[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ateneo.cz\/vlastni-bydleni-je-to-zacarovany-kruh\/#Article","mainEntityOfPage":"https:\/\/www.ateneo.cz\/vlastni-bydleni-je-to-zacarovany-kruh\/","headline":"Vlastn\u00ed bydlen\u00ed? Je to za\u010darovan\u00fd kruh.","name":"Vlastn\u00ed bydlen\u00ed? Je to za\u010darovan\u00fd kruh.","description":"Rok od roka je t\u011b\u017e\u0161\u00ed si obstarat bydlen\u00ed, d\u0159\u00edve bylo bydlen\u00ed samoz\u0159ejmost\u00ed, ka\u017ed\u00fd kdo pracoval, z\u00edskal automaticky od st\u00e1tu p\u0159i\u0159azen\u00fd byt a t\u00edm p\u00e1dem m\u011bl bydlen\u00ed jist\u00e9. Jak si maj\u00ed dnes mlad\u00ed na\u0161et\u0159it n\u011bjak\u00e9 pen\u00edze pro svou budoucnost nap\u0159. p\u0159i ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed, p\u0159\u00edchod potomka nebo jen proto, aby v\u016fbec dostali hypot\u00e9ku na byt \u010di d\u016fm.","datePublished":"2019-12-22","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.ateneo.cz\/author\/#Person","name":"","url":"https:\/\/www.ateneo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ateneo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ateneo.cz\/wp-content\/uploads\/img_a362662_w4383_t1575737115.jpg","url":"https:\/\/www.ateneo.cz\/wp-content\/uploads\/img_a362662_w4383_t1575737115.jpg","height":0,"width":0},"url":"https:\/\/www.ateneo.cz\/vlastni-bydleni-je-to-zacarovany-kruh\/","about":["Finance"],"wordCount":453,"articleBody":"Rok od roka je t\u011b\u017e\u0161\u00ed si obstarat bydlen\u00ed, d\u0159\u00edve bylo bydlen\u00ed samoz\u0159ejmost\u00ed, ka\u017ed\u00fd kdo pracoval, z\u00edskal automaticky od st\u00e1tu p\u0159i\u0159azen\u00fd byt a t\u00edm p\u00e1dem m\u011bl bydlen\u00ed jist\u00e9. Jak si maj\u00ed dnes mlad\u00ed na\u0161et\u0159it n\u011bjak\u00e9 pen\u00edze pro svou budoucnost nap\u0159. p\u0159i ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed, p\u0159\u00edchod potomka nebo jen proto, aby v\u016fbec dostali hypot\u00e9ku na byt \u010di d\u016fm. Musej\u00ed si sv\u00e9 za\u010d\u00e1tky v dosp\u011bl\u00e9m \u017eivot\u011b t\u011b\u017ece vybojovat, proto\u017ee, aby mohli zah\u00e1jit plnohodnotn\u00fd \u017eivot, musej\u00ed j\u00edt do podn\u00e1jmu, kde budou platit p\u0159edra\u017een\u00e9 n\u00e1jmy a z v\u00fdplaty jim z\u016fstane jen minim\u00e1ln\u00ed \u010d\u00e1stka na j\u00eddlo, kde maj\u00ed finance na oble\u010den\u00ed, vybaven\u00ed do bytu, v\u00fdlety, osobn\u00ed pot\u0159eby?Nap\u0159. pr\u016fm\u011brn\u00fd podn\u00e1jem v byt\u011b v Karlovarsk\u00e9m kraji o velikosti 2+1 stoj\u00ed zhruba 9000 korun. A pr\u016fm\u011brn\u00fd plat je cca 14 000 korun. Zaplat\u00ed n\u00e1jem, elekt\u0159inu, plyn, televizn\u00ed p\u0159ipojen\u00ed, internet, pau\u0161\u00e1l a zbyde jim kolem 3000 na potraviny, jist\u011b uzn\u00e1te, \u017ee to je uboh\u00e9 a t\u00e9m\u011b\u0159 nemo\u017en\u00e9. Proto jsou mlad\u00ed v\u011b\u010dn\u00fdmi studenty bydl\u00edc\u00ed u rodi\u010d\u016f, pokud maj\u00ed \u0161t\u011bst\u00ed a najdou si v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9ho partnera, pak se teprve mohou spole\u010dn\u011b p\u0159est\u011bhovat do spole\u010dn\u00e9ho podn\u00e1jmu, proto\u017ee v tu chv\u00edli je teprve mo\u017en\u00e9 zvl\u00e1dnout ve\u0161ker\u00e9 poplatky. Pokud se po n\u011bjak\u00e9 dob\u011b partne\u0159i rozhodnou odkoupit byt, v\u011bt\u0161inou koupi \u0159e\u0161\u00ed hypot\u00e9kou, pokud tedy maj\u00ed dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem pro jej\u00ed z\u00edsk\u00e1n\u00ed, to bohu\u017eel nen\u00ed jedin\u00fd z\u00e1drhel, pro z\u00edsk\u00e1n\u00ed mus\u00edte m\u00edt alespo\u0148 2O% vlastn\u00edch zdroj\u016f z celkov\u00e9 \u010d\u00e1stky, kterou si chcete vyp\u016fj\u010dit. Op\u011bt budu ud\u00e1vat byt v Karlovarsk\u00e9m kraji, proto\u017ee zde bydl\u00edm.Pr\u016fm\u011brn\u00fd byt zde stoj\u00ed 800 000 korun, banka \u017e\u00e1d\u00e1 20%, to \u010din\u00ed 160 000 korun, kde maj\u00ed mlad\u00ed lid\u00e9 v za\u010d\u00e1tc\u00edch sehnat 160 000 korun? Bohu\u017eel musej\u00ed si je op\u011bt vyp\u016fj\u010dit. Tud\u00ed\u017e maj\u00ed hypot\u00e9ku a dal\u0161\u00ed \u00fav\u011br. Jist\u011b si dovedete p\u0159edstavit, kolik je to poplatk\u016f. Tak\u017ee, abych to shrnula, bu\u010f \u010dlov\u011bk nem\u00e1 v\u016fbec finance, na to aby mohl \u017e\u00edt s\u00e1m nebo je z\u00e1visl\u00fd na partnerovi nebo se musej\u00ed zadlu\u017eit na cel\u00fd \u017eivot, aby mohli \u017e\u00edt ve sv\u00e9m byt\u011b. Je to celkem nespravedliv\u00e9, kdy\u017e uv\u00e1\u017e\u00edte, kolik odv\u00e1d\u00edte st\u00e1tu pen\u011bz a on v\u00e1m ty za\u010d\u00e1tky v\u016fbec nezjednodu\u0161uje.                                                                                                                                                                                                                                                                                                                                                                                         4.1\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vlastn\u00ed bydlen\u00ed? Je to za\u010darovan\u00fd kruh.","item":"https:\/\/www.ateneo.cz\/vlastni-bydleni-je-to-zacarovany-kruh\/#breadcrumbitem"}]}]