[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kotech.cz\/proc-si-banky-mysli-ze-je-treba-omezit-stoprocentni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.kotech.cz\/proc-si-banky-mysli-ze-je-treba-omezit-stoprocentni-hypoteky\/","headline":"Pro\u010d si banky mysl\u00ed, \u017ee je t\u0159eba omezit stoprocentn\u00ed hypot\u00e9ky","name":"Pro\u010d si banky mysl\u00ed, \u017ee je t\u0159eba omezit stoprocentn\u00ed hypot\u00e9ky","description":"N\u011bkter\u00e9 p\u016fj\u010dky jsou zkr\u00e1tka p\u0159\u00edli\u0161 dobr\u00e9 na to, aby jim lid\u00e9 odolali. Jen si vezm\u011bte, kolik lid\u00ed by s\u00e1hlo po p\u0159\u00edle\u017eitosti koupit si nemovitost, kterou by mohli pronaj\u00edmat, pokud by jim n\u011bkdo dal sto procent v\u0161ech finan\u010dn\u00edch prost\u0159edk\u016f nutn\u00fdch pro jej\u00ed koupi. Nebo je\u0161t\u011b l\u00e9pe, pokud by v\u00e1m n\u011bkdo nab\u00eddl,","datePublished":"2020-02-15","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.kotech.cz\/author\/#Person","name":"","url":"https:\/\/www.kotech.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kotech.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kotech.cz\/wp-content\/uploads\/img_a380036_w2975_t1591685518.jpg","url":"https:\/\/www.kotech.cz\/wp-content\/uploads\/img_a380036_w2975_t1591685518.jpg","height":0,"width":0},"url":"https:\/\/www.kotech.cz\/proc-si-banky-mysli-ze-je-treba-omezit-stoprocentni-hypoteky\/","about":["Finance"],"wordCount":401,"articleBody":"         N\u011bkter\u00e9 p\u016fj\u010dky jsou zkr\u00e1tka p\u0159\u00edli\u0161 dobr\u00e9 na to, aby jim lid\u00e9 odolali. Jen si vezm\u011bte, kolik lid\u00ed by s\u00e1hlo po p\u0159\u00edle\u017eitosti koupit si nemovitost, kterou by mohli pronaj\u00edmat, pokud by jim n\u011bkdo dal sto procent v\u0161ech finan\u010dn\u00edch prost\u0159edk\u016f nutn\u00fdch pro jej\u00ed koupi. Nebo je\u0161t\u011b l\u00e9pe, pokud by v\u00e1m n\u011bkdo nab\u00eddl, \u017ee zaplat\u00ed auto a vy mu za to budete d\u00e1vat nap\u0159\u00edklad jen n\u011bkolik tis\u00edc m\u011bs\u00ed\u010dn\u011b. M\u016f\u017eete tak, i kdy\u017e v \u017eivot\u011b nena\u0161et\u0159\u00edte ani jednu korunu, z\u00edskat majetek, na kter\u00fd byste jinak \u010dekali nekone\u010dn\u011b dlouho. A \u00fapln\u011b nejlep\u0161\u00ed je, \u017ee vlastn\u011b nemus\u00edte m\u00edt ani korunu z \u010d\u00e1stky, kterou zaplat\u00edte. Hlavn\u011b, co se t\u00fd\u010de investic, je 100% hypot\u00e9ka naprosto skv\u011bl\u00fdm n\u00e1strojem. Pro\u010d? Dejme tomu, \u017ee byste sice r\u00e1di investovali, ale nechcete riskovat va\u0161e vlastn\u00ed pen\u00edze. Nejlep\u0161\u00edm n\u00e1strojem je tak pro v\u00e1s hypot\u00e9ka, kter\u00e1 v\u00e1m dovol\u00ed okam\u017eit\u011b se \u201ezmocnit\u201c nemovitosti. Nemovitost pot\u00e9 m\u016f\u017eete rekonstruovat a pronaj\u00edmat. N\u00e1jem pak zaplat\u00ed v\u0161echny va\u0161e spl\u00e1tky a vy tak de facto z\u00edsk\u00e1te nemovitost za n\u011bkolik milion\u016f, \u00fapln\u011b zadarmo (proto\u017ee spl\u00e1tky pokryje n\u00e1jem), a k tomu v\u0161emu budete je\u0161t\u011b schopni splatit celou hypot\u00e9ku a m\u00edt tak super nemovitost. Dejme tomu, \u017ee hypot\u00e9ka je na n\u011bkolik let dop\u0159edu, t\u0159eba i deset let. Po\u010dk\u00e1te deset let, vydr\u017e\u00edte to a m\u00e1te vystar\u00e1no na cel\u00fd \u017eivot, proto\u017ee nemovitost, pokud v\u00e1m ji nezabav\u00ed st\u00e1t, m\u00e1te taky furt. Ur\u010dit\u011b v\u00e1m jednoho dne jen tak nezmiz\u00ed nebo se nerozplyne nebo nepokaz\u00ed (by\u0165 opravy budete muset hradit po\u0159\u00e1d). \u010cesk\u00e1 n\u00e1rodn\u00ed banka chce ale tyto hypot\u00e9ky omezit co mo\u017en\u00e1 nejv\u00edce, nel\u00edb\u00ed se j\u00ed toti\u017e, \u017ee by si p\u016fj\u010dovali lid\u00e9 na v\u011bci, na kter\u00e9 by v \u017eivot\u011b nedos\u00e1hli a v \u017eivot\u011b je nemohli splatit sami. Tyto p\u016fj\u010dky jsou toti\u017e jednou z p\u0159\u00ed\u010din americk\u00e9 finan\u010dn\u00ed krize v roce 2008, proto\u017ee najednou banky dostaly po dlu\u017en\u00edc\u00edch spoustu nemovitost\u00ed, o kter\u00e9 nikdo nem\u011bl z\u00e1jem a banky tak p\u0159i\u0161ly na buben.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d si banky mysl\u00ed, \u017ee je t\u0159eba omezit stoprocentn\u00ed hypot\u00e9ky","item":"https:\/\/www.kotech.cz\/proc-si-banky-mysli-ze-je-treba-omezit-stoprocentni-hypoteky\/#breadcrumbitem"}]}]