[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lafit.cz\/pravy-cas-na-vlastni-bydleni-ano\/#Article","mainEntityOfPage":"https:\/\/www.lafit.cz\/pravy-cas-na-vlastni-bydleni-ano\/","headline":"Prav\u00fd \u010das na vlastn\u00ed bydlen\u00ed? Ano!","name":"Prav\u00fd \u010das na vlastn\u00ed bydlen\u00ed? Ano!","description":"Chod\u00edte u\u017e n\u011bjak\u00fd ten p\u00e1tek do pr\u00e1ce a poda\u0159ilo se v\u00e1m tak na\u0161et\u0159it n\u011bjakou tu korunu? Bydl\u00edte v byt\u011b, za kter\u00fd m\u011bs\u00ed\u010dn\u011b vyhod\u00edte nemal\u00fd obnos pen\u011bz z okna za n\u00e1jem v byt\u011b, kter\u00fd nikdy nebude v\u00e1\u0161? Nebo bydl\u00edte u rodi\u010d\u016f, se kter\u00fdmi spole\u010dn\u00e9 bydlen\u00ed d\u011bl\u00e1 jeden \u0161r\u00e1m za druh\u00fdm na va\u0161em doposud poklidn\u00e9m vztahu? U\u017e na nic ne\u010dekejte, […]","datePublished":"2019-11-05","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.lafit.cz\/author\/#Person","name":"","url":"https:\/\/www.lafit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lafit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lafit.cz\/wp-content\/uploads\/img_a343211_w2923_t1556368405.jpg","url":"https:\/\/www.lafit.cz\/wp-content\/uploads\/img_a343211_w2923_t1556368405.jpg","height":0,"width":0},"url":"https:\/\/www.lafit.cz\/pravy-cas-na-vlastni-bydleni-ano\/","about":["D\u016fm a byt"],"wordCount":450,"articleBody":"\tChod\u00edte u\u017e n\u011bjak\u00fd ten p\u00e1tek do pr\u00e1ce a poda\u0159ilo se v\u00e1m tak na\u0161et\u0159it n\u011bjakou tu korunu? Bydl\u00edte v byt\u011b, za kter\u00fd m\u011bs\u00ed\u010dn\u011b vyhod\u00edte nemal\u00fd obnos pen\u011bz z okna za n\u00e1jem v byt\u011b, kter\u00fd nikdy nebude v\u00e1\u0161? Nebo bydl\u00edte u rodi\u010d\u016f, se kter\u00fdmi spole\u010dn\u00e9 bydlen\u00ed d\u011bl\u00e1 jeden \u0161r\u00e1m za druh\u00fdm na va\u0161em doposud poklidn\u00e9m vztahu? U\u017e na nic ne\u010dekejte, zajd\u011bte si do banky a zjist\u011bte si, na jakou \u010d\u00e1stku m\u00e1te n\u00e1rok, pokud byste si cht\u011bli vz\u00edt hypot\u00e9ku. \u010c\u00e1stka se vypo\u010d\u00edt\u00e1v\u00e1 z obnosu pen\u011bz, kter\u00fd mus\u00edte m\u00edt na\u0161et\u0159en (mus\u00ed to b\u00fdt minim\u00e1ln\u011b 20% z celkov\u00e9 \u010d\u00e1stky hypot\u00e9ky) a z v\u00fd\u0161e va\u0161eho platu, podle toho zjist\u00ed, jak vysokou \u010d\u00e1stku jste schopni m\u011bs\u00ed\u010dn\u011b spl\u00e1cet.\t\tPo tomto posezen\u00ed v\u00e1m bude sd\u011blena \u010d\u00e1stka, na jak vysokou hypot\u00e9ku m\u016f\u017eete dos\u00e1hnout a podle toho si m\u016f\u017eete vyb\u00edrat nemovitost. Moc v\u0161ak neot\u00e1lejte, nebo\u0165 bank\u00e1m se p\u0159\u00edli\u0161 nechce poskytovat hypot\u00e9ky na v\u00edce let lidem, kte\u0159\u00ed maj\u00ed p\u0159es \u010dty\u0159icet let, cht\u011bj\u00ed m\u00edt jistotu, \u017ee do va\u0161ich sedmdes\u00e1ti budete m\u00edt dluh splacen. Pokud si mysl\u00edte, \u017ee si na byt \u010di d\u016fm na\u0161et\u0159\u00edte sami i kdy\u017e bydl\u00edte v podn\u00e1jmu nebo u rodi\u010d\u016f, tak se zkuste sami zamyslet nad t\u00edm, jak to s \u0161et\u0159en\u00edm pen\u011bz na bydlen\u00ed funguje. Pokud takto \u0161et\u0159\u00edte sami a je to pro v\u00e1s na del\u0161\u00ed \u010das, tak na bydlen\u00ed odkl\u00e1d\u00e1te a\u017e ty pen\u00edze, kter\u00e9 v\u00e1m z dan\u00e9ho m\u011bs\u00edce zbydou, jezd\u00edte na dra\u017e\u0161\u00ed dovolen\u00e9 a dop\u0159\u00e1v\u00e1te si pln\u00fdmi dou\u0161ky, ov\u0161em za cenu, \u017ee velmi dlouho nebudete m\u00edt vlastn\u00ed domov, o kter\u00e9m si budete rozhodovat vy sami.\t\tNaopak, pokud se rozhodnete pom\u011brn\u011b brzy, \u017ee si po\u0159\u00edd\u00edte vlastn\u00ed domov, by\u0165 na dluh, bude pro v\u00e1s ka\u017ed\u00fd m\u011bs\u00edc prvo\u0159ad\u00e9, abyste zaplatili spl\u00e1tku a a\u017e co v\u00e1m z\u016fstane, to m\u016f\u017eete investovat do radost\u00ed a dovolen\u00fdch. Je jen na v\u00e1s, jak\u00e9 jsou va\u0161e priority, ale dlouh\u00e9 ot\u00e1len\u00ed se v\u017edy nakonec obr\u00e1t\u00ed proti v\u00e1m a platit n\u00e1jem v d\u016fchodov\u00e9m v\u011bku je pom\u011brn\u011b velk\u00fd probl\u00e9m mnoha \u010desk\u00fdch d\u016fchodc\u016f, tak si dejte pozor, abyste nedopadli stejn\u011b.\t                                                                                                                                                                                                                                                                                                                                                                                         3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Prav\u00fd \u010das na vlastn\u00ed bydlen\u00ed? 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