[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.itouch.cz\/byt-nemusi-byt-vlastni\/#Article","mainEntityOfPage":"https:\/\/www.itouch.cz\/byt-nemusi-byt-vlastni\/","headline":"Byt nemus\u00ed b\u00fdt vlastn\u00ed","name":"Byt nemus\u00ed b\u00fdt vlastn\u00ed","description":"I kdy\u017e je bydlen\u00ed ve vlastn\u00edm dom\u011b nebo byt\u011b ide\u00e1ln\u00edm \u0159e\u0161en\u00edm, p\u0159esto tak mnoz\u00ed z na\u0161inc\u016f dosud nebydl\u00ed a z\u0159ejm\u011b ani nikdy bydlet nebudou. Ne proto, \u017ee by tito sv\u016fj vlastn\u00ed objekt k bydlen\u00ed necht\u011bli, ale proto, \u017ee na n\u011bj jednodu\u0161e nemaj\u00ed. Koupit si vlastn\u00ed nemovitost toti\u017e znamen\u00e1 vynalo\u017eit natolik z\u00e1vratnou \u010d\u00e1stku, \u017ee by na […]","datePublished":"2021-06-21","dateModified":"2021-06-21","author":{"@type":"Person","@id":"https:\/\/www.itouch.cz\/author\/#Person","name":"","url":"https:\/\/www.itouch.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"itouch.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.itouch.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20eur_5.jpg","url":"https:\/\/www.itouch.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20eur_5.jpg","height":0,"width":0},"url":"https:\/\/www.itouch.cz\/byt-nemusi-byt-vlastni\/","wordCount":416,"articleBody":"       I kdy\u017e je bydlen\u00ed ve vlastn\u00edm dom\u011b nebo byt\u011b ide\u00e1ln\u00edm \u0159e\u0161en\u00edm, p\u0159esto tak mnoz\u00ed z na\u0161inc\u016f dosud nebydl\u00ed a z\u0159ejm\u011b ani nikdy bydlet nebudou. Ne proto, \u017ee by tito sv\u016fj vlastn\u00ed objekt k bydlen\u00ed necht\u011bli, ale proto, \u017ee na n\u011bj jednodu\u0161e nemaj\u00ed. Koupit si vlastn\u00ed nemovitost toti\u017e znamen\u00e1 vynalo\u017eit natolik z\u00e1vratnou \u010d\u00e1stku, \u017ee by na to norm\u00e1ln\u00ed \u010dlov\u011bk \u0161et\u0159il cel\u00fd \u017eivot, a p\u0159esto by se j\u00ed mo\u017en\u00e1 nikdy nedo\u010dkal. A p\u016fj\u010dit si na n\u011bco takov\u00e9ho sice lze, ale pak se zase mus\u00ed spl\u00e1cet, a ani na to pochopiteln\u011b leckdo z n\u00e1s nem\u00e1.A m\u011bli by tak ti m\u00e9n\u011b solventn\u00ed z na\u0161ich \u0159ad vzd\u00e1t sv\u00e9 sna\u017een\u00ed? M\u011bli by rezignovat na nad\u011bji, \u017ee budou m\u00edt n\u011bkdy p\u0159\u00edbytek, ze kter\u00e9ho je nikdo nikdy nevy\u017eene ani po nich nebude cht\u00edt p\u0159emr\u0161t\u011bn\u00e9 platby?Nemus\u00ed tomu tak b\u00fdt. Ono je toti\u017e mo\u017en\u00e9 vz\u00edt si hypot\u00e9ku, tedy p\u016fj\u010dku na bydlen\u00ed, u n\u00ed\u017e dostane \u010dlov\u011bk pro tento \u00fa\u010del zna\u010dnou sumu pen\u011bz, je\u017e potom po dlouhou \u0159adu let spl\u00e1c\u00ed. A pokud je na tom snad n\u011bkdo tak, \u017ee ani takovou hypot\u00e9ku na vlastn\u00ed nemovitost nedostane? Pak tak\u00e9 je\u0161t\u011b nen\u00ed konec v\u0161em nad\u011bj\u00edm. Na hypot\u00e9ku se toti\u017e d\u00e1 n\u011bkdy po\u0159\u00eddit i dru\u017estevn\u00ed byt.Jenom je t\u0159eba si uv\u011bdomit jedno. A sice \u017ee hypot\u00e9ka dru\u017estevn\u00ed byt Fahd z\u010d\u00e1sti zaplatit m\u016f\u017ee, ale jen tak se nese\u017eene a nem\u00e1 ani takov\u00e9 parametry, jak\u00e9 m\u00e1 hypot\u00e9ka b\u011b\u017en\u00e1.Na dru\u017estevn\u00ed byt se tu p\u016fj\u010duje jenom men\u0161\u00ed \u010d\u00e1st jeho ceny, ne\u017e s jakou lze po\u010d\u00edtat u hypot\u00e9k na objekty soukrom\u00e9, a \u010dlov\u011bk tak mus\u00ed d\u00e1t v\u011bt\u0161\u00ed pod\u00edl ze sv\u00e9ho. Je tomu tak proto, \u017ee dru\u017estevn\u00ed byt tomu, kdo si ho kupuje, vlastn\u011b nepat\u0159\u00ed, \u017ee se takov\u00fd kupuj\u00edc\u00ed st\u00e1v\u00e1 pouze majitelem pod\u00edlu na cel\u00e9m dru\u017estevn\u00edm objektu, co\u017e pon\u011bkud komplikuje situaci v p\u0159\u00edpad\u011b, kdy nen\u00ed hypot\u00e9ka \u0159\u00e1dn\u011b spl\u00e1cena.Ale proto\u017ee jsou dru\u017estevn\u00ed byty levn\u011bj\u0161\u00ed ne\u017e ty soukrom\u00e9, m\u016f\u017ee b\u00fdt i toto \u0159e\u0161en\u00ed v\u00fdhodn\u00e9, daleko dostupn\u011bj\u0161\u00ed pro ty, kdo by si soukromou nemovitost dovolit nemohli.                                                                                                                                                                                                                                                                                                                                                                                                  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