[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lmat.cz\/cesta-za-snem\/#Article","mainEntityOfPage":"https:\/\/www.lmat.cz\/cesta-za-snem\/","headline":"Cesta za snem","name":"Cesta za snem","description":"M\u016f\u017eeme si zvolit n\u011bjak\u00fd p\u0159\u00edklad. T\u0159eba mlad\u00e9 man\u017eelstv\u00ed, kte\u0159\u00ed bydl\u00ed u rodi\u010d\u016f. Ned\u011blaj\u00ed si vysloven\u011b naschv\u00e1ly, ale sou\u017eit\u00ed star\u00fdch a mlad\u00fdch ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f neb\u00fdv\u00e1 zrovna ide\u00e1ln\u00ed. Nemus\u00ed si zrovna n\u011bjak\u00fdm zp\u016fsobem ubli\u017eovat, ale o nervy to n\u011bkdy b\u00fdv\u00e1. Spousta lid\u00ed si to vyzkou\u0161elo a jist\u011b mi daj\u00ed za pravdu. Nu, ale k v\u011bci. Tento […]","datePublished":"2023-10-23","dateModified":"2023-12-01","author":{"@type":"Person","@id":"https:\/\/www.lmat.cz\/author\/#Person","name":"","url":"https:\/\/www.lmat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lmat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lmat.cz\/wp-content\/uploads\/income-tax-4097292_640_4.jpg","url":"https:\/\/www.lmat.cz\/wp-content\/uploads\/income-tax-4097292_640_4.jpg","height":0,"width":0},"url":"https:\/\/www.lmat.cz\/cesta-za-snem\/","about":["Pen\u00edze"],"wordCount":405,"articleBody":"   M\u016f\u017eeme si zvolit n\u011bjak\u00fd p\u0159\u00edklad. T\u0159eba mlad\u00e9 man\u017eelstv\u00ed, kte\u0159\u00ed bydl\u00ed u rodi\u010d\u016f. Ned\u011blaj\u00ed si vysloven\u011b naschv\u00e1ly, ale sou\u017eit\u00ed star\u00fdch a mlad\u00fdch ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f neb\u00fdv\u00e1 zrovna ide\u00e1ln\u00ed. Nemus\u00ed si zrovna n\u011bjak\u00fdm zp\u016fsobem ubli\u017eovat, ale o nervy to n\u011bkdy b\u00fdv\u00e1. Spousta lid\u00ed si to vyzkou\u0161elo a jist\u011b mi daj\u00ed za pravdu. Nu, ale k v\u011bci. Tento p\u00e1r by r\u00e1d vlastn\u00ed bydlen\u00ed. Nemus\u00ed to b\u00fdt zrovna z\u00e1mek ve Francii, ale sta\u010dil by oby\u010dejn\u00fd byt, t\u0159eba i men\u0161\u00ed. Jen\u017ee i ten je pro n\u011b cenov\u011b nedostupn\u00fd. I kdy\u017e zat\u00edm pracuj\u00ed oba, p\u0159esto nemaj\u00ed tolik, aby si to mohli dovolit.Tak\u017ee hledaj\u00ed \u0159e\u0161en\u00ed a za\u010dnou p\u0159em\u00fd\u0161let nad t\u00edm, \u017ee si na bydlen\u00ed vyp\u016fj\u010d\u00ed. Ale ne od rodi\u010d\u016f \u010di rodiny v\u016fbec. Prost\u011b si vezmou hypot\u00e9ku. V okam\u017eiku tohoto rozhodnut\u00ed pak za\u010d\u00edn\u00e1 jejich nov\u00e1 \u017eivotn\u00e9 etapa. Je jim jasn\u00e9, \u017ee takov\u00fdch hypot\u00e9k je v\u00edce druh\u016f a bude t\u0159eba hledat takovou, kter\u00e1 by m\u011bla ty nejlep\u0161\u00ed podm\u00ednky. Jen\u017ee ono to nen\u00ed tak jednoduch\u00e9 s v tom orientovat. A nav\u00edc jsou spole\u010dnosti a banky, kter\u00e9 po\u017eaduj\u00ed na za\u010d\u00e1tek ur\u010ditou sumu, v\u011bt\u0161inou od deset do t\u0159iceti procent, kterou stoj\u00ed vysn\u011bn\u00e9 bydlen\u00ed. A vych\u00e1z\u00ed se z odhadn\u00ed ceny, ne tedy z ceny tr\u017en\u00ed. A pro\u010d ten z\u00e1klad?Na to je jednoduch\u00e9 vysv\u011btlen\u00ed. P\u0159ed n\u011bjak\u00fdm \u010dasem toti\u017e \u010cesk\u00e1 n\u00e1rodn\u00ed banka zak\u00e1zala poskytov\u00e1n\u00ed hypot\u00e9k klient\u016fm, kte\u0159\u00ed nemaj\u00ed nic na\u0161et\u0159eno a jsou tedy dokonale bez \u00faspor. Netu\u0161\u00edm, koho toto \u201evelemoudr\u00e9\u201c rozhodnut\u00ed napadlo, ale je t\u0159eba jej respektovat. Mlad\u00ed prost\u011b mus\u00ed m\u00edt n\u011bjakou tu vindru na\u0161et\u0159enou. Pokud maj\u00ed, je vlastn\u011b jejich cesta k \u00fasp\u011bchu otev\u0159ena. Pokud \u010dtou tento \u010dl\u00e1nek, posta\u010d\u00ed jim klik na n\u00e1sleduj\u00edc\u00ed odkaz. Budou p\u0159esunuti tam, kde se \u0159e\u0161\u00ed nebankovn\u00ed hypot\u00e9ka zcela b\u011b\u017en\u011b. A podm\u00ednky jsou zde hodn\u011b zaj\u00edmav\u00e9 a dalo by se klidn\u011b napsat, \u017ee asi ty nejv\u00fdhodn\u011bj\u0161\u00ed. A pozor, \u00farok je zde stejn\u00fd po celou dobu spl\u00e1cen\u00ed. Tak\u017ee je jistota, \u017ee nebudou \u017eadatel\u00e9 platit v\u00edce, ne\u017e bylo smluveno.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Cesta za snem","item":"https:\/\/www.lmat.cz\/cesta-za-snem\/#breadcrumbitem"}]}]