{"id":197,"date":"2025-03-06T10:30:47","date_gmt":"2025-03-06T09:30:47","guid":{"rendered":"https:\/\/hypo-online.cz\/blog\/?p=197"},"modified":"2025-03-06T10:30:47","modified_gmt":"2025-03-06T09:30:47","slug":"druzstevni-byt-a-hypoteka-nejdou-vzdy-ruku-v-ruce-moznosti-financovani-jsou-odlisne","status":"publish","type":"post","link":"https:\/\/hypo-online.cz\/blog\/2025\/03\/06\/druzstevni-byt-a-hypoteka-nejdou-vzdy-ruku-v-ruce-moznosti-financovani-jsou-odlisne\/","title":{"rendered":"Dru\u017estevn\u00ed byt a hypot\u00e9ka nejdou v\u017edy ruku v ruce. Mo\u017enosti financov\u00e1n\u00ed jsou odli\u0161n\u00e9."},"content":{"rendered":"<h3 data-start=\"55\" data-end=\"99\">Dru\u017estevn\u00ed bydlen\u00ed: Jak ho financovat?<\/h3>\n<p data-start=\"100\" data-end=\"350\">Dru\u017estevn\u00ed bydlen\u00ed m\u00e1 v \u010cesku dlouhou tradici a v posledn\u00edch letech se znovu rozm\u00e1h\u00e1, zejm\u00e9na d\u00edky developer\u016fm. Jeho po\u0159\u00edzen\u00ed v\u0161ak p\u0159in\u00e1\u0161\u00ed specifick\u00e9 finan\u010dn\u00ed v\u00fdzvy, proto\u017ee klasick\u00e1 hypot\u00e9ka obvykle nen\u00ed mo\u017en\u00e1. Jak\u00e9 jsou tedy mo\u017enosti financov\u00e1n\u00ed?<\/p>\n<h4 data-start=\"352\" data-end=\"400\">Star\u0161\u00ed dru\u017estevn\u00ed byty a \u00fav\u011brov\u00e9 mo\u017enosti<\/h4>\n<p data-start=\"401\" data-end=\"593\">Dru\u017estevn\u00ed byty z minul\u00fdch let z\u016fst\u00e1vaj\u00ed b\u011b\u017enou sou\u010d\u00e1st\u00ed trhu. Koup\u00ed takov\u00e9ho bytu si v\u0161ak po\u0159izujete dru\u017estevn\u00ed pod\u00edl, nikoli samotnou nemovitost, a tud\u00ed\u017e chyb\u00ed mo\u017enost ru\u010den\u00ed pro hypot\u00e9ku.<\/p>\n<p data-start=\"595\" data-end=\"646\">Alternativou jsou \u00fav\u011bry od stavebn\u00edch spo\u0159itelen:<\/p>\n<ul data-start=\"647\" data-end=\"927\">\n<li data-start=\"647\" data-end=\"762\"><strong data-start=\"649\" data-end=\"683\">Raiffeisen stavebn\u00ed spo\u0159itelna<\/strong> \u2013 a\u017e 3 miliony K\u010d, \u00farok od 5,09 %, splatnost 25 let, bez nutnosti zaji\u0161t\u011bn\u00ed.<\/li>\n<li data-start=\"763\" data-end=\"838\"><strong data-start=\"765\" data-end=\"781\">Bu\u0159inka (\u010cS)<\/strong> \u2013 a\u017e 3,5 milionu K\u010d, \u00farok od 5,29 %, splatnost 25 let.<\/li>\n<li data-start=\"839\" data-end=\"927\"><strong data-start=\"841\" data-end=\"863\">MONETA Expres Home<\/strong> \u2013 p\u016fj\u010dka do 1,5 milionu K\u010d, \u00farok od 4,49 %, splatnost 25 let.<\/li>\n<\/ul>\n<p data-start=\"929\" data-end=\"1169\">Dal\u0161\u00ed mo\u017enost\u00ed je <strong data-start=\"947\" data-end=\"969\">p\u0159edhypote\u010dn\u00ed \u00fav\u011br<\/strong>, kter\u00fd do\u010dasn\u011b pokryje financov\u00e1n\u00ed bytu, ne\u017e dojde k jeho p\u0159evodu do osobn\u00edho vlastnictv\u00ed. \u010cesk\u00e1 spo\u0159itelna nap\u0159\u00edklad nab\u00edz\u00ed a\u017e 5 milion\u016f K\u010d na 2 roky, pot\u00e9 se \u00fav\u011br p\u0159eklop\u00ed na standardn\u00ed hypot\u00e9ku.<\/p>\n<h4 data-start=\"1171\" data-end=\"1207\">Dru\u017estevn\u00ed byty od developer\u016f<\/h4>\n<p data-start=\"1208\" data-end=\"1440\">Nov\u00e9 dru\u017estevn\u00ed byty od developer\u016f nevy\u017eaduj\u00ed hypot\u00e9ku. Kupuj\u00edc\u00ed slo\u017e\u00ed 20\u201330 % ceny bytu, zbytek uhrad\u00ed dru\u017estvo \u00fav\u011brem. M\u011bs\u00ed\u010dn\u011b pak spl\u00e1c\u00ed dru\u017estvu, kter\u00e9 spl\u00e1c\u00ed bance. Po doplacen\u00ed anuity lze byt p\u0159ev\u00e9st do osobn\u00edho vlastnictv\u00ed.<\/p>\n<p data-start=\"1442\" data-end=\"1595\">Tento model je v\u00fdhodn\u00fd zejm\u00e9na pro star\u0161\u00ed osoby, mlad\u00e9 p\u00e1ry s kr\u00e1tkou pracovn\u00ed histori\u00ed nebo cizince, kte\u0159\u00ed by mohli m\u00edt s klasickou hypot\u00e9kou probl\u00e9m.<\/p>\n<h4 data-start=\"1597\" data-end=\"1630\">Jak uhradit vstupn\u00ed vklad?<\/h4>\n<p data-start=\"1631\" data-end=\"1809\">Nejv\u011bt\u0161\u00ed v\u00fdzvou je slo\u017een\u00ed 20\u201330 % kupn\u00ed ceny. Nap\u0159\u00edklad u t\u0159\u00edpokojov\u00e9ho bytu v Praze (9 milion\u016f K\u010d) to znamen\u00e1 m\u00edt k dispozici 1,8\u20133 miliony K\u010d. Mo\u017enosti financov\u00e1n\u00ed zahrnuj\u00ed:<\/p>\n<ul data-start=\"1810\" data-end=\"1907\">\n<li data-start=\"1810\" data-end=\"1841\">\u00dav\u011br od stavebn\u00ed spo\u0159itelny<\/li>\n<li data-start=\"1842\" data-end=\"1865\">Spot\u0159ebitelsk\u00fd \u00fav\u011br<\/li>\n<li data-start=\"1866\" data-end=\"1907\">Hypot\u00e9ku se z\u00e1stavou jin\u00e9 nemovitosti<\/li>\n<\/ul>\n<p data-start=\"1909\" data-end=\"2158\">Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee b\u011bhem v\u00fdstavby budete spl\u00e1cet \u00fav\u011br na vklad, p\u0159i\u010dem\u017e samotn\u00fd byt budete moci u\u017e\u00edvat a\u017e po dokon\u010den\u00ed projektu. K tomu se po nast\u011bhov\u00e1n\u00ed p\u0159idaj\u00ed pravideln\u00e9 spl\u00e1tky dru\u017estvu, co\u017e m\u016f\u017ee znamenat vy\u0161\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed finan\u010dn\u00ed z\u00e1t\u011b\u017e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dru\u017estevn\u00ed bydlen\u00ed: Jak ho financovat? Dru\u017estevn\u00ed bydlen\u00ed m\u00e1 v \u010cesku dlouhou tradici a v posledn\u00edch letech se znovu rozm\u00e1h\u00e1, zejm\u00e9na d\u00edky developer\u016fm. Jeho po\u0159\u00edzen\u00ed v\u0161ak [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[116,120,117,119,122,118,121],"class_list":["post-197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-druzstevni-bydleni","tag-druzstevni-byty-od-developeru","tag-moznosti-financovani","tag-predhypotecni-uver","tag-srovnani-nabidek-bank","tag-uvery-na-druzstevni-byty","tag-vstupni-clensky-vklad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dru\u017estevn\u00ed byt a hypot\u00e9ka nejdou v\u017edy ruku v ruce. 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