{"id":1203,"date":"2019-01-12T13:43:52","date_gmt":"2019-01-12T12:43:52","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1203"},"modified":"2020-02-05T20:21:05","modified_gmt":"2020-02-05T19:21:05","slug":"druzstevni-bydleni-ma-smysl","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/druzstevni-bydleni-ma-smysl\/","title":{"rendered":"Dru\u017estevn\u00ed bydlen\u00ed- m\u00e1 smysl?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Dru\u017estevn\u00ed bydlen\u00ed jako alternativa \u201evlastn\u00edho\u201c bydlen\u00ed bez hypot\u00e9ky<\/h2>\n\n\n\n<p><strong>Dru\u017estevn\u00ed bydlen\u00ed se za\u010d\u00edn\u00e1 znovu hojn\u011b objevovat v&nbsp;realitn\u00edch inzerc\u00edch i nab\u00eddk\u00e1ch n\u011bkter\u00fdch developersk\u00fdch projekt\u016f.<\/strong> Je to d\u00e1no tak\u00e9 p\u0159edev\u0161\u00edm regulacemi, kter\u00e9 \u010cNB zavedla p\u0159ed koncem minul\u00e9ho roku v&nbsp;oblasti posuzov\u00e1n\u00ed bonity \u017eadatele o \u00fav\u011br a \u201ezastropov\u00e1n\u00ed\u201c maxim\u00e1ln\u00ed mo\u017en\u00e9 v\u00fd\u0161e&nbsp; hypot\u00e9ky, o kterou m\u016f\u017eete jako klient po\u017e\u00e1dat.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p><strong>D\u00edky t\u011bmto zm\u011bn\u00e1m u\u017e na hypote\u010dn\u00ed \u00fav\u011br, obzvl\u00e1\u0161t\u011b ve velk\u00fdch m\u011bstech, n\u011bkte\u0159\u00ed klienti nedos\u00e1hnou a tak se hled\u00e1 alternativa, jak se k&nbsp;vlastn\u00edmu bydlen\u00ed dostat.<\/strong> (<a href=\"https:\/\/www.poptavamhypoteku.cz\/dti-a-dtsi-kalkulacky\/\">kalkula\u010dku v\u00fdpo\u010dtu bonity a informace o doporu\u010den\u00ed \u010cNB najdete v tomto odkazu<\/a>).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu.jpg\"><\/a>Co vlastn\u011b dru\u017estevn\u00ed bydlen\u00ed je a v&nbsp;\u010dem se li\u0161\u00ed od osobn\u00edho vlastnictv\u00ed?<\/h4>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu-1024x768.jpg\" alt=\"n\u00e1kup dru\u017estevn\u00edho pod\u00edlu\" class=\"wp-image-2116\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu-1024x768.jpg 1024w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu-300x225.jpg 300w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu-768x576.jpg 768w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu-1536x1152.jpg 1536w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu-600x450.jpg 600w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/12\/n\u00e1kup-dru\u017estevn\u00edho-pod\u00edlu.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p> <strong>V p\u0159\u00edpad\u011b osobn\u00edho vlastnictv\u00ed se st\u00e1v\u00e1te vlastn\u00edkem nemovitosti<\/strong>. <strong>U dru\u017estevn\u00edho bydlen\u00ed<\/strong> je vlastn\u00edkem nemovitosti bytov\u00e9 dru\u017estvo a vy se st\u00e1v\u00e1te jeho \u010dlenem. <strong>St\u00e1v\u00e1te se tak tedy majitelem dru\u017estevn\u00edho pod\u00edlu<\/strong> v bytov\u00e9m dru\u017estvu a m\u00e1te tak pr\u00e1vo u\u017e\u00edvat byt. <\/p>\n<\/div>\n<\/div>\n\n\n\n<p><strong>Spolu s poplatky za elekt\u0159inu, vodu, topen\u00ed a podobn\u011b pak dru\u017estvu spl\u00e1c\u00edte postupn\u011b i po\u0159izovac\u00ed hodnotu bytu. Po splacen\u00ed pak doch\u00e1z\u00ed k p\u0159evodu bytu do osobn\u00edho vlastnictv\u00ed.<\/strong> V\u00fdhodou dru\u017estevn\u00edho bydlen\u00ed je p\u0159edev\u0161\u00edm jeho v\u011bt\u0161\u00ed cenov\u00e1 dostupnost- p\u0159i podpisu smlouvy v\u00e1m sta\u010d\u00ed slo\u017eit \u010dlensk\u00fd vklad, kter\u00fd zpravidla odpov\u00edd\u00e1 <strong>20-30 % z hodnoty bytu<\/strong> a zbytek spl\u00e1c\u00edte v&nbsp;n\u00e1jemn\u00e9m (obdobn\u00e1 v\u00fd\u0161e, jako u hypot\u00e9ky).<\/p>\n\n\n\n<p><strong>V&nbsp;p\u0159\u00edpad\u011b koup\u011b dru\u017estevn\u00edho pod\u00edlu se neprov\u011b\u0159uje va\u0161e bonita<\/strong> ani se nedokl\u00e1daj\u00ed \u017e\u00e1dn\u00e9 v\u00fdpisy z&nbsp;\u00fa\u010dt\u016f ani jin\u00e9 doklady, jako tomu je u vy\u0159izov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru. Dal\u0161\u00ed v\u00fdhodou pak je, \u017ee m\u016f\u017eete snadno sv\u00e9 \u010dlenstv\u00ed v dru\u017estvu prodat t\u0159et\u00ed osob\u011b. Neplat\u00ed se zde \u017e\u00e1dn\u00e1 da\u0148 z nabyt\u00ed nemovit\u00fdch v\u011bc\u00ed a smlouva se ani nevkl\u00e1d\u00e1 do katastru nemovitost\u00ed.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>D\u00edky t\u011bmto v\u00fdhod\u00e1m (oproti bankovn\u00edmu \u00fav\u011bru) za\u010dali develope\u0159i ve v\u011bt\u0161\u00edm stav\u011bt dru\u017estevn\u00ed byty.<\/strong><\/p><\/blockquote>\n\n\n\n<p>Pr\u00e1v\u011b dru\u017estevn\u00ed bydlen\u00ed je vhodn\u00e9 pro ty z&nbsp;v\u00e1s, kte\u0159\u00ed z&nbsp;n\u011bjak\u00e9ho d\u016fvodu necht\u011bj\u00ed bance prokazovat sv\u016fj p\u0159\u00edjem nebo v\u00e1m \u0161patn\u011b vych\u00e1z\u00ed ukazatele DTI a DSTI.<\/p>\n\n\n\n<p><strong>Dru\u017estevn\u00ed bydlen\u00ed si nej\u010dast\u011bji po\u0159izuj\u00ed singles<\/strong> (po\u0159\u00edd\u00edte si tak v\u011bt\u0161\u00ed byt, ne\u017e na jak\u00fd byste dos\u00e1hli s&nbsp;hypot\u00e9kou), <strong>mlad\u00e9 rodiny<\/strong> (zpravidla na mate\u0159sk\u00e9; odklad \u017e\u00e1dosti o hypot\u00e9ku a\u017e na dobu po ukon\u010den\u00ed mate\u0159sk\u00e9), <strong>star\u0161\u00ed p\u00e1ry<\/strong> (\u017e\u00e1dost o hypot\u00e9ku je limitov\u00e1na v\u011bkem \u017eadatel\u016f) a <strong>OSV\u010c<\/strong> (u podnikatel\u016f zpravidla vych\u00e1z\u00ed hodn\u011b n\u00edzk\u00fd p\u0159\u00edjem v&nbsp;d\u016fsledku optimalizace da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed a t\u00edm je z\u00e1sadn\u011b st\u00ed\u017een\u00e9 schv\u00e1len\u00ed hypot\u00e9ky v&nbsp;po\u017eadovan\u00e9 v\u00fd\u0161i).<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<ul><li><strong>Nemus\u00edte prokazovat v\u00fd\u0161i sv\u00e9ho p\u0159\u00edjmu.<\/strong><\/li><li><strong>Byt si m\u016f\u017eete po\u0159\u00eddit v&nbsp;jak\u00e9mkoliv v\u011bku.<\/strong><\/li><li><strong>Nest\u00e1v\u00e1te se dlu\u017en\u00edkem.<\/strong><\/li><li><strong>Nemus\u00edte vyjedn\u00e1vat \u00farokovou sazbu.<\/strong><\/li><li><strong>Byt je mo\u017en\u00e9 p\u0159ev\u00e9st do osobn\u00edho vlastnictv\u00ed (developersk\u00e9 projekty s&nbsp;t\u00edmto po\u010d\u00edtaj\u00ed).<\/strong><\/li><li><strong>Plat\u00edte zpravidla ni\u017e\u0161\u00ed platby za slu\u017eby.<\/strong><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong><em>Jestli\u017ee nem\u00e1te vlastn\u00ed prost\u0159edky v&nbsp;dostate\u010dn\u00e9 v\u00fd\u0161i na \u00fahradu dru\u017estevn\u00edho pod\u00edlu, je mo\u017en\u00e9 tento vklad zafinancovat \u00fav\u011brem ze stavebn\u00edho spo\u0159en\u00ed a to a\u017e do \u010d\u00e1stky&nbsp; 800tis bez zaji\u0161t\u011bn\u00ed.<\/em><\/strong><\/p><\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\">Z\u00e1kladn\u00ed rozd\u00edly mezi osobn\u00edm vlastnictv\u00edm a dru\u017estevn\u00edm pod\u00edlem<\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>&nbsp;Byt v osobn\u00edm vlastnictv\u00ed<\/strong><\/h4>\n\n\n\n<ul><li>Va\u0161e vlastnictv\u00ed je zaps\u00e1no v katastru nemovitost\u00ed.<\/li><li>Byt m\u016f\u017eete kdykoliv a bez omezen\u00ed prodat.<\/li><li>P\u0159i koupi bytu je povinnost uhradit 4% da\u0148 z nabyt\u00ed.<\/li><li>Byt m\u016f\u017eete bez omezen\u00ed pronaj\u00edmat<\/li><li>Neplat\u00edte n\u00e1jem.<\/li><li>Za\u0159izujete si sami dod\u00e1vku energi\u00ed a plat\u00edte z\u00e1lohy + p\u0159\u00edpadn\u011b spl\u00e1tku hypot\u00e9ky, fond oprav apd.<\/li><li>Plat\u00edte da\u0148 z nemovitosti.<\/li><li>Byt m\u016f\u017eete vnit\u0159n\u011b upravovat i rekonstruovat.<\/li><li>V\u00e1\u0161 hlas v SVJ je d\u00e1n velikost\u00ed va\u0161eho bytu a pod\u00edlu na spole\u010dn\u00fdch \u010d\u00e1stech domu.<\/li><li>Za dluhy SVJ ru\u010d\u00edte v pom\u011bru velikosti sv\u00e9ho pod\u00edlu na spole\u010dn\u00fdch \u010d\u00e1stech domu.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>&nbsp;Dru\u017estevn\u00ed byt<\/strong><\/h4>\n\n\n\n<ul><li>Vlastn\u00edkem bytu je bytov\u00e9 dru\u017estvo a vy u\u017e\u00edv\u00e1te byt v n\u00e1jmu.<\/li><li>Bez souhlasu m\u016f\u017eete pouze p\u0159ev\u00e9st \u010dlensk\u00fd pod\u00edl.<\/li><li>P\u0159evod \u010dlensk\u00e9ho pod\u00edlu je od dan\u011b z nabyt\u00ed osvobozen\u00e9.<\/li><li>K podn\u00e1jmu pot\u0159ebujete souhlas dru\u017estva.<\/li><li>Plat\u00edte n\u00e1jem v\u010detn\u011b v\u0161ech poplatk\u016f za slu\u017eby, spr\u00e1vu domu, fond oprav, anuitu (podle velikosti va\u0161eho bytu).<\/li><li>Da\u0148 z nemovitosti plat\u00ed dru\u017estvo.<\/li><li>U rekonstrukce pot\u0159ebujete souhlas dru\u017estva.<\/li><li>Jako \u010dlen dru\u017estva m\u00e1te jeden hlas.<\/li><li>Dru\u017estvo zodpov\u00edd\u00e1 za poru\u0161en\u00ed sv\u00fdch z\u00e1vazk\u016f cel\u00fdm sv\u00fdm majetkem, tedy i \u201eva\u0161\u00edm\u201c bytem.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><strong>M\u00e1te dotaz k dru\u017estevn\u00edmu bydlen\u00ed? M\u00e1te mo\u017enost odkoupit dru\u017estevn\u00ed byt do osobn\u00edho vlastnictv\u00ed a pot\u0159ebujete pomoc s hypot\u00e9kou? Napi\u0161te mi sv\u016fj dotaz- r\u00e1da v\u00e1m va\u0161e ot\u00e1zky zodpov\u00edm.<\/strong><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Dru\u017estevn\u00ed bydlen\u00ed jako alternativa \u201evlastn\u00edho\u201c bydlen\u00ed bez hypot\u00e9ky Dru\u017estevn\u00ed bydlen\u00ed se za\u010d\u00edn\u00e1 znovu hojn\u011b objevovat v&nbsp;realitn\u00edch inzerc\u00edch i nab\u00eddk\u00e1ch n\u011bkter\u00fdch developersk\u00fdch projekt\u016f. Je to d\u00e1no tak\u00e9 p\u0159edev\u0161\u00edm regulacemi, kter\u00e9 \u010cNB zavedla p\u0159ed koncem minul\u00e9ho roku v&nbsp;oblasti posuzov\u00e1n\u00ed bonity \u017eadatele o \u00fav\u011br a \u201ezastropov\u00e1n\u00ed\u201c maxim\u00e1ln\u00ed mo\u017en\u00e9 v\u00fd\u0161e&nbsp; hypot\u00e9ky, o kterou m\u016f\u017eete jako klient po\u017e\u00e1dat.<\/p>\n","protected":false},"author":1,"featured_media":856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[86,64],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/01\/sean-pollock-203658-1.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1203"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=1203"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1203\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/856"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}