[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elector.cz\/muze-byt-i-hypoteka-na-pozemek\/#Article","mainEntityOfPage":"https:\/\/www.elector.cz\/muze-byt-i-hypoteka-na-pozemek\/","headline":"M\u016f\u017ee b\u00fdt i hypot\u00e9ka na pozemek?","name":"M\u016f\u017ee b\u00fdt i hypot\u00e9ka na pozemek?","description":"M\u00edt st\u0159echu nad hlavou je t\u00edm, co naprost\u00e1 v\u011bt\u0161ina lid\u00ed (alespo\u0148 v na\u0161\u00ed republice) pova\u017euje za z\u00e1klad. Ov\u0161em n\u011bkte\u0159\u00ed se nespokoj\u00ed s ji\u017e postaven\u00fdm domem \u010di bytem, ale cht\u011bj\u00ed si…","datePublished":"2020-08-14","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.elector.cz\/author\/#Person","name":"","url":"https:\/\/www.elector.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elector.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elector.cz\/wp-content\/uploads\/hypoteka4_10_9.jpg","url":"https:\/\/www.elector.cz\/wp-content\/uploads\/hypoteka4_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.elector.cz\/muze-byt-i-hypoteka-na-pozemek\/","about":["Finance"],"wordCount":461,"articleBody":"      M\u00edt st\u0159echu nad hlavou je t\u00edm, co naprost\u00e1 v\u011bt\u0161ina lid\u00ed (alespo\u0148 v na\u0161\u00ed republice) pova\u017euje za z\u00e1klad. Ov\u0161em n\u011bkte\u0159\u00ed se nespokoj\u00ed s ji\u017e postaven\u00fdm domem \u010di bytem, ale cht\u011bj\u00ed si postavit sv\u016fj vlastn\u00ed, p\u0159esn\u011b podle sv\u00fdch p\u0159edstav.To samoz\u0159ejm\u011b nen\u00ed nic nemo\u017en\u00e9ho \u2013 sta\u010d\u00ed si sehnat vhodnou stavebn\u00ed parcelu, ide\u00e1ln\u011b s ji\u017e zaveden\u00fdmi in\u017een\u00fdrsk\u00fdmi s\u00edt\u011bmi, a pustit se do toho. Je zde jen jeden probl\u00e9m: finance. Naprost\u00e1 v\u011bt\u0161ina lid\u00ed toti\u017e nem\u00e1 dostate\u010dn\u00fd p\u0159\u00edjem na to, aby mohla koupit pozemek, ne\u0159ku-li je\u0161t\u011b stav\u011bt d\u016fm. Jak toto dilema vy\u0159e\u0161it?Zde m\u016f\u017ee pomoci hypot\u00e9ka na pozemek. Jedn\u00e1 se o \u00fa\u010delovou p\u016fj\u010dku, ur\u010denou ke koupi konkr\u00e9tn\u00ed, p\u0159edem dan\u00e9 nemovitosti, v tomto p\u0159\u00edpad\u011b konkr\u00e9tn\u00edho pozemku. Jej\u00ed pomoc\u00ed m\u016f\u017eeme zafinancovat jak jeho koupi, tak i n\u00e1slednou stavbu.Je v\u0161ak samoz\u0159ejm\u00e9, \u017ee n\u00e1s to bude n\u011bco st\u00e1t. P\u0159eci jen, nic nen\u00ed zadarmo, a zvl\u00e1\u0161t\u011b ne p\u016fj\u010dka. Proto po\u010d\u00edtejte s t\u00edm, \u017ee budete muset platit \u00faroky a nejr\u016fzn\u011bj\u0161\u00ed poplatky, p\u0159esn\u011b podle smlouvy, kterou podep\u00ed\u0161ete.Samoz\u0159ejm\u011b se m\u016f\u017ee zd\u00e1t v\u00fdhodn\u011bj\u0161\u00ed rozlo\u017eit onu \u010d\u00e1stku pomoc\u00ed spl\u00e1tek na del\u0161\u00ed dobu, sp\u00ed\u0161e ne\u017e v\u0161e zaplatit najednou. Av\u0161ak, jak ji\u017e bylo \u0159e\u010deno, je nutn\u00e9 po\u010d\u00edtat i s \u00faroky a poplatky, kter\u00e9 ji mohou podstatn\u011b zvednout.Dal\u0161\u00ed v\u011bc, kter\u00e1 je u tohoto typu hypot\u00e9ky pon\u011bkud zr\u00e1dn\u00e1, je samotn\u00e1 stavba. V\u00fd\u0161e p\u016fj\u010dky, kterou na ni dostanete, je samoz\u0159ejm\u011b odvozena od rozpo\u010dtu stavby, kterou p\u0159edlo\u017e\u00edte p\u0159i pod\u00e1v\u00e1n\u00ed \u017e\u00e1dosti. To je samoz\u0159ejm\u011b v po\u0159\u00e1dku, av\u0161ak probl\u00e9mem m\u016f\u017ee b\u00fdt fakt, \u017ee se dan\u00fd rozpo\u010det jen m\u00e1lokdy poda\u0159\u00ed dodr\u017eet.Na vin\u011b m\u016f\u017ee b\u00fdt spousta v\u011bc\u00ed. Materi\u00e1l se m\u016f\u017ee cestou po\u0161kodit a je tedy nudn\u00e9 koupit novou v\u00e1rku, objev\u00ed se komplikace, kv\u016fli kter\u00fdm se stavba prodlou\u017e\u00ed a t\u00edm i mzda d\u011bln\u00edk\u016fm, zv\u00fd\u0161\u00ed se ceny, je toho zkr\u00e1tka spousta.Je v\u0161ak jasn\u00e9, \u017ee tyto situace nejsou danou hypot\u00e9kou kryt\u00e9. Mus\u00edme je zaplatit ze sv\u00e9ho, nav\u00edc ke spl\u00e1tk\u00e1m, kter\u00e9 d\u00edky hypot\u00e9ce m\u00e1me.Nakonec z\u00e1le\u017e\u00ed na n\u00e1s, jak si zvol\u00edme. Jen je lep\u0161\u00ed b\u00fdt v tomto p\u0159\u00edpad\u011b opatrn\u00ed a v\u0161e dob\u0159e propo\u010d\u00edtat. P\u0159eci jen nechceme p\u0159ij\u00edt o pen\u00edze, ne?                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u016f\u017ee b\u00fdt i hypot\u00e9ka na pozemek?","item":"https:\/\/www.elector.cz\/muze-byt-i-hypoteka-na-pozemek\/#breadcrumbitem"}]}]