[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/je-treba-bydlet-a-to-rychle\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/je-treba-bydlet-a-to-rychle\/","headline":"Je t\u0159eba bydlet, a to rychle!","name":"Je t\u0159eba bydlet, a to rychle!","description":"D\u016fvody pro uzav\u0159\u00edt hypot\u00e9ku mohou b\u00fdt hned r\u016fzn\u00e9. Dle pr\u016fzkumu \u010cBA (\u010cesk\u00e9 bankovn\u00ed agentury) jde drtiv\u00e1 v\u011bt\u0161ina hypot\u00e9k na pokryt\u00ed n\u00e1klad\u016f na vlastn\u00ed bydlen\u00ed &ndash; to znamen\u00e1, \u017ee spousta lid\u00ed nakupuje byty a domy anebo stav\u00ed. B\u011b\u017en\u00e1 p\u016fj\u010dka ani na takov\u00fd byt nedos\u00e1hne, u\u017e n\u011bjak\u00fd ten p\u00e1tek. Ceny byt\u016f ale neust\u00e1le rostou a nijak se &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/je-treba-bydlet-a-to-rychle\/\"> <span class=\"screen-reader-text\">Je t\u0159eba bydlet, a to rychle!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2023-04-29","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a314652_w2000_t1525630470.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a314652_w2000_t1525630470.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/je-treba-bydlet-a-to-rychle\/","about":["Hypot\u00e9ky"],"wordCount":423,"articleBody":"D\u016fvody pro uzav\u0159\u00edt hypot\u00e9ku mohou b\u00fdt hned r\u016fzn\u00e9. Dle pr\u016fzkumu \u010cBA (\u010cesk\u00e9 bankovn\u00ed agentury) jde drtiv\u00e1 v\u011bt\u0161ina hypot\u00e9k na pokryt\u00ed n\u00e1klad\u016f na vlastn\u00ed bydlen\u00ed &ndash; to znamen\u00e1, \u017ee spousta lid\u00ed nakupuje byty a domy anebo stav\u00ed. B\u011b\u017en\u00e1 p\u016fj\u010dka ani na takov\u00fd byt nedos\u00e1hne, u\u017e n\u011bjak\u00fd ten p\u00e1tek. Ceny byt\u016f ale neust\u00e1le rostou a nijak se nezastavuj\u00ed. Sta\u010d\u00ed se pod\u00edvat do p\u011bkn\u011bj\u0161\u00ed \u010dtvrti ve m\u011bst\u011b jako je Olomouc a porovnat si ceny byt\u016f. Samoz\u0159ejm\u011b, klasick\u00fd panelov\u00fd byt klidn\u011b se\u017eenete i za 1 milion a p\u016fl, ale nap\u0159\u00edklad byty v&nbsp;nov\u00e9 \u010dtvrti u obchodn\u00edho domu \u0160antovka, tam se ceny \u0161plhaj\u00ed a\u017e do v\u00fd\u0161e 5 milion\u016f a v\u00fd\u0161e.&nbsp;\t\t73 % Lid\u00ed si po\u0159izuje hypot\u00e9ku na sv\u00e9 vlastn\u00ed bydlen\u00ed\t\t12 % lid\u00ed na rekonstrukci sv\u00e9ho st\u00e1vaj\u00edc\u00edho bydlen\u00ed\t\t7 % jako investici\t\tRefinancov\u00e1n\u00ed a dal\u0161\u00ed d\u016fvody&nbsp;M\u016f\u017eeme vid\u011bt, \u017ee zde m\u00e1me i n\u011bjak\u00e9 ty rekonstrukce st\u00e1vaj\u00edc\u00edho bydlen\u00ed, co\u017e by se klidn\u011b dalo zahrnout do bodu 1). Tro\u0161ku klesl po\u010det t\u011bch, kte\u0159\u00ed si berou hypot\u00e9ku kv\u016fli investici. A \u017ee se jedn\u00e1 o investici dobrou, to je bezesporu. Mnohem lep\u0161\u00ed ne\u017e zlato \u010di st\u0159\u00edbro je m\u00edt n\u011bjak\u00fd ten byt &ndash; zvl\u00e1\u0161t\u011b te\u010f, kdy\u017e cena nezadr\u017eiteln\u011b stoup\u00e1. A mo\u017en\u00e1 se ta cena nijak nezlep\u0161\u00ed, proto\u017ee na t\u00e9to planet\u011b je tak trochu omezen\u00fd po\u010det m\u00edst.&nbsp;\tRefinancov\u00e1n\u00edSkute\u010dn\u011b se vyplat\u00ed refinancovat si hypot\u00e9ku dal\u0161\u00ed hypot\u00e9kou? Dle nejnov\u011bj\u0161\u00edch trend\u016f asi horko t\u011b\u017eko, nebo\u0165 \u00farokov\u00e1 sazba hypot\u00e9k se neust\u00e1le posouv\u00e1 v\u00fd\u0161, a lid\u00e9 si je st\u00e1le neot\u0159ele berou. Je v\u0161ak pravda, \u017ee n\u011bkter\u00e9 banky se rozhodly \u00farokovou sazbu sn\u00ed\u017eit a trochu pozm\u011bnily \u00farokov\u00e9 sazby sm\u011brem dol\u016f, co\u017e je dozajista p\u0159\u00edjemn\u00e1 novinka na poli bankovnictv\u00ed.&nbsp;\tHypot\u00e9ky, to je b\u011bsNejnov\u011bj\u0161\u00ed finan\u010dn\u00ed celosv\u011btov\u00e1 krize byla pr\u00e1v\u011b d\u016fsledkem jist\u00e9ho nezaji\u0161t\u011bn\u00e9ho poskytov\u00e1n\u00ed hromadn\u00fdch hypot\u00e9k na p\u0159\u00edli\u0161 p\u0159edra\u017een\u00e9 nemovitosti, co\u017e lid\u00e9 nemohli splatit, nebo\u0165 to byly zkr\u00e1tka p\u0159\u00edli\u0161 vysok\u00e9 p\u00e1lky. A by\u0165 se finan\u010dn\u00ed strategie bank p\u0159ece jen trochu zm\u011bnila k&nbsp;udr\u017eiteln\u011bj\u0161\u00edmu, m\u016f\u017ee b\u00fdt jen ot\u00e1zkou \u010dasu ne\u017e n\u00e1s to tady zas\u00e1hne jako Barcelonu p\u0159ed 9 lety.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je t\u0159eba bydlet, a to rychle!","item":"https:\/\/www.zerba.cz\/je-treba-bydlet-a-to-rychle\/#breadcrumbitem"}]}]