[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.golija.cz\/kam-nas-dovedou-vyjimky\/#Article","mainEntityOfPage":"https:\/\/www.golija.cz\/kam-nas-dovedou-vyjimky\/","headline":"Kam n\u00e1s dovedou v\u00fdjimky?","name":"Kam n\u00e1s dovedou v\u00fdjimky?","description":"Je\u0161t\u011b vcelku ned\u00e1vno to bylo s\u00a0p\u016fj\u010dov\u00e1n\u00edm si pen\u011bz na bydlen\u00ed vcelku snadn\u00e9. \u010clov\u011bk si tu mohl vz\u00edt hypot\u00e9ku na sto […]","datePublished":"2019-09-06","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.golija.cz\/author\/#Person","name":"","url":"https:\/\/www.golija.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"golija.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.golija.cz\/wp-content\/uploads\/img_a347229_w2962_t1561457602.png","url":"https:\/\/www.golija.cz\/wp-content\/uploads\/img_a347229_w2962_t1561457602.png","height":0,"width":0},"url":"https:\/\/www.golija.cz\/kam-nas-dovedou-vyjimky\/","wordCount":600,"articleBody":"Je\u0161t\u011b vcelku ned\u00e1vno to bylo s\u00a0p\u016fj\u010dov\u00e1n\u00edm si pen\u011bz na bydlen\u00ed vcelku snadn\u00e9. \u010clov\u011bk si tu mohl vz\u00edt hypot\u00e9ku na sto procent hodnoty nemovitosti, ji\u017e si po\u0159izoval, tedy mohl ji zaplatit klidn\u011b i jen p\u016fj\u010den\u00fdmi pen\u011bzi, ani\u017e by do n\u00ed investoval by\u0165 i jen jedinou vlastn\u00ed korunu. A n\u011bkdy bylo mo\u017eno takovou hypot\u00e9ku z\u00edskat i bez nutnosti prok\u00e1zat sv\u00e9 p\u0159\u00edjmy a dolo\u017eit, \u017ee tyto budou na spl\u00e1cen\u00ed dluhu sta\u010dit.\tPak se tyto vymo\u017eenosti zru\u0161ily, \u00faroky po\u010daly r\u016fst a centr\u00e1ln\u00ed banka po\u010dala poskytov\u00e1n\u00ed hypot\u00e9k regulovat. Od \u0159\u00edjna lo\u0148sk\u00e9ho roku u\u017e nesm\u00ed m\u00edt \u017e\u00e1dn\u00fd \u017eadatel v\u0161echny sv\u00e9 \u00fav\u011bry vy\u0161\u0161\u00ed ne\u017e dev\u00edtin\u00e1sobek jeho \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu, spl\u00e1tky v\u0161ech \u00fav\u011br\u016f nesm\u00ed u nikoho p\u0159ekro\u010dit p\u011bta\u010dty\u0159icet procent jeho \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu, a nez\u00e1vazn\u011b, ale re\u00e1ln\u011b omezen\u00e9 jsou i hypot\u00e9ky pokr\u00fdvaj\u00edc\u00ed v\u00edce ne\u017e osmdes\u00e1t procent hodnoty za n\u011b po\u0159izovan\u00e9 nemovitosti, jich\u017e m\u016f\u017ee ka\u017ed\u00e1 banka poskytnout jen omezen\u00e9 mno\u017estv\u00ed.\tBylo to vlastn\u011b logick\u00e9 rozhodnut\u00ed. Kdy\u017e lid\u00e9 do po\u0159\u00edzen\u00ed si vlastn\u00ed nemovitosti nevkl\u00e1dali v\u016fbec \u017e\u00e1dn\u00e9 vlastn\u00ed prost\u0159edky, ne\u010dinilo jim v\u00a0podstat\u011b probl\u00e9my v\u00a0p\u0159\u00edpad\u011b t\u011b\u017ekost\u00ed p\u0159estat spl\u00e1cet, proto\u017ee i kdyby jim banka onu nemovitost sebrala, vzala by jim jenom v\u00a0tomto utopen\u00e9 p\u016fj\u010den\u00e9 pen\u00edze, nikoliv to, co do toho investovali sami. A byla to vlastn\u011b i \u00faleva pro banky, proto\u017ee \u010d\u00edm v\u011bt\u0161\u00ed pod\u00edl t\u00e9 kter\u00e9 nemovitosti zaplatila hypot\u00e9ka od banky, t\u00edm men\u0161\u00ed byla nad\u011bje, \u017ee p\u0159\u00edpadn\u00fd prodej zabaven\u00e9 nesplacen\u00e9 nemovitosti vynese finan\u010dn\u00ed instituci dost na pokryt\u00ed jej\u00ed v\u00a0souvislosti s\u00a0nespl\u00e1cen\u00edm vznikl\u00e9 ztr\u00e1ty.\tJen\u017ee se tak jaksi uk\u00e1zalo, \u017ee kdy\u017e si nelze p\u016fj\u010dit sto procent financ\u00ed nezbytn\u00fdch na koupi t\u00e9 kter\u00e9 nemovitosti, jsou tu i lid\u00e9, kte\u0159\u00ed na to nemaj\u00ed. T\u0159eba i proto, \u017ee v\u00a0nemovitostech do\u0161lo k\u00a0radik\u00e1ln\u00edmu r\u016fstu cen.\tA tak u\u017e se vym\u00fd\u0161l\u00ed v\u00fdjimka. Podle ministerstva financ\u00ed by zkr\u00e1tka m\u011bli b\u00fdt zv\u00fdhodn\u011bni mlad\u00ed lid\u00e9 do \u0161estat\u0159iceti let v\u011bku. Ti by m\u011bli m\u00edt mo\u017enost z\u00edskat nemovitosti v\u00fdhodn\u011bji, m\u011bla by pro n\u011b existovat v\u00fdhodn\u011bj\u0161\u00ed pravidla \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Aby dostali hypot\u00e9ku sn\u00e1ze a v\u00fdhodn\u011bji ne\u017e star\u0161\u00ed \u017eadatel\u00e9.\t\u017de pr\u00fd mlad\u00ed lid\u00e9 maj\u00ed ni\u017e\u0161\u00ed \u00faspory a relativn\u011b ni\u017e\u0161\u00ed p\u0159\u00edjmy, a proto by se pro n\u011b m\u011bly zm\u00edrnit limity. A proto m\u00e1 vl\u00e1da v\u00a0\u010dervnu projedn\u00e1vat to, \u017ee by se pro lidi do \u0161estat\u0159iceti let v\u011bku zv\u00fd\u0161ila hranice u hypot\u00e9k o deset procent a maxim\u00e1ln\u00ed zadlu\u017een\u00ed na desetin\u00e1sobek \u010dist\u00e9ho ro\u010dn\u00edho p\u0159\u00edjmu. Aby byly takov\u00e9 \u00fav\u011bry pro mlad\u00e9 dostupn\u011bj\u0161\u00ed.\tCo\u017e je \u2013 ani\u017e si to leckdo uv\u011bdomuje \u2013 nakro\u010den\u00ed na cestu vedouc\u00ed do pekel. Proto\u017ee pak se p\u0159ijde na to, \u017ee je to diskriminace na z\u00e1klad\u011b v\u011bku, \u017ee hluboko do kapsy maj\u00ed i senio\u0159i, lid\u00e9 s\u00a0n\u00edzk\u00fdmi p\u0159\u00edjmy, samo\u017eivitelky, nekvalifikovan\u00ed zam\u011bstnanci,\u2026\tA ti by p\u0159ece tak\u00e9 pot\u0159ebovali v\u00fdjimky, ne? Aby dos\u00e1hli t\u0159eba na bydlen\u00ed.\tA zaplat\u00ed to kdo? H\u00e1dejte!                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kam n\u00e1s dovedou v\u00fdjimky?","item":"https:\/\/www.golija.cz\/kam-nas-dovedou-vyjimky\/#breadcrumbitem"}]}]