[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stpierre.cz\/ucelova-vs-bezucelova\/#Article","mainEntityOfPage":"https:\/\/www.stpierre.cz\/ucelova-vs-bezucelova\/","headline":"\u00da\u010delov\u00e1 vs. Bez\u00fa\u010delov\u00e1","name":"\u00da\u010delov\u00e1 vs. Bez\u00fa\u010delov\u00e1","description":"Ka\u017ed\u00fd se v \u017eivot\u011b vyv\u00edj\u00edme a rosteme. D\u016fm a m\u00edsto, kde vyr\u016fst\u00e1me je pro n\u00e1s jak\u00fdmsi symbolem bezpe\u010d\u00edm a zdrojem hezk\u00fdch, ale tak\u00e9 nehezk\u00fdch vzpom\u00ednek. Ka\u017edop\u00e1dn\u011b n\u00e1m toto m\u00edsto utkv\u00ed v pam\u011bti a r\u00e1di se zde vrac\u00edme. Pot\u00e9 co za\u010dneme r\u016fst a m\u00e1me pot\u0159ebu se osamostatnit najednou opou\u0161t\u00edme sv\u00e9 rodn\u00e9 hn\u00edzdo a pou\u0161t\u00edme se bydlet […]","datePublished":"2020-09-11","dateModified":"2023-05-16","author":{"@type":"Person","@id":"https:\/\/www.stpierre.cz\/author\/#Person","name":"","url":"https:\/\/www.stpierre.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stpierre.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stpierre.cz\/wp-content\/uploads\/img_a333902_w2325_t1547496188.jpg","url":"https:\/\/www.stpierre.cz\/wp-content\/uploads\/img_a333902_w2325_t1547496188.jpg","height":0,"width":0},"url":"https:\/\/www.stpierre.cz\/ucelova-vs-bezucelova\/","wordCount":475,"articleBody":"Ka\u017ed\u00fd se v \u017eivot\u011b vyv\u00edj\u00edme a rosteme. D\u016fm a m\u00edsto, kde vyr\u016fst\u00e1me je pro n\u00e1s jak\u00fdmsi symbolem bezpe\u010d\u00edm a zdrojem hezk\u00fdch, ale tak\u00e9 nehezk\u00fdch vzpom\u00ednek. Ka\u017edop\u00e1dn\u011b n\u00e1m toto m\u00edsto utkv\u00ed v pam\u011bti a r\u00e1di se zde vrac\u00edme. Pot\u00e9 co za\u010dneme r\u016fst a m\u00e1me pot\u0159ebu se osamostatnit najednou opou\u0161t\u00edme sv\u00e9 rodn\u00e9 hn\u00edzdo a pou\u0161t\u00edme se bydlet na vlastn\u00ed byt. Nejprve to b\u00fdv\u00e1 studentsk\u00fd byt, pot\u00e9 samostatn\u00fd byt, a nakonec vlastn\u00ed bydlen\u00ed.
 To v\u011bt\u0161inou prob\u00edh\u00e1 tak, \u017ee si dan\u00fd d\u016fm postav\u00edme. V\u00fdhodnou pozici m\u00e1me v p\u0159\u00edpad\u011b, pokud ji\u017e vlastn\u00edme pozemek. V tomto p\u0159\u00edpad\u011b n\u00e1m odpad\u00e1 povinnost nakupovat parcelu a vyd\u00e1vat tak dal\u0161\u00ed finan\u010dn\u00ed prost\u0159edky na tak ji\u017e dost n\u00e1kladnou investici.
 Samotn\u00fd d\u016fm nen\u00ed tak\u00e9 v\u016fbec levn\u00fd. V\u011bt\u0161inou se fin\u00e1ln\u00ed \u010d\u00e1stka dostane a\u017e na n\u011bkolik milion korun, co\u017e nen\u00ed rozhodn\u011b pro \u010dlov\u011bka, kter\u00fd m\u00e1 pouze standartn\u00ed p\u0159\u00edjem n\u011bco akceptovateln\u00e9ho. Proto hled\u00e1me nejr\u016fzn\u011bj\u0161\u00ed cesty, jak pen\u00edze z\u00edskat. Nen\u00ed samoz\u0159ejm\u011b nic snadn\u00e9ho a mus\u00edme o vlastn\u00ed bydlen\u00ed opravdu st\u00e1t. B\u011b\u017en\u00fdm postupem je dnes vz\u00edt si p\u016fj\u010dku. V takov\u00e9m p\u0159\u00edpad\u011b se ale zadlu\u017e\u00edme, do toho se ale ne ka\u017ed\u00e9mu chce.
 Proto se sna\u017e\u00edme p\u016fj\u010dit si od rodiny, od zn\u00e1m\u00fdch a nast\u0159\u00e1dat tak co nejv\u00edce finan\u010dn\u00edch prost\u0159edk\u016f. Bohu\u017eel ani toto \u00fasil\u00ed nemus\u00ed b\u00fdt v\u017edy dosta\u010duj\u00edc\u00ed, a proto se ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f mus\u00edme obr\u00e1tit na banku. Ta a dal\u0161\u00ed spole\u010dnosti, kter\u00e9 se \u00fa\u010dastn\u00ed bankovn\u00edho syst\u00e9mu v \u010cR nab\u00edz\u00ed dva hlavn\u00ed typy hypot\u00e9k:
 \u00b7 \u00da\u010delov\u00e1 hypot\u00e9ka
 \u00b7 Bez\u00fa\u010delov\u00e1 (americk\u00e1) hypot\u00e9ka
 Prvn\u00ed zm\u00edn\u011bn\u00fd typ najdeme sp\u00ed\u0161e v nab\u00eddce bank, kter\u00e9 se sna\u017e\u00ed zachovat si ur\u010ditou f\u00e9rovost v\u016f\u010di sv\u00fdm klient\u016fm a naplnit tak z\u00e1konn\u00e9 podm\u00ednky finan\u010dn\u00ed p\u016fj\u010dky. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f po\u017eaduj\u00ed jen n\u011bkolik z\u00e1ruk, proto aby si zajistila n\u00e1vrat vyp\u016fj\u010den\u00fdch prost\u0159edk\u016f:
 \u00b7 Z\u00e1stava nemovitosti
 \u00b7 V\u00fdpis z registru dlu\u017en\u00edk\u016f
 \u00b7 Dolo\u017een\u00ed stabiln\u00edho p\u0159\u00edjmu
 Pokud dolo\u017e\u00edme tyto dokumenty a je zji\u0161t\u011bno, \u017ee jsme vhodn\u00ed adepti na p\u016fj\u010dku nem\u011bl by b\u00fdt probl\u00e9m z\u00edskat c\u00edlovou \u010d\u00e1stku p\u016fj\u010dky. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b se mus\u00edme obr\u00e1tit na nebankovn\u00ed spole\u010dnosti, kter\u00e9 se zam\u011b\u0159uj\u00ed sp\u00ed\u0161e na p\u016fj\u010dky bez\u00fa\u010delov\u00e9ho typu.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00da\u010delov\u00e1 vs. Bez\u00fa\u010delov\u00e1","item":"https:\/\/www.stpierre.cz\/ucelova-vs-bezucelova\/#breadcrumbitem"}]}]