[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.blaped.cz\/cesta-k-vlastnimu-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.blaped.cz\/cesta-k-vlastnimu-bydleni\/","headline":"Cesta k vlastn\u00edmu bydlen\u00ed","name":"Cesta k vlastn\u00edmu bydlen\u00ed","description":"St\u00e1le v\u00edce mlad\u00fdch lid\u00ed t\u00edhne k n\u00e1zoru, \u017ee za socialismu bylo v\u0161echno lep\u0161\u00ed. Jejich prarodi\u010de toti\u017e vypr\u00e1v\u00ed o tom, jak...","datePublished":"2024-09-16","dateModified":"2024-09-16","author":{"@type":"Person","@id":"https:\/\/www.blaped.cz\/author\/#Person","name":"","url":"https:\/\/www.blaped.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"blaped.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.blaped.cz\/wp-content\/uploads\/planning-gd8e6d4d30_640_10_10_10_10_2.jpg","url":"https:\/\/www.blaped.cz\/wp-content\/uploads\/planning-gd8e6d4d30_640_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.blaped.cz\/cesta-k-vlastnimu-bydleni\/","about":["Pen\u00edze"],"wordCount":403,"articleBody":"   St\u00e1le v\u00edce mlad\u00fdch lid\u00ed t\u00edhne k n\u00e1zoru, \u017ee za socialismu bylo v\u0161echno lep\u0161\u00ed. Jejich prarodi\u010de toti\u017e vypr\u00e1v\u00ed o tom, jak koupili byt nebo d\u016fm v podstat\u011b za p\u00e1r korun. I tehdy byly sice nemovitosti drah\u00e9, ale st\u00e1le byly dostupn\u011bj\u0161\u00ed, ne\u017e jsou te\u010f. Abyste si mohli koupit dovolit t\u0159\u00edpokojov\u00fd byt v Praze, kter\u00fd byl postaveny pr\u00e1v\u011b za socialismu, museli byste m\u00edt k dispozici pr\u016fm\u011brn\u011b 10 000 000 K\u010d, co\u017e je zhruba 20ro\u010dn\u00edch mezd. Docela d\u011bsiv\u00e1 p\u0159edstava, \u017ee? Ceny nemovitost\u00ed rostou ka\u017ed\u00fdm rokem tak\u00e9 z toho d\u016fvodu, \u017ee bohat\u00ed lid\u00e9 skupuj\u00ed byty, pozemky i domy. Mnoh\u00e9 z nich dokonce nepronaj\u00edmaj\u00ed, a tak tyto nemovitosti zcela zej\u00ed pr\u00e1zdnotu. To samoz\u0159ejm\u011b zv\u011bt\u0161uje popt\u00e1vku po dostupn\u00fdch nemovitostech, a tak doch\u00e1z\u00ed k n\u00e1r\u016fstu cen. Lid\u00e9 bohu\u017eel n\u011bkde bydlet mus\u00ed, a tak jim nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e akceptovat st\u00e1le vy\u0161\u0161\u00ed ceny. Dovolit si koupit vlastn\u00ed nemovitost m\u016f\u017ee naprost\u00e1 v\u011bt\u0161ina lid\u00ed jen prost\u0159ednictv\u00edm hypot\u00e9ky. Vzhledem k tomu \u017ee hypot\u00e9ku pot\u0159ebuje st\u00e1le v\u00edce lid\u00ed, doch\u00e1zelo k situaci, kdy je banky d\u00e1valy v podstat\u011b ka\u017ed\u00e9mu, kdo si o ni po\u017e\u00e1dal. Jen\u017ee banky d\u00e1valy hypot\u00e9ky i lidem kte\u0159\u00ed nem\u011bli pot\u0159ebn\u00e9 p\u0159\u00edjmy, tak\u017ee se \u010dasto st\u00e1valo \u017ee nemovitosti kon\u010dily v exekuci a banky kv\u016fli tomu p\u0159ich\u00e1zely o pen\u00edze.I to je jeden z d\u016fvod\u016f pro\u010d \u010cesk\u00e1 n\u00e1rodn\u00ed banka doporu\u010dila ostatn\u00edm bank\u00e1m, aby zp\u0159\u00edsnily pravidla pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky. Tak se tak\u00e9 stalo. B\u011bhem pandemie koronaviru do\u0161lo ke zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek, za kter\u00fdch m\u016f\u017ee hypote\u010dn\u00ed \u00fav\u011br z\u00edskat. Banky vy\u017eaduj\u00ed nejen dostate\u010dn\u00fd p\u0159\u00edjem, ale tak\u00e9 naprostou bezdlu\u017enost. Z\u00e1rove\u0148 je pot\u0159eba m\u00edt naspo\u0159en\u00fdch 10 a\u017e 20 % z hodnoty hypot\u00e9ky, p\u0159\u00edpadn\u011b je mo\u017en\u00e9 tuto povinnost splnit i t\u00edm \u017ee budete vlastnit stavebn\u00ed pozemek nebo t\u0159eba d\u016fm k rekonstrukci. Kv\u016fli tomu \u017ee banky omezily schvalov\u00e1n\u00ed hypot\u00e9k \u010d\u00e1st lid\u00ed hled\u00e1 pen\u00edze jinde. Jednou z mo\u017enost\u00ed je nebankovn\u00ed hypot\u00e9ka, kterou lze z\u00edskat sn\u00e1z ne\u017e hypot\u00e9ku u banky.                                                                                                                                                                                                                                                                                                                                                                                          3.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Cesta k vlastn\u00edmu bydlen\u00ed","item":"https:\/\/www.blaped.cz\/cesta-k-vlastnimu-bydleni\/#breadcrumbitem"}]}]