{"id":1211,"date":"2019-02-07T13:52:37","date_gmt":"2019-02-07T12:52:37","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1211"},"modified":"2020-02-05T20:12:34","modified_gmt":"2020-02-05T19:12:34","slug":"hypoteka-na-zkousku","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/hypoteka-na-zkousku\/","title":{"rendered":"Hypot\u00e9ka na zkou\u0161ku"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Vz\u00edt si hypot\u00e9ku nen\u00ed zas takov\u00fd probl\u00e9m,<\/h2>\n\n\n\n<p>hor\u0161\u00ed je naj\u00edt tu spr\u00e1vnou nemovitost za rozumnou cenu. Asi jste u\u017e p\u0159em\u00fd\u0161leli nad t\u00edm, jak\u00e9 by to bylo neplatit n\u00e1jem n\u011bkomu jin\u00e9mu a m\u00edsto toho si platit vlastn\u00ed bydlen\u00ed- bydlen\u00ed, kter\u00e9 bude jednou va\u0161e a nebudete si muset na st\u00e1\u0159\u00ed d\u011blat starosti, jestli vyjdete s p\u0159\u00edjmem.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Vz\u00edt si hypot\u00e9ku je nicm\u00e9n\u011b z\u00e1vazek na cel\u00fd \u017eivot (v\u011bt\u0161inou tedy). Jak zjistit, jestli m\u011bs\u00ed\u010dn\u011b zvl\u00e1dnete spl\u00e1tku hypot\u00e9ky a dal\u0161\u00ed n\u00e1klady spojen\u00e9 s provozem bytu\/domu a sv\u00e9 b\u011b\u017en\u00e9 v\u00fddaje?<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Jak\u00e9 n\u00e1klady je pot\u0159eba uva\u017eovat, krom\u011b spl\u00e1tky hypot\u00e9ky:<\/strong><\/h4>\n\n\n\n<ul><li>Z\u00e1lohy na slu\u017eby- voda, elekt\u0159ina, plyn (500,-+1.200,-+1.500,-)<\/li><li>Platby do fondu oprav (v p\u0159\u00edpad\u011b SVJ; p\u0159\u00edpadn\u011b tvorba vlastn\u00ed rezervy na b\u011b\u017en\u00e9 opravy)- 1.700,-<\/li><li>Internet a televize 500,-<\/li><li>Poji\u0161t\u011bn\u00ed bytu- 100,- m\u011bs\u00ed\u010dn\u011b (1200 ro\u010dn\u011b)<\/li><\/ul>\n\n\n\n<p><strong>Tj. celkem 5.500,-<\/strong><\/p>\n\n\n\n<p>Pr\u016fm\u011brn\u00fd byt 3+1 (60m2) v krajsk\u00e9m m\u011bst\u011b nyn\u00ed stoj\u00ed n\u011bco kolem 3.000.000,-. Pokud byste z vlastn\u00edch prost\u0159edk\u016f dok\u00e1zali slo\u017eit 300tis, pak by hypot\u00e9ka vych\u00e1zela takto:<\/p>\n\n\n\n<ul><li>V\u00fd\u0161e \u00fav\u011bru 2.700.000,-<\/li><li>Splatnost 30let<\/li><li><strong>Spl\u00e1tka 12.129,-<\/strong><\/li><\/ul>\n\n\n\n<p><strong>Dohromady (se spl\u00e1tkou hypot\u00e9ky a n\u00e1klad\u016f za byt) byste tak za nov\u00e9 bydlen\u00ed vydali m\u011bs\u00ed\u010dn\u011b 17.629,-. <\/strong><strong>Pokud v sou\u010dasn\u00e9m bydlen\u00ed plat\u00edte n\u00e1jem cca 9tis a za energie plat\u00edte zm\u00edn\u011bn\u00fdch 5.500,-, zv\u00fd\u0161\u00ed v\u00e1m tak n\u00e1klady o 3.129,-<\/strong><\/p>\n\n\n\n<p>Zkuste si tyto pen\u00edze (rozd\u00edl mezi sou\u010dasn\u00fdmi a budouc\u00edmi v\u00fddaji) ukl\u00e1dat na spo\u0159\u00edc\u00ed \u00fa\u010det alespo\u0148 po dobu p\u016fl roku, abyste zjistili zda v\u00e1m bude d\u011blat tento v\u00fddaj pot\u00ed\u017ee nebo jej zvl\u00e1dnete bez probl\u00e9m\u016f odkl\u00e1dat.\nNa co byste m\u011bli myslet, ne\u017e hypot\u00e9ku za\u010dnete vy\u0159izovat:\n<\/p>\n\n\n\n<ul><li>P\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti o \u00fav\u011br byste m\u011bli m\u00edt ide\u00e1ln\u011b ji\u017e vytvo\u0159enou rezervu ve v\u00fd\u0161i minim\u00e1ln\u011b t\u0159\u00ed a\u017e \u0161esti m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, na kterou s\u00e1hnete jen v nejhor\u0161\u00edm mo\u017en\u00e9m p\u0159\u00edpad\u011b,<\/li><li>M\u011bli byste m\u00edt kvalitn\u00ed poji\u0161t\u011bn\u00ed, ze kter\u00e9ho budete vy nebo va\u0161e rodina \u010derpat v p\u0159\u00edpad\u011b, \u017ee se v\u00e1m n\u011bco stane,<\/li><li>Nemovitost byste si m\u011bli \u0159\u00e1dn\u011b proj\u00edt, zkontrolovat hlavn\u011b technick\u00fd stav- rozvody elekt\u0159iny, zda nejsou v byt\u011b pl\u00edsn\u011b, v jak\u00e9m stavu jsou podlahy apod.,<\/li><li>Ptejte se soused\u016f, jak jsou spokojen\u00ed s okol\u00edm domu, s bydlen\u00edm v dom\u011b apd.,<\/li><li>Nepodce\u0148ujte ani pr\u00e1vn\u00ed stav nemovitosti- d\u016fkladn\u011b zkontrolujte, zda nejsou na nemovitosti v\u011bcn\u00e1 b\u0159emena, n\u00e1jemn\u00ed smlouvy a u pozemk\u016f zda se nepl\u00e1nuje v budoucnu n\u011bjak\u00e1 v\u00fdstavba (vy\u010dtete z \u00fazemn\u00edho pl\u00e1nu) apd. (Bohu\u017eel ne v\u017edy je mo\u017en\u00e9 v\u0161echny informace vy\u010d\u00edst z katastru nemovitost\u00ed a proto nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e s pomoc\u00ed pr\u00e1vn\u00edka spr\u00e1vn\u011b formulovat sv\u00e1 pr\u00e1va v kupn\u00ed smlouv\u011b).<\/li><\/ul>\n\n\n\n<p><strong>Pot\u0159ebujete v\u011bd\u011bt, na jakou spl\u00e1tku vych\u00e1z\u00ed hypot\u00e9ka, abyste si mohli spo\u010d\u00edtat, o jakou \u010d\u00e1stku se v\u00e1m v\u00fddaje za bydlen\u00ed zv\u00fd\u0161\u00ed? Objednat kalkulaci si m\u016f\u017eete <a href=\"https:\/\/l.facebook.com\/l.php?u=https%3A%2F%2Fstaryweb.mskarydkova.cz%2Fsubdom%2Fstaryweb%2Fkontaktni-formular-fb%2F%3Ffbclid%3DIwAR3Cm-mAgNTvy__Xk0ien7SwkXTt0jrHzjs5DR7unSPWUb3Xd6o0hqkgtg8&amp;h=AT12agnwHdyVan_5vTfQRduJOr3kmZFDWCSWYeR8ZRLTWRjNKDEkO4v44ZI2o-zKnLTpQNJPqeSgqo4ebKNSTRfI7Yx53FvHqIOMUQjsRoHK3xLKEwG6GBNgpx7cnpSXjtg\" target=\"_blank\" rel=\"noreferrer noopener\">tady<\/a><\/strong><strong> nebo mi sta\u010d\u00ed napsat zpr\u00e1vu na messengera (dole v pravo na str\u00e1nce)<\/strong><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vz\u00edt si hypot\u00e9ku nen\u00ed zas takov\u00fd probl\u00e9m, hor\u0161\u00ed je naj\u00edt tu spr\u00e1vnou nemovitost za rozumnou cenu. Asi jste u\u017e p\u0159em\u00fd\u0161leli nad t\u00edm, jak\u00e9 by to bylo neplatit n\u00e1jem n\u011bkomu jin\u00e9mu a m\u00edsto toho si platit vlastn\u00ed bydlen\u00ed- bydlen\u00ed, kter\u00e9 bude jednou va\u0161e a nebudete si muset na st\u00e1\u0159\u00ed d\u011blat starosti, jestli vyjdete s p\u0159\u00edjmem.<\/p>\n","protected":false},"author":1,"featured_media":1213,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[63],"tags":[64,78],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/hypot\u00e9ka-na-zkou\u0161ku-2.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\/1211"}],"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=1211"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1211\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1213"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}