{"id":759,"date":"2023-03-22T20:28:02","date_gmt":"2023-03-22T19:28:02","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=759"},"modified":"2023-03-22T20:28:04","modified_gmt":"2023-03-22T19:28:04","slug":"hypoteka-versus-najem-co-se-vic-vyplati","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=759","title":{"rendered":"Hypot\u00e9ka versus n\u00e1jem: co se v\u00edc vyplat\u00ed?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">V \u00fanoru tohoto roku objem poskytnut\u00fdch hypot\u00e9k meziro\u010dn\u011b klesl o 16 %. \u00darokov\u00e9 sazby jsou vysok\u00e9, vidina v\u00fdhodn\u00fdch hypot\u00e9k nejen pro mlad\u00e9 je v nedohlednu. Mnoho z nich tak sv\u00e9 vlastn\u00ed bydlen\u00ed odkl\u00e1d\u00e1 a p\u0159esouv\u00e1 se do n\u00e1jmu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Drah\u00e9 hypot\u00e9ky a zv\u00fd\u0161en\u00fd z\u00e1jem o n\u00e1jemn\u00ed bydlen\u00ed umo\u017e\u0148uje pronaj\u00edmatel\u016fm byt\u016f zvy\u0161ovat ceny. Pr\u016fm\u011brn\u00e9 n\u00e1jemn\u00e9 v Praze dnes stoj\u00ed o 6 tis\u00edc v\u00edc, ne\u017e p\u0159ed rokem. Bydlen\u00ed v \u010cesku je \u010d\u00edm d\u00e1l v\u00edc nedostupn\u00e9 \u2013 hypot\u00e9ka, nebo n\u00e1jem? Co se v\u00edc vyplat\u00ed?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Centr\u00e1ln\u00ed banka zp\u0159\u00edsnila podm\u00ednky pro hypot\u00e9ky<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cNB na ja\u0159e lo\u0148sk\u00e9ho roku zp\u0159\u00edsnila podm\u00ednky pro poskytov\u00e1n\u00ed hypot\u00e9k. Tento krok byl dal\u0161\u00edm d\u00edlkem k hor\u0161\u00ed dostupnosti bydlen\u00ed v \u010cesku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podm\u00ednky pro poskytnut\u00ed hypot\u00e9ky pro mlad\u00e9 do 36 let z\u016fst\u00e1vaj\u00ed, star\u0161\u00edm \u017eadatel\u016fm banka podm\u00ednky lehce zp\u0159\u00edsnila. Jak\u00e9 to jsou?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>LTV <\/strong>(p\u016fj\u010den\u00e1 hodnota) \u2013 mlad\u0161\u00ed 36 let maj\u00ed LTV 90 %, star\u0161\u00ed jen 80 %<\/li>\n\n\n\n<li><strong>DTI <\/strong>(maxim\u00e1ln\u00ed mo\u017en\u00e9 zadlu\u017een\u00ed) \u2013 u mlad\u0161\u00edch 36 let se jedn\u00e1 o 9,5n\u00e1sobek \u010dist\u00fdch p\u0159\u00edjm\u016f, u star\u0161\u00edch jen 8,5n\u00e1sobek<\/li>\n\n\n\n<li><strong>DSTI<\/strong> (maxim\u00e1ln\u00ed spl\u00e1tka z \u010dist\u00fdch p\u0159\u00edjm\u016f) \u2013 u mlad\u0161\u00edch 36 let jde o 50 %, u star\u0161\u00edch jen 45 %<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Hypot\u00e9ka jako investice<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud v\u0161ak m\u00e1te naspo\u0159eno alespo\u0148 na z\u00e1klad pro poskytnut\u00ed hypote\u010dn\u00edho \u00fav\u011bru, nezahazujte mo\u017enost po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed rovnou do ko\u0161e. \u00dav\u011br se st\u00e1le m\u016f\u017ee vyplatit. Nejv\u00fdhodn\u011bj\u0161\u00ed hypot\u00e9ka to asi chv\u00edli nebude, ale p\u0159i kr\u00e1tk\u00e9 fixaci se \u010dasem koup\u011b vlastn\u00ed nemovitosti m\u016f\u017ee vyplatit. Pro\u010d?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investujete do sv\u00e9ho. M\u00e1te nemovitost v soukrom\u00e9m vlastnictv\u00ed.<\/li>\n\n\n\n<li>Byt m\u016f\u017eete pronaj\u00edmat.<\/li>\n\n\n\n<li>Zabezpe\u010den\u00ed a jistota na st\u00e1\u0159\u00ed, ale tak\u00e9 pro potomky do budoucna.<\/li>\n\n\n\n<li>S nemovitost\u00ed si m\u016f\u017eete d\u011blat co chcete.<\/li>\n\n\n\n<li>Z da\u0148ov\u00e9ho z\u00e1kladu si m\u016f\u017eete uplatnit odpo\u010det \u00farok\u016f z hypot\u00e9ky.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Samoz\u0159ejm\u011b najdeme i \u0159adu nev\u00fdhod:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>P\u0159i pron\u00e1jmu neexistuje garantovan\u00fd n\u00e1jem. Pozor na to, komu nemovitost pronaj\u00edm\u00e1te!<\/li>\n\n\n\n<li>Hypot\u00e9ka je z\u00e1vazek na des\u00edtky let.<\/li>\n\n\n\n<li>Vlastn\u00ed nemovitost m\u016f\u017ee b\u00fdt svazuj\u00edc\u00ed. Nejste tak flexibiln\u00ed jako v p\u0159\u00edpad\u011b n\u00e1jmu.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>N\u00e1jem nab\u00edz\u00ed flexibilitu i n\u00edzk\u00e9 n\u00e1klady<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cesk\u00e1 republika pat\u0159\u00ed mezi zem\u011b, kde vlastn\u00ed bydlen\u00ed dominuje. Podle dat Eurostatu jen 20 % obyvatel bydl\u00ed v n\u00e1jmu. Zda se zvyky \u010cech\u016f v souvislosti s ekonomickou kriz\u00ed zm\u011bn\u00ed, se je\u0161t\u011b uvid\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak\u00e9 jsou v\u00fdhody bydlen\u00ed v n\u00e1jmu?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00e1te v\u011bt\u0161\u00ed flexibilitu.<\/li>\n\n\n\n<li>Je levn\u011bj\u0161\u00ed na \u00fadr\u017ebu.<\/li>\n\n\n\n<li>Je vhodn\u00fd pro ty, co nemaj\u00ed na\u0161et\u0159en\u00fd z\u00e1klad pro hypot\u00e9ku.<\/li>\n\n\n\n<li>Neplat\u00edte dan\u011b spojen\u00e9 s vlastnictv\u00edm nemovitosti.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Stejn\u011b jako s vlastn\u00edm bydlen\u00edm na hypot\u00e9ku, i s n\u00e1jmem se poj\u00ed i \u0159ada nev\u00fdhod:<br><br><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nejistota, zda v\u00e1m majitel nemovitosti prodlou\u017e\u00ed smlouvu.<\/li>\n\n\n\n<li>Neinvestujete pen\u00edze \u201cdo sv\u00e9ho\u201d.<\/li>\n\n\n\n<li>Pravd\u011bpodobn\u011b nebudete moct d\u011blat velk\u00e9 \u00fapravy na nemovitosti.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Spo\u010d\u00edtejte si, co se v\u00e1m vyplat\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u0165 u\u017e se rozhodnete jakkoliv, d\u016fle\u017eit\u00e9 je \u0159\u00eddit se nejen sv\u00fdmi pocity, ale tak\u00e9 \u010d\u00edsly. Zjist\u011bte si, na kolik vych\u00e1z\u00ed pr\u016fm\u011brn\u00fd n\u00e1jem ve va\u0161\u00ed oblasti a porovnejte, <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\"><u>na kolik by v\u00e1s p\u0159i\u0161la<\/u><\/a> hypot\u00e9ka.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V \u00fanoru tohoto roku objem poskytnut\u00fdch hypot\u00e9k meziro\u010dn\u011b klesl o 16 %. \u00darokov\u00e9 sazby jsou vysok\u00e9, vidina v\u00fdhodn\u00fdch hypot\u00e9k nejen pro mlad\u00e9 je v nedohlednu. Mnoho z nich tak sv\u00e9 vlastn\u00ed bydlen\u00ed odkl\u00e1d\u00e1 a p\u0159esouv\u00e1 se do n\u00e1jmu. Drah\u00e9 hypot\u00e9ky a zv\u00fd\u0161en\u00fd z\u00e1jem o n\u00e1jemn\u00ed bydlen\u00ed umo\u017e\u0148uje pronaj\u00edmatel\u016fm byt\u016f zvy\u0161ovat ceny. Pr\u016fm\u011brn\u00e9 n\u00e1jemn\u00e9 v Praze [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":760,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-759","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualne"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/759","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=759"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/759\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/760"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=759"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=759"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=759"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}