[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.e-cvns.cz\/bydlet-ve-vlastnim\/#Article","mainEntityOfPage":"https:\/\/www.e-cvns.cz\/bydlet-ve-vlastnim\/","headline":"Bydlet ve vlastn\u00edm","name":"Bydlet ve vlastn\u00edm","description":"V dob\u011b osamostat\u0148ov\u00e1n\u00ed se, jsme postaveni p\u0159ed slo\u017eit\u00e9 rozhodnut\u00ed, jak si za\u0159\u00eddit bydlen\u00ed. Jakmile nastoup\u00edme do prvn\u00edho zam\u011bstn\u00e1n\u00ed, jsme tak trochu nuceni se postavit \u010delem k ot\u00e1zce bydlen\u00ed, nej\u010dast\u011bj\u0161\u00ed mo\u017enosti jsou v\u011bt\u0161inou t\u0159i. M\u016f\u017eeme z\u016fstat bydlet u rodi\u010d\u016f, naj\u00edt si podn\u00e1jem nebo koupit vlastn\u00ed byt \u010di d\u016fm. Na t\u0159et\u00ed mo\u017enost obvykle v\u011bt\u0161ina lid\u00ed nem\u00e1 finan\u010dn\u00ed […]","datePublished":"2019-03-02","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.e-cvns.cz\/author\/#Person","name":"e-cvns.cz\n","url":"https:\/\/www.e-cvns.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"e-cvns.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.e-cvns.cz\/wp-content\/uploads\/img_a341263_w1969_t1553963248.jpg","url":"https:\/\/www.e-cvns.cz\/wp-content\/uploads\/img_a341263_w1969_t1553963248.jpg","height":0,"width":0},"url":"https:\/\/www.e-cvns.cz\/bydlet-ve-vlastnim\/","about":["Domov"],"wordCount":419,"articleBody":"V dob\u011b osamostat\u0148ov\u00e1n\u00ed se, jsme postaveni p\u0159ed slo\u017eit\u00e9 rozhodnut\u00ed, jak si za\u0159\u00eddit bydlen\u00ed. Jakmile nastoup\u00edme do prvn\u00edho zam\u011bstn\u00e1n\u00ed, jsme tak trochu nuceni se postavit \u010delem k ot\u00e1zce bydlen\u00ed, nej\u010dast\u011bj\u0161\u00ed mo\u017enosti jsou v\u011bt\u0161inou t\u0159i. M\u016f\u017eeme z\u016fstat bydlet u rodi\u010d\u016f, naj\u00edt si podn\u00e1jem nebo koupit vlastn\u00ed byt \u010di d\u016fm. Na t\u0159et\u00ed mo\u017enost obvykle v\u011bt\u0161ina lid\u00ed nem\u00e1 finan\u010dn\u00ed prost\u0159edky, a pokud nem\u00e1 finan\u010dn\u00ed z\u00e1klad, tak nedos\u00e1hne ani na hypot\u00e9ku, proto\u017ee stoprocentn\u00ed hypot\u00e9ku u\u017e v dne\u0161n\u00ed dob\u011b \u017e\u00e1dn\u00e1 banka neposkytuje. Nej\u010dast\u011bji tedy mlad\u00ed lid\u00e9 vol\u00ed bu\u010fto mo\u017enost bydlen\u00ed u rodi\u010d\u016f nebo v podn\u00e1jmu a p\u0159itom se sna\u017e\u00ed \u0161et\u0159it na koupi vlastn\u00edho bydlen\u00ed. Zde ale vyvst\u00e1v\u00e1 ta z\u00e1sadn\u00ed v\u011bc, kterou \u0159e\u0161\u00ed lid\u00e9 rozd\u00edln\u011b. Ti, kte\u0159\u00ed z\u016fstanou bydlet u rodi\u010d\u016f, toti\u017e plat\u00ed minim\u00e1ln\u00ed n\u00e1klady na bydlen\u00ed, a proto se sna\u017e\u00ed na\u0161et\u0159it tolik finan\u010dn\u00edch prost\u0159edk\u016f, aby jim pokryly celou sumu, kterou bude nov\u00fd domov st\u00e1t. Naopak lid\u00e9 v podn\u00e1jmu se sna\u017e\u00ed co nejrychleji na\u0161et\u0159it tolik financ\u00ed, kolik jim bude sta\u010dit, aby dos\u00e1hli na hypot\u00e9ku a pen\u00edze za n\u00e1jem tak co nejd\u0159\u00edv u\u0161et\u0159ili a platili si jimi rad\u011bji spl\u00e1tky hypot\u00e9ky. Nutno podotknout, \u017ee pak lid\u00e9 z podn\u00e1jmu kupodivu bydl\u00ed ve sv\u00e9m vysn\u011bn\u00e9m domov\u011b mnohem d\u0159\u00edve, ne\u017e lid\u00e9, kte\u0159\u00ed z\u016fstanou bydlet rodi\u010d\u016f. Nav\u00edc zde hraje svoji roli i fakt, \u017ee pokud u\u017e hypot\u00e9ku spl\u00e1c\u00edte, stav\u00edte se k tomu tak, \u017ee na prvn\u00edm m\u00edst\u011b je spl\u00e1tka hypot\u00e9ky a co zbyde, z toho mus\u00edte n\u011bjak vy\u017e\u00edt. Naopak, pokud nad v\u00e1mi nen\u00ed bi\u010d v podob\u011b spl\u00e1tek hypot\u00e9ky a n\u00e1sledn\u00fdch mo\u017en\u00fdch exekuc\u00ed, vyd\u011blan\u00e9 pen\u00edze v\u00edce utr\u00e1c\u00edte za dovolen\u00e9 a v\u011bci pro sebe a na bydlen\u00ed spo\u0159\u00edte a\u017e ty pen\u00edze, kter\u00e9 v\u00e1m zbydou, \u010d\u00edm\u017e se samoz\u0159ejm\u011b sen o vlastn\u00edm bydlen\u00ed odsouv\u00e1 zase o n\u011bjak\u00fd ten p\u00e1tek d\u00e1l. Proto nen\u00ed \u00fapln\u011b marn\u00e9 se zamyslet, jestli nej\u00edt rad\u011bji do hypot\u00e9ky, ne\u017e spo\u0159it u rodi\u010d\u016f, proto\u017ee v\u00e1\u0161 vlastn\u00ed domov v\u00e1m pravd\u011bpodobn\u011b bude \u0159\u00edkat pane o mnoho let d\u0159\u00edve.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bydlet ve vlastn\u00edm","item":"https:\/\/www.e-cvns.cz\/bydlet-ve-vlastnim\/#breadcrumbitem"}]}]