{"id":817,"date":"2022-09-20T08:40:37","date_gmt":"2022-09-20T08:40:37","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=817"},"modified":"2022-12-21T10:40:32","modified_gmt":"2022-12-21T09:40:32","slug":"jak-setrit-na-hypoteku-kdyz-jste-v-pronajmu","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-setrit-na-hypoteku-kdyz-jste-v-pronajmu\/","title":{"rendered":"Jak \u0161et\u0159it na hypot\u00e9ku, kdy\u017e jste v\u00a0pron\u00e1jmu?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Situace na trhu s&nbsp;realitami nen\u00ed v&nbsp;dne\u0161n\u00ed dob\u011b \u00fapln\u011b r\u016f\u017eov\u00e1. To ale neznamen\u00e1, \u017ee se za p\u00e1r let karty nem\u016f\u017eou oto\u010dit. Mo\u017enost\u00ed koup\u011b pak t\u0159eba bude mnohem v\u00edc. Pokud do budoucna uva\u017eujete o vlastn\u00edm bydlen\u00ed, je <strong>dobr\u00e9 za\u010d\u00edt spo\u0159it co nejd\u0159\u00edve<\/strong>. T\u0159eba po p\u0159e\u010dten\u00ed tohoto \u010dl\u00e1nku.&nbsp;<\/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-vyty-te-si-c-le-et-en-na-co-a-za-kolik\">Vyty\u010dte si c\u00edle \u0161et\u0159en\u00ed: na co a za kolik<\/a><\/li><li class=\"\"><a href=\"#htoc-et-en-pen-z-pravidlo-50-30-20\">\u0160et\u0159en\u00ed pen\u011bz: pravidlo 50\/30\/20<\/a><\/li><li class=\"\"><a href=\"#htoc-omezte-v-daje\">Omezte v\u00fddaje<\/a><\/li><li class=\"\"><a href=\"#htoc-hypot-ka-nebo-pron-jem\">Hypot\u00e9ka nebo pron\u00e1jem\u2026<\/a><\/li><li class=\"\"><a href=\"#htoc-t-st-p-eje-p-ipraven-m\">\u0160t\u011bst\u00ed p\u0159eje p\u0159ipraven\u00fdm<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Jak ale \u0161et\u0159it, kdy\u017e u toho z\u00e1rove\u0148 plat\u00edte pron\u00e1jem? A\u010dkoli se m\u016f\u017ee zd\u00e1t, \u017ee hypot\u00e9ka a pron\u00e1jem nejdou dohromady, nen\u00ed to tak \u00fapln\u011b pravda.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-vyty-te-si-c-le-et-en-na-co-a-za-kolik\"><strong>Vyty\u010dte si c\u00edle \u0161et\u0159en\u00ed: na co a za kolik<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pro to, abyste si mohli <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">hypot\u00e9ku u banky sjednat<\/a>, mus\u00edte <strong>splnit \u0159adu podm\u00ednek<\/strong>. Jednou z&nbsp;nich je ukazatel LTV, kter\u00fd ud\u00e1v\u00e1 pom\u011br hypote\u010dn\u00edho \u00fav\u011bru k&nbsp;nemovitosti.&nbsp; Jednodu\u0161e \u0159e\u010deno stanovuje, kolik v\u00e1m banka z&nbsp;ceny nemovitosti maxim\u00e1ln\u011b p\u016fj\u010d\u00ed. To v\u00e1m d\u00e1 alespo\u0148 z\u00e1kladn\u00ed <strong>p\u0159edstavu<\/strong> o tom, <strong>kolik pen\u011bz budete pot\u0159ebovat.<\/strong><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version5\" 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<h2 class=\"wp-block-heading\" id=\"htoc-et-en-pen-z-pravidlo-50-30-20\"><strong>\u0160et\u0159en\u00ed pen\u011bz:<\/strong><strong> pravidlo 50\/30\/20<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pravidlo 50\/30\/20 je jednou z&nbsp;cest, <strong>jak u\u0161et\u0159it pen\u00edze<\/strong>. Rad\u00ed v\u00e1m, kolik procent \u010dist\u00e9ho p\u0159\u00edjmu by m\u011blo padnout na r\u016fzn\u00e9 typy v\u00fddaj\u016f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50 % \u2013 bydlen\u00ed, slo\u017eenky, doprava, j\u00eddlo\u2026<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Nejv\u011bt\u0161\u00ed, ale z\u00e1rove\u0148 i nejd\u016fle\u017eit\u011bj\u0161\u00ed \u010d\u00e1st v\u00fddaj\u016f tvo\u0159\u00ed ty, kter\u00e9 jsou pot\u0159ebn\u00e9 pro ka\u017edodenn\u00ed fungov\u00e1n\u00ed.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>30 % \u2013 kon\u00ed\u010dky, z\u00e1bava, oble\u010den\u00ed\u2026<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>30procentn\u00ed \u010d\u00e1st tvo\u0159\u00ed v\u00fddaje pro radost \u2013 na kulturu, oble\u010den\u00ed nebo restaurace. Pokud jste schopni i tuto \u010d\u00e1st u\u0161et\u0159it, t\u00edm l\u00e9pe pro v\u00e1s!<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>20 % \u2013 \u00faspory<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Posledn\u00ed p\u011btina je ur\u010den\u00e1 k&nbsp;\u00faspor\u00e1m nebo jako p\u0159\u00edpadn\u00e1 rezerva.&nbsp;<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-omezte-v-daje\"><strong>Omezte v\u00fddaje<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dvac\u00e1t\u00e9 boty, streamovac\u00ed p\u0159edplatn\u00e9 a \u010dast\u00e9 luxusn\u00ed ve\u010de\u0159e v&nbsp;centru m\u011bsta. Zkuste pop\u0159em\u00fd\u0161let, za co ve sv\u00e9 dom\u00e1cnosti p\u0159epl\u00e1c\u00edte a kde m\u00e1te prostor se uskromnit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste v\u011bd\u011bli, kde u\u0161et\u0159it, doporu\u010dujeme si <strong>v\u00fddaje zapisovat<\/strong>. K&nbsp;tomu v\u00e1m posta\u010d\u00ed oby\u010dejn\u00e1 tu\u017eka a pap\u00edr nebo m\u016f\u017eete vyu\u017e\u00edt celou \u0159adu <strong>aplikac\u00ed do chytr\u00fdch telefon\u016f<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-hypot-ka-nebo-pron-jem\"><strong>Hypot\u00e9ka nebo pron\u00e1jem<\/strong><strong>\u2026<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2026se l\u00e9pe sn\u00e1\u0161\u00ed ve dvou. \u0160et\u0159en\u00ed pen\u011bz je mnohem jednodu\u0161\u0161\u00ed, pokud se o finan\u010dn\u00ed b\u0159\u00edm\u011b m\u00e1te s&nbsp;k\u00fdm rozd\u011blit. <strong>Spolubydlen\u00ed je rozhodn\u011b jedna z&nbsp;cest.<\/strong> A\u0165 u\u017e je to \u017eivotn\u00ed partner nebo kamar\u00e1d, pomocn\u00e1 ruka v&nbsp;podob\u011b rozd\u011blen\u00fdch n\u00e1klad\u016f v\u00e1m m\u016f\u017ee u\u0161et\u0159it spoustu pen\u011bz.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-t-st-p-eje-p-ipraven-m\"><strong>\u0160t\u011bst\u00ed p\u0159eje p\u0159ipraven\u00fdm<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdo m\u00e1 naspo\u0159en\u00e9 pen\u00edze, je p\u0159i po\u0159izov\u00e1n\u00ed bydlen\u00ed o krok nap\u0159ed. D\u00edky tomu nap\u0159\u00edklad zvl\u00e1dnete slo\u017eit minim\u00e1ln\u011b po\u017eadovan\u00fdch 10 % ceny nemovitosti z vlastn\u00edch zdroj\u016f. Jakmile v\u00e1m to situace dovol\u00ed, odkl\u00e1dejte si pen\u00edze bokem, t\u0159eba na stavebn\u00ed spo\u0159en\u00ed. Za\u010d\u00edt se d\u00e1 kdykoli. Hlavn\u00ed ale je vydr\u017eet a nevzdat se. Nejen se spo\u0159en\u00edm, ale i s dal\u0161\u00edmi zp\u016fsoby ukl\u00e1d\u00e1n\u00ed pen\u011bz v\u00e1m <a href=\"https:\/\/www.fingo.cz\/kontakty\">pom\u016f\u017eou poradci FinGo<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Situace na trhu s&nbsp;realitami nen\u00ed v&nbsp;dne\u0161n\u00ed dob\u011b \u00fapln\u011b r\u016f\u017eov\u00e1. To ale neznamen\u00e1, \u017ee se za p\u00e1r let karty nem\u016f\u017eou oto\u010dit. Mo\u017enost\u00ed koup\u011b pak t\u0159eba bude mnohem v\u00edc. Pokud do budoucna uva\u017eujete o vlastn\u00edm bydlen\u00ed, je dobr\u00e9 za\u010d\u00edt spo\u0159it co nejd\u0159\u00edve. T\u0159eba po p\u0159e\u010dten\u00ed tohoto \u010dl\u00e1nku.&nbsp; Jak ale \u0161et\u0159it, kdy\u017e u toho z\u00e1rove\u0148 plat\u00edte pron\u00e1jem? A\u010dkoli se m\u016f\u017ee zd\u00e1t, \u017ee hypot\u00e9ka a pron\u00e1jem nejdou dohromady, nen\u00ed to tak \u00fapln\u011b pravda.&nbsp;&nbsp; Vyty\u010dte si c\u00edle \u0161et\u0159en\u00ed: na co a za kolik Pro to, abyste si mohli hypot\u00e9ku u banky sjednat, mus\u00edte splnit \u0159adu podm\u00ednek. Jednou z&nbsp;nich je ukazatel LTV, kter\u00fd ud\u00e1v\u00e1 pom\u011br hypote\u010dn\u00edho \u00fav\u011bru k&nbsp;nemovitosti.&nbsp; Jednodu\u0161e \u0159e\u010deno stanovuje, kolik v\u00e1m banka z&nbsp;ceny nemovitosti maxim\u00e1ln\u011b p\u016fj\u010d\u00ed. To v\u00e1m d\u00e1 alespo\u0148 z\u00e1kladn\u00ed p\u0159edstavu o tom, kolik pen\u011bz budete pot\u0159ebovat. \u0160et\u0159en\u00ed pen\u011bz: pravidlo 50\/30\/20 Pravidlo 50\/30\/20 je jednou z&nbsp;cest, jak u\u0161et\u0159it pen\u00edze. Rad\u00ed v\u00e1m, kolik procent \u010dist\u00e9ho p\u0159\u00edjmu by m\u011blo padnout na r\u016fzn\u00e9 typy v\u00fddaj\u016f. Nejv\u011bt\u0161\u00ed, ale z\u00e1rove\u0148 i nejd\u016fle\u017eit\u011bj\u0161\u00ed \u010d\u00e1st v\u00fddaj\u016f tvo\u0159\u00ed ty, kter\u00e9 jsou pot\u0159ebn\u00e9 pro ka\u017edodenn\u00ed fungov\u00e1n\u00ed. 30procentn\u00ed \u010d\u00e1st tvo\u0159\u00ed v\u00fddaje pro radost \u2013 na kulturu, oble\u010den\u00ed nebo restaurace. Pokud jste schopni i tuto \u010d\u00e1st u\u0161et\u0159it, t\u00edm l\u00e9pe pro v\u00e1s! Posledn\u00ed p\u011btina je ur\u010den\u00e1 k&nbsp;\u00faspor\u00e1m nebo jako p\u0159\u00edpadn\u00e1 rezerva.&nbsp; Omezte v\u00fddaje Dvac\u00e1t\u00e9 boty, [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":823,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[12,13,42,41],"class_list":["post-817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","tag-hypoteka","tag-jana-vaisova","tag-nakup-nemovitosti","tag-pronajem"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak \u0161et\u0159it na hypot\u00e9ku, kdy\u017e jste v\u00a0pron\u00e1jmu? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Jak \u0161et\u0159it na hypot\u00e9ku, kdy\u017e je\u0161t\u011b plat\u00edte pron\u00e1jem? 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