{"id":2576,"date":"2025-05-06T10:08:35","date_gmt":"2025-05-06T09:08:35","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2576"},"modified":"2025-05-06T10:12:34","modified_gmt":"2025-05-06T09:12:34","slug":"investice-do-nemovitosti","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/investice-do-nemovitosti\/","title":{"rendered":"Investice do nemovitosti: vyplat\u00ed se? Praktick\u00fd pr\u016fvodce pro ka\u017ed\u00e9ho, kdo to mysl\u00ed v\u00e1\u017en\u011b"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>D\u00e1v\u00e1 investice do nemovitosti v roce 2025 smysl? Ano, ale u\u017e ne pro ka\u017ed\u00e9ho a ne za ka\u017edou cenu. Dne\u0161n\u00ed realitn\u00ed trh je o pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed ne\u017e d\u0159\u00edv. \u00dasp\u011b\u0161n\u00e1 investice vy\u017eaduje znalosti, \u010das, rezervy a trp\u011blivost. Pokud ale investujete chyt\u0159e, s dlouhodob\u00fdm v\u00fdhledem a realistick\u00fdm o\u010dek\u00e1v\u00e1n\u00edm, m\u016f\u017ee b\u00fdt nemovitost stabiln\u00edm pil\u00ed\u0159em va\u0161eho finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-co-se-zm-nilo-realitn-trh-u-nen-zaru-en-v-d-lek\">Co se zm\u011bnilo? Realitn\u00ed trh u\u017e nen\u00ed \u201ezaru\u010den\u00fd v\u00fdd\u011blek\u201c<\/a><\/li><li class=\"\"><a href=\"#htoc-kdo-dnes-investuje-do-nemovitosti-a-pro\">Kdo dnes investuje do nemovitosti a pro\u010d?<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-byt-m-dnes-smysl-kupovat\">Jak\u00fd byt m\u00e1 dnes smysl kupovat?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-hypot-ka-jako-n-stroj-investice-do-nemovitosti-ale-ne-pro-ka-d-ho\">Hypot\u00e9ka jako n\u00e1stroj investice do nemovitosti \u2013 ale ne pro ka\u017ed\u00e9ho<\/a><\/li><li class=\"\"><a href=\"#htoc-praktick-rady-pro-v-b-r-investi-n-ho-bytu\">Praktick\u00e9 rady pro v\u00fdb\u011br investi\u010dn\u00edho bytu<\/a><\/li><li class=\"\"><a href=\"#htoc-co-investo-i-asto-p-ehl-ej\">Co investo\u0159i \u010dasto p\u0159ehl\u00ed\u017eej\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-investi-n-byt-na-hypot-ku-pro-d-v-dlouhodob-smysl\">Investi\u010dn\u00ed byt na hypot\u00e9ku: pro\u010d d\u00e1v\u00e1 dlouhodob\u011b smysl<\/a><\/li><li class=\"\"><a href=\"#htoc-ot-zky-kter-asto-investo-i-do-nemovitosti-e\">Ot\u00e1zky, kter\u00e9 investo\u0159i \u0159e\u0161\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-zva-ujete-investici-do-nemovitosti-ale-nejste-si-jisti\">Zva\u017eujete investici do nemovitosti, ale nejste si jisti?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-se-zm-nilo-realitn-trh-u-nen-zaru-en-v-d-lek\"><strong>Co se zm\u011bnilo? Realitn\u00ed trh u\u017e nen\u00ed \u201ezaru\u010den\u00fd v\u00fdd\u011blek\u201c<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zat\u00edmco p\u0159ed n\u011bkolika lety byly investice do nemovitosti tak\u0159ka automatickou volbou, dnes se situace v\u00fdrazn\u011b zm\u011bnila.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-ceny-nemovitost-z-st-vaj-vysok-zejm-na-ve-velk-ch-m-stech\"><strong>Ceny nemovitost\u00ed<\/strong> z\u016fst\u00e1vaj\u00ed vysok\u00e9, zejm\u00e9na ve velk\u00fdch m\u011bstech.<\/li>\n\n\n\n<li id=\"htoc-hypot-ky-jsou-st-le-drah-i-kdy-sazby-m-rn-klesly\"><strong>Hypot\u00e9ky jsou st\u00e1le drah\u00e9<\/strong>, i kdy\u017e sazby m\u00edrn\u011b klesly.<\/li>\n\n\n\n<li id=\"htoc-v-nosy-z-n-jmu-nejsou-zdaleka-tak-atraktivn-jako-d-v\"><strong>V\u00fdnosy z n\u00e1jmu nejsou zdaleka tak atraktivn\u00ed<\/strong> jako d\u0159\u00edv.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1jem o investi\u010dn\u00ed byty p\u0159esto nezmizel \u2013 jen se prom\u011bnil. Dne\u0161n\u00ed investo\u0159i jsou uv\u00e1\u017eliv\u011bj\u0161\u00ed, kombinuj\u00ed vlastn\u00ed kapit\u00e1l s hypot\u00e9kou a \u010dasto pl\u00e1nuj\u00ed do budoucna: byt pronaj\u00edmaj\u00ed te\u010f, ale za 10\u201315 let ho cht\u011bj\u00ed vyu\u017e\u00edt pro d\u011bti nebo na d\u016fchod.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdo-dnes-investuje-do-nemovitosti-a-pro\"><strong>Kdo dnes investuje do nemovitosti a pro\u010d?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Bonitn\u00ed dom\u00e1cnosti a podnikatel\u00e9<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maj\u00ed vlastn\u00ed \u00faspory a hledaj\u00ed stabiln\u00ed zp\u016fsob, jak ochr\u00e1nit hodnotu pen\u011bz. \u010casto pro n\u011b nen\u00ed prioritou co nejvy\u0161\u0161\u00ed v\u00fdnos, ale jistota a dlouhodob\u00fd horizont.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Rodi\u010de mysl\u00edc\u00ed na budoucnost<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Koup\u00ed byt dnes, pronaj\u00edmaj\u00ed ho, ale jejich hlavn\u00edm c\u00edlem je pomoci d\u011btem v budoucnu nebo si zajistit vlastn\u00ed bydlen\u00ed na st\u00e1\u0159\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfe1 P\u0159e\u010dt\u011bte si tak\u00e9 o tom, <a href=\"https:\/\/www.fingo.cz\/blog\/vlastni-bydleni-pro-deti-jak-jim-na-nej-nasetrit\/\">jak na\u0161et\u0159it na vlastn\u00ed bydlen\u00ed pro va\u0161e d\u011bti<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Investo\u0159i diverzifikuj\u00edc\u00ed portfolio<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nehledaj\u00ed \u201ezlat\u00fd d\u016fl\u201c, ale stabiln\u00ed sou\u010d\u00e1st investi\u010dn\u00edho mixu vedle akci\u00ed, dluhopis\u016f nebo zlata.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-byt-m-dnes-smysl-kupovat\"><strong>Jak\u00fd byt m\u00e1 dnes smysl kupovat?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nej\u010dast\u011bj\u0161\u00ed investice do nemovitosti: mal\u00e9 byty v dobr\u00e9 lokalit\u011b<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-1-kk-nebo-2-kk-ide-ln-s-balkonem-sklepem-a-dostupnost-mhd\">1+kk nebo 2+kk, ide\u00e1ln\u011b s balkonem, sklepem, a dostupnost\u00ed MHD.<\/li>\n\n\n\n<li id=\"htoc-ni-po-izovac-cena-ni-riziko\">Ni\u017e\u0161\u00ed po\u0159izovac\u00ed cena = ni\u017e\u0161\u00ed riziko.<\/li>\n\n\n\n<li id=\"htoc-lep-pom-r-n-kupn-ceny-a-n-jmu-vy-v-nos\">Lep\u0161\u00ed pom\u011br n\u00e1kupn\u00ed ceny a n\u00e1jmu = vy\u0161\u0161\u00ed v\u00fdnos.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u011bt\u0161\u00ed byty (3+kk a v\u00edc) u\u017e \u010dasto ned\u00e1vaj\u00ed ekonomick\u00fd smysl. N\u00e1klady jsou vy\u0161\u0161\u00ed, v\u00fdnosy ni\u017e\u0161\u00ed a z\u00e1jemci o pron\u00e1jem m\u00e9n\u011b \u010dast\u00ed.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udc49 St\u00e1le \u010dek\u00e1te na vhodn\u00fd investi\u010dn\u00ed byt? Vy\u0159i\u010fte si zat\u00edm <a href=\"https:\/\/www.fingo.cz\/blog\/hypoteka-bez-nemovitosti-vyhoda-pro-kupce-bydleni-i-investory\/\">hypot\u00e9ku bez nemovitosti<\/a>, a\u0165 m\u00e1te n\u00e1skok p\u0159ed dal\u0161\u00edmi kupuj\u00edc\u00edmi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-kde-koupit-investi-n-byt\"><strong>Kde koupit investi\u010dn\u00ed byt?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Praha, Brno \u2013 stabilita a jistota<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-ni-v-nos-cca-3-4-ro-n-ale-stabiln-popt-vka-a-ni-riziko-probl-mov-ch-n-jemn-k\">Ni\u017e\u0161\u00ed v\u00fdnos (cca 3\u20134 % ro\u010dn\u011b), ale stabiln\u00ed popt\u00e1vka a ni\u017e\u0161\u00ed riziko probl\u00e9mov\u00fdch n\u00e1jemn\u00edk\u016f.<\/li>\n\n\n\n<li id=\"htoc-skv-l-volba-pro-prvn-investici-nebo-dlouhodob-zaji-t-n\">Skv\u011bl\u00e1 volba pro prvn\u00ed investici nebo dlouhodob\u00e9 zaji\u0161t\u011bn\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Krajsk\u00e1 m\u011bsta \u2013 kompromis mezi v\u00fdnosem a rizikem<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-nap-klad-plze-olomouc-hradec-kr-lov\">Nap\u0159\u00edklad Plze\u0148, Olomouc, Hradec Kr\u00e1lov\u00e9.<\/li>\n\n\n\n<li id=\"htoc-vy-v-nos-mo-n-ale-z-le-na-lokalit-a-typu-n-jemn-k\">Vy\u0161\u0161\u00ed v\u00fdnos mo\u017en\u00fd, ale z\u00e1le\u017e\u00ed na lokalit\u011b a typu n\u00e1jemn\u00edk\u016f.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Levn\u011bj\u0161\u00ed regiony \u2013 pozor na rizika<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-nap-severn-morava-nebo-severn-echy\">Nap\u0159. severn\u00ed Morava nebo severn\u00ed \u010cechy.<\/li>\n\n\n\n<li id=\"htoc-n-zk-po-izovac-ceny-ale-asto-ni-kvalita-n-jemn-k-a-riziko-neobsazenosti\">N\u00edzk\u00e9 po\u0159izovac\u00ed ceny, ale \u010dasto ni\u017e\u0161\u00ed kvalita n\u00e1jemn\u00edk\u016f a riziko neobsazenosti.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-a2379e504e74d28e61457b2f84db1a76 wp-block-paragraph\"><strong>TIP:<\/strong> Rozumn\u00fd kompromis m\u016f\u017ee b\u00fdt men\u0161\u00ed byt ve st\u0159edn\u011b velk\u00e9m m\u011bst\u011b s univerzitou nebo siln\u00fdm zam\u011bstnavatelem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-hypot-ka-jako-n-stroj-investice-do-nemovitosti-ale-ne-pro-ka-d-ho\"><strong>Hypot\u00e9ka jako n\u00e1stroj investice do nemovitosti \u2013 ale ne pro ka\u017ed\u00e9ho<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">Hypot\u00e9ka<\/a> m\u016f\u017ee i dnes d\u00e1vat smysl, pokud:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-m-te-vlastn-kapit-l-na-dofinancov-n\">m\u00e1te <strong>vlastn\u00ed kapit\u00e1l<\/strong> na dofinancov\u00e1n\u00ed,<\/li>\n\n\n\n<li id=\"htoc-po-t-te-s-t-m-e-n-jem-nepokryje-celou-spl-tku\">po\u010d\u00edt\u00e1te s t\u00edm, \u017ee n\u00e1jem <strong>nepokryje celou spl\u00e1tku<\/strong>,<\/li>\n\n\n\n<li id=\"htoc-jste-p-ipraveni-na-v-kyvy-vy-sazby-v-padek-n-jemn-ka-ne-ekan-opravy\">jste p\u0159ipraveni na v\u00fdkyvy \u2013 vy\u0161\u0161\u00ed sazby, v\u00fdpadek n\u00e1jemn\u00edka, ne\u010dekan\u00e9 opravy.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdhodou je <strong>finan\u010dn\u00ed p\u00e1ka<\/strong> \u2013 investujete v\u00edce pen\u011bz, ne\u017e aktu\u00e1ln\u011b m\u00e1te. Nav\u00edc inflace \u010dasem \u201esn\u00ed\u017e\u00ed\u201c re\u00e1lnou hodnotu dluhu. Ale pozor: bez rezerv a spr\u00e1vn\u00e9ho propo\u010dtu m\u016f\u017ee b\u00fdt hypot\u00e9ka rizikem, ne v\u00fdhodou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version6\" allowfullscreen=\"\" scrolling=\"1\" style=\"\" onload=\"iframeLoaded()\" id=\"dynamicIframeHeight\" width=\"100%\" height=\"640\" frameborder=\"0\"><\/iframe>\n\n<script>\n\nconst iframe = document.getElementById('dynamicIframeHeight');\n\niframe.src = iframe.src + window.location.search;\n\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-praktick-rady-pro-v-b-r-investi-n-ho-bytu\"><strong>Praktick\u00e9 rady pro v\u00fdb\u011br investi\u010dn\u00edho bytu<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-lokalita-rozhoduje-dostupnost-popt-vka-po-n-jmu-n-zk-kriminalita\"><strong>Lokalita rozhoduje<\/strong> \u2013 dostupnost, popt\u00e1vka po n\u00e1jmu, n\u00edzk\u00e1 kriminalita.<\/li>\n\n\n\n<li id=\"htoc-n-zk-provozn-n-klady-fond-oprav-spr-va-energie\"><strong>N\u00edzk\u00e9 provozn\u00ed n\u00e1klady<\/strong> \u2013 fond oprav, spr\u00e1va, energie.<\/li>\n\n\n\n<li id=\"htoc-dan-a-z-konn-povinnosti-po-tejte-s-da-ovou-povinnost-z-pron-jmu\"><strong>Dan\u011b a z\u00e1konn\u00e9 povinnosti<\/strong> \u2013 po\u010d\u00edtejte s da\u0148ovou povinnost\u00ed z pron\u00e1jmu.<\/li>\n\n\n\n<li id=\"htoc-diverzifikace-nes-zejte-v-e-na-jednu-kartu-nemovitost-by-m-la-b-t-sou-st-ir-ho-investi-n-ho-portfolia\"><strong>Diverzifikace<\/strong> \u2013 nes\u00e1zejte v\u0161e na jednu kartu, nemovitost by m\u011bla b\u00fdt sou\u010d\u00e1st\u00ed \u0161ir\u0161\u00edho investi\u010dn\u00edho portfolia.<\/li>\n\n\n\n<li id=\"htoc-pl-nujte-sc-n-e-optimistick-realistick-i-krizov-v-voj\"><strong>Pl\u00e1nujte sc\u00e9n\u00e1\u0159e<\/strong> \u2013 optimistick\u00fd, realistick\u00fd i krizov\u00fd v\u00fdvoj.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-investo-i-asto-p-ehl-ej\"><strong>Co investo\u0159i \u010dasto p\u0159ehl\u00ed\u017eej\u00ed?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. \u010casov\u00e1 n\u00e1ro\u010dnost<\/strong> investice do nemovitosti<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investi\u010dn\u00ed byt nen\u00ed \u201ebezpracn\u00fd p\u0159\u00edjem\u201c. Je t\u0159eba \u0159e\u0161it n\u00e1jemn\u00edky, opravy, dan\u011b i komunikaci s \u00fa\u0159ady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. V\u00fdnos po ode\u010dten\u00ed v\u0161ech n\u00e1klad\u016f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nezapome\u0148te zapo\u010d\u00edtat i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-poji-t-n\">poji\u0161t\u011bn\u00ed,<\/li>\n\n\n\n<li id=\"htoc-pr-vn-slu-by\">pr\u00e1vn\u00ed slu\u017eby,<\/li>\n\n\n\n<li id=\"htoc-obdob-bez-n-jemn-ka\">obdob\u00ed bez n\u00e1jemn\u00edka,<\/li>\n\n\n\n<li id=\"htoc-dr-bu\">\u00fadr\u017ebu.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Hrub\u00fd n\u00e1jem nen\u00ed to sam\u00e9 jako skute\u010dn\u00fd v\u00fdnos.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udc49 Pot\u0159ebujete si spo\u010d\u00edtat, jak je to s hypot\u00e9kou vs. n\u00e1jmem? Vyu\u017eijte na\u0161i <a href=\"https:\/\/www.fingo.cz\/hypoteka-nebo-najem\">kalkula\u010dku<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-investi-n-byt-na-hypot-ku-pro-d-v-dlouhodob-smysl\"><strong>Investi\u010dn\u00ed byt na hypot\u00e9ku: pro\u010d d\u00e1v\u00e1 dlouhodob\u011b smysl<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I kdy\u017e se dnes m\u016f\u017ee zd\u00e1t spl\u00e1tka hypot\u00e9ky vysok\u00e1, investice financovan\u00e1 \u00fav\u011brem m\u00e1 p\u0159i spr\u00e1vn\u00e9m pl\u00e1nov\u00e1n\u00ed sv\u00e9 jasn\u00e9 v\u00fdhody. <strong>Spl\u00e1tka hypot\u00e9ky je toti\u017e dlouhodob\u011b stabiln\u00ed<\/strong> \u2013 fixn\u00ed \u00farokov\u00e9 sazby umo\u017e\u0148uj\u00ed p\u0159edv\u00eddateln\u00e9 m\u011bs\u00ed\u010dn\u00ed n\u00e1klady. Oproti tomu <strong>n\u00e1jemn\u00e9 m\u00e1 tendenci s inflac\u00ed postupn\u011b r\u016fst.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V dlouhodob\u00e9m horizontu proto <strong>spl\u00e1tka tvo\u0159\u00ed \u010d\u00edm d\u00e1l t\u00edm men\u0161\u00ed \u010d\u00e1st va\u0161ich celkov\u00fdch n\u00e1klad\u016f<\/strong>, zat\u00edmco p\u0159\u00edjem z n\u00e1jmu se zvy\u0161uje. B\u011b\u017en\u011b se st\u00e1v\u00e1, \u017ee p\u0159ibli\u017en\u011b <strong>po deseti letech <\/strong>za\u010d\u00edn\u00e1 p\u0159\u00edjem z n\u00e1jmu p\u0159evy\u0161ovat v\u00fd\u0161i spl\u00e1tky hypot\u00e9ky. Tento efekt v\u00fdrazn\u011b zlep\u0161uje n\u00e1vratnost cel\u00e9 investice a z\u00e1rove\u0148 vytv\u00e1\u0159\u00ed prostor pro budov\u00e1n\u00ed rezerv nebo financov\u00e1n\u00ed dal\u0161\u00edch investic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud tedy pl\u00e1nujete investici na v\u00edce ne\u017e p\u00e1r let a m\u00e1te finan\u010dn\u00ed rezervu pro po\u010d\u00e1te\u010dn\u00ed obdob\u00ed, m\u016f\u017ee b\u00fdt investi\u010dn\u00ed byt na hypot\u00e9ku velmi chytr\u00fdm tahem.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/05\/investovani_do_nemovitosti-1024x683.png\" alt=\"investice do nemovitosti\" class=\"wp-image-2577\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/05\/investovani_do_nemovitosti-1024x683.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/05\/investovani_do_nemovitosti-300x200.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/05\/investovani_do_nemovitosti-768x512.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/05\/investovani_do_nemovitosti-1080x720.png 1080w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/05\/investovani_do_nemovitosti-510x340.png 510w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/05\/investovani_do_nemovitosti.png 1344w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-ot-zky-kter-asto-investo-i-do-nemovitosti-e\"><strong>Ot\u00e1zky, kter\u00e9 investo\u0159i \u0159e\u0161\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Jak zjist\u00edm, jestli je lokalita vhodn\u00e1 k pron\u00e1jmu?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sledujte nab\u00eddku a popt\u00e1vku na realitn\u00edch port\u00e1lech \u2013 jak rychle se byty pronaj\u00edmaj\u00ed a za jakou cenu. Pom\u016f\u017ee i osobn\u00ed n\u00e1v\u0161t\u011bva lokality \u2013 zjist\u00edte, zda v okol\u00ed \u017eij\u00ed studenti, mlad\u00ed profesion\u00e1lov\u00e9 nebo rodiny. Ide\u00e1ln\u00ed je bl\u00edzkost \u0161kol, MHD a ob\u010dansk\u00e9 vybavenosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. M\u00e1m byt koupit jako fyzick\u00e1 osoba, nebo na firmu?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro prvn\u00ed investici b\u00fdv\u00e1 v\u00fdhodn\u011bj\u0161\u00ed koup\u011b jako fyzick\u00e1 osoba \u2013 jednodu\u0161\u0161\u00ed administrativa i ni\u017e\u0161\u00ed n\u00e1klady. U v\u011bt\u0161\u00edho portfolia ale m\u016f\u017ee b\u00fdt efektivn\u011bj\u0161\u00ed podnik\u00e1n\u00ed formou s.r.o., nap\u0159. kv\u016fli dan\u00edm nebo d\u011bd\u011bn\u00ed. Doporu\u010dujeme konzultaci s da\u0148ov\u00fdm poradcem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Je lep\u0161\u00ed m\u00edt jeden dra\u017e\u0161\u00ed byt, nebo v\u00edce levn\u011bj\u0161\u00edch?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1le\u017e\u00ed na va\u0161\u00ed strategii. Jeden byt znamen\u00e1 m\u00e9n\u011b starost\u00ed, ale i vy\u0161\u0161\u00ed riziko p\u0159i neobsazenosti. V\u00edce men\u0161\u00edch byt\u016f umo\u017e\u0148uje diverzifikaci \u2013 v\u00fdpadek p\u0159\u00edjmu z jednoho nemus\u00ed ohrozit cel\u00fd rozpo\u010det. Na druhou stranu p\u0159ib\u00fdv\u00e1 spr\u00e1vy a n\u00e1klad\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Jak\u00e1 poji\u0161t\u011bn\u00ed bych m\u011bl pro investi\u010dn\u00ed byt zv\u00e1\u017eit?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1kladem ochrany va\u0161\u00ed investice je <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\">poji\u0161t\u011bn\u00ed nemovitosti <\/a>\u2013 tedy bytu nebo domu \u2013 a tak\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti z vlastnictv\u00ed nemovitosti. D\u00edky poji\u0161t\u011bn\u00ed nemovitosti m\u00e1te kryt\u00e9 \u0161kody zp\u016fsoben\u00e9 \u017eivly, po\u017e\u00e1rem, povodn\u00ed, ale i vytopen\u00edm od soused\u016f. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1s chr\u00e1n\u00ed p\u0159ed \u0161kodami, za kter\u00e9 jako vlastn\u00edk zodpov\u00edd\u00e1te \u2013 nap\u0159\u00edklad kdy\u017e praskne hadi\u010dka a vytop\u00edte sousedy, vznikne po\u017e\u00e1r od zkratu nebo ze st\u0159echy spadne ta\u0161ka a po\u0161kod\u00ed majetek nebo zdrav\u00ed n\u011bkoho jin\u00e9ho. Pokud nemovitost pronaj\u00edm\u00e1te za\u0159\u00edzenou, doporu\u010dujeme i <a href=\"https:\/\/www.fingo.cz\/pojisteni-majetku\">poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a>. U neza\u0159\u00edzen\u00e9 nemovitosti si vysta\u010d\u00edte s poji\u0161t\u011bn\u00edm stavby, kter\u00e9 obvykle zahrnuje i pevn\u00e9 sou\u010d\u00e1sti jako kuchy\u0148skou linku nebo vestav\u011bn\u00e9 sk\u0159\u00edn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Co m\u00e1m d\u011blat, kdy\u017e n\u00e1jemn\u00edk p\u0159estane platit?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nejprve situaci \u0159e\u0161te domluvou \u2013 zeptejte se na d\u016fvod a nab\u00eddn\u011bte \u0159e\u0161en\u00ed (nap\u0159. spl\u00e1tkov\u00fd kalend\u00e1\u0159). Pokud to nepom\u016f\u017ee, po\u0161lete p\u00edsemnou v\u00fdzvu k \u00fahrad\u011b. Trv\u00e1-li neplacen\u00ed del\u0161\u00ed dobu, je mo\u017en\u00e9 smlouvu vypov\u011bd\u011bt. Doporu\u010dujeme m\u00edt n\u00e1jemn\u00ed smlouvu dob\u0159e o\u0161et\u0159enou pr\u00e1vn\u011b \u2013 a tak\u00e9 m\u00edt poji\u0161t\u011bn\u00ed pr\u00e1vn\u00ed ochrany.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-zva-ujete-investici-do-nemovitosti-ale-nejste-si-jisti\">Zva\u017eujete investici do nemovitosti, ale nejste si jisti?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S na\u0161imi finan\u010dn\u00edmi specialisty proberete v\u0161echny mo\u017enosti \u2013 od v\u00fdb\u011bru vhodn\u00e9ho bytu a\u017e po financov\u00e1n\u00ed a spr\u00e1vu. Pom\u016f\u017eeme v\u00e1m spo\u010d\u00edtat n\u00e1vratnost, upozorn\u00edme na mo\u017en\u00e1 rizika a navrhneme optim\u00e1ln\u00ed \u0159e\u0161en\u00ed podle va\u0161ich c\u00edl\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fingo.cz\/kontakty\">Nev\u00e1hejte se na n\u00e1s obr\u00e1tit<\/a> \u2013 jsme tu od toho, abychom v\u00e1m pomohli investovat chyt\u0159e a s jistotou.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e1v\u00e1 investice do nemovitosti v roce 2025 smysl? Ano, ale u\u017e ne pro ka\u017ed\u00e9ho a ne za ka\u017edou cenu. Dne\u0161n\u00ed realitn\u00ed trh je o pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed ne\u017e d\u0159\u00edv. \u00dasp\u011b\u0161n\u00e1 investice vy\u017eaduje znalosti, \u010das, rezervy a trp\u011blivost. Pokud ale investujete chyt\u0159e, s dlouhodob\u00fdm v\u00fdhledem a realistick\u00fdm o\u010dek\u00e1v\u00e1n\u00edm, m\u016f\u017ee b\u00fdt nemovitost stabiln\u00edm pil\u00ed\u0159em va\u0161eho finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed. Co se zm\u011bnilo? Realitn\u00ed trh u\u017e nen\u00ed \u201ezaru\u010den\u00fd v\u00fdd\u011blek\u201c Zat\u00edmco p\u0159ed n\u011bkolika lety byly investice do nemovitosti tak\u0159ka automatickou volbou, dnes se situace v\u00fdrazn\u011b zm\u011bnila. Z\u00e1jem o investi\u010dn\u00ed byty p\u0159esto nezmizel \u2013 jen se prom\u011bnil. Dne\u0161n\u00ed investo\u0159i jsou uv\u00e1\u017eliv\u011bj\u0161\u00ed, kombinuj\u00ed vlastn\u00ed kapit\u00e1l s hypot\u00e9kou a \u010dasto pl\u00e1nuj\u00ed do budoucna: byt pronaj\u00edmaj\u00ed te\u010f, ale za 10\u201315 let ho cht\u011bj\u00ed vyu\u017e\u00edt pro d\u011bti nebo na d\u016fchod. Kdo dnes investuje do nemovitosti a pro\u010d? 1. Bonitn\u00ed dom\u00e1cnosti a podnikatel\u00e9 Maj\u00ed vlastn\u00ed \u00faspory a hledaj\u00ed stabiln\u00ed zp\u016fsob, jak ochr\u00e1nit hodnotu pen\u011bz. \u010casto pro n\u011b nen\u00ed prioritou co nejvy\u0161\u0161\u00ed v\u00fdnos, ale jistota a dlouhodob\u00fd horizont. 2. Rodi\u010de mysl\u00edc\u00ed na budoucnost Koup\u00ed byt dnes, pronaj\u00edmaj\u00ed ho, ale jejich hlavn\u00edm c\u00edlem je pomoci d\u011btem v budoucnu nebo si zajistit vlastn\u00ed bydlen\u00ed na st\u00e1\u0159\u00ed. \ud83c\udfe1 P\u0159e\u010dt\u011bte si tak\u00e9 o tom, jak na\u0161et\u0159it na vlastn\u00ed bydlen\u00ed pro va\u0161e d\u011bti. 3. Investo\u0159i diverzifikuj\u00edc\u00ed portfolio Nehledaj\u00ed \u201ezlat\u00fd [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":2583,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[37,149,169],"class_list":["post-2576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","tag-investovani","tag-jiri-fajt","tag-nemovitosti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Investice do nemovitosti: vyplat\u00ed se?<\/title>\n<meta name=\"description\" content=\"Investice do nemovitosti: kdy a komu se vyplat\u00ed koupit byt na pron\u00e1jem, jak vybrat lokalitu, financovat n\u00e1kup a minimalizovat rizika.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/investice-do-nemovitosti\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investice do nemovitosti: vyplat\u00ed se? 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