[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-pozemek\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-pozemek\/","headline":"P\u016fj\u010dka a \u00fav\u011br na pozemek","name":"P\u016fj\u010dka a \u00fav\u011br na pozemek","description":"Chcete si koupit pozemek a za\u010d\u00edt stav\u011bt d\u016fm? Nebo chcete ru\u010dit pozemkem? Existuj\u00ed dva p\u0159\u00edpady, jak pochopit p\u016fj\u010dku na pozemek. Prvn\u00ed z&nbsp;nich je mo\u017enost, \u017ee si chceme pozemek koupit a za\u010d\u00edt stav\u011bt novostavbu nebo si n\u00e1sledn\u011b na pozemek m\u016f\u017eete nechat dov\u00e9zt t\u0159eba mobiln\u00ed d\u016fm. Koup\u011b pozemku nen\u00ed levn\u00e1 investice. Ceny se zvedly a u\u017e to &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-na-pozemek\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br na pozemek<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-13","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}},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-pozemek\/","about":["P\u016fj\u010dky"],"wordCount":430,"articleBody":"Chcete si koupit pozemek a za\u010d\u00edt stav\u011bt d\u016fm? Nebo chcete ru\u010dit pozemkem? Existuj\u00ed dva p\u0159\u00edpady, jak pochopit p\u016fj\u010dku na pozemek. Prvn\u00ed z&nbsp;nich je mo\u017enost, \u017ee si chceme pozemek koupit a za\u010d\u00edt stav\u011bt novostavbu nebo si n\u00e1sledn\u011b na pozemek m\u016f\u017eete nechat dov\u00e9zt t\u0159eba mobiln\u00ed d\u016fm. Koup\u011b pozemku nen\u00ed levn\u00e1 investice. Ceny se zvedly a u\u017e to nen\u00ed bohu\u017eel jako kdysi, kdy\u017e sta\u010dilo za metr \u010dtvere\u010dn\u00ed p\u00e1r korun. Dne\u0161n\u00ed hodnoty parcel \u0161plhaj\u00ed vysoko a \u010dasto za tis\u00edc metr\u016f \u010dtvere\u010dn\u00edch zaplat\u00edte skoro milion nebo i p\u0159es milion, dle lokality a popt\u00e1vky. Cena parcely tedy m\u016f\u017ee b\u00fdt i n\u011bkolik stovek tis\u00edc a\u017e po miliony. Tento velk\u00fd krok je pouze za\u010d\u00e1tkem. V&nbsp;p\u0159\u00edpad\u011b, \u017ee nem\u00e1me na\u0161et\u0159en\u00e9 pen\u00edze, m\u016f\u017eeme vyu\u017e\u00edt n\u011bkolik zp\u016fsob\u016f, jak si na pozemek p\u016fj\u010dit. \u00dav\u011br na pozemek poskytuj\u00ed banky i nebankovn\u00ed spole\u010dnosti. V&nbsp;tomto p\u0159\u00edpad\u011b se z\u0159ejm\u011b bude jednat o \u00fa\u010delov\u00fd \u00fav\u011br \u010dili s&nbsp;m\u00edrn\u011bj\u0161\u00ed sazbou \u00farok\u016f, v&nbsp;p\u0159\u00edpad\u011b ne\u00fa\u010delov\u00e9ho \u00fav\u011bru bychom se mohli setkat s&nbsp;o n\u011bco vy\u0161\u0161\u00edm \u00farokem, ale op\u011bt z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edm poskytovateli. M\u016f\u017eete vyu\u017e\u00edt oba dva zp\u016fsoby. Dal\u0161\u00edm zp\u016fsobem je ru\u010den\u00ed nemovitost\u00ed. N\u011bjakou, kterou m\u00e1te ve vlastnictv\u00ed nap\u0159\u00edklad d\u016fm po rodi\u010d\u00edch, sou\u010dasn\u00fd byt, ve kter\u00e9m bydl\u00edte a chcete se p\u0159est\u011bhovat a tak podobn\u011b.\tFinancov\u00e1n\u00ed pozemkuJestli\u017ee chceme za\u010d\u00edt stav\u011bt vlastn\u00ed d\u016fm, je nezbytn\u00e9 vlastnit i parcelu. Tam to v\u0161echno za\u010d\u00edn\u00e1. Mezi dal\u0161\u00ed mo\u017enosti, jak na p\u016fj\u010dku na pozemek, pat\u0159\u00ed samoz\u0159ejm\u011b hypot\u00e9ka. Hypot\u00e9ka na parcelu m\u016f\u017ee b\u00fdt poskytnuta zvl\u00e1\u0161\u0165 nebo v&nbsp;souvislosti se stavbou domu \u010dili by se spojila parcela a stavba a z\u00edskali byste jeden hypote\u010dn\u00ed \u00fav\u011br nebo lze financov\u00e1n\u00ed rozd\u011blit. Pokud chcete \u0159e\u0161it p\u016fj\u010dku na pozemek nyn\u00ed, koupit si jej, a je\u0161t\u011b se rozhodovat, co s&nbsp;n\u00edm vlastn\u011b ud\u011bl\u00e1te, je lep\u0161\u00ed \u0159e\u0161it pouze hypot\u00e9ku na pozemek. Pokud pl\u00e1nujete hned i stavbu, je pro n\u011bkter\u00e9 klienty lep\u0161\u00ed to spojit. Pokud jednou d\u00e1te pozemek do z\u00e1stavy n\u011bkter\u00e9 spole\u010dnosti, mus\u00edte u n\u00ed n\u00e1sledn\u011b \u0159e\u0161it i hypot\u00e9ku na stavbu.                                                                                                                                                                                                                                                                                                                                                                                                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