[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zekobuild.cz\/problemy-druzstevnich-bytu\/#Article","mainEntityOfPage":"https:\/\/www.zekobuild.cz\/problemy-druzstevnich-bytu\/","headline":"Probl\u00e9my dru\u017estevn\u00edch byt\u016f","name":"Probl\u00e9my dru\u017estevn\u00edch byt\u016f","description":"St\u00e1t se vlastn\u00edkem dru\u017estevn\u00edho bytu m\u00e1 sv\u00e9 plusy i m\u00ednusy. T\u00edm nejv\u011bt\u0161\u00edm m\u00ednusem je, \u017ee nejste vlastn\u00edkem bytu, ale pouze m\u00e1te byt v pou\u017e\u00edv\u00e1n\u00ed. Je to n\u011bco jako pron\u00e1jem bytu, ale od skute\u010dn\u00e9ho pron\u00e1jmu, nem\u00e1te nijak \u010dasov\u011b omezeno, jak dlouho m\u016f\u017eete b\u00fdt v pron\u00e1jmu. Byt, pokud budete \u0159\u00e1dn\u011b platit z\u00e1lohy","datePublished":"2023-01-14","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.zekobuild.cz\/author\/#Person","name":"","url":"https:\/\/www.zekobuild.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zekobuild.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zekobuild.cz\/wp-content\/uploads\/new-housing-development-g9cbf8d5fb_640.jpg","url":"https:\/\/www.zekobuild.cz\/wp-content\/uploads\/new-housing-development-g9cbf8d5fb_640.jpg","height":0,"width":0},"url":"https:\/\/www.zekobuild.cz\/problemy-druzstevnich-bytu\/","about":["Ekonomika"],"wordCount":443,"articleBody":"      St\u00e1t se vlastn\u00edkem dru\u017estevn\u00edho bytu m\u00e1 sv\u00e9 plusy i m\u00ednusy. T\u00edm nejv\u011bt\u0161\u00edm m\u00ednusem je, \u017ee nejste vlastn\u00edkem bytu, ale pouze m\u00e1te byt v pou\u017e\u00edv\u00e1n\u00ed. Je to n\u011bco jako pron\u00e1jem bytu, ale od skute\u010dn\u00e9ho pron\u00e1jmu, nem\u00e1te nijak \u010dasov\u011b omezeno, jak dlouho m\u016f\u017eete b\u00fdt v pron\u00e1jmu. Byt, pokud budete \u0159\u00e1dn\u011b platit z\u00e1lohy v\u00e1m nikdo nem\u016f\u017ee vz\u00edt zp\u011bt a nem\u016f\u017ee v\u00e1s z n\u011bj vyst\u011bhovat. Nav\u00edc m\u00e1te mo\u017enost, \u017ee \u010dasem se byty budou prod\u00e1vat do osobn\u00edho vlastnictv\u00ed a pak bude byt skute\u010dn\u011b v\u00e1\u0161. S t\u00edm, \u017ee byt nen\u00ed v\u00e1\u0161 \u00fazce souvis\u00ed pro n\u011bkoho nep\u0159ekonateln\u00fd probl\u00e9m, nedostanete hypot\u00e9ku na dru\u017estevn\u00ed byt. Pro\u010d? Proto\u017ee hypot\u00e9ka m\u00e1 v\u017edy v podm\u00ednk\u00e1ch, \u017ee mus\u00edte ru\u010dit nemovitost\u00ed, ale byt na kter\u00fd byste hypot\u00e9ku brali nen\u00ed v\u00e1\u0161, ale dru\u017estva, tak\u017ee jej nikdy do z\u00e1stavy d\u00e1t nem\u016f\u017eete. Jsou tady ale mo\u017enosti \u0159e\u0161en\u00ed. Hypot\u00e9ku na dru\u017estevn\u00ed byt v\u00e1m schv\u00e1l\u00ed, pokud d\u00e1te do z\u00e1stavy jinou nemovitost, kterou vlastn\u00edte vy, nebo n\u011bkdo z rodiny. Pokud se zaru\u010d\u00ed n\u011bkdo z rodiny je to velk\u00e1 zodpov\u011bdnost za v\u00e1s, \u017ee budete \u0159\u00e1dn\u011b spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br a spl\u00e1tky. Dal\u0161\u00ed mo\u017enost\u00ed jak z\u00edskat hypot\u00e9ku na dru\u017estevn\u00ed byt je z\u00e1ruka dru\u017estva, \u017ee po ur\u010dit\u00e9 dob\u011b se budou byty do osobn\u00edho vlastnictv\u00ed p\u0159ev\u00e1d\u011bt. Toto m\u00e1 pochopiteln\u011b sv\u00e1 pravidla a bude v\u00e1s to st\u00e1t nemal\u00e9 \u00fasil\u00ed a pap\u00edrov\u00e1n\u00ed jak s dru\u017estvem tak s bankou nebo nebankovn\u00ed instituc\u00ed, podle toho kde budete o hypot\u00e9ku na dru\u017estevn\u00ed byt \u017e\u00e1dat. Situaci se z\u00edsk\u00e1n\u00edm hypote\u010dn\u00edho \u00fav\u011bru na dru\u017estevn\u00ed byt si m\u016f\u017eete, kdy\u017e oslov\u00edte firmu Americkahypoteka. Porad\u00ed v\u00e1m, jak se k hypot\u00e9ce nejl\u00e9pe dostat a formou konzultace si m\u016f\u017eete nechat spo\u010d\u00edtat v\u00fd\u0161ku spl\u00e1tek, ke kter\u00fdm byste se ka\u017edom\u011bs\u00ed\u010dn\u011b zav\u00e1zali. V t\u00e9to f\u00e1zi budete m\u00edt p\u0159\u00edle\u017eitost v\u0161e si je\u0161t\u011b d\u016fkladn\u011b rozmyslet a zv\u00e1\u017eit rizika s hypot\u00e9kou a dru\u017estevn\u00edm bydlen\u00edm. Dru\u017estevn\u00ed bydlen\u00ed je co do komfortu srovnateln\u00e9 s bydlen\u00edm v byt\u011b v osobn\u00edm vlastnictv\u00ed, jen to z\u00edsk\u00e1n\u00ed hypot\u00e9ky m\u016f\u017ee b\u00fdt slo\u017eit\u011bj\u0161\u00ed, ale ne ne\u0159e\u0161iteln\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Probl\u00e9my dru\u017estevn\u00edch byt\u016f","item":"https:\/\/www.zekobuild.cz\/problemy-druzstevnich-bytu\/#breadcrumbitem"}]}]