[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.octave.cz\/maji-dnes-mladi-lide-sanci-ziskat-vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.octave.cz\/maji-dnes-mladi-lide-sanci-ziskat-vlastni-bydleni\/","headline":"Maj\u00ed dnes mlad\u00ed lid\u00e9 \u0161anci z\u00edskat vlastn\u00ed bydlen\u00ed?","name":"Maj\u00ed dnes mlad\u00ed lid\u00e9 \u0161anci z\u00edskat vlastn\u00ed bydlen\u00ed?","description":"Bydlet ve vlastn\u00edm je snem spousty lid\u00ed, av\u0161ak s rostouc\u00edmi cenami nemovitost\u00ed i hypot\u00e9k, se tento sen za\u010d\u00edn\u00e1 rozpl\u00fdvat, a st\u00e1v\u00e1 se nere\u00e1ln\u00fdm v\u00edc, ne\u017e","datePublished":"2022-07-09","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.octave.cz\/author\/#Person","name":"","url":"https:\/\/www.octave.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"octave.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.octave.cz\/wp-content\/uploads\/house-540796_640_1.jpg","url":"https:\/\/www.octave.cz\/wp-content\/uploads\/house-540796_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.octave.cz\/maji-dnes-mladi-lide-sanci-ziskat-vlastni-bydleni\/","about":["Finance"],"wordCount":472,"articleBody":"        Bydlet ve vlastn\u00edm je snem spousty lid\u00ed, av\u0161ak s rostouc\u00edmi cenami nemovitost\u00ed i hypot\u00e9k, se tento sen za\u010d\u00edn\u00e1 rozpl\u00fdvat, a st\u00e1v\u00e1 se nere\u00e1ln\u00fdm v\u00edc, ne\u017e kdy d\u0159\u00edv. Zat\u00edmco d\u0159\u00edv lid\u00e9 sh\u00e1n\u011bli pen\u00edze na novostavby, dnes je faktem, \u017ee lid\u00e9 sni\u017euj\u00ed sv\u00e9 n\u00e1roky, a i tak mnohdy nedos\u00e1hnou napln\u011bn\u00ed  http:\/\/www.strukturalni-fondy.cz\/cs\/Microsites\/IROP\/Novinky\/Zverejneni-doporucujiciho-manualu-k-postupum-pri-prokazani-a-kontrole sv\u00e9ho snu. Bereme si hypot\u00e9ky https:\/\/www.americkahypoteka.cz\/bereme-si-hypoteky\/ na koupi pozemk\u016f, nebo rozpadaj\u00edc\u00edch se ruin, a i tak se nepo\u0161t\u011bst\u00ed ka\u017ed\u00e9mu. Pravidla v bank\u00e1ch jsou toti\u017e jasn\u00e1 – mus\u00edte m\u00edt vysok\u00e9 p\u0159\u00edjmy, abyste na hypot\u00e9ku dos\u00e1hli.Jak to vlastn\u011b s bydlen\u00edm vypad\u00e1?Pro mlad\u00e9 lidi, jejich\u017e zam\u011bstn\u00e1n\u00ed je b\u011b\u017en\u00e9, jako t\u0159eba d\u011blnick\u00e9, \u010di pr\u00e1ce v obchod\u011b, je z\u00edsk\u00e1n\u00ed hypot\u00e9ky skute\u010dn\u011b nere\u00e1ln\u00e9. P\u0159i pr\u00e1ci ve fabrik\u00e1ch se toti\u017e n\u00e1stupn\u00ed plat pohybuje mnohdy i okolo 15 000K\u010d \u010dist\u00e9ho, a i kdy\u017e se \u010dlov\u011bk po letech vypracuje na n\u011bjak\u00fdch 20 000K\u010d, nem\u00e1 na hypot\u00e9ku n\u00e1rok. Ta je dostupn\u00e1 tedy jen t\u011bm, kte\u0159\u00ed pracuj\u00ed za nadstandardn\u00edch platov\u00fdch podm\u00ednek, nikoliv pro b\u011b\u017en\u00e9 \u0159adov\u00e9 zam\u011bstnance. \u010cekat v\u0161ak se zalo\u017een\u00edm rodiny na vlastn\u00ed bydlen\u00ed je mnohdy nere\u00e1ln\u00e9, a tak mnoz\u00ed mlad\u00ed musej\u00ed i s d\u011btmi bydlet ve st\u00edsn\u011bn\u00fdch podm\u00ednk\u00e1ch u rodi\u010d\u016f, nebo v n\u00e1jemn\u00edm byt\u011b.N\u011bkdy to snad jdeM\u00e1te ve sv\u00e9m okol\u00ed n\u011bkoho, jeho\u017e p\u0159\u00edjmy jsou oby\u010dejn\u00e9, av\u0161ak z\u00edskal hypot\u00e9ku? Mo\u017en\u00e9 to je. Je v\u0161ak pot\u0159eba naj\u00edt n\u011bkoho, kdo se za v\u00e1s zaru\u010d\u00ed, a to bu\u010f jako spoludlu\u017en\u00edk, nebo se zaru\u010d\u00ed vlastn\u00ed nemovitost\u00ed. Tuto \u00falohu obvykle pln\u00ed rodi\u010de, sourozenci, nebo partner.Jsou i jin\u00e9 mo\u017enosti?Postupn\u011b se \u010d\u00edm d\u00e1l v\u00edc mlad\u00fdch lid\u00ed obrac\u00ed na nebankovn\u00ed spole\u010dnosti, jejich\u017e podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky b\u00fdvaj\u00ed mnohem m\u00edrn\u011bj\u0161\u00ed, av\u0161ak mnohdy s podobn\u00fdm, \u010di dokonce stejn\u00fdm \u00farokem, jak\u00fd nab\u00edzej\u00ed banky. Tyto spole\u010dnosti si to mohou dovolit, jeliko\u017e nejsou v\u00e1z\u00e1ny p\u0159\u00edsn\u00fdmi bankovn\u00edmi p\u0159edpisy.Jin\u00e9 zem\u011bN\u011bkdo by snad \u0159ekl, \u017ee v jin\u00fdch zem\u00edch to maj\u00ed lid\u00e9 snaz\u0161\u00ed. Vy\u0161\u0161\u00ed platy, ni\u017e\u0161\u00ed ceny. N\u011bkde to tak opravdu je, je v\u0161ak ale t\u0159eba si uv\u011bdomit, \u017ee v t\u011bchto jin\u00fdch zem\u00edch mnoho lid\u00ed bydl\u00ed v n\u00e1jmu, a nepot\u0159ebuj\u00ed vlastnit, nebo neinvestuj\u00ed tolik do opravy nemovitosti,a za sv\u00e9 pen\u00edze si rad\u011bji u\u017e\u00edvaj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  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