[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nabital.cz\/zasadni-zivotni-kroky-nejsou-zadarmo\/#Article","mainEntityOfPage":"https:\/\/www.nabital.cz\/zasadni-zivotni-kroky-nejsou-zadarmo\/","headline":"Z\u00e1sadn\u00ed \u017eivotn\u00ed kroky nejsou zadarmo","name":"Z\u00e1sadn\u00ed \u017eivotn\u00ed kroky nejsou zadarmo","description":"Za \u017eivot n\u00e1s potk\u00e1 cel\u00e1 \u0159ada z\u00e1sadn\u00edch \u017eivotn\u00edch miln\u00edk\u016f, n\u011bkter\u00e9 jsou nahodil\u00e9, jin\u00e9 naopak m\u011bs\u00edce pl\u00e1novan\u00e9. Jedno maj\u00ed ale spole\u010dn\u00e9 \u2013 nejsou zadarmo. Jen m\u00e1lokdo m\u00e1 schovan\u00e9 statis\u00edce pod matrac\u00ed a tak p\u0159ich\u00e1z\u00ed na \u0159adu jedno z rozhodnut\u00ed, kter\u00e9 na n\u011bkolik des\u00edtek let ovlivn\u00ed n\u00e1\u0161 budouc\u00ed \u017eivot. Je to \u00fav\u011br. Je jedno, zda se rozhodneme […]","datePublished":"2021-02-19","dateModified":"2021-02-19","author":{"@type":"Person","@id":"https:\/\/www.nabital.cz\/author\/#Person","name":"","url":"https:\/\/www.nabital.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nabital.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nabital.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_8.jpg","url":"https:\/\/www.nabital.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_8.jpg","height":0,"width":0},"url":"https:\/\/www.nabital.cz\/zasadni-zivotni-kroky-nejsou-zadarmo\/","about":["Finance"],"wordCount":391,"articleBody":"   Za \u017eivot n\u00e1s potk\u00e1 cel\u00e1 \u0159ada z\u00e1sadn\u00edch \u017eivotn\u00edch miln\u00edk\u016f, n\u011bkter\u00e9 jsou nahodil\u00e9, jin\u00e9 naopak m\u011bs\u00edce pl\u00e1novan\u00e9. Jedno maj\u00ed ale spole\u010dn\u00e9 \u2013 nejsou zadarmo. Jen m\u00e1lokdo m\u00e1 schovan\u00e9 statis\u00edce pod matrac\u00ed a tak p\u0159ich\u00e1z\u00ed na \u0159adu jedno z rozhodnut\u00ed, kter\u00e9 na n\u011bkolik des\u00edtek let ovlivn\u00ed n\u00e1\u0161 budouc\u00ed \u017eivot. Je to \u00fav\u011br. Je jedno, zda se rozhodneme pro hypot\u00e9ku nebo zvol\u00edme n\u011bkter\u00fd ze spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Zkr\u00e1tka uzav\u0159eme z\u00e1vazek, kter\u00fd do jist\u00e9 m\u00edry bude n\u011bkolik let ukrajovat z na\u0161eho rodinn\u00e9ho rozpo\u010dtu. Jak u\u017e bylo \u0159e\u010deno, jedn\u00e1 se o z\u00e1vazek, kter\u00fd bude n\u011bjakou dobu na\u0161\u00ed sou\u010d\u00e1st\u00ed, je tedy zapot\u0159eb\u00ed tento \u017eivotn\u00ed krok neusp\u011bchat a n\u00e1le\u017eit\u011b promyslet. Pokud se rozhodneme pro vlastn\u00ed bydlen\u00ed, nejlevn\u011bj\u0161\u00ed hypot\u00e9kou https:\/\/www.fahd.cz\/ pro n\u00e1s bude ta na bydlen\u00ed. M\u00e1 celou \u0159adu v\u00fdhod, jako je n\u00edzk\u00e1 \u00farokov\u00e1 sazba, dlouh\u00e1 doba spl\u00e1cen\u00ed nebo dlouh\u00e1 doba fixace. Je v\u0161ak pot\u0159eba poznamenat, \u017ee se jedn\u00e1 o \u00fa\u010delov\u00fd \u00fav\u011br. V takov\u00e9m p\u0159\u00edpad\u011b mus\u00ed dlu\u017en\u00edk ve\u0161ker\u00e9 v\u00fddaje spojen\u00e9 s \u010derp\u00e1n\u00edm \u00fav\u011bru dokl\u00e1dat pomoc\u00ed dokument\u016f, faktur, \u00fa\u010dtenek atd. Ro\u010dn\u00ed \u00farokov\u00e1 sazba u t\u011bchto druh\u016f hypot\u00e9k je v\u0161ak v\u00edce ne\u017e v\u00fdhodn\u00e1, aktu\u00e1ln\u011b se pohybuje kolem 1,5%. Druhou mo\u017enost\u00ed jak financovat v\u011bt\u0161\u00ed rodinn\u00e9 v\u00fddaje je americk\u00e1 hypot\u00e9ka. \u0158ada lid\u00ed vs\u00e1z\u00ed pr\u00e1v\u011b na n\u00ed, nebo\u0165 je pro dlu\u017en\u00edka o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Tato benevolentnost je ale do jist\u00e9 m\u00edry vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou. Ta se aktu\u00e1ln\u011b pohybuje kolem 4-5%. U tohoto druhu hypot\u00e9ky v\u0161ak nen\u00ed pot\u0159eba dokl\u00e1dat, na co byly pen\u00edze pou\u017eity. \u00dav\u011br je ne\u00fa\u010delov\u00fd, p\u0159esto v\u0161ak tento druh hypot\u00e9ky nab\u00edz\u00ed a\u017e p\u0159\u00edli\u0161 n\u00edzkou \u00farokovou sazbu. Jak je to mo\u017en\u00e9? Je to d\u00edky z\u00e1stavb\u011b nemovitosti, d\u00edky kter\u00e9 je riziko pro banku ni\u017e\u0161\u00ed a m\u016f\u017ee tak poskytnou ni\u017e\u0161\u00ed \u00farok, ne\u017e je tomu v p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Maxim\u00e1ln\u00ed mo\u017en\u00e1 v\u00fd\u0161e p\u016fj\u010den\u00e9 \u010d\u00e1stky se pohybuje kolem 70% z\u00e1stavn\u00ed ceny nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1sadn\u00ed \u017eivotn\u00ed kroky nejsou zadarmo","item":"https:\/\/www.nabital.cz\/zasadni-zivotni-kroky-nejsou-zadarmo\/#breadcrumbitem"}]}]