[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zake.cz\/jit-si-za-svym\/#Article","mainEntityOfPage":"https:\/\/www.zake.cz\/jit-si-za-svym\/","headline":"J\u00edt si za sv\u00fdm","name":"J\u00edt si za sv\u00fdm","description":"Vezmeme-li tu skupinu a trouf\u00e1m si tvrdit, \u017ee je to ta v\u011bt\u0161\u00ed, kter\u00e1 tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed,...","datePublished":"2020-09-09","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_a308461_w2262_t1519550544.jpg","url":"https:\/\/www.zake.cz\/wp-content\/uploads\/img_a308461_w2262_t1519550544.jpg","height":0,"width":0},"url":"https:\/\/www.zake.cz\/jit-si-za-svym\/","wordCount":412,"articleBody":"Vezmeme-li tu skupinu a trouf\u00e1m si tvrdit, \u017ee je to ta v\u011bt\u0161\u00ed, kter\u00e1 tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, tak ji zase m\u016f\u017eeme rozd\u011blit na dv\u011b \u010d\u00e1sti. A to na ty, kte\u0159\u00ed cht\u011bj\u00ed \u017e\u00edt v byt\u011b a na ty, co si neum\u00ed p\u0159edstavit \u017eivot bez rodinn\u00e9ho domku nebo alespo\u0148 n\u011bjak\u00e9ho dvojdomku.Vzhledem k velice n\u00edzk\u00e9 \u00farokov\u00e9 sazb\u011b hypot\u00e9k, kter\u00e1 posledn\u00ed roky panuje, si ho velk\u00e9 mno\u017estv\u00ed t\u011bch, co vlastn\u00ed bydlen\u00ed cht\u011bj\u00ed, tak\u00e9 m\u016f\u017ee dovolit. \u00daroky se pohybuj\u00ed kolem dvou procent, ale za\u010d\u00ednaj\u00ed stoupat. A tak je tu je\u0161t\u011b posledn\u00ed \u0161ance po hypot\u00e9ce s\u00e1hnout. Zas tak jednoduch\u00e9 to ale tak\u00e9 nen\u00ed. \u010clov\u011bk mus\u00ed m\u00edt ur\u010ditou \u010d\u00e1st ceny nemovitosti na\u0161et\u0159enou, proto\u017ee 100% hypot\u00e9ku ji\u017e dnes nedostanete. Maximum je 90% a je to p\u0159\u00edpad od p\u0159\u00edpadu, proto\u017ee hodn\u011b bank se cuk\u00e1, ne\u017e v\u00e1m ji daj\u00ed, p\u0159\u00edpadn\u011b v\u00e1m ji nedaj\u00ed, proto\u017ee nejste dosti solventn\u00ed klient. V takov\u00e9m p\u0159\u00edpad\u011b se m\u016f\u017eete samoz\u0159ejm\u011b obr\u00e1tit na nebankovn\u00ed institut, kde v\u00e1m nejsp\u00ed\u0161e vyjdou vst\u0159\u00edc. Ale i to m\u00e1 sv\u00e1 jist\u00e1 rizika.N\u00edzk\u00e9 \u00farokov\u00e9 sazby s sebou p\u0159in\u00e1\u0161ej\u00ed n\u00e1r\u016fst cen nemovitost\u00ed a tak se z mnoha lid\u00ed, kte\u0159\u00ed si je\u0161t\u011b p\u0159ed 5-6 lety kupovali garsonku za p\u00e1r set tis\u00edc, stali milion\u00e1\u0159i, proto\u017ee by ji dnes prodali i za cenu dvojn\u00e1sobnou. Bydlen\u00ed je proto jednou z nejlep\u0161\u00edch investic, kter\u00e9 m\u016f\u017eete ud\u011blat. I kdyby p\u0159i\u0161la n\u011bjak\u00e1 krize, tak ceny mo\u017en\u00e1 neporostou a budou stagnovat, p\u0159\u00edpadn\u011b m\u00edrn\u011b klesnou, ale svoji hodnotu byt nikdy neztrat\u00ed. Snad jen v p\u0159\u00edpad\u011b v\u00e1lky, kdy by lehl popelem p\u0159i bombardov\u00e1n\u00ed.Pokud tedy ji\u017e bydl\u00edte ve vlastn\u00edm, zva\u017ete n\u00e1kup t\u0159eba men\u0161\u00edho bytu v dobr\u00e9 lokalit\u011b, kter\u00fd byste mohli pronaj\u00edmat a platili byste tak hypot\u00e9ku, kterou byste si na koupi museli vz\u00edt. Na z\u00e1v\u011br by v\u00e1s tak byt skoro nic nest\u00e1l a m\u011bli byste na d\u016fchod p\u0159\u00edjemn\u00e9 finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed.Jen nep\u0159ece\u0148ujte sv\u00e9 s\u00edly, co se spl\u00e1cen\u00ed t\u00fd\u010de. Kupujete-li byt pro sebe, zva\u017ete, kolik jste schopni spl\u00e1cet a jak velk\u00fd a drah\u00fd byt nebo d\u016fm si tak m\u016f\u017eete dovolit.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"J\u00edt si za sv\u00fdm","item":"https:\/\/www.zake.cz\/jit-si-za-svym\/#breadcrumbitem"}]}]