-content\/uploads\/img_a278622_w4456_t1602477207.jpg","url":"https:\/\/www.zake.cz\/wp-content\/uploads\/img_a278622_w4456_t1602477207.jpg","height":0,"width":0},"url":"https:\/\/www.zake.cz\/druzstevni-byty\/","about":["Pen\u00edze"],"wordCount":444,"articleBody":"Zl\u00fd sen. Va\u0161e bonita nen\u00ed dostate\u010dn\u011b vysok\u00e1 na to, aby v\u00e1s banka p\u0159ijala jako klienta pro hypot\u00e9\u010dn\u00ed \u00fav\u011br. Z jak\u00e9ho d\u016fvodu se tohle stane? Banky v\u011bt\u0161inou ned\u00e1vaj\u00ed hypot\u00e9ky lidem s \u017eivnostensk\u00fdm listem, svobodn\u00fdm matk\u00e1m, nebo lidem, kte\u0159\u00ed p\u0159es\u00e1hli v\u011bkovou hranici pro hypot\u00e9ku pro takovou \u010d\u00e1stku. Rovn\u011b\u017e banka neposkytuje hypot\u00e9ky lidem, kte\u0159\u00ed ji\u017e jsou zapsan\u00ed v registru dlu\u017en\u00edk\u016f. Pokud se do takov\u00e9to situace dostanete, jak si m\u016f\u017eete jinak byt po\u0159\u00eddit? Existuje je\u0161t\u011b jedno \u0159e\u0161en\u00ed.Z n\u011bjak\u00e9ho d\u016fvodu v\u00edte, \u017ee v\u00e1m banka neotev\u0159e hypot\u00e9\u010dn\u00ed \u00fav\u011br, nebo sami v\u00edte, \u017ee si ho nem\u016f\u017eete dovolit. Ale tak\u00e9 nechcete bydlet v podn\u00e1jmu. Existuje \u0159e\u0161en\u00ed u\u017e od revoluce – na po\u010d\u00e1tku devades\u00e1t\u00fdch let se zrodilo to, \u010demu dnes \u0159\u00edk\u00e1me dru\u017estevn\u00ed bydlen\u00ed. Kdy je vhodn\u00e9 u dru\u017estevn\u00edho bytu uva\u017eovat? Jak prob\u00edh\u00e1 financov\u00e1n\u00ed a po\u0159\u00edzen\u00ed dru\u017estevn\u00edho bytu?Kdy\u017e nem\u00e1te na zaplacen\u00ed cel\u00e9 kupn\u00ed ceny nemovitosti, v tomto p\u0159\u00edpad\u011b bytov\u00e9 jednotky.Jak to funguje? –          Zaplat\u00edte \u010dlensk\u00fd vklad, kter\u00fd se rovn\u00e1 p\u0159ibli\u017en\u011b t\u0159iceti procent\u016fm ceny bytu–          Plat\u00edte m\u011bs\u00ed\u010dn\u011b p\u0159edem ur\u010denou \u010d\u00e1stku, ji\u017e naz\u00fdv\u00e1me n\u00e1jem–          Nikdo nebude posuzovat v\u011bk, v\u00e1\u0161 p\u0159\u00edjem nebo registr dlu\u017en\u00edk\u016fVe chv\u00edli, kdy formou n\u00e1jmu, kter\u00fd budete m\u011bs\u00ed\u010dn\u011b odv\u00e1d\u011bt dru\u017estvu, splat\u00edte, nemovitost bude automaticky p\u0159evedena do soukrom\u00e9ho vlastnictv\u00ed, a tedy bude v katastru zaps\u00e1no va\u0161e jm\u00e9no a v\u00e1\u0161 majetek.I v t\u00e9to alternativ\u011b v\u0161ak mus\u00edte m\u00edt alespo\u0148 \u010d\u00e1st vklad\u016f, kter\u00e1 b\u00fdv\u00e1 v\u011bt\u0161inou okolot\u0159iceti procent, zaplatit vy sami, a\u010dkoli jsou dru\u017estevn\u00ed byty v\u011bt\u0161inou levn\u011bj\u0161\u00ed,. T\u00edm se st\u00e1v\u00e1te \u010dlenem dru\u017estva. Ne\u017e byt pomoc\u00ed n\u00e1jemn\u00e9ho splat\u00edte, bude d\u016fm i s va\u0161\u00edm bytem bude vlastnit bytov\u00e9 dru\u017estvo. A i kdy\u017e se eventu\u00e1ln\u011b stanete vlastn\u00edky bytu, d\u016fm bude po\u0159\u00e1d vlastnit dru\u017estvo, kter\u00e9 rozhoduje o tom, zda m\u016f\u017eete d\u00e1t byt do podn\u00e1jmu, a tak\u00e9 o tom, jak vysok\u00e9 p\u0159\u00edsp\u011bvky budete platit na \u00fadr\u017ebu a opravu domu a spole\u010dn\u00fdch nebytov\u00fdch prostor.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dru\u017estevn\u00ed byty","item":"https:\/\/www.zake.cz\/druzstevni-byty\/#breadcrumbitem"}]}]