[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bofi.cz\/hypoteka-investovat-do-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.bofi.cz\/hypoteka-investovat-do-nemovitosti\/","headline":"Hypot\u00e9ka: Investovat do nemovitosti?","name":"Hypot\u00e9ka: Investovat do nemovitosti?","description":"Dokon\u010dili jste vysoko\u0161kolsk\u00e1 studia nebo naznali, \u017ee kone\u010dn\u011b nade\u0161el \u010das se poohl\u00e9dnout po vlastn\u00edm bydlen\u00ed. Dote\u010f jste bydleli s rodi\u010di nebo sd\u00edleli sv\u00e9 bydlen\u00ed s dal\u0161\u00edmi kamar\u00e1dy, spolu\u017e\u00e1ky v n\u011bjak\u00e9m podn\u00e1jmu. \u00a0 Pokud jste zrovna nezd\u011bdili pen\u00edze po d\u011bde\u010dkovi z p\u00e1t\u00e9ho kolene, nebo va\u0161i rodi\u010dov\u00e9 nejsou vysoce postaven\u00ed mana\u017ee\u0159i, politice, VIP hv\u011bzdy, pak v\u00e1m asi […]","datePublished":"2023-04-27","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.bofi.cz\/author\/#Person","name":"bofi.cz","url":"https:\/\/www.bofi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bofi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.bofi.cz\/hypoteka-investovat-do-nemovitosti\/","about":["Bydlen\u00ed"],"wordCount":435,"articleBody":"Dokon\u010dili jste vysoko\u0161kolsk\u00e1 studia nebo naznali, \u017ee kone\u010dn\u011b nade\u0161el \u010das se poohl\u00e9dnout po vlastn\u00edm bydlen\u00ed. Dote\u010f jste bydleli s rodi\u010di nebo sd\u00edleli sv\u00e9 bydlen\u00ed s dal\u0161\u00edmi kamar\u00e1dy, spolu\u017e\u00e1ky v n\u011bjak\u00e9m podn\u00e1jmu.\u00a0Pokud jste zrovna nezd\u011bdili pen\u00edze po d\u011bde\u010dkovi z p\u00e1t\u00e9ho kolene, nebo va\u0161i rodi\u010dov\u00e9 nejsou vysoce postaven\u00ed mana\u017ee\u0159i, politice, VIP hv\u011bzdy, pak v\u00e1m asi nezbude nic jin\u00e9ho, ne\u017e si bydlen\u00ed po\u0159\u00eddit na vlastn\u00ed n\u00e1klady. Nebo v\u00e1m rodi\u010dov\u00e9 mo\u017en\u00e1 n\u011bjakou tou korunkou do za\u010d\u00e1tku p\u0159isp\u011bj\u00ed.\u00a0A\u0165 tak \u010di onak, jste ve f\u00e1zi, \u017ee zva\u017eujete bydlen\u00ed ve vlastn\u00ed nemovitosti, ale budete si pot\u0159ebovat vz\u00edt hypot\u00e9ku.\u00a0M\u016f\u017eeme v\u00e1s ujistit, \u017ee jste si vybrali jedno z nejp\u0159\u00edhodn\u011bj\u0161\u00edch obdob\u00ed pro investov\u00e1n\u00ed do nemovitost\u00ed. D\u016fvod\u016f k tomuto tvrzen\u00ed je hned n\u011bkolik, nap\u0159\u00edklad:\u2022\u00a0\u00a0 aktu\u00e1ln\u011b (rok 2016) se hypote\u010dn\u00ed \u00faroky pohybuj\u00ed na nejni\u017e\u0161\u00edch mo\u017en\u00fdch sazb\u00e1ch – za\u010d\u00ednaj\u00ed od 1,79 % p.a.,\u2022\u00a0\u00a0 investice do vlastn\u00ed nemovitosti je nejm\u00e9n\u011b rizikovou investic\u00ed v porovn\u00e1n\u00ed s n\u00e1kupem drah\u00fdch kov\u016f (zlato, st\u0159\u00edbro, diamanty), vz\u00e1cn\u00fdch obraz\u016f nebo k\u00e1vov\u00fdch bod\u016f,\u2022\u00a0\u00a0 ceny nemovitost\u00ed neust\u00e1le stoupaj\u00ed, tedy va\u0161e investice se bude zhodnocovat a to i ve stovk\u00e1ch procent v des\u00edtk\u00e1ch let.\u00a0Pokud si p\u016fjdete sjedn\u00e1vat hypot\u00e9ku, myslete na n\u00e1sleduj\u00edc\u00ed aspekty:1.\u00a0\u00a0\u00a0 V\u00fd\u0161i \u00farokov\u00e9 sazby a o jak\u00fd typ se jedn\u00e1 – plovouc\u00ed nebo pevn\u00e1 sazba. Plovouc\u00ed \u00farokov\u00e1 sazba s fixn\u00edm stropem nen\u00ed mezi dne\u0161n\u00edmi bankami p\u0159\u00edli\u0161 roz\u0161\u00ed\u0159enou nab\u00eddkou, ale nab\u00edz\u00ed ji nap\u0159\u00edklad AirBank.2.\u00a0\u00a0\u00a0 Dobu fixace – ka\u017ed\u00e1 slu\u0161n\u011bj\u0161\u00ed hypote\u010dn\u00ed nab\u00eddka by v\u00e1m m\u011bla umo\u017enit si zvolit dobu fixace.3.\u00a0\u00a0\u00a0 Pen\u00e1le za p\u0159ed\u010dasn\u00e9splacen\u00ed hypot\u00e9ky – zjist\u011bte si, zda je mo\u017en\u00e9 splatit v\u00fd\u0161i dluhu p\u0159ed\u010dasn\u011b bez placen\u00ed penalizac\u00ed. Banky obvykle nab\u00edzej\u00ed mo\u017enost jednoro\u010dn\u00edch mimo\u0159\u00e1dn\u00fdch spl\u00e1tek v ur\u010dit\u00e9m procentu ze zb\u00fdvaj\u00edc\u00ed nesplacen\u00e9 \u010d\u00e1stky.4.\u00a0\u00a0\u00a0 Veden\u00ed hypote\u010dn\u00edho \u00fa\u010dtu – dnes je b\u011b\u017en\u00e9, \u017ee za veden\u00ed \u00fa\u010dtu s hypot\u00e9kou byste platit nem\u011bli. Po\u017eadujte tuto slu\u017ebu i od va\u0161\u00ed banky.Dal\u0161\u00edslu\u017eby – nechte si p\u0159edlo\u017eit v\u0161echny slu\u017eby a benefity od ka\u017ed\u00e9 banky. Nez\u016fst\u00e1vejte jen u banky s nejni\u017e\u0161\u00ed \u00farokovou sazbou, cht\u011bjte komplexn\u00ed nab\u00eddku slu\u017eeb.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka: Investovat do nemovitosti?","item":"https:\/\/www.bofi.cz\/hypoteka-investovat-do-nemovitosti\/#breadcrumbitem"}]}]