[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.emwac.cz\/nemovitost-za-hotove-nebo-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.emwac.cz\/nemovitost-za-hotove-nebo-na-hypoteku\/","headline":"Nemovitost za hotov\u00e9 nebo na hypot\u00e9ku?","name":"Nemovitost za hotov\u00e9 nebo na hypot\u00e9ku?","description":"Podle toho jak se hodn\u011b zp\u0159\u00edsnila pravidla pro hypot\u00e9\u010dn\u00ed \u00fav\u011bry, tak mnoz\u00ed na tento zp\u016fsob zakoupen\u00ed vlastn\u00edho bydlen\u00ed nedos\u00e1hnou. Nebo l\u00e9pe \u0159e\u010deno jim budou chyb\u011bt dal\u0161\u00ed finan\u010dn\u00ed prost\u0159edky, a kdo je nebude m\u00edt prokazateln\u011b na sv\u00e9m kont\u011b, tak skute\u010dn\u011b nepochod\u00ed schvalovac\u00edm bankovn\u00edm procesem. Nebudeme si ani nalh\u00e1vat, \u017ee nemovitosti v dne\u0161n\u00ed dob\u011b si dr\u017e\u00ed skute\u010dn\u011b […]","datePublished":"2019-10-14","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.emwac.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.emwac.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"emwac.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.emwac.cz\/wp-content\/uploads\/img_a368759_w1885_t1580992780.jpg","url":"https:\/\/www.emwac.cz\/wp-content\/uploads\/img_a368759_w1885_t1580992780.jpg","height":0,"width":0},"url":"https:\/\/www.emwac.cz\/nemovitost-za-hotove-nebo-na-hypoteku\/","wordCount":442,"articleBody":"            Podle toho jak se hodn\u011b zp\u0159\u00edsnila pravidla pro hypot\u00e9\u010dn\u00ed \u00fav\u011bry, tak mnoz\u00ed na tento zp\u016fsob zakoupen\u00ed vlastn\u00edho bydlen\u00ed nedos\u00e1hnou. Nebo l\u00e9pe \u0159e\u010deno jim budou chyb\u011bt dal\u0161\u00ed finan\u010dn\u00ed prost\u0159edky, a kdo je nebude m\u00edt prokazateln\u011b na sv\u00e9m kont\u011b, tak skute\u010dn\u011b nepochod\u00ed schvalovac\u00edm bankovn\u00edm procesem. Nebudeme si ani nalh\u00e1vat, \u017ee nemovitosti v dne\u0161n\u00ed dob\u011b si dr\u017e\u00ed skute\u010dn\u011b vysokou prodejn\u00ed hodnotu. Pokud zrovna majitele nemovitosti nic netla\u010d\u00ed k prodeji, bude sv\u016fj majetek ponech\u00e1vat na horn\u00edch p\u0159\u00ed\u010dk\u00e1ch, kter\u00e9 jsou a\u017e p\u0159\u00edli\u0161 p\u0159edra\u017een\u00e9. Spol\u00e9haj\u00ed na to, \u017ee ka\u017ed\u00e1 v\u011bc m\u00e1 sv\u00e9ho kupce a tak se p\u0159ece jenom n\u011bjak\u00fd z\u00e1jemce nalezne. Na druhou stranu je velmi zvl\u00e1\u0161tn\u00ed, \u017ee i ti, co maj\u00ed dostate\u010dn\u00e9 mno\u017estv\u00ed finan\u010dn\u00edch prost\u0159edk\u016f, tak se nehrnou do koup\u011b nemovitost\u00ed za celkovou kupn\u00ed cenu v hotovosti, ale rad\u011bji si za\u017e\u00e1daj\u00ed o \u00fav\u011br, kter\u00fd v tomto p\u0159\u00edpad\u011b se d\u00e1 snadn\u011bji z\u00edskat. M\u00e1 to p\u0159irozen\u011b svoji logiku. Pro\u010d je \u00fav\u011br v\u00fdhodn\u011bj\u0161\u00ed? \u00b7 I kdy\u017e m\u00e1 kupuj\u00edc\u00ed dostate\u010dnou hotovost, mus\u00ed po\u010d\u00edtat s t\u00edm, \u017ee je\u0161t\u011b nav\u00edc bude platit 4% z kupn\u00ed nebo odhadn\u00ed ceny nemovitosti. Tud\u00ed\u017e kone\u010dnou cenou z nemovitosti placen\u00ed nekon\u010d\u00ed. Je\u0161t\u011b je t\u0159eba po\u010d\u00edtat s vlo\u017een\u00edm na katastr nemovitost\u00ed, kter\u00fd je t\u00e9\u017e zpoplatn\u011bn. \u00b7 \u010c\u00e1st \u00fav\u011bru a \u010d\u00e1st vlastn\u00ed hotovosti je naprosto ide\u00e1ln\u00ed stav, jeliko\u017e z\u016fstane podstatn\u00e1 \u010d\u00e1st financ\u00ed na dal\u0161\u00ed mo\u017enou investici \u010di opravy. \u00b7 Nen\u00ed pot\u00e9 divu, \u017ee bydl\u00edme na \u00fav\u011bry za bilion, kdy\u017e v\u00fdhodn\u00e1 procenta z \u00farok\u016f, mo\u017en\u00e9 ode\u010dty, v\u00fdnosy z investic a mnoh\u00e9 dal\u0161\u00ed jsou v\u00fdhodn\u011bj\u0161\u00ed, ne\u017e si zakoupit bydlen\u00ed za vlastn\u00ed hotovost a potom hledat dal\u0161\u00ed finan\u010dn\u00ed mo\u017enosti, kdy si budeme muset mo\u017en\u00e1 p\u016fj\u010dit na opravy nebo jin\u00e9 investice, ov\u0161em za daleko hor\u0161\u00edch podm\u00ednek, ne\u017e n\u00e1m nab\u00edz\u00ed hypot\u00e9\u010dn\u00ed \u00fav\u011br. N\u011bkdo takovou \u0161anci nem\u00e1  Bohu\u017eel st\u00e1le v na\u0161\u00ed republice p\u0159evl\u00e1daj\u00ed \u010d\u00edsla t\u011bch, kte\u0159\u00ed se mus\u00ed spolehnout jen na hypot\u00e9ku, pokud cht\u011bj\u00ed zakoupit vlastn\u00ed bydlen\u00ed. Je jedno zdali to bude mal\u00fd domek se zahr\u00e1dkou, velk\u00e1 vila nebo touha si postavit vlastn\u00ed stavbu, p\u0159\u00edpadn\u011b n\u011bkomu posta\u010d\u00ed byt \u010di dru\u017estevn\u00ed pod\u00edl. Tady jsou podm\u00ednky pro z\u00edsk\u00e1n\u00ed daleko t\u011b\u017e\u0161\u00ed a mnohdy je velmi n\u00e1ro\u010dn\u00e9 prok\u00e1zat a dolo\u017eit v\u0161e, tak jak banky po\u017eaduj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nemovitost za hotov\u00e9 nebo na hypot\u00e9ku?","item":"https:\/\/www.emwac.cz\/nemovitost-za-hotove-nebo-na-hypoteku\/#breadcrumbitem"}]}]