[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.radita.cz\/bydlime-ve-vlastnim-byte-a-mame-klid\/#Article","mainEntityOfPage":"https:\/\/www.radita.cz\/bydlime-ve-vlastnim-byte-a-mame-klid\/","headline":"Bydl\u00edme ve vlastn\u00edm byt\u011b a m\u00e1me klid","name":"Bydl\u00edme ve vlastn\u00edm byt\u011b a m\u00e1me klid","description":"Za socialismu sice neexistovaly hypot\u00e9ky, ale rodinn\u00e9 domy byly v mnoha p\u0159\u00edpadech financov\u00e1ny \u00fav\u011bry od st\u00e1tn\u00ed spo\u0159itelny. \u0160lo v podstat\u011b o tot\u00e9\u017e, i kdy\u017e","datePublished":"2024-11-09","dateModified":"2024-11-09","author":{"@type":"Person","@id":"https:\/\/www.radita.cz\/author\/#Person","name":"","url":"https:\/\/www.radita.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"radita.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.radita.cz\/wp-content\/uploads\/house-front-880873_640_5.jpg","url":"https:\/\/www.radita.cz\/wp-content\/uploads\/house-front-880873_640_5.jpg","height":0,"width":0},"url":"https:\/\/www.radita.cz\/bydlime-ve-vlastnim-byte-a-mame-klid\/","about":["Ekonomika"],"wordCount":413,"articleBody":"      Za socialismu sice neexistovaly hypot\u00e9ky, ale rodinn\u00e9 domy byly v mnoha p\u0159\u00edpadech financov\u00e1ny \u00fav\u011bry od st\u00e1tn\u00ed spo\u0159itelny. \u0160lo v podstat\u011b o tot\u00e9\u017e, i kdy\u017e se \u00fav\u011br zrovna nejmenoval \u201ehypot\u00e9ka\u201c. Spl\u00e1cel se nap\u0159\u00edklad po dobu t\u0159iceti let a byl \u00faro\u010den sazbou 2,7 procenta. V t\u00e9 dob\u011b byly ve\u0161ker\u00e9 byty v bytov\u00fdch domech bu\u010f st\u00e1tn\u00ed nebo dru\u017estevn\u00ed, tak\u017ee \u00fav\u011bry na tento typ bydlen\u00ed neexistovaly, proto\u017ee jste hradili pouze n\u00e1jemn\u00e9 a byt nebyl v\u00e1\u0161, ov\u0161em po sametov\u00e9 revoluci se uvolnil trh i s byty a za\u010dalo se s nimi obchodovat. V sou\u010dasn\u00e9 dob\u011b m\u00e1te dv\u011b mo\u017enosti, jak si zajistit bydlen\u00ed v byt\u011b v bytov\u00e9m dom\u011b \u2013 bu\u010f p\u0159istoup\u00edte na n\u00e1jemn\u00ed smlouvu a hrad\u00edte n\u00e1jemn\u00e9, anebo si po\u0159\u00edd\u00edte byt do sv\u00e9ho vlastnictv\u00ed za platbu v hotovosti nebo na spl\u00e1tky, nej\u010dast\u011bji na hypot\u00e9ku bez registru. Kdy\u017e se zamysl\u00edme nad t\u00edm, jak\u00e9 v\u00fdhody m\u00e1 ten kter\u00fd zp\u016fsob bydlen\u00ed, zjist\u00edme, \u017ee v\u00fdhody n\u00e1jemn\u00edho bytu jsou st\u00edr\u00e1ny jeho cenou. Kdyby z\u016fstaly n\u00e1jmy na stejn\u00e9 v\u00fd\u0161i jako za socialismu, respektive k pom\u011bru v\u016f\u010di pr\u016fm\u011brn\u00e9 mzd\u011b, pak by z\u00e1jem o n\u00e1jemn\u00e9 bydlen\u00ed ur\u010dit\u011b rostl, ale vzhledem k tomu, \u017ee ceny n\u00e1jm\u016f jsou srovnateln\u00e9 s v\u00fd\u0161\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek hypot\u00e9k, pak si mnoho lid\u00ed rozmysl\u00ed, zda investovat do tohoto \u201epodniku\u201c. Jestli\u017ee tedy budete hradit hypot\u00e9ku bez registru nebankovnihypoteka.cz v pravideln\u00fdch spl\u00e1tk\u00e1ch a budete si po\u010d\u00ednat podobn\u011b, jako lid\u00e9 za socialismu, kte\u0159\u00ed spl\u00e1celi \u00fav\u011br na d\u016fm, a dodr\u017e\u00edte smluvn\u00ed podm\u00ednky, z\u00edsk\u00e1te po jist\u00e9 dob\u011b nemovitost do sv\u00e9ho vlastnictv\u00ed, a investice do nemovitost\u00ed jsou dnes jednou z nejlep\u0161\u00edch forem investov\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f ve srovn\u00e1n\u00ed s nejist\u00fdmi cenn\u00fdmi pap\u00edry \u010di akciemi. Lidem se dnes vyplat\u00ed investovat do byt\u016f, rodinn\u00fdch dom\u016f a tak\u00e9 do zlata, v\u0161e ostatn\u00ed pova\u017euj\u00ed za velk\u00e9 riziko vzhledem k tomu, \u017ee si nem\u016f\u017eete b\u00fdt nikdy jisti hodnotou pen\u011bz. A kdyby bylo nejh\u016f\u0159, m\u00e1te alespo\u0148 vlastn\u00ed st\u0159echu nad hlavou, kde\u017eto s n\u00e1jmem nem\u00e1te nikdy jistotu, zda bude pro v\u00e1s k dispozici je\u0161t\u011b za dvacet let.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bydl\u00edme ve vlastn\u00edm byt\u011b a m\u00e1me klid","item":"https:\/\/www.radita.cz\/bydlime-ve-vlastnim-byte-a-mame-klid\/#breadcrumbitem"}]}]