[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.phgia.cz\/financovat-vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.phgia.cz\/financovat-vlastni-bydleni\/","headline":"Financovat vlastn\u00ed bydlen\u00ed?","name":"Financovat vlastn\u00ed bydlen\u00ed?","description":"Ot\u00e1zka bydlen\u00ed je velice \u010dasto sklo\u0148ov\u00e1na a tr\u00e1p\u00ed v\u00a0na\u0161\u00ed spole\u010dnosti mnoh\u00e9 z\u00a0n\u00e1s. Ani se nemus\u00ed jednat o mladou rodinu, probl\u00e9m m\u016f\u017ee nastat i v\u00a0p\u0159\u00edpad\u011b star\u0161\u00edch lid\u00ed, kte\u0159\u00ed o bydlen\u00ed p\u0159i\u0161li z\u00a0r\u016fzn\u00fdch d\u016fvod\u016f a t\u0159eba ne vlastn\u00ed vinou. \u00a0Mlad\u00e9, za\u010d\u00ednaj\u00edc\u00ed rodiny, maj\u00ed ur\u010dit\u00e9 v\u00fdhody. V\u011bt\u0161inou jsou oba man\u017eel\u00e9 ekonomicky aktivn\u00ed a tak maj\u00ed zaji\u0161t\u011bn\u00fd st\u00e1l\u00fd p\u0159\u00edjem. … ","datePublished":"2020-09-22","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.phgia.cz\/author\/#Person","name":"","url":"https:\/\/www.phgia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"phgia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.phgia.cz\/wp-content\/uploads\/img_a321978_w2037_t1533455343.jpg","url":"https:\/\/www.phgia.cz\/wp-content\/uploads\/img_a321978_w2037_t1533455343.jpg","height":0,"width":0},"url":"https:\/\/www.phgia.cz\/financovat-vlastni-bydleni\/","wordCount":501,"articleBody":"Ot\u00e1zka bydlen\u00ed je velice \u010dasto sklo\u0148ov\u00e1na a tr\u00e1p\u00ed v\u00a0na\u0161\u00ed spole\u010dnosti mnoh\u00e9 z\u00a0n\u00e1s. Ani se nemus\u00ed jednat o mladou rodinu, probl\u00e9m m\u016f\u017ee nastat i v\u00a0p\u0159\u00edpad\u011b star\u0161\u00edch lid\u00ed, kte\u0159\u00ed o bydlen\u00ed p\u0159i\u0161li z\u00a0r\u016fzn\u00fdch d\u016fvod\u016f a t\u0159eba ne vlastn\u00ed vinou.\u00a0Mlad\u00e9, za\u010d\u00ednaj\u00edc\u00ed rodiny, maj\u00ed ur\u010dit\u00e9 v\u00fdhody. V\u011bt\u0161inou jsou oba man\u017eel\u00e9 ekonomicky aktivn\u00ed a tak maj\u00ed zaji\u0161t\u011bn\u00fd st\u00e1l\u00fd p\u0159\u00edjem. I kdy\u017e na po\u0159\u00edzen\u00ed nov\u00e9ho bytu to v\u011bt\u0161inou nesta\u010d\u00ed, nab\u00edz\u00ed se v\u00edce mo\u017enost\u00ed. Mohou vyu\u017e\u00edt n\u011bkter\u00fdch hypot\u00e9k, kter\u00e9 r\u016fzn\u00e9 banky nab\u00edz\u00ed, ov\u0161em podm\u00ednky nemus\u00ed b\u00fdt v\u017edy tak v\u00fdhodn\u00e9. D\u00e1le mohou zkusit podn\u00e1jem, ale mohou tak\u00e9 zjistit okolnosti nab\u00eddky tzv. startovac\u00edch byt\u016f.Startovac\u00ed bytyV\u011bt\u0161inou to jsou malometr\u00e1\u017en\u00ed byty, obvykle 1+1 nebo 1+kk a jejich cena by m\u011bla b\u00fdt p\u0159eci jen p\u0159ijateln\u011bj\u0161\u00ed. N\u011bkte\u0159\u00ed develope\u0159i nab\u00edz\u00ed takov\u00e9 byty, ale v\u011bt\u0161inou za dost vysokou cenu, kter\u00e1 se rovn\u00e1 cen\u011b b\u011b\u017en\u00e9ho nov\u00e9ho bytu. N\u011bkter\u00e1 m\u011bsta nab\u00edz\u00ed pron\u00e1jem startovac\u00edch byt\u016f, ale za ur\u010dit\u00fdch podm\u00ednek. Nap\u0159\u00edklad je d\u016fle\u017eit\u00fd stav \u017eadatel\u016f, proto\u017ee n\u011bkter\u00e9 byty jsou ur\u010den\u00e9 pouze pro mlad\u00e9 rodiny \u010di nesezdan\u00e9 partnery s\u00a0mal\u00fdm d\u00edt\u011btem, v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech i pro rodi\u010de-samo\u017eivitele. D\u00e1le je v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech podm\u00ednkou v\u011bk \u017eadatel\u016f, trval\u00e9 bydli\u0161t\u011b atd.Pokud tito \u017eadatel\u00e9 spl\u0148uj\u00ed z\u00e1kladn\u00ed podm\u00ednky, maj\u00ed re\u00e1ln\u00fd p\u0159edpoklad z\u00edskat n\u00e1jemn\u00ed smlouvu. Tedy pokud je takov\u00fd byt nab\u00edzen v\u00a0jejich regionu. Tato smlouva v\u011bt\u0161inou b\u00fdv\u00e1 omezena na ur\u010ditou dobu, nap\u0159\u00edklad po dobu 4 let za zv\u00fdhodn\u011bn\u00e9 n\u00e1jemn\u00e9. Ka\u017ed\u00e9 m\u011bsto \u010di m\u011bstsk\u00e1 \u010d\u00e1st si stanov\u00ed sv\u00e9 podm\u00ednky. Spln\u011bn\u00edm t\u011bchto podm\u00ednek z\u00edskaj\u00ed \u017eadatel\u00e9 \u010das a mo\u017enost se \u201epostavit na vlastn\u00ed nohy\u201c. A postupem \u010dasu za\u010d\u00edt p\u0159em\u00fd\u0161let o vlastn\u00edm bydlen\u00ed.Z\u00e1v\u011brVe v\u00fdsledku tedy zji\u0161\u0165ujeme, \u017ee nab\u00eddka startovac\u00edch byt\u016f je v\u00a0za\u010d\u00e1tc\u00edch spole\u010dn\u00e9ho \u017eivota pro mnoh\u00e9 mlad\u00e9 ur\u010dit\u011b velice v\u00fdhodn\u00e1. Dle pr\u016fzkumu je up\u0159ednost\u0148ov\u00e1na p\u0159ed podn\u00e1jmem, kter\u00fd b\u00fdv\u00e1 v\u011bt\u0161inou dost finan\u010dn\u011b nev\u00fdhodn\u00fd. Bohu\u017eel tyto byty nejsou nab\u00edzeny v\u00a0ka\u017ed\u00e9 lokalit\u011b, v\u00a0ka\u017ed\u00e9m m\u011bst\u011b. Ale ur\u010dit\u011b by m\u011bly b\u00fdt co nej\u010dast\u011bji nab\u00edzeny jako z\u00e1klad pro vstup do rodinn\u00e9ho \u017eivota.Snad se brzy do\u010dk\u00e1me t\u00e9 doby, kdy mlad\u00ed budou moci bez obav pl\u00e1novat sv\u016fj budouc\u00ed \u017eivot a nebudou tak z\u00e1visl\u00ed na sv\u00fdch rodi\u010d\u00edch.                                                                                                                                                                                                                                                                                                                                                                                        4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Financovat vlastn\u00ed bydlen\u00ed?","item":"https:\/\/www.phgia.cz\/financovat-vlastni-bydleni\/#breadcrumbitem"}]}]