Na za\u010d\u00e1tku listopadu zv\u00fd\u0161ila \u010cesk\u00e1 n\u00e1rodn\u00ed banka (\u010cNB) kv\u016fli rostouc\u00ed inflaci z\u00e1kladn\u00ed \u00farokovou sazbu na 2,75 %. Odborn\u00edci ale odhaduj\u00ed, \u017ee \u00farokov\u00e9 sazby \u010desk\u00fdch bank p\u0159ekro\u010d\u00ed hranici 4% to ve fin\u00e1le p\u0159inese dra\u017e\u0161\u00ed p\u016fj\u010dky na bydlen\u00ed. Toto se dotkne i st\u00e1vaj\u00edc\u00edch hypot\u00e9k, kter\u00fdm kon\u010d\u00ed fixace a jejich majitel\u00e9 budou s bankou vyjedn\u00e1vat nov\u00e9 podm\u00ednky \u00fav\u011br\u016f. Z\u00e1v\u011br je takov\u00fd, \u017ee mnoho \u017eadatel\u016f o p\u016fj\u010dku na bydlen\u00ed na tyto podm\u00ednky nedos\u00e1hne a bude se tak muset p\u0159iklonit k pron\u00e1jmu.<\/p>\n\n\n\n
2) Hypot\u00e9ky, kter\u00fdm kon\u010d\u00ed fixace. P\u0159ipravte se na bitvu o procenta<\/strong><\/p>\n\n\n\n Vyhr\u00e1no bohu\u017eel nemaj\u00ed ani dom\u00e1cnosti, kter\u00fdm se poda\u0159ilo z\u00edskat hypot\u00e9ku v dob\u011b v\u00fdhodn\u00fdch, n\u00edzk\u00fdch sazeb. Pokud v\u00e1m bude kon\u010dit\u00a0fixace<\/a>,<\/strong> p\u0159ipravte se na to, \u017ee banka v\u00e1m nab\u00eddce mnohem hor\u0161\u00ed podm\u00ednky.\u00a0Je tedy na zv\u00e1\u017een\u00ed, jestli nesjednat refinancov\u00e1n\u00ed \u00fav\u011bru na dal\u0161\u00ed obdob\u00ed je\u0161t\u011b p\u0159ed koncem fixace. Refinancovat hypot\u00e9ku m\u016f\u017eete toti\u017e a\u017e 2 roky p\u0159ed term\u00ednem. Banka v\u00e1m podr\u017e\u00ed aktu\u00e1ln\u00ed \u00farokovou sazbu a vy ji budete \u010derpat a\u017e po skon\u010den\u00ed st\u00e1vaj\u00edc\u00ed fixace. V\u00a0t\u00e9to situaci ale z\u00e1rove\u0148 odborn\u00edci nedoporu\u010duj\u00ed sjedn\u00e1vat si dobu fixace del\u0161\u00ed ne\u017e 3 roky, p\u0159\u00edpadn\u011b zvolit variabiln\u00ed \u00farokovou sazbu. Pokud chcete zjistit, kolik zaplat\u00edte na spl\u00e1tk\u00e1ch nov\u00e9 hypot\u00e9ky, vyu\u017eijte nap\u0159\u00edklad\u00a0Hypote\u010dn\u00ed kalkula\u010dka a v\u00fdpo\u010det spl\u00e1tky – MAXIMA REALITY.<\/a><\/strong><\/p>\n\n\n\n 3) Pozor na investice do ,,d\u011brav\u00fdch byt\u016f\u201c p\u0159ed rekonstrukc\u00ed<\/strong><\/p>\n\n\n\n Pokud kupujete star\u0161\u00ed panel\u00e1kov\u00fd byt je pot\u0159eba tuto investici dob\u0159e zv\u00e1\u017eit. Cena bytu sice m\u016f\u017ee b\u00fdt l\u00e1kav\u00e1, ale jeho stav m\u016f\u017ee b\u00fdt v tak \u0161patn\u00e9m stavu, \u017ee se stane doslova ,,d\u00edrou na pen\u00edze\u201c, proto\u017ee gener\u00e1ln\u00ed rekonstrukce bytu v\u00e1s m\u016f\u017ee st\u00e1t statis\u00edce korun s p\u0159ihl\u00e9dnut\u00edm k tomu, \u017ee se zdra\u017euje i cena materi\u00e1l\u016f, vody a elektrick\u00e9 energie je pot\u0159eba takov\u00fd krok d\u016fkladn\u011b zv\u00e1\u017eit.<\/p>\n\n\n\n 4) <\/strong>N\u00e1jemn\u00ed bydlen\u00ed ano, nebo ne?<\/strong><\/p>\n\n\n\n Zvy\u0161ov\u00e1n\u00ed n\u00e1rok\u016f na hypot\u00e9ky z\u00e1konit\u011b povede k v\u011bt\u0161\u00ed popt\u00e1vce po\u00a0n\u00e1jemn\u00edm bydlen\u00ed<\/a><\/strong>.<\/a>\u00a0P\u0159es zv\u00fd\u0161enou popt\u00e1vku v\u0161ak nelze \u010dekat, \u017ee by se st\u00e1hly ceny n\u00e1jm\u016f dol\u016f. Mnoho, p\u0159edev\u0161\u00edm mlad\u00fdch lid\u00ed, bere tento zp\u016fsob bydlen\u00ed jako svobodn\u011bj\u0161\u00ed a bez z\u00e1vazk\u016f. Nav\u00edc v\u00a0n\u00e1jmu odpadaj\u00ed povinnosti spojen\u00e9 s\u00a0\u00fadr\u017ebou a investic\u00ed do nemovitosti. P\u0159i hled\u00e1n\u00ed dlouhodob\u00e9ho pron\u00e1jmu je v\u00fdhodn\u00e9 obr\u00e1tit se na\u00a0<\/a>profesion\u00e1ln\u00ed realitn\u00ed kancel\u00e1\u0159<\/a><\/strong>, kter\u00e1 se postar\u00e1 t\u0159eba o pr\u00e1vn\u00ed servis pro ob\u011b strany.<\/p>\n\n\n\n 5) V\u00fdvoj cen nemovitost\u00ed \u2013 co \u010dekat<\/strong><\/p>\n\n\n\n Na co se tedy p\u0159ipravit, pokud uva\u017eujete o koupi vlastn\u00ed nemovitosti? Krom\u011b zp\u0159\u00edsn\u011bn\u00ed podm\u00ednek pro ud\u011blen\u00ed hypot\u00e9k odborn\u00edci p\u0159edpov\u00eddaj\u00ed, \u017ee se zv\u00fd\u0161\u00ed ceny nemovitost\u00ed obecn\u011b. P\u0159i nav\u00fd\u0161en\u00ed \u00farokov\u00fdch sazeb sice dojde ke sn\u00ed\u017een\u00ed z\u00e1jmu o vyu\u017eit\u00ed hypot\u00e9k, ceny nemovitost\u00ed ale jen tak klesat nebudou. Zv\u00fd\u0161en\u00ed poplatk\u016f za elekt\u0159inu, plyn a vodu nav\u00edc povede i ke zv\u00fd\u0161en\u00ed n\u00e1jemn\u00e9ho.<\/p>\n","protected":false},"excerpt":{"rendered":" Bydlen\u00ed ve vlastn\u00edm je snem snad ka\u017ed\u00e9ho z n\u00e1s. Bohu\u017eel ne ka\u017ed\u00fd disponuje takov\u00fdm kapit\u00e1lem, aby si tento sen mohl splnil. Nab\u00edz\u00ed se jednoduch\u00e1 odpov\u011b\u010f a to vz\u00edt si hypot\u00e9ku. To, co se d\u0159\u00edve zd\u00e1lo v\u00fdhodn\u00fdm \u0159e\u0161en\u00edm n\u00e1m v dne\u0161n\u00ed dob\u011b st\u00e1le v\u00edce unik\u00e1. Podle odborn\u00edk\u016f nav\u00edc \u010dek\u00e1 trh dal\u0161\u00ed zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb a za p\u016fj\u010den\u00ed […]<\/p>\n","protected":false},"author":1,"featured_media":19410,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[124],"tags":[],"class_list":["post-19409","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bydleni"],"_links":{"self":[{"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=\/wp\/v2\/posts\/19409","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19409"}],"version-history":[{"count":0,"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=\/wp\/v2\/posts\/19409\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=\/wp\/v2\/media\/19410"}],"wp:attachment":[{"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.seznam-novinek.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"\/](\"https:\/\/market.pryard.com\/file\/draft\/51\/tbwHWDR4YJgHCdNqnuE7GI71fNh5QscR\/istockphoto-1155851509-612x612.jpg\")
<\/figure><\/div>\n\n\n\n