[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eberunka.cz\/chcete-bydlet-ve-svem\/#Article","mainEntityOfPage":"https:\/\/www.eberunka.cz\/chcete-bydlet-ve-svem\/","headline":"Chcete bydlet ve sv\u00e9m?","name":"Chcete bydlet ve sv\u00e9m?","description":"Ceny bydlen\u00ed prudce rostou Ka\u017ed\u00fdm rokem se bydlen\u00ed zdra\u017euje, co\u017e znamen\u00e1, \u017ee si ho m\u016f\u017ee dovolit st\u00e1le m\u00e9n\u011b lid\u00ed. I p\u0159esto z\u00e1jem o bydlen\u00ed v osobn\u00edm vlastnictv\u00ed nekles\u00e1, ale kv\u016fli cen\u00e1m roste po\u010det lid\u00ed, kte\u0159\u00ed si mus\u00ed na vlastn\u00ed bydlen\u00ed... <a class=\"more-link\" href=\"https:\/\/www.eberunka.cz\/chcete-bydlet-ve-svem\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2025-06-06","dateModified":"2025-06-06","author":{"@type":"Person","@id":"https:\/\/www.eberunka.cz\/author\/#Person","name":"","url":"https:\/\/www.eberunka.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eberunka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.eberunka.cz\/wp-content\/uploads\/money-7881948_640_10_10_10_10_5.jpg","url":"https:\/\/www.eberunka.cz\/wp-content\/uploads\/money-7881948_640_10_10_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.eberunka.cz\/chcete-bydlet-ve-svem\/","about":["Finance"],"wordCount":427,"articleBody":"      Ceny bydlen\u00ed prudce rostou Ka\u017ed\u00fdm rokem se bydlen\u00ed zdra\u017euje, co\u017e znamen\u00e1, \u017ee si ho m\u016f\u017ee dovolit st\u00e1le m\u00e9n\u011b lid\u00ed. I p\u0159esto z\u00e1jem o bydlen\u00ed v osobn\u00edm vlastnictv\u00ed nekles\u00e1, ale kv\u016fli cen\u00e1m roste po\u010det lid\u00ed, kte\u0159\u00ed si mus\u00ed na vlastn\u00ed bydlen\u00ed br\u00e1t hypot\u00e9ku. Ta je pro v\u011bt\u0161inu lid\u00ed jedin\u00fdm zp\u016fsobem, jak si vlastn\u00ed bydlen\u00ed po\u0159\u00eddit. I kdy\u017e ka\u017ed\u00fd netou\u017e\u00ed po tom zav\u00e1zat se ke spl\u00e1cen\u00ed mnohamilionov\u00e9ho \u00fav\u011bru na des\u00edtky let, kdo chce dnes bydlet ve sv\u00e9m, nem\u00e1 jinou mo\u017enost.O hypot\u00e9ky si lid\u00e9 chod\u00ed \u017e\u00e1dat p\u0159edev\u0161\u00edm do banky, ale banky maj\u00ed pom\u011brn\u011b p\u0159\u00edsn\u00e9 podm\u00ednky, kter\u00e9 je pot\u0159eba splnit. Mezi n\u011b pat\u0159\u00ed i pom\u011brn\u011b problematick\u00e1 novinka v podob\u011b nutnosti m\u00edt naspo\u0159enou \u010d\u00e1st pen\u011bz a nebo m\u00edt t\u0159eba nemovitost k rekonstrukci. 100% hypot\u00e9ky u\u017e se ned\u00e1vaj\u00ed, a tak lidem nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e n\u011bkolik let \u0161et\u0159it a doufat, \u017ee jim nakonec \u017e\u00e1dost banka schv\u00e1l\u00ed. Vzhledem k tomu, jak\u00e1 je v \u010cesku inflace a jak se propadaj\u00ed re\u00e1ln\u00e9 p\u0159\u00edjmy, banky neposkytnou hypot\u00e9ku ka\u017ed\u00e9mu. Jak to vypad\u00e1 s hypot\u00e9kami? A budou je banky schvalovat za st\u00e1le p\u0159\u00edsn\u011bj\u0161\u00edch podm\u00ednek?Pro v\u011bt\u0161inu lid\u00ed je u hypot\u00e9ky stra\u0161\u00e1kem \u00farokov\u00e1 sazba. Ta se v pr\u016fb\u011bhu let m\u011bn\u00ed, a pokud klientovi skon\u010d\u00ed fixace, m\u016f\u017ee o\u010dek\u00e1vat zv\u00fd\u0161en\u00ed \u00farok\u016f. Ke sni\u017eov\u00e1n\u00ed doch\u00e1z\u00ed v mnohem men\u0161\u00edm procentu p\u0159\u00edpad\u016f. Proto nen\u00ed dobr\u00fd n\u00e1pad cht\u00edt hypot\u00e9ku za ka\u017edou cenu, proto\u017ee i men\u0161\u00ed zv\u00fd\u0161en\u00ed \u00farok\u016f m\u016f\u017ee znamenat n\u011bkolik tis\u00edc korun m\u011bs\u00ed\u010dn\u011b ve spl\u00e1tce nav\u00edc. Banky zat\u00edm poskytuj\u00ed hypot\u00e9ky, jak byly zvykl\u00e9, ale nelze o\u010dek\u00e1vat, \u017ee se podm\u00ednky nebudou m\u011bnit. I kdy\u017e dnes t\u00e9m\u011b\u0159 ka\u017ed\u00fd stav\u00ed d\u00edky hypot\u00e9ce, m\u016f\u017ee se to rychle zm\u011bnit. Na v\u00fdvoj hypot\u00e9k m\u00e1 vliv cel\u00e1 \u0159ada faktor\u016f. N\u011bkte\u0159\u00ed odborn\u00edci varuj\u00ed p\u0159ed krachem, jako jsme za\u017eili v roce 2008, kdy realitn\u00ed trh spadl doslova na dno. U n\u00e1s se to tolik neprojevilo, ale v USA spadly ceny nemovitost\u00ed na minimum. Zd\u00e1nliv\u011b je to skv\u011bl\u00e1 zpr\u00e1va, ale v kone\u010dn\u00e9m d\u016fsledku na to doplat\u00ed op\u011bt jen lid\u00e9 s hypot\u00e9kami.                                                                                                                                                                                                                                                                                                                                                                                          4.8\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete bydlet ve sv\u00e9m?","item":"https:\/\/www.eberunka.cz\/chcete-bydlet-ve-svem\/#breadcrumbitem"}]}]