[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hoshi.cz\/jak-financovat-koupi-ci-rekonstrukci-chaty-nebo-chalupy\/#Article","mainEntityOfPage":"https:\/\/www.hoshi.cz\/jak-financovat-koupi-ci-rekonstrukci-chaty-nebo-chalupy\/","headline":"Jak financovat koupi \u010di rekonstrukci chaty nebo chalupy","name":"Jak financovat koupi \u010di rekonstrukci chaty nebo chalupy","description":"\u010ce\u0161i jsou vyhl\u00e1\u0161en\u00ed jako nad\u0161en\u00ed chata\u0159i a chalup\u00e1\u0159i, hlavn\u011b v dob\u00e1ch je\u0161t\u011b ned\u00e1vn\u00fdch m\u011bla t\u00e9m\u011b\u0159 ka\u017ed\u00e1 dom\u00e1cnost chatu \u010di chalupu, kam jezdili o v\u00edkendech, a\u0165 u\u017e kv\u016fli relaxaci, p\u0159\u00edrod\u011b, ryba\u0159en\u00ed nebo setk\u00e1v\u00e1n\u00ed se s p\u0159\u00e1teli, ale hlavn\u011b si mohli na... Pokra\u010dovat ve \u010dten\u00ed →<\/a>","datePublished":"2017-02-10","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.hoshi.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.hoshi.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hoshi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.hoshi.cz\/jak-financovat-koupi-ci-rekonstrukci-chaty-nebo-chalupy\/","about":["Pen\u00edze"],"wordCount":632,"articleBody":"\u010ce\u0161i jsou vyhl\u00e1\u0161en\u00ed jako nad\u0161en\u00ed chata\u0159i a chalup\u00e1\u0159i, hlavn\u011b v dob\u00e1ch je\u0161t\u011b ned\u00e1vn\u00fdch m\u011bla t\u00e9m\u011b\u0159 ka\u017ed\u00e1 dom\u00e1cnost chatu \u010di chalupu, kam jezdili o v\u00edkendech, a\u0165 u\u017e kv\u016fli relaxaci, p\u0159\u00edrod\u011b, ryba\u0159en\u00ed nebo setk\u00e1v\u00e1n\u00ed se s p\u0159\u00e1teli, ale hlavn\u011b si mohli na chv\u00edli u\u017e\u00edt volna v p\u0159\u00edrod\u011b, ne\u017e b\u00fdt v\u011b\u010dn\u011b jen „v panel\u00e1ku“.I kdy\u017e je dne\u0161n\u00edm trendem, hlavn\u011b mlad\u00fdch lid\u00ed, po\u0159\u00eddit si rovnou domek, ne\u017e byt a chatu, co\u017e by se samoz\u0159ejm\u011b v dne\u0161n\u00ed dob\u011b hodn\u011b prodra\u017eilo, najdou se st\u00e1le lid\u00e9, kte\u0159\u00ed zast\u00e1vaj\u00ed m\u00edt oboj\u00ed, ve m\u011bst\u011b b\u00fdt v kontaktu s lidmi a na chat\u011b si u\u017e\u00edvat p\u0159\u00edrody, ale tak\u00e9 je st\u00e1le \u010dast\u011bj\u0161\u00ed, \u017ee pokud n\u011bkdo chatu \u010di chalupu vlastn\u00ed a k tomu i byt, zrekonstruuj\u00ed se ji a byt „p\u0159enech\u00e1vaj\u00ed mlad\u00fdm“.Jak\u00fdmi zp\u016fsoby se d\u00e1 financovat po\u0159\u00edzen\u00ed nebo rekonstrukce chaty \u010di chalupy:–        nejide\u00e1ln\u011bj\u0161\u00edm zp\u016fsobem je samoz\u0159ejm\u011b hotovost, a\u0165 u\u017e m\u00e1te na\u0161et\u0159en\u00e9 pen\u00edze, nebo prod\u00e1te byt ve m\u011bst\u011b a zrekonstruujete si chatu \u010di chalupu k trval\u00e9mu bydlen\u00ed, pokud ji nem\u00e1te a jste rozhodnuti si ji koupit, plat\u00ed to sam\u00e9, ale ruku na srdce, v dne\u0161n\u00ed dob\u011b m\u00e1 m\u00e1lokdo na\u0161et\u0159eno tolik pen\u011bz, a byt se prod\u00e1vat moc nevyplat\u00ed–        mo\u017en\u00fdm zp\u016fsobem je hypote\u010dn\u00ed \u00fav\u011br, ten se V\u00e1m vyplat\u00ed, pokud chcete chatu koupit, ale u\u017e\u00edvat jen k rekreaci, k trval\u00e9mu bydlen\u00ed V\u00e1m ho banka neposkytne. Podle hodnoty zastavovan\u00e9 nemovitosti (tou m\u016f\u017ee b\u00fdt pr\u00e1v\u011b chata \u010di chalupa Va\u0161e banka rozhodne o v\u00fd\u0161i poskytnut\u00e9ho \u00fav\u011bru, mus\u00edte tak\u00e9 spl\u0148ovat n\u011bkolik z\u00e1kladn\u00edch podm\u00ednek:–        b\u00fdt dostate\u010dn\u011b bonitn\u00ed (m\u00edt dostate\u010dn\u00fd a st\u00e1l\u00fd p\u0159\u00edjem)–        pokud jste podnikatel, pak da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed–        samoz\u0159ejmost\u00ed je dostate\u010dn\u00e1 z\u00e1stava (tou je pr\u00e1v\u011b kupovan\u00e1 chata \u010di chalupa)–        v\u011bk nad 18 let–        v\u00fdhodou V\u00e1m bude „historie ve Va\u0161\u00ed bance“–        pokud chcete chatu \u010di chalupu zrekonstruovat, bude pro V\u00e1s v\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dka na bydlen\u00ed, u t\u00e9 nen\u00ed t\u0159eba zaji\u0161t\u011bn\u00ed nemovitost\u00ed a jej\u00ed vy\u0159\u00edzen\u00ed je rychlej\u0161\u00ed–        je to vlastn\u011b forma tzv. spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, nev\u00fdhodou m\u016f\u017ee b\u00fdt, \u017ee vlastn\u011b u v\u0161ech pou\u017eit\u00fdch pen\u011bz na rekonstrukci mus\u00edte dolo\u017eit, na co byly pou\u017eity–        v\u00fdhodou naopak je ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba ne\u017e u klasick\u00e9 p\u016fj\u010dky–      p\u016fj\u010d\u00ed V\u00e1m siceni\u017e\u0161\u00ed \u010d\u00e1stku ne\u017e u hypot\u00e9ky, spl\u00e1tky si ale na opl\u00e1tku m\u016f\u017eete rozlo\u017eit (v\u011bt\u0161inou a\u017e na 10 let) a p\u0159ed\u010dasn\u00e9 splacen\u00ed je zdarma Pokud se rozhodnete na chat\u011b \u010di chalup\u011b bydlet trvale, mus\u00ed b\u00fdt nejd\u0159\u00edve tzv. rekolaudov\u00e1n, teprve pot\u00e9 se st\u00e1v\u00e1 objektem ur\u010den\u00fdm k trval\u00e9mu bydlen\u00ed a dost\u00e1v\u00e1 p\u0159id\u011blono \u010d\u00edslo popisn\u00e9.Bohu\u017eel ani na jednu z variant v\u011bt\u0161inou nelze pou\u017e\u00edt stavebn\u00ed spo\u0159en\u00ed.  4.6\/5 - (7 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak financovat koupi \u010di rekonstrukci chaty nebo chalupy","item":"https:\/\/www.hoshi.cz\/jak-financovat-koupi-ci-rekonstrukci-chaty-nebo-chalupy\/#breadcrumbitem"}]}]