{"id":809,"date":"2022-09-08T13:26:22","date_gmt":"2022-09-08T13:26:22","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=809"},"modified":"2023-06-23T14:32:25","modified_gmt":"2023-06-23T13:32:25","slug":"pujcka-na-bydleni","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pujcka-na-bydleni\/","title":{"rendered":"Jak vybrat p\u016fj\u010dku na rekonstrukci nebo nov\u00fd n\u00e1bytek"},"content":{"rendered":"\n<p>M\u00edsto seda\u010dky v\u00e9vod\u00ed ob\u00fdv\u00e1ku dv\u011b rozvrzan\u00e1 k\u0159esla a pol\u00e9vka k ve\u010de\u0159i bubl\u00e1 na star\u00e9 plot\u00fdnce. I tak m\u016f\u017ee vypadat bydlen\u00ed v nov\u00e9m. St\u011bhov\u00e1n\u00ed toti\u017e stoj\u00ed spoustu energie i pen\u011bz a <strong>na posledn\u00ed detaily se \u010dasto nedostane<\/strong>. I po letech tak spousta z n\u00e1s bydl\u00ed v <strong>\u201edo\u010dasn\u00e9m\u201d \u0159e\u0161en\u00ed<\/strong>. Pokud je v\u00e1m tato situace pov\u011bdom\u00e1, mo\u017en\u00e1 je nejvy\u0161\u0161\u00ed \u010das <strong>dot\u00e1hnout sv\u016fj domov k dokonalosti<\/strong>.<\/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-p-j-ka-na-bydlen-na-co-si-d-t-pozor\">P\u016fj\u010dka na bydlen\u00ed \u2013 na co si d\u00e1t pozor<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-zaj-mejte-se-o-rpsn\">Zaj\u00edmejte se o RPSN<\/a><\/li><li class=\"\"><a href=\"#htoc-n-kup-na-spl-tky-promyslete\">N\u00e1kup na spl\u00e1tky promyslete<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-p-j-ka-na-bydlen-m-e-b-t-to-co-pot-ebujete\">P\u016fj\u010dka na bydlen\u00ed m\u016f\u017ee b\u00fdt to, co pot\u0159ebujete<\/a><\/li><li class=\"\"><a href=\"#htoc-v-t-stku-z-sk-te-s-americkou-hypot-kou\">V\u011bt\u0161\u00ed \u010d\u00e1stku z\u00edsk\u00e1te s americkou hypot\u00e9kou<\/a><\/li><li class=\"\"><a href=\"#htoc-banka-si-v-s-d-kladn-prov\">Banka si v\u00e1s d\u016fkladn\u011b prov\u011b\u0159\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-kryjeme-v-m-z-da\">Kryjeme v\u00e1m z\u00e1da<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-p-j-ka-na-bydlen-na-co-si-d-t-pozor\">P\u016fj\u010dka na bydlen\u00ed \u2013 na co si d\u00e1t pozor<\/h2>\n\n\n\n<p>P\u0159i za\u0159izov\u00e1n\u00ed bytu nebo domu m\u00e1te dv\u011b mo\u017enosti. Po\u010dkat, ne\u017e si na nov\u00e9 vybaven\u00ed za n\u011bkolik let na\u0161et\u0159\u00edte, nebo si ho za\u010d\u00edt u\u017e\u00edvat hned a postupn\u011b ho spl\u00e1cet. M\u011bs\u00ed\u010dn\u011b v\u00e1s to pravd\u011bpodobn\u011b vyjde na podobn\u00e9 pen\u00edze \u2013 rozd\u00edl je ale v pohodl\u00ed, kter\u00e9 m\u016f\u017eete m\u00edt v podstat\u011b okam\u017eit\u011b. Sta\u010d\u00ed si vy\u0159\u00eddit v\u00fdhodnou p\u016fj\u010dku. <\/p>\n\n\n\n<p><strong>Spo\u010d\u00edtejte si ji rovnou v na\u0161\u00ed hypote\u010dn\u00ed kalkula\u010dce:<\/strong><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version6\" frameborder=\"0\" allowfullscreen=\"\" width=\"90%\" height=\"728\" scrolling=\"1\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" name=\"banner2\" id=\"banner2\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-zaj-mejte-se-o-rpsn\">Zaj\u00edmejte se o RPSN<\/h3>\n\n\n\n<p>Neptejte se na \u00faroky, cht\u011bjte zn\u00e1t RPSN \u2013 tedy ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. I p\u016fj\u010dka s nulov\u00fdm \u00farokem m\u016f\u017ee ve v\u00fdsledku st\u00e1t spoustu pen\u011bz d\u00edky vysok\u00fdm poplatk\u016fm. Pr\u00e1v\u011b RPSN v\u00e1m \u0159ekne, kolik zaplat\u00edte celkem <strong>po zapo\u010d\u00edt\u00e1n\u00ed ve\u0161ker\u00fdch \u00farok\u016f i poplatk\u016f<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-n-kup-na-spl-tky-promyslete\">N\u00e1kup na spl\u00e1tky promyslete<\/h3>\n\n\n\n<p>V\u011bt\u0161ina obchod\u016f dnes nab\u00edz\u00ed <strong>n\u00e1kup na spl\u00e1tky<\/strong>. Vypad\u00e1 to sice jednodu\u0161e, ale dejte si na podobn\u00e9 nab\u00eddky pozor. Obchody obvykle tyto p\u016fj\u010dky vy\u0159izuj\u00ed prost\u0159ednictv\u00edm bankovn\u00edch nebo nebankovn\u00edch instituc\u00ed, a to <strong>zved\u00e1 cenu<\/strong>. U sv\u00e9 banky nebo spo\u0159itelny si nejsp\u00ed\u0161 dok\u00e1\u017eete vyjednat v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-p-j-ka-na-bydlen-m-e-b-t-to-co-pot-ebujete\">P\u016fj\u010dka na bydlen\u00ed m\u016f\u017ee b\u00fdt to, co pot\u0159ebujete<\/h2>\n\n\n\n<p>V bance nebo stavebn\u00ed spo\u0159iteln\u011b se ptejte po <strong>\u00fa\u010delov\u00e9m \u00fav\u011bru na bydlen\u00ed<\/strong>. Ten se od klasick\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru li\u0161\u00ed t\u00edm, \u017ee budete muset <strong>prok\u00e1zat, na co pen\u00edze \u0161ly<\/strong>. Sta\u010d\u00ed k tomu t\u0159eba faktury nebo fotografie. Za to ale dostanete <strong>lep\u0161\u00ed podm\u00ednky<\/strong>, u\u0161et\u0159\u00edte a spl\u00e1cen\u00ed si budete moci rozlo\u017eit <strong>a\u017e na 22 nebo 30 let<\/strong>.<\/p>\n\n\n\n<p>Do \u010d\u00e1stky okolo milionu nebo milionu a p\u016fl m\u016f\u017eete \u010derpat i <strong>nezaji\u0161t\u011bn\u00fd \u00fav\u011br,<\/strong> pro vy\u0161\u0161\u00ed \u010d\u00e1stky po v\u00e1s spo\u0159itelna bude cht\u00edt va\u0161i nemovitost jako z\u00e1stavu. To funguje jako pojistka, \u017ee dluh opravdu splat\u00edte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-v-t-stku-z-sk-te-s-americkou-hypot-kou\">V\u011bt\u0161\u00ed \u010d\u00e1stku z\u00edsk\u00e1te s americkou hypot\u00e9kou<\/h2>\n\n\n\n<p>Pokud se pou\u0161t\u00edte do v\u011bt\u0161\u00edch \u00faprav a pot\u0159ebujete <strong>n\u011bkolik milion\u016f<\/strong>, zva\u017ete takzvanou americkou hypot\u00e9ku. Ta sice vy\u017eaduje proti p\u016fj\u010den\u00e9 \u010d\u00e1stce <strong>z\u00e1stavu<\/strong>, na druhou stranu ji ale nemus\u00edte \u010derpat<strong> jen na bydlen\u00ed<\/strong>. D\u00edky tomu v\u00e1m odpadne pap\u00edrov\u00e1n\u00ed a prokazov\u00e1n\u00ed toho, jak jste pen\u00edze vyu\u017eili.<\/p>\n\n\n\n<p>I tady si m\u016f\u017eete rozlo\u017eit <strong>spl\u00e1tky na velmi dlouhou dobu<\/strong> a v porovn\u00e1n\u00ed se spot\u0159ebitelsk\u00fdm \u00fav\u011brem dostanete <strong>lep\u0161\u00ed podm\u00ednky<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-banka-si-v-s-d-kladn-prov\">Banka si v\u00e1s d\u016fkladn\u011b prov\u011b\u0159\u00ed<\/h2>\n\n\n\n<p>A\u0165 u\u017e p\u016fjdete do banky nebo do stavebn\u00ed spo\u0159itelny, p\u0159ipravte se na <strong>rentgenov\u00fd pohled do va\u0161\u00ed finan\u010dn\u00ed situace<\/strong>. Objevit se m\u016f\u017ee \u0161patn\u00e1 platebn\u00ed mor\u00e1lka z ml\u00e1d\u00ed, ale instituce se bude zaj\u00edmat hlavn\u011b o pom\u011br va\u0161ich p\u0159\u00edjm\u016f a povinn\u00fdch v\u00fddaj\u016f. Od toho se pak odv\u00edj\u00ed <strong>maxim\u00e1ln\u00ed v\u00fd\u0161e \u00fav\u011bru<\/strong> a <strong>\u00farokov\u00e1 sazba.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kryjeme-v-m-z-da\">Kryjeme v\u00e1m z\u00e1da<\/h2>\n\n\n\n<p>A\u0165 u\u017e chcete pomoci s hled\u00e1n\u00edm<strong> nejv\u00fdhodn\u011bj\u0161\u00edho \u0159e\u0161en\u00ed nap\u0159\u00ed\u010d bankami a spo\u0159itelnami<\/strong>, nebo se chcete poradit ohledn\u011b v\u00fdpis\u016f z \u00fa\u010detnictv\u00ed, jsme tu pro v\u00e1s.<a href=\"https:\/\/www.fingo.cz\/kontakty\"> Ozv\u011bte se n\u00e1m<\/a> a my v\u00e1m r\u00e1di zdarma pom\u016f\u017eeme.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u00edsto seda\u010dky v\u00e9vod\u00ed ob\u00fdv\u00e1ku dv\u011b rozvrzan\u00e1 k\u0159esla a pol\u00e9vka k ve\u010de\u0159i bubl\u00e1 na star\u00e9 plot\u00fdnce. I tak m\u016f\u017ee vypadat bydlen\u00ed v nov\u00e9m. St\u011bhov\u00e1n\u00ed toti\u017e stoj\u00ed spoustu energie i pen\u011bz a na posledn\u00ed detaily se \u010dasto nedostane. I po letech tak spousta z n\u00e1s bydl\u00ed v \u201edo\u010dasn\u00e9m\u201d \u0159e\u0161en\u00ed. Pokud je v\u00e1m tato situace pov\u011bdom\u00e1, mo\u017en\u00e1 je nejvy\u0161\u0161\u00ed \u010das dot\u00e1hnout sv\u016fj domov k dokonalosti. P\u016fj\u010dka na bydlen\u00ed \u2013 na co si d\u00e1t pozor P\u0159i za\u0159izov\u00e1n\u00ed bytu nebo domu m\u00e1te dv\u011b mo\u017enosti. Po\u010dkat, ne\u017e si na nov\u00e9 vybaven\u00ed za n\u011bkolik let na\u0161et\u0159\u00edte, nebo si ho za\u010d\u00edt u\u017e\u00edvat hned a postupn\u011b ho spl\u00e1cet. M\u011bs\u00ed\u010dn\u011b v\u00e1s to pravd\u011bpodobn\u011b vyjde na podobn\u00e9 pen\u00edze \u2013 rozd\u00edl je ale v pohodl\u00ed, kter\u00e9 m\u016f\u017eete m\u00edt v podstat\u011b okam\u017eit\u011b. Sta\u010d\u00ed si vy\u0159\u00eddit v\u00fdhodnou p\u016fj\u010dku. Spo\u010d\u00edtejte si ji rovnou v na\u0161\u00ed hypote\u010dn\u00ed kalkula\u010dce: Zaj\u00edmejte se o RPSN Neptejte se na \u00faroky, cht\u011bjte zn\u00e1t RPSN \u2013 tedy ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. I p\u016fj\u010dka s nulov\u00fdm \u00farokem m\u016f\u017ee ve v\u00fdsledku st\u00e1t spoustu pen\u011bz d\u00edky vysok\u00fdm poplatk\u016fm. Pr\u00e1v\u011b RPSN v\u00e1m \u0159ekne, kolik zaplat\u00edte celkem po zapo\u010d\u00edt\u00e1n\u00ed ve\u0161ker\u00fdch \u00farok\u016f i poplatk\u016f. N\u00e1kup na spl\u00e1tky promyslete V\u011bt\u0161ina obchod\u016f dnes nab\u00edz\u00ed n\u00e1kup na spl\u00e1tky. Vypad\u00e1 to sice jednodu\u0161e, ale dejte si na podobn\u00e9 nab\u00eddky pozor. Obchody obvykle [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":811,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[12,13,43],"class_list":["post-809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-hypoteka","tag-jana-vaisova","tag-rekonstrukce"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak na p\u016fj\u010dku na bydleni nebo nov\u00fd n\u00e1bytek - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Ne\u010dekejte, a\u017e si na nov\u00fd n\u00e1bytek na\u0161et\u0159\u00edte. 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