[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.candid.cz\/bydleni-ve-svem\/#Article","mainEntityOfPage":"https:\/\/www.candid.cz\/bydleni-ve-svem\/","headline":"Bydlen\u00ed ve sv\u00e9m","name":"Bydlen\u00ed ve sv\u00e9m","description":"Jen\u017ee tento sen se jen velmi t\u011b\u017ece napl\u0148uje. Tedy zd\u00e1nliv\u011b. Hlavn\u00ed p\u0159ek\u00e1\u017eka jsou samoz\u0159ejm\u011b pen\u00edze a zase pen\u00edze. Kde na to vz\u00edt. Syst\u00e9m je toti\u017e postaven\u00fd tak, aby si \u010dlov\u011bk nemohl vlastn\u00ed bydlen\u00ed po\u0159\u00eddit za norm\u00e1ln\u00ed \u010d\u00e1stku, ale tato p\u0159evy\u0161uje v\u0161echny jeho mo\u017enosti. A o tom to je. \u010clov\u011bk mus\u00ed","datePublished":"2023-09-25","dateModified":"2023-09-25","author":{"@type":"Person","@id":"https:\/\/www.candid.cz\/author\/#Person","name":"","url":"https:\/\/www.candid.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"candid.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.candid.cz\/wp-content\/uploads\/money-6378852_640.png","url":"https:\/\/www.candid.cz\/wp-content\/uploads\/money-6378852_640.png","height":0,"width":0},"url":"https:\/\/www.candid.cz\/bydleni-ve-svem\/","about":["Bydlen\u00ed"],"wordCount":428,"articleBody":"       Jen\u017ee tento sen se jen velmi t\u011b\u017ece napl\u0148uje. Tedy zd\u00e1nliv\u011b. Hlavn\u00ed p\u0159ek\u00e1\u017eka jsou samoz\u0159ejm\u011b pen\u00edze a zase pen\u00edze. Kde na to vz\u00edt. Syst\u00e9m je toti\u017e postaven\u00fd tak, aby si \u010dlov\u011bk nemohl vlastn\u00ed bydlen\u00ed po\u0159\u00eddit za norm\u00e1ln\u00ed \u010d\u00e1stku, ale tato p\u0159evy\u0161uje v\u0161echny jeho mo\u017enosti. A o tom to je. \u010clov\u011bk mus\u00ed na bydlen\u00ed cel\u00fd \u017eivot pracovat. Jen\u017ee spo\u0159it si s\u00e1m a kupovat si byt \u010di d\u016fm v sedmdes\u00e1ti letech jaksi postr\u00e1d\u00e1 smysl. Co\u017e je zcela pochopiteln\u00e9. Byt se mus\u00ed koupit, kdy\u017e je \u010dlov\u011bk mlad\u00fd a kdy\u017e o\u010dek\u00e1v\u00e1, \u017ee mu bydlen\u00ed nespadne do kl\u00edna naprosto samo. Co\u017e se klidn\u011b m\u016f\u017ee st\u00e1t. Ale my se v tomto \u010dl\u00e1ne\u010dku sp\u00ed\u0161e pod\u00edv\u00e1me na ty lidi, kte\u0159\u00ed toto \u0161t\u011bst\u00ed nemaj\u00ed a ani jej nikterak neo\u010dek\u00e1vaj\u00ed. Takov\u00ed si mus\u00ed vz\u00edt p\u016fj\u010dku, kter\u00e1\u017eto p\u0159esn\u011b pojmenovan\u00e1 sluje hypot\u00e9ka. Asi ka\u017ed\u00fd v\u00ed, o\u010d kr\u00e1\u010d\u00ed a net\u0159eba to nad\u00e1le rozeb\u00edrat. Tak\u017ee tedy nav\u0161t\u00edv\u00ed n\u011bjakou instituci, kde nu na bydlen\u00ed poskytnou pot\u0159ebn\u00e9 pen\u00edze. A pr\u00e1v\u011b zde za\u010d\u00edn\u00e1 martyrium, kter\u00e9, jak se zd\u00e1, nebude m\u00edt nikdy konec. Ale nen\u00ed t\u0159eba se ob\u00e1vat, konec m\u00edt bude a n\u011bkdy velmi rychl\u00fd. \u017d\u00e1dost toti\u017e m\u016f\u017ee b\u00fdt zam\u00edtnuta. D\u016fvody mohou b\u00fdt r\u016fzn\u00e9, nap\u0159\u00edklad nedobr\u00e1 bonita klienta. To je nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010dinou negativn\u00edho v\u00fdsledku jedn\u00e1n\u00ed o p\u016fj\u010dce. N\u00edzk\u00fd p\u0159\u00edjem z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo spousta dal\u0161\u00edch faktor\u016f ur\u010d\u00ed, \u017ee \u010dlov\u011bk \u017e\u00e1dn\u00e9 pen\u00edze nedostane. A t\u00edm to pro n\u011bj kon\u010d\u00ed a m\u016f\u017ee se j\u00edt v poklidu klouzat. Ne v\u0161ak, pokud v\u00ed, co je to hypot\u00e9ka na dru\u017estevn\u00ed byt. Zde je v\u0161e pon\u011bkud jinak a v\u0161e se zde tak\u00e9 jinak projedn\u00e1v\u00e1. Postupy jsou si sice v z\u00e1sad\u011b podobn\u00e9, ale p\u0159i tomto druhu hypot\u00e9ky je v\u0161e projedn\u00e1v\u00e1no rychleji, proto\u017ee klient chce bydlet nyn\u00ed, a ne n\u011bkde za dvacet let. Proto se zde ani tak moc nepap\u00edruje a nen\u00ed pot\u0159eba spousty r\u016fzn\u00fdch potvrzen\u00ed, jako je tomu jinde. A pen\u00edze samotn\u00e9? Ty p\u0159istanou na \u00fa\u010dtu ihned po podpisu smlouvy. Na nic se tu ne\u010dek\u00e1, proto\u017ee tak\u00e9 nen\u00ed pro\u010d.                                                                                                                                                                                                                                                                                                                                                                                           4.9\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bydlen\u00ed ve sv\u00e9m","item":"https:\/\/www.candid.cz\/bydleni-ve-svem\/#breadcrumbitem"}]}]