[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.merstr.cz\/druzstevni-byt-je-vyhodnejsi\/#Article","mainEntityOfPage":"https:\/\/www.merstr.cz\/druzstevni-byt-je-vyhodnejsi\/","headline":"Dru\u017estevn\u00ed byt je v\u00fdhodn\u011bj\u0161\u00ed","name":"Dru\u017estevn\u00ed byt je v\u00fdhodn\u011bj\u0161\u00ed","description":"To, \u017ee cht\u011bj\u00ed lid\u00e9 bydlet ve sv\u00e9m vlastn\u00edm byt\u011b (nebo<span class=\"more-button\"><a href=\"https:\/\/www.merstr.cz\/druzstevni-byt-je-vyhodnejsi\/\" class=\"more-link\">P\u0159e\u010d\u00edst \u010dl\u00e1nek<span class=\"screen-reader-text\">Dru\u017estevn\u00ed byt je v\u00fdhodn\u011bj\u0161\u00ed<\/span><\/a><\/span>","datePublished":"2022-05-24","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.merstr.cz\/author\/#Person","name":"","url":"https:\/\/www.merstr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"merstr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.merstr.cz\/wp-content\/uploads\/rusk%C3%A9%20kop%C4%9Bjky_1.jpg","url":"https:\/\/www.merstr.cz\/wp-content\/uploads\/rusk%C3%A9%20kop%C4%9Bjky_1.jpg","height":0,"width":0},"url":"https:\/\/www.merstr.cz\/druzstevni-byt-je-vyhodnejsi\/","about":["Pen\u00edze"],"wordCount":417,"articleBody":"   To, \u017ee cht\u011bj\u00ed lid\u00e9 bydlet ve sv\u00e9m vlastn\u00edm byt\u011b (nebo rovnou dom\u011b), nen\u00ed nic neobvykl\u00e9ho. My lid\u00e9 prost\u011b chceme m\u00edt sv\u016fj domov, chceme m\u00edt m\u00edsto, kam bychom se mohli kdykoliv vracet a kam pat\u0159\u00edme, a to n\u00e1m pr\u00e1v\u011b podobn\u00e1 nemovitost nab\u00edz\u00ed. Jen\u017ee z\u00edsk\u00e1n\u00ed n\u011bjak\u00e9 takov\u00e9 st\u0159echy nad hlavou u n\u00e1s nikdy nebyla jednoduch\u00e1 z\u00e1le\u017eitost. V minulosti si musel sv\u016fj d\u016fm postavit (a strom zasadit a syna zplodit) ka\u017ed\u00fd mu\u017e, pak se za minul\u00e9ho re\u017eimu \u010dek\u00e1valo dlouh\u00e1 l\u00e9ta v po\u0159adn\u00edku, ne\u017e soudruzi n\u011bkomu n\u011bjak\u00fd ten st\u00e1tn\u00ed byt p\u0159iklepli, a dnes je to pro zm\u011bnu zase tak drah\u00e9, \u017ee si sv\u016fj byt jen tak n\u011bkdo za sv\u00e9 \u00faspory nekoup\u00ed.A jak se to tedy \u0159e\u0161\u00ed dnes? Dnes si lid\u00e9 obvykle mus\u00ed vz\u00edt hypot\u00e9ku, kterou koupi sv\u00e9ho bytu financuj\u00ed, a potom se mus\u00ed po dlouh\u00e1 l\u00e9ta uskrom\u0148ovat, aby takov\u00fd dluh splatili a mohli si kone\u010dn\u011b oddechnout, \u017ee bydl\u00ed ve sv\u00e9m.Ov\u0161em p\u016fj\u010dky se u n\u00e1s pochopiteln\u011b poskytuj\u00ed jenom t\u011bm, kdo jsou schopni je spl\u00e1cet. A ani u hypot\u00e9k tomu nen\u00ed jinak. A co kdy\u017e nastane situace, ve kter\u00e9 nen\u00ed \u017eadatel o hypot\u00e9ku schopen spl\u00e1cet ani tuto? K \u010demu\u017e pochopiteln\u011b doch\u00e1z\u00ed, proto\u017ee nemovitosti jsou drah\u00e9 a mus\u00ed se na n\u011b tud\u00ed\u017e p\u016fj\u010dovat vysok\u00e9 \u010d\u00e1stky, kter\u00e9 zkr\u00e1tka nejsou pro n\u011bkoho zvladateln\u00e9? Pak je logick\u00e9, \u017ee n\u011bkomu takov\u00e9mu v bance na koupi soukrom\u00e9 nemovitosti pen\u00edze nep\u016fj\u010d\u00ed.Co\u017e je nep\u0159\u00edjemn\u00e9. Ale je to trag\u00e9die? Vlastn\u011b nen\u00ed. Kdy\u017e toti\u017e n\u011bkomu nep\u016fj\u010d\u00ed banka na koupi vlastn\u00edho bytu, m\u016f\u017ee b\u00fdt takov\u00e9mu \u010dlov\u011bku \u010dasto poskytnuta aspo\u0148 nebankovn\u00ed hypot\u00e9ka na dru\u017estevn\u00ed byt nebankovnihypoteka.cz. Co\u017e je dokonal\u00e1 nab\u00eddka zejm\u00e9na pr\u00e1v\u011b pro ty, kte\u0159\u00ed na tradi\u010dn\u00ed hypot\u00e9ku nedos\u00e1hnou. Proto\u017ee jsou byty ve dru\u017estevn\u00edm vlastnictv\u00ed levn\u011bj\u0161\u00ed, sta\u010d\u00ed si na n\u011b tedy p\u016fj\u010dovat m\u00e9n\u011b pen\u011bz, a to znamen\u00e1 i nad\u011bji, \u017ee to zvl\u00e1dnou i ti, kte\u0159\u00ed by nem\u011bli na vy\u0161\u0161\u00ed spl\u00e1tky u soukrom\u00fdch nemovitost\u00ed.A pro\u010d by si n\u011bkdo tedy nepo\u0159\u00eddil m\u00edsto soukrom\u00e9ho bytu byt dru\u017estevn\u00ed? V\u017edy\u0165 je to vlastn\u011b skoro tot\u00e9\u017e.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (23 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dru\u017estevn\u00ed byt je v\u00fdhodn\u011bj\u0161\u00ed","item":"https:\/\/www.merstr.cz\/druzstevni-byt-je-vyhodnejsi\/#breadcrumbitem"}]}]