[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.erlas.cz\/bydleni-pro-vsechny\/#Article","mainEntityOfPage":"https:\/\/www.erlas.cz\/bydleni-pro-vsechny\/","headline":"Bydlen\u00ed pro v\u0161echny","name":"Bydlen\u00ed pro v\u0161echny","description":"N\u00e1jemn\u00ed bydlen\u00ed podle ofici\u00e1ln\u00edho vyj\u00e1d\u0159en\u00ed sou\u010dasn\u00e9 vl\u00e1dy v men\u0161in\u011b oproti","datePublished":"2023-09-23","dateModified":"2023-10-26","author":{"@type":"Person","@id":"https:\/\/www.erlas.cz\/author\/#Person","name":"","url":"https:\/\/www.erlas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"erlas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.erlas.cz\/wp-content\/uploads\/money-2724245_640_10_10_1.jpg","url":"https:\/\/www.erlas.cz\/wp-content\/uploads\/money-2724245_640_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.erlas.cz\/bydleni-pro-vsechny\/","about":["Pen\u00edze"],"wordCount":420,"articleBody":"      N\u00e1jemn\u00ed bydlen\u00ed podle ofici\u00e1ln\u00edho vyj\u00e1d\u0159en\u00ed sou\u010dasn\u00e9 vl\u00e1dy v men\u0161in\u011b oproti vlastnick\u00e9mu bydlen\u00ed. N\u011bkte\u0159\u00ed politici se velice podivuj\u00ed nad t\u00edm, pro\u010d v\u011bt\u0161ina lid\u00ed tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, pri\u010dem\u017e se podivuj\u00ed ve vlastn\u00edch vil\u00e1ch a luxusn\u00edch bytech. M\u00edt svoje bydlen\u00ed m\u00e1 oproti n\u00e1jemn\u00edmu bydlen\u00ed \u0159adu v\u00fdhod. Z vlastn\u00edho domu v\u00e1m nikdo v\u00fdpov\u011b\u010f ned\u00e1. Pr\u00e1v\u011b v\u00fdpov\u011b\u010f z n\u00e1jmu nemovitosti je nej\u010dast\u011bji probl\u00e9m, se kter\u00fdm se lid\u00e9 \u010dato pot\u00fdkaj\u00ed. I kdy\u017e m\u00e1te smlouvu na neur\u010dito, m\u016f\u017eete z n\u00ed nakonec dostat v\u00fdpov\u011b\u010f a mus\u00edte si pak hledat bydlen\u00ed nov\u00e9. Kdy\u017e budete bydlet ve sv\u00e9m, t\u011b\u017eko v\u00e1s z n\u011bj n\u011bkdo dostane. Na to m\u00e1 pr\u00e1vo jen banka, a to jen v p\u0159\u00edpad\u011b \u017ee nebudete hradit hypot\u00e9ku. I tak je pro banku sch\u016fdn\u011bj\u0161\u00ed kdy\u017e se s n\u00ed domluv\u00edte, proto\u017ee banka chce prim\u00e1rn\u011b spl\u00e1cen\u00ed s \u00faroky ne\u017e prodej v exekuci.Z\u00edskat hypot\u00e9ku je dnes slo\u017eit\u00e9. Banky vy\u017eaduj\u00ed dolo\u017eit p\u0159\u00edjmy v\u0161ech \u017eadatel\u016f, a tak\u00e9 vy\u017eaduj\u00ed, aby m\u011bli \u017eadatel\u00e9 ur\u010dit\u00e9 procento z celkov\u00e9 hodnoty hypot\u00e9ky naspo\u0159eno. A to je prvn\u00ed probl\u00e9m, proto\u017ee kdo si m\u016f\u017ee dovolit na\u0161et\u0159it stovky tis\u00edc korun, kdy\u017e maj\u00ed vysok\u00e9 v\u00fddaje? N\u011bkde se bydlet mus\u00ed, tak\u017ee pokud n\u011bkdo plat\u00ed n\u00e1jem, nem\u00e1 \u0161anci na\u0161et\u0159it si bokem stovky tis\u00edc, pokud m\u00e1 tedy b\u011b\u017en\u00fd p\u0159\u00edjem.Banky dnes posuzuj\u00ed v\u0161echny p\u0159\u00edjmy a v\u00fddaje, a pokud m\u00e1te t\u0159eba leasing na auto nebo spl\u00e1c\u00edte po\u010d\u00edta\u010d, sni\u017euje v\u00e1m to bonitu, a m\u016f\u017eete m\u00edt probl\u00e9m hypot\u00e9ku z\u00edskat. \u010cNB zp\u0159\u00edsnila podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed, tak\u017ee celkov\u00fd objem hypot\u00e9k klesl. Pro mnoho lid\u00ed je tak nebankovn\u00ed hypot\u00e9ka jedinou mo\u017enost\u00ed, jak hypot\u00e9ku dostat. V takov\u00e9m p\u0159\u00edpad\u011b byste si ale o spole\u010dnosti, u n\u00ed\u017e si chcete hypot\u00e9ku vz\u00edt, pe\u010dliv\u011b pro\u010d\u00edst nejen v\u0161echny obchodn\u00ed podm\u00ednky, ale zejm\u00e9na zku\u0161enosti ostatn\u00edch klient\u016f. Nikdy neuzav\u00edrejte smlouvu, ani\u017e byste si p\u0159e\u010detli smluvn\u00ed podm\u00ednky, a pokud m\u00e1te i bez hypot\u00e9ky p\u0159\u00edjmy napnut\u00e9, rad\u011bji je\u0161t\u011b chv\u00edli po\u010dkejte.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bydlen\u00ed pro v\u0161echny","item":"https:\/\/www.erlas.cz\/bydleni-pro-vsechny\/#breadcrumbitem"}]}]