[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.calvera.cz\/jak-si-poradit-s-koupi-druzstevniho-bytu\/#Article","mainEntityOfPage":"https:\/\/www.calvera.cz\/jak-si-poradit-s-koupi-druzstevniho-bytu\/","headline":"Jak si poradit s koup\u00ed dru\u017estevn\u00edho bytu?","name":"Jak si poradit s koup\u00ed dru\u017estevn\u00edho bytu?","description":"Dru\u017estevn\u00ed byty se st\u00e1le t\u011b\u0161\u00ed velk\u00e9 oblib\u011b, a to zejm\u00e9na d\u00edky jejich ni\u017e\u0161\u00ed kupn\u00ed cen\u011b. Z\u00e1rove\u0148 se jedn\u00e1 o.","datePublished":"2019-09-26","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.calvera.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.calvera.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"calvera.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.calvera.cz\/wp-content\/uploads\/img_a363981_w1896_t1576695719.jpg","url":"https:\/\/www.calvera.cz\/wp-content\/uploads\/img_a363981_w1896_t1576695719.jpg","height":0,"width":0},"url":"https:\/\/www.calvera.cz\/jak-si-poradit-s-koupi-druzstevniho-bytu\/","about":["Online"],"wordCount":434,"articleBody":"         Dru\u017estevn\u00ed byty se st\u00e1le t\u011b\u0161\u00ed velk\u00e9 oblib\u011b, a to zejm\u00e9na d\u00edky jejich ni\u017e\u0161\u00ed kupn\u00ed cen\u011b. Z\u00e1rove\u0148 se jedn\u00e1 o nemovitosti, kter\u00e9 nen\u00ed v\u016fbec slo\u017eit\u00e9 p\u0159ev\u00e9st do osobn\u00edho vlastnictv\u00ed. V posledn\u00edch letech \u010dasto proch\u00e1zej\u00ed rekonstrukc\u00ed ji\u017e p\u0159ed prodejem, tak\u017ee je m\u016f\u017eete mnohdy sehnat v dobr\u00e9m stavu a za velmi v\u00fdhodnou cenu. Jak ho m\u016f\u017eete zafinancovat? Variantami jsou t\u0159i typy hypot\u00e9k:  klasick\u00e1, p\u0159edhypote\u010dn\u00ed \u00fav\u011br, bez z\u00e1stavy.  Tradi\u010dn\u00ed p\u0159\u00edstup Hypot\u00e9ka na dru\u017estevn\u00ed byt http:\/\/www.americka-nebankovni-hypoteka.cz\/nebankovni_hypoteky\/ nen\u00ed v\u017edy tou nejlep\u0161\u00ed mo\u017enost\u00ed. V\u011bt\u0161ina bank nen\u00ed schopn\u00e1 p\u0159ipravit smlouvu tak, aby spl\u0148ovala firemn\u00ed metodiku. Dal\u0161\u00ed pot\u00ed\u017e\u00ed b\u00fdv\u00e1, \u017ee p\u0159edseda nen\u00ed ochotn\u00fd podepsat z\u00e1stavn\u00ed smlouvu ve prosp\u011bch bankovn\u00ed instituce. Jen\u017ee pr\u00e1v\u011b z\u00e1stava je z\u00e1kladn\u00edm kamenem tohoto typu. Nej\u010dast\u011bj\u0161\u00ed varianta P\u0159edhypote\u010dn\u00ed \u00fav\u011br se v p\u0159\u00edpad\u011b dru\u017estevn\u00edch byt\u016f vyu\u017e\u00edv\u00e1 nej\u010dast\u011bji. Jde o skv\u011blou mo\u017enost v p\u0159\u00edpad\u011b, \u017ee p\u0159edseda nab\u00eddne nemovitost ke koupi, ale z\u00e1rove\u0148 nechce podepsat z\u00e1stavn\u00ed pr\u00e1vo. Zde se jedn\u00e1 o tzv. do\u010dasn\u011b nezaji\u0161t\u011bn\u00fd \u00fav\u011br. Stejn\u011b tak se pou\u017e\u00edv\u00e1 i u prodeje obecn\u00edch byt\u016f. Mezi podm\u00ednky tohoto typu pat\u0159\u00ed fakt, \u017ee si mus\u00edte objekt p\u0159ev\u00e9st do osobn\u00edch vlastnictv\u00ed do jednoho roku. Mus\u00edte b\u00fdt zapsan\u00ed v katastru a z\u00edskat m\u016f\u017eete mezi 75 a 90 procenty z odhadu podle konkr\u00e9tn\u00ed banky. Po\u010d\u00edtat byste m\u011bli tak\u00e9 s t\u00edm, \u017ee je trochu dra\u017e\u0161\u00ed ne\u017e klasika. To je d\u00e1no absenc\u00ed z\u00e1stavy.  Posledn\u00ed mo\u017enost Bez z\u00e1stavy m\u00e1te mo\u017enost si p\u016fj\u010dit a\u017e 2,5 milionu korun. Spl\u00e1cet ho m\u016f\u017eete maxim\u00e1ln\u011b 18 let a v\u00fdhodou je, \u017ee nemus\u00edte m\u00edt nic co byste nab\u00eddli jako z\u00e1ruku pro p\u0159\u00edpad, \u017ee byste nemohli spl\u00e1cet. Spole\u010dnost t\u00edm dost riskuje, \u017ee pen\u00edze nedostane zp\u011bt. Z toho d\u016fvodu je \u00farokov\u00e1 sazba o n\u011bco vy\u0161\u0161\u00ed ne\u017e obvykle, ale v\u011bt\u0161inou se nejedn\u00e1 o \u017e\u00e1dnou obrovskou sumu nav\u00edc. Na\u0161li jste dokonal\u00fd dru\u017estevn\u00ed nebo obecn\u00ed bydlen\u00ed? Nev\u00e1hejte se informovat, o kolik pen\u011bz si m\u016f\u017eete za\u017e\u00e1dat v z\u00e1vislosti na v\u0161em p\u0159\u00edjmu. Jsou ov\u0161em i instituce, kter\u00e9 p\u0159\u00edjem v\u016fbec zaj\u00edmat nebude a budete u nich m\u00edt mnohem vy\u0161\u0161\u00ed \u0161anci schv\u00e1len\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si poradit s koup\u00ed dru\u017estevn\u00edho bytu?","item":"https:\/\/www.calvera.cz\/jak-si-poradit-s-koupi-druzstevniho-bytu\/#breadcrumbitem"}]}]