{"id":3094,"date":"2026-10-13T13:18:39","date_gmt":"2026-10-13T12:18:39","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=3094"},"modified":"2026-10-13T13:21:49","modified_gmt":"2026-10-13T12:21:49","slug":"mladi-na-vlastni-byt-nedosahnou","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/mladi-na-vlastni-byt-nedosahnou\/","title":{"rendered":"Mlad\u00ed bez pomoci rodiny na vlastn\u00ed byt nedos\u00e1hnou: Co s t\u00edm?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Po\u0159\u00edzen\u00ed prvn\u00edho bytu v \u010cesku je bez rodinn\u00e9 pomoci extr\u00e9mn\u011b slo\u017eit\u00e9. Vysok\u00e9 ceny nemovitost\u00ed a p\u0159\u00edsn\u00e9 po\u017eadavky bank na vlastn\u00ed \u00faspory a rezervy stav\u00ed mlad\u00e9 lidi p\u0159ed t\u011b\u017ekou v\u00fdzvu. V tomto \u010dl\u00e1nku se dozv\u00edte, jak\u00e9 existuj\u00ed re\u00e1ln\u00e9 cesty k vlastn\u00edmu bydlen\u00ed.<\/p>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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\">Obsah<\/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-pro-je-dostupnost-bydlen-pro-mlad-v-esku-na-dn-evropy\">Pro\u010d je dostupnost bydlen\u00ed pro mlad\u00e9 v \u010cesku na dn\u011b Evropy?<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-po-dit-byt-bez-spor-a-jak-jsou-skal\">Jak po\u0159\u00eddit byt bez \u00faspor a jak\u00e1 jsou \u00faskal\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-hypot-ka-s-ru-en-m-nemovitost-jak-bezpe-n-pomoci-d-tem\">Hypot\u00e9ka s ru\u010den\u00edm nemovitost\u00ed: Jak bezpe\u010dn\u011b pomoci d\u011btem?<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-banky-posuzuj-p-jmy-a-jak-zapojit-spolu-adatele\">Jak banky posuzuj\u00ed p\u0159\u00edjmy a jak zapojit spolu\u017eadatele?<\/a><\/li><li class=\"\"><a href=\"#htoc-p-evezm-te-kontrolu-nad-financov-n-m-prvn-ho-bydlen\">P\u0159evezm\u011bte kontrolu nad financov\u00e1n\u00edm prvn\u00edho bydlen\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-pro-je-dostupnost-bydlen-pro-mlad-v-esku-na-dn-evropy\" class=\"wp-block-heading\">Pro\u010d je dostupnost bydlen\u00ed pro mlad\u00e9 v \u010cesku na dn\u011b Evropy?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Koupit si vlastn\u00ed byt z b\u011b\u017en\u00e9 v\u00fdplaty bez pomoci p\u0159\u00edbuzn\u00fdch se pro mladou generaci stalo v posledn\u00edch letech t\u00e9m\u011b\u0159 nesplniteln\u00fdm \u00fakolem. \u010cesko se dlouhodob\u011b \u0159ad\u00ed na <strong>nejhor\u0161\u00ed p\u0159\u00ed\u010dky v Evropsk\u00e9 unii<\/strong> v pom\u011bru cen nemovitost\u00ed k pr\u016fm\u011brn\u00fdm mzd\u00e1m. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udea8 Podle mezin\u00e1rodn\u00ed studie Deloitte Property Index pot\u0159ebuje b\u011b\u017en\u00fd \u010cech na po\u0159\u00edzen\u00ed nov\u00e9ho pr\u016fm\u011brn\u00e9ho bytu o rozloze 70 metr\u016f \u010dtvere\u010dn\u00edch <strong>13,3 hrub\u00fdch ro\u010dn\u00edch plat\u016f<\/strong>. V Praze je situace je\u0161t\u011b kriti\u010dt\u011bj\u0161\u00ed, proto\u017ee tam kupuj\u00edc\u00ed mus\u00ed vynalo\u017eit <strong>15 hrub\u00fdch ro\u010dn\u00edch mezd<\/strong>. To \u0159ad\u00ed \u010deskou metropoli na t\u0159et\u00ed nejhor\u0161\u00ed m\u00edsto v cel\u00e9 Evrop\u011b, hned za Amsterdam a At\u00e9ny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1sadn\u00edm d\u016fvodem \u010desk\u00e9 krize je pomal\u00e1 v\u00fdstavba nov\u00fdch byt\u016f, komplikovan\u00e1 mezin\u00e1rodn\u00ed i lok\u00e1ln\u00ed legislativa a vysok\u00e1 popt\u00e1vka ve velk\u00fdch m\u011bstech. Podle aktu\u00e1ln\u00edch dat Eurostatu a \u010cS\u00da v\u00edce ne\u017e <strong>58 % mlad\u00fdch lid\u00ed do 30 let<\/strong> v \u010cesku st\u00e1le \u017eije v jedn\u00e9 dom\u00e1cnosti s rodi\u010di. Tento stav v\u00fdrazn\u011b <strong>odkl\u00e1d\u00e1 zakl\u00e1d\u00e1n\u00ed rodin<\/strong>, zvy\u0161uje pr\u016fm\u011brn\u00fd v\u011bk prvorodi\u010d\u016f a ovliv\u0148uje kari\u00e9rn\u00ed rozhodnut\u00ed mlad\u00fdch odborn\u00edk\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc47 Graf n\u00ed\u017ee p\u0159ehledn\u011b porovn\u00e1v\u00e1 cenovou dostupnost vlastn\u00edho bydlen\u00ed v \u010cesku s ostatn\u00edmi evropsk\u00fdmi st\u00e1ty na z\u00e1klad\u011b po\u010dtu ro\u010dn\u00edch plat\u016f pot\u0159ebn\u00fdch k n\u00e1kupu nov\u00e9ho bytu.<\/p>\n\n\n\n<div style=\"height:13px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY-1024x768.png\" alt=\"\" class=\"wp-image-3095\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY-1024x768.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY-768x576.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY-1536x1152.png 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY-2048x1536.png 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/GRAFY-1080x810.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-jak-po-dit-byt-bez-spor-a-jak-jsou-skal\" class=\"wp-block-heading\">Jak po\u0159\u00eddit byt bez \u00faspor a jak\u00e1 jsou \u00faskal\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lid\u00e9 bez naspo\u0159en\u00fdch pen\u011bz nar\u00e1\u017eej\u00ed na p\u0159\u00edsn\u00e1 pravidla \u010cesk\u00e9 n\u00e1rodn\u00ed banky a komer\u010dn\u00edch bank. Banky vy\u017eaduj\u00ed, aby kupuj\u00edc\u00ed hradil alespo\u0148 <strong>10 a\u017e 20 % z kupn\u00ed ceny z vlastn\u00edch \u00faspor <\/strong>p\u0159es ukazatel LTV. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud pl\u00e1nujete n\u00e1kup startovac\u00edho bytu v hodnot\u011b 5 milion\u016f korun, mus\u00edte m\u00edt na \u00fa\u010dtu p\u0159ipraveno minim\u00e1ln\u011b <strong>500 000 a\u017e 1 000 000 K\u010d<\/strong> v hotovosti. Ot\u00e1zka, jak po\u0159\u00eddit byt bez \u00faspor, m\u00e1 v\u0161ak v praxi n\u011bkolik \u0159e\u0161en\u00ed, kter\u00e1 nevy\u017eaduj\u00ed okam\u017eit\u00e9 hotovostn\u00ed \u00faspory kupuj\u00edc\u00edho.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-jednou-ze-strategi-je-kombinace-v-ru-ze-stavebn-ho-spo-en-s-klasickou-hypot-kou-p-padn-erp-n-nezaji-t-n-ho-v-ru-na-dofinancov-n-tento-postup-v-ak-v-razn-zvy-uje-m-s-n-finan-n-zat-en-adatele-a-banky-velmi-p-sn-posuzuj-celkovou-zadlu-enost\">Jednou ze strategi\u00ed je <strong>kombinace \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed s klasickou hypot\u00e9kou<\/strong>, p\u0159\u00edpadn\u011b \u010derp\u00e1n\u00ed nezaji\u0161t\u011bn\u00e9ho \u00fav\u011bru na dofinancov\u00e1n\u00ed. Tento postup v\u0161ak v\u00fdrazn\u011b zvy\u0161uje m\u011bs\u00ed\u010dn\u00ed finan\u010dn\u00ed zat\u00ed\u017een\u00ed \u017eadatele a banky velmi p\u0159\u00edsn\u011b posuzuj\u00ed celkovou zadlu\u017eenost. <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-druhou-a-podstatn-ast-j-cestou-b-v-pomoc-rodiny-s-hypot-kou-ta-m-e-m-t-podobu-p-m-ho-finan-n-ho-daru-do-asn-bez-ro-n-p-j-ky-od-p-buzn-ch-nebo-vyu-it-dopl-kov-ho-ru-en-druhou-nemovitost\">Druhou a podstatn\u011b \u010dast\u011bj\u0161\u00ed cestou b\u00fdv\u00e1 pomoc rodiny s hypot\u00e9kou. Ta m\u016f\u017ee m\u00edt podobu <strong>p\u0159\u00edm\u00e9ho finan\u010dn\u00edho daru, do\u010dasn\u00e9 bez\u00faro\u010dn\u00e9 p\u016fj\u010dky<\/strong> od p\u0159\u00edbuzn\u00fdch nebo vyu\u017eit\u00ed dopl\u0148kov\u00e9ho <strong>ru\u010den\u00ed druhou nemovitost\u00ed.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Spr\u00e1vn\u011b nastaven\u00e9 <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">financov\u00e1n\u00ed prvn\u00edho bydlen\u00ed<\/a> vy\u017eaduje <strong>detailn\u00ed v\u00fdpo\u010det celkov\u00fdch n\u00e1klad\u016f<\/strong>. Pokud nem\u00e1 mlad\u00fd \u010dlov\u011bk \u017e\u00e1dnou finan\u010dn\u00ed rezervu, st\u00e1v\u00e1 se spl\u00e1cen\u00ed \u00fav\u011bru rizikov\u00e9 p\u0159i jak\u00e9koliv ne\u010dekan\u00e9 \u017eivotn\u00ed ud\u00e1losti. Na\u0161i poradci proto v\u017edy doporu\u010duj\u00ed vytv\u00e1\u0159et sou\u010dasn\u011b se spl\u00e1cen\u00edm i pohotovostn\u00ed pol\u0161t\u00e1\u0159 na <strong>t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f provozn\u00edch v\u00fddaj\u016f.<\/strong><\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\"><a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/blog\/jak-na-hypoteku\/\">Jak prob\u00edh\u00e1 sjedn\u00e1n\u00ed nov\u00e9 hypot\u00e9ky krok za krokem?<\/a> Cel\u00fd proces jsme podrobn\u011b popsali v samostatn\u00e9m \u010dl\u00e1nku. \ud83d\udca1<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-hypot-ka-s-ru-en-m-nemovitost-jak-bezpe-n-pomoci-d-tem\" class=\"wp-block-heading\">Hypot\u00e9ka s ru\u010den\u00edm nemovitost\u00ed: Jak bezpe\u010dn\u011b pomoci d\u011btem?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nej\u010dast\u011bj\u0161\u00edm \u0159e\u0161en\u00edm chyb\u011bj\u00edc\u00ed hotovosti je <strong>hypot\u00e9ka s ru\u010den\u00edm nemovitost\u00ed rodi\u010d\u016f<\/strong>. V tomto modelu rodi\u010de nab\u00eddnou sv\u016fj byt nebo rodinn\u00fd d\u016fm jako <strong>dopl\u0148kov\u00e9 zaji\u0161t\u011bn\u00ed bankovn\u00edmu \u00fastavu.<\/strong> Banka d\u00edky druh\u00e9 nemovitosti z\u00edsk\u00e1 vy\u0161\u0161\u00ed garanci a m\u016f\u017ee poskytnout mlad\u00fdm \u017eadatel\u016fm hypot\u00e9ku a\u017e na 100 % kupn\u00ed ceny nov\u00e9ho bytu, ani\u017e by museli p\u0159edkl\u00e1dat jakoukoliv vlastn\u00ed hotovost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kl\u00ed\u010dem k udr\u017een\u00ed dobr\u00fdch rodinn\u00fdch vztah\u016f a ochran\u011b majetku rodi\u010d\u016f je <strong>p\u0159esn\u00e9 smluvn\u00ed nastaven\u00ed<\/strong> a strategie v\u010dasn\u00e9ho vyv\u00e1z\u00e1n\u00ed. Rodi\u010de a d\u011bti by se m\u011bli p\u0159ed podpisem smlouvy \u0159\u00eddit t\u011bmito <strong>pravidly:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-z-stavn-pr-vo-na-dom-rodi-nemus-trvat-po-celou-dobu-spl-cen-hypot-ky-ale-pouze-do-doby-ne-dluh-klesne-pod-80-hodnoty-nov-ho-bytu\">Z\u00e1stavn\u00ed pr\u00e1vo na dom\u011b rodi\u010d\u016f <strong>nemus\u00ed <\/strong>trvat po celou dobu spl\u00e1cen\u00ed hypot\u00e9ky, ale pouze do doby, ne\u017e dluh <strong>klesne<\/strong> <strong>pod<\/strong> <strong>80 %<\/strong> hodnoty nov\u00e9ho bytu.<\/li>\n\n\n\n<li id=\"htoc-rodi-e-nemusej-b-t-spoludlu-n-ky-na-hypot-ce-v-v-rov-m-vztahu-figuruj-pouze-jako-z-stavci-nemovitosti\">Rodi\u010de <strong>nemusej\u00ed b\u00fdt spoludlu\u017en\u00edky<\/strong> na hypot\u00e9ce, v \u00fav\u011brov\u00e9m vztahu figuruj\u00ed pouze jako z\u00e1stavci nemovitosti.<\/li>\n\n\n\n<li id=\"htoc-vyv-z-n-z-stavy-prob-h-bu-postupn-m-spl-cen-m-jistiny-nebo-p-irozen-m-n-r-stem-tr-n-ceny-zakoupen-ho-bytu-v-ase\">Vyv\u00e1z\u00e1n\u00ed z\u00e1stavy prob\u00edh\u00e1 bu\u010f postupn\u00fdm spl\u00e1cen\u00edm jistiny, nebo p\u0159irozen\u00fdm n\u00e1r\u016fstem tr\u017en\u00ed ceny zakoupen\u00e9ho bytu v \u010dase.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile splat\u00edte pot\u0159ebnou \u010d\u00e1st \u00fav\u011bru nebo hodnota va\u0161\u00ed nemovitosti stoupne, po\u017e\u00e1d\u00e1te banku o <strong>vyv\u00e1z\u00e1n\u00ed nemovitosti rodi\u010d\u016f ze z\u00e1stavy.<\/strong> <\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\u26a0\ufe0f <strong>POZOR NA BEZPE\u010cNOST:<\/strong> Ru\u010den\u00ed nemovitost\u00ed je skv\u011bl\u00fd n\u00e1stroj, ale <strong>vy\u017eaduje discipl\u00ednu.<\/strong> Rodi\u010de by m\u011bli ru\u010dit jen do v\u00fd\u0161e <strong>chyb\u011bj\u00edc\u00edch vlastn\u00edch zdroj\u016f<\/strong> a z\u00e1stavn\u00ed pr\u00e1vo vyv\u00e1zat hned, jakmile klesne dluh pod 80 % hodnoty kupovan\u00e9ho bytu.<\/p>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-jak-banky-posuzuj-p-jmy-a-jak-zapojit-spolu-adatele\" class=\"wp-block-heading\">Jak banky posuzuj\u00ed p\u0159\u00edjmy a jak zapojit spolu\u017eadatele?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed p\u0159ek\u00e1\u017ekou p\u0159i \u017e\u00e1dosti o \u00fav\u011br b\u00fdv\u00e1 <strong>nedostate\u010dn\u00e1 v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu<\/strong>, co\u017e se t\u00fdk\u00e1 zejm\u00e9na mlad\u00fdch lid\u00ed na za\u010d\u00e1tku pracovn\u00edho \u017eivota. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i \u00farokov\u00e9 sazb\u011b kolem 4,9 a\u017e 5,1 % se m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka hypot\u00e9ky ve v\u00fd\u0161i <strong>4,5 milionu korun se splatnost\u00ed 30 let<\/strong> pohybuje p\u0159ibli\u017en\u011b mezi <strong>23 900 a 24 500 K\u010d.<\/strong> Banky ze z\u00e1kona i vlastn\u00edch metodik d\u016fkladn\u011b prov\u011b\u0159uj\u00ed, zda \u017eadateli po zaplacen\u00ed spl\u00e1tky a \u017eivotn\u00edch n\u00e1klad\u016f z\u016fstane dostate\u010dn\u00e1 <strong>finan\u010dn\u00ed rezerva.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 Pokud \u017eadatel na po\u017eadovanou v\u00fd\u0161i \u00fav\u011bru nedos\u00e1hne s\u00e1m, nej\u00fa\u010dinn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm je <strong>p\u0159izv\u00e1n\u00ed spolu\u017eadatele.<\/strong> Spolu\u017eadatelem b\u00fdv\u00e1 nej\u010dast\u011bji partner, sourozenec nebo jeden z rodi\u010d\u016f. <strong>P\u0159\u00edjmy v\u0161ech \u017eadatel\u016f se v bance s\u010d\u00edtaj\u00ed<\/strong>, co\u017e zvy\u0161uje celkovou bonitu. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Modelov\u00fd p\u0159\u00edklad ukazuje, \u017ee p\u0159i spojen\u00ed dvou \u010dist\u00fdch p\u0159\u00edjm\u016f ve v\u00fd\u0161i 35 000 K\u010d a 30 000 K\u010d m\u016f\u017ee dosa\u017eiteln\u00e1 v\u00fd\u0161e hypot\u00e9ky vzr\u016fst <strong>o v\u00edce ne\u017e 2 miliony korun<\/strong> oproti samostatn\u00e9mu \u017eadateli.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Ne\u017e za\u010dnete obch\u00e1zet jednotliv\u00e9 pobo\u010dky bank, je praktick\u00e9 si spo\u010d\u00edtat sv\u00e9 re\u00e1ln\u00e9 \u0161ance z domova. Na\u0161e specializovan\u00e1 kalkula\u010dka v\u00e1m okam\u017eit\u011b uk\u00e1\u017ee, jakou v\u00fd\u0161i \u00fav\u011bru v\u00e1m banky na z\u00e1klad\u011b va\u0161ich v\u00fdd\u011blk\u016f schv\u00e1l\u00ed. Pokud v\u00e1h\u00e1te, zda se finan\u010dn\u011b vyplat\u00ed kupovat byt hned, porovnejte si sv\u00e9 n\u00e1klady na str\u00e1nce <a href=\"https:\/\/www.fingo.cz\/hypoteka-nebo-najem\">hypot\u00e9ka nebo n\u00e1jem<\/a>.<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version6\" id=\"iframeMortgageV6\" style=\"width:100%;height:593px;border:none\"><\/iframe>\n\n\n\n<h2 id=\"htoc-p-evezm-te-kontrolu-nad-financov-n-m-prvn-ho-bydlen\" class=\"wp-block-heading\">P\u0159evezm\u011bte kontrolu nad financov\u00e1n\u00edm prvn\u00edho bydlen\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kl\u00ed\u010dem k \u00fasp\u011b\u0161n\u00e9mu po\u0159\u00edzen\u00ed bytu je otev\u0159en\u00e1 komunikace uvnit\u0159 rodiny, kombinace dostupn\u00fdch finan\u010dn\u00edch produkt\u016f a d\u016fsledn\u00e9 \u0159\u00edzen\u00ed rizik. Zapojen\u00ed rodi\u010d\u016f formou <strong>do\u010dasn\u00e9ho ru\u010den\u00ed <\/strong>nebo <strong>p\u0159izv\u00e1n\u00ed spolu\u017eadatele<\/strong> pom\u016f\u017ee p\u0159ekonat nejt\u011b\u017e\u0161\u00ed startovac\u00ed bari\u00e9ru bez nutnosti m\u00edt naspo\u0159en\u00e9 miliony v hotovosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00e1 rodinn\u00e1 situace je jedine\u010dn\u00e1 a \u0161ablonovit\u00e9 n\u00e1vody z internetu nemohou pokr\u00fdt v\u0161echna mezigenera\u010dn\u00ed \u00faskal\u00ed. Proto <strong>doporu\u010dujeme konzultovat<\/strong> cel\u00fd z\u00e1m\u011br s nez\u00e1visl\u00fdmi hypote\u010dn\u00edmi specialisty, kte\u0159\u00ed navrhnou nejv\u00fdhodn\u011bj\u0161\u00ed strukturu \u00fav\u011bru a ochran\u00ed majetek rodi\u010d\u016f. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud si chcete domluvit bezplatnou a nez\u00e1vaznou sch\u016fzku, nav\u0161tivte na\u0161i str\u00e1nku <a href=\"https:\/\/www.fingo.cz\/kontakty\">kontakty FinGO<\/a> a na\u0161i odborn\u00edci v\u00e1m r\u00e1di pomohou naj\u00edt ide\u00e1ln\u00ed \u0159e\u0161en\u00ed na m\u00edru.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Po\u0159\u00edzen\u00ed prvn\u00edho bytu v \u010cesku je bez rodinn\u00e9 pomoci extr\u00e9mn\u011b slo\u017eit\u00e9. Vysok\u00e9 ceny nemovitost\u00ed a p\u0159\u00edsn\u00e9 po\u017eadavky bank na vlastn\u00ed \u00faspory a rezervy stav\u00ed mlad\u00e9 lidi p\u0159ed t\u011b\u017ekou v\u00fdzvu. V tomto \u010dl\u00e1nku se dozv\u00edte, jak\u00e9 existuj\u00ed re\u00e1ln\u00e9 cesty k vlastn\u00edmu bydlen\u00ed. Pro\u010d je dostupnost bydlen\u00ed pro mlad\u00e9 v \u010cesku na dn\u011b Evropy? Koupit si vlastn\u00ed byt z b\u011b\u017en\u00e9 v\u00fdplaty bez pomoci p\u0159\u00edbuzn\u00fdch se pro mladou generaci stalo v posledn\u00edch letech t\u00e9m\u011b\u0159 nesplniteln\u00fdm \u00fakolem. \u010cesko se dlouhodob\u011b \u0159ad\u00ed na nejhor\u0161\u00ed p\u0159\u00ed\u010dky v Evropsk\u00e9 unii v pom\u011bru cen nemovitost\u00ed k pr\u016fm\u011brn\u00fdm mzd\u00e1m. \ud83d\udea8 Podle mezin\u00e1rodn\u00ed studie Deloitte Property Index pot\u0159ebuje b\u011b\u017en\u00fd \u010cech na po\u0159\u00edzen\u00ed nov\u00e9ho pr\u016fm\u011brn\u00e9ho bytu o rozloze 70 metr\u016f \u010dtvere\u010dn\u00edch 13,3 hrub\u00fdch ro\u010dn\u00edch plat\u016f. V Praze je situace je\u0161t\u011b kriti\u010dt\u011bj\u0161\u00ed, proto\u017ee tam kupuj\u00edc\u00ed mus\u00ed vynalo\u017eit 15 hrub\u00fdch ro\u010dn\u00edch mezd. To \u0159ad\u00ed \u010deskou metropoli na t\u0159et\u00ed nejhor\u0161\u00ed m\u00edsto v cel\u00e9 Evrop\u011b, hned za Amsterdam a At\u00e9ny. Z\u00e1sadn\u00edm d\u016fvodem \u010desk\u00e9 krize je pomal\u00e1 v\u00fdstavba nov\u00fdch byt\u016f, komplikovan\u00e1 mezin\u00e1rodn\u00ed i lok\u00e1ln\u00ed legislativa a vysok\u00e1 popt\u00e1vka ve velk\u00fdch m\u011bstech. Podle aktu\u00e1ln\u00edch dat Eurostatu a \u010cS\u00da v\u00edce ne\u017e 58 % mlad\u00fdch lid\u00ed do 30 let v \u010cesku st\u00e1le \u017eije v jedn\u00e9 dom\u00e1cnosti s rodi\u010di. Tento stav v\u00fdrazn\u011b odkl\u00e1d\u00e1 zakl\u00e1d\u00e1n\u00ed rodin, zvy\u0161uje pr\u016fm\u011brn\u00fd v\u011bk prvorodi\u010d\u016f a [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":3105,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,4],"tags":[23,12,42,109],"class_list":["post-3094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","category-osobni-finance","tag-ceny-nemovitosti","tag-hypoteka","tag-nakup-nemovitosti","tag-vlastni-bydleni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mlad\u00ed bez pomoci rodiny na vlastn\u00ed byt nedos\u00e1hnou: Co s t\u00edm? - Blog FinGO.cz<\/title>\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\/mladi-na-vlastni-byt-nedosahnou\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mlad\u00ed bez pomoci rodiny na vlastn\u00ed byt nedos\u00e1hnou: Co s t\u00edm?\" \/>\n<meta property=\"og:description\" content=\"Po\u0159\u00edzen\u00ed prvn\u00edho bytu v \u010cesku je bez rodinn\u00e9 pomoci extr\u00e9mn\u011b slo\u017eit\u00e9. Vysok\u00e9 ceny nemovitost\u00ed a p\u0159\u00edsn\u00e9 po\u017eadavky bank na vlastn\u00ed \u00faspory a rezervy stav\u00ed mlad\u00e9 lidi p\u0159ed t\u011b\u017ekou v\u00fdzvu. V tomto \u010dl\u00e1nku se dozv\u00edte, jak\u00e9 existuj\u00ed re\u00e1ln\u00e9 cesty k vlastn\u00edmu bydlen\u00ed. Pro\u010d je dostupnost bydlen\u00ed pro mlad\u00e9 v \u010cesku na dn\u011b Evropy? Koupit si vlastn\u00ed byt z b\u011b\u017en\u00e9 v\u00fdplaty bez pomoci p\u0159\u00edbuzn\u00fdch se pro mladou generaci stalo v posledn\u00edch letech t\u00e9m\u011b\u0159 nesplniteln\u00fdm \u00fakolem. \u010cesko se dlouhodob\u011b \u0159ad\u00ed na nejhor\u0161\u00ed p\u0159\u00ed\u010dky v Evropsk\u00e9 unii v pom\u011bru cen nemovitost\u00ed k pr\u016fm\u011brn\u00fdm mzd\u00e1m. \ud83d\udea8 Podle mezin\u00e1rodn\u00ed studie Deloitte Property Index pot\u0159ebuje b\u011b\u017en\u00fd \u010cech na po\u0159\u00edzen\u00ed nov\u00e9ho pr\u016fm\u011brn\u00e9ho bytu o rozloze 70 metr\u016f \u010dtvere\u010dn\u00edch 13,3 hrub\u00fdch ro\u010dn\u00edch plat\u016f. V Praze je situace je\u0161t\u011b kriti\u010dt\u011bj\u0161\u00ed, proto\u017ee tam kupuj\u00edc\u00ed mus\u00ed vynalo\u017eit 15 hrub\u00fdch ro\u010dn\u00edch mezd. To \u0159ad\u00ed \u010deskou metropoli na t\u0159et\u00ed nejhor\u0161\u00ed m\u00edsto v cel\u00e9 Evrop\u011b, hned za Amsterdam a At\u00e9ny. Z\u00e1sadn\u00edm d\u016fvodem \u010desk\u00e9 krize je pomal\u00e1 v\u00fdstavba nov\u00fdch byt\u016f, komplikovan\u00e1 mezin\u00e1rodn\u00ed i lok\u00e1ln\u00ed legislativa a vysok\u00e1 popt\u00e1vka ve velk\u00fdch m\u011bstech. Podle aktu\u00e1ln\u00edch dat Eurostatu a \u010cS\u00da v\u00edce ne\u017e 58 % mlad\u00fdch lid\u00ed do 30 let v \u010cesku st\u00e1le \u017eije v jedn\u00e9 dom\u00e1cnosti s rodi\u010di. Tento stav v\u00fdrazn\u011b odkl\u00e1d\u00e1 zakl\u00e1d\u00e1n\u00ed rodin, zvy\u0161uje pr\u016fm\u011brn\u00fd v\u011bk prvorodi\u010d\u016f a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/mladi-na-vlastni-byt-nedosahnou\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-13T12:18:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-13T12:21:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/10\/Fotky-pro-blog.png\" \/>\n\t<meta property=\"og:image:width\" content=\"740\" \/>\n\t<meta property=\"og:image:height\" content=\"494\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Karol\u00edna Nov\u00e1kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/mladi-na-vlastni-byt-nedosahnou\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/mladi-na-vlastni-byt-nedosahnou\\\/\"},\"author\":{\"name\":\"Karol\u00edna Nov\u00e1kov\u00e1\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/f50a8641c3a328040ea1b2d88859791f\"},\"headline\":\"Mlad\u00ed bez pomoci rodiny na vlastn\u00ed byt nedos\u00e1hnou: Co s t\u00edm?\",\"datePublished\":\"2026-10-13T12:18:39+00:00\",\"dateModified\":\"2026-10-13T12:21:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/mladi-na-vlastni-byt-nedosahnou\\\/\"},\"wordCount\":1409,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/mladi-na-vlastni-byt-nedosahnou\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/Fotky-pro-blog.png\",\"keywords\":[\"ceny nemovitost\u00ed\",\"hypot\u00e9ka\",\"n\u00e1kup nemovitosti\",\"vlastn\u00ed bydlen\u00ed\"],\"articleSection\":[\"Hypot\u00e9ky\",\"Osobn\u00ed finance\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/mladi-na-vlastni-byt-nedosahnou\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/mladi-na-vlastni-byt-nedosahnou\\\/\",\"name\":\"Mlad\u00ed bez pomoci rodiny na vlastn\u00ed byt nedos\u00e1hnou: Co s t\u00edm? 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