{"id":2172,"date":"2018-07-10T00:00:21","date_gmt":"2018-07-09T22:00:21","guid":{"rendered":"https:\/\/popelky.cz\/pokus_sablona\/?p=2172"},"modified":"2018-07-10T00:03:29","modified_gmt":"2018-07-09T22:03:29","slug":"co-byste-mela-vedet-pred-jeste-pred-koupi-bytu-ci-rodinneho-domu","status":"publish","type":"post","link":"https:\/\/popelky.cz\/verze7-0\/dum-a-byt\/co-byste-mela-vedet-pred-jeste-pred-koupi-bytu-ci-rodinneho-domu.html","title":{"rendered":"Co byste m\u011bla v\u011bd\u011bt p\u0159ed je\u0161t\u011b p\u0159ed koup\u00ed bytu \u010di rodinn\u00e9ho domu?"},"content":{"rendered":"

Views: 159<\/p>

\n

V posledn\u00edch n\u011bkolika letech v\u00fdrazn\u011b vzrostla popt\u00e1vka po hypote\u010dn\u00edch \u00fav\u011brech, proto\u017ee \u00farokov\u00e9 sazby jsou pom\u011brn\u011b n\u00edzk\u00e9. S investic\u00ed do nemovitosti v\u0161ak souvis\u00ed spousta starost\u00ed a povinnost\u00ed, o kter\u00fdch se a\u017e tak nemluv\u00ed, a proto bychom v\u00e1m cht\u011bli poodhalit, na co v\u0161echno byste se m\u011bla p\u0159ipravit, pokud se pust\u00edte do koup\u011b rodinn\u00e9ho domu anebo bytu.<\/p>\n<\/div>\n

<\/p>\n

\n

\"26596Y2J.jpg\"<\/p>\n

 <\/p>\n

Podle z\u00e1kona tuzemsk\u00e9 banky nesm\u00ed poskytovat stoprocentn\u00ed hypot\u00e9ky, a proto byste m\u011bla m\u00edt naspo\u0159eno, ne\u017e v\u016fbec za\u010dnete hledat n\u011bjakou nemovitost.<\/p>\n

V\u011bt\u0161inou bankovn\u00ed domy k financov\u00e1n\u00ed bydlen\u00ed<\/a><\/strong> poskytuj\u00ed maxim\u00e1ln\u011b 80 % z tr\u017en\u00ed ceny vybran\u00e9ho obydl\u00ed. Kdy\u017e tedy byt stoj\u00ed 3 000 000 korun, mus\u00edte m\u00edt 600 000 korun vlastn\u00edch prost\u0159edk\u016f.<\/p>\n

Jestli\u017ee nem\u00e1te takovou \u010d\u00e1stku na\u0161et\u0159enou, pak nepo\u010d\u00edtejte s t\u00edm, \u017ee by v\u00e1m n\u011bkter\u00e1 z bank poskytla hypote\u010dn\u00ed \u00fav\u011br. Hypote\u010dn\u00ed kalkula\u010dka<\/a><\/strong> v\u00e1m prozrad\u00ed, jakou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku budete platit a jakou \u00farokovou sazbu m\u016f\u017eete z\u00edskat.<\/p>\n

Jak je to s dan\u00ed z nabyt\u00ed nemovitosti?<\/h2>\n

Dal\u0161\u00edm n\u00e1kladem, se kter\u00fdm mus\u00edte po\u010d\u00edtat, je da\u0148 z nabyt\u00ed nemovitosti. D\u0159\u00edv ji platil prod\u00e1vaj\u00edc\u00ed, nicm\u00e9n\u011b pravidla se zm\u011bnila a od lo\u0148sk\u00e9ho roku ji plat\u00ed kupuj\u00edc\u00ed. Pokud se chcete vyhnout t\u00e9to polo\u017ece, hledejte si novostavbu, proto\u017ee ty jsou po dobu p\u011bti let od chv\u00edle, kdy lze stavbu vyu\u017e\u00edvat, od dan\u011b osvobozeny. Stejn\u011b tak da\u0148 nemus\u00edte platit, pokud si p\u0159ev\u00e1d\u00edte do osobn\u00edho vlastnictv\u00ed majetek dru\u017estva.<\/p>\n

Sazba dan\u011b z nabyt\u00ed nemovitosti \u010din\u00ed 4 % ze z\u00e1kladu dan\u011b, p\u0159i\u010dem\u017e z\u00e1klad dan\u011b je cena nemovitosti. Kdy\u017e vezmeme op\u011bt cenu 3 000 000 korun, tak da\u0148 v takov\u00e9m p\u0159\u00edpad\u011b \u010din\u00ed 120 000 korun. Da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed je nezbytn\u00e9 podat do t\u0159ech kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u016f n\u00e1sleduj\u00edc\u00edch po m\u011bs\u00edci, v n\u011bm\u017e byl proveden vklad pr\u00e1va do katastru nemovitost\u00ed.<\/p>\n

Obra\u0165te se na finan\u010dn\u00edho poradce<\/h2>\n

Jestli\u017ee nem\u00e1te ve finan\u010dn\u00edm sektoru v\u016fbec \u017e\u00e1dn\u00e9 zku\u0161enosti, doporu\u010dujeme obr\u00e1tit se na finan\u010dn\u00edho poradce.<\/p>\n

 <\/p>\n

\"26595MGY.jpg\"<\/p>\n

 <\/p>\n

Pr\u00e1v\u011b finan\u010dn\u00ed poradce<\/a> v\u00e1m pom\u016f\u017ee se z\u0159\u00edzen\u00edm hypot\u00e9ky a dal\u0161\u00edch n\u00e1le\u017eitost\u00ed pot\u0159ebn\u00fdch k z\u00edsk\u00e1n\u00ed rodinn\u00e9ho domu \u010di bytu.<\/strong><\/p>\n

 <\/p>\n

Zpracovala: Placla<\/em><\/p>\n

[sexy_author_bio]<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Views: 159 V posledn\u00edch n\u011bkolika letech v\u00fdrazn\u011b vzrostla popt\u00e1vka po hypote\u010dn\u00edch \u00fav\u011brech, proto\u017ee \u00farokov\u00e9 sazby jsou pom\u011brn\u011b n\u00edzk\u00e9. S investic\u00ed do nemovitosti v\u0161ak souvis\u00ed spousta starost\u00ed a povinnost\u00ed, o kter\u00fdch se a\u017e tak nemluv\u00ed, a proto bychom v\u00e1m cht\u011bli poodhalit, na co v\u0161echno byste se m\u011bla p\u0159ipravit, pokud se pust\u00edte do koup\u011b rodinn\u00e9ho domu anebo […]<\/p>\n","protected":false},"author":5,"featured_media":2173,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,23],"tags":[],"class_list":["post-2172","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-komerce","category-dum-a-byt"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t