[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eliosvos.cz\/lisi-se-nejak-hypoteka-na-pozemek-od-te-bezne\/#Article","mainEntityOfPage":"https:\/\/www.eliosvos.cz\/lisi-se-nejak-hypoteka-na-pozemek-od-te-bezne\/","headline":"Li\u0161\u00ed se n\u011bjak hypot\u00e9ka na pozemek od t\u00e9 b\u011b\u017en\u00e9?","name":"Li\u0161\u00ed se n\u011bjak hypot\u00e9ka na pozemek od t\u00e9 b\u011b\u017en\u00e9?","description":"Kdy\u017e se \u0159ekne vlastn\u00ed bydlen\u00ed, v\u011bt\u0161ina z n\u00e1s si p\u0159edstav\u00ed koupi ji\u017e hotov\u00e9ho domu \u010di bytu. A ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f to tak\u00e9 odpov\u00edd\u00e1 skute\u010dnosti. Av\u0161ak jsou mezi n\u00e1mi i lid\u00e9, kte\u0159\u00ed si cht\u011bj\u00ed postavit sv\u016fj vlastn\u00ed d\u016fm. Ti pak sh\u00e1n\u00ed vhodn\u00fd pozemek, ide\u00e1ln\u011b ji\u017e se zaveden\u00fdmi s\u00edt\u011bmi elekt\u0159iny i kanalizace. Ov\u0161em jako u ostatn\u00edch nemovitost\u00ed, ... <a title=\"Li\u0161\u00ed se n\u011bjak hypot\u00e9ka na pozemek od t\u00e9 b\u011b\u017en\u00e9?\" class=\"read-more\" href=\"https:\/\/www.eliosvos.cz\/lisi-se-nejak-hypoteka-na-pozemek-od-te-bezne\/\">Read more<span class=\"screen-reader-text\">Li\u0161\u00ed se n\u011bjak hypot\u00e9ka na pozemek od t\u00e9 b\u011b\u017en\u00e9?<\/span><\/a>","datePublished":"2020-08-11","dateModified":"2023-06-06","author":{"@type":"Person","@id":"https:\/\/www.eliosvos.cz\/author\/#Person","name":"","url":"https:\/\/www.eliosvos.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eliosvos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.eliosvos.cz\/wp-content\/uploads\/hypoteka1_10_2.jpg","url":"https:\/\/www.eliosvos.cz\/wp-content\/uploads\/hypoteka1_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.eliosvos.cz\/lisi-se-nejak-hypoteka-na-pozemek-od-te-bezne\/","about":["Pen\u00edze"],"wordCount":437,"articleBody":"        Kdy\u017e se \u0159ekne vlastn\u00ed bydlen\u00ed, v\u011bt\u0161ina z n\u00e1s si p\u0159edstav\u00ed koupi ji\u017e hotov\u00e9ho domu \u010di bytu. A ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f to tak\u00e9 odpov\u00edd\u00e1 skute\u010dnosti. Av\u0161ak jsou mezi n\u00e1mi i lid\u00e9, kte\u0159\u00ed si cht\u011bj\u00ed postavit sv\u016fj vlastn\u00ed d\u016fm. Ti pak sh\u00e1n\u00ed vhodn\u00fd pozemek, ide\u00e1ln\u011b ji\u017e se zaveden\u00fdmi s\u00edt\u011bmi elekt\u0159iny i kanalizace.Ov\u0161em jako u ostatn\u00edch nemovitost\u00ed, ani zde se nejedn\u00e1 o malou \u010d\u00e1stku. V z\u00e1vislosti na lokalit\u011b je sice obvykle ni\u017e\u0161\u00ed, ne\u017e u ji\u017e hotov\u00fdch dom\u016f, ale p\u0159esto to nen\u00ed obnos, kter\u00fd by m\u011bla v\u011bt\u0161ina z n\u00e1s okam\u017eit\u011b p\u0159i sob\u011b.Pokud sh\u00e1n\u00edme d\u016fm \u010di byt, m\u00e1me mo\u017enost vz\u00edt si na n\u011bj hypot\u00e9ku. Ale co kdy\u017e si chceme koupit \u010dist\u011b jen parcelu? M\u00e1me i zde podobnou mo\u017enost?Ano, m\u00e1me. Existuje hypot\u00e9ka na pozemek. Je to jen logick\u00e9, nebo\u0165 hypot\u00e9ky v sob\u011b zahrnuj\u00ed ve\u0161ker\u00e9 nemovitosti, ke kter\u00fdm pozemky rozhodn\u011b pat\u0159\u00ed. Av\u0161ak je pot\u0159eba m\u00edt na pam\u011bti, \u017ee zde je p\u00e1r v\u011bc\u00ed, o kter\u00fdch je nutn\u00e9 pop\u0159em\u00fd\u0161let.Tou hlavn\u00ed je cena n\u00e1sledn\u00e9 v\u00fdstavby. A bu\u010fme realisti\u010dt\u00ed, cena pozemku tvo\u0159\u00ed pouze malou \u010d\u00e1st t\u00e9to \u010d\u00e1stky. Ot\u00e1zkou tedy je, zda si pouze vz\u00edt hypot\u00e9ku na pozemek s t\u00edm, \u017ee stav\u011bt budeme n\u011bkdy v budoucnu, nebo zda tam budeme stav\u011bt okam\u017eit\u011b.Je toti\u017e nutn\u00e9 sehnat pak na tuto stavbu finan\u010dn\u00ed prost\u0159edky. Jist\u011b, je mo\u017en\u00e9 je zafinancovat z on\u00e9 hypot\u00e9ky. Ov\u0161em zde je nutn\u00e9 ji\u017e p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti p\u0159edlo\u017eit kompletn\u00ed dokumentaci a p\u0159edpokl\u00e1dan\u00fd v\u00fdpo\u010det n\u00e1klad\u016f, to v\u0161e k cen\u011b pozemku.Je samoz\u0159ejm\u00e9, \u017ee v tomto p\u0159\u00edpad\u011b se v\u00e1m to prodra\u017e\u00ed, a to i tehdy, pokud budete stav\u011bt sv\u00e9pomoc\u00ed. A tato zv\u00fd\u0161en\u00e1 \u010d\u00e1stka pak m\u016f\u017ee m\u00edt vliv na to, zda bude va\u0161e \u017e\u00e1dost schv\u00e1lena, \u010di nikoliv. Je toti\u017e velmi dob\u0159e mo\u017en\u00e9, \u017ee by v\u00e1m schv\u00e1lili hypot\u00e9ku na koupi dan\u00e9 parcely, av\u0161ak nikoliv na jej\u00ed koupi a n\u00e1sledn\u00e9 stavebn\u00ed pr\u00e1ce.Je tedy nutn\u00e9 se zamyslet, zda je to skute\u010dn\u011b ten nejlep\u0161\u00ed n\u00e1pad a zda by nebylo p\u0159ece jen vhodn\u011bj\u0161\u00ed koupit ji\u017e hotov\u00fd d\u016fm. V kone\u010dn\u00e9m d\u016fsledku to toti\u017e m\u016f\u017ee vyj\u00edt podstatn\u011b levn\u011bji.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Li\u0161\u00ed se n\u011bjak hypot\u00e9ka na pozemek od t\u00e9 b\u011b\u017en\u00e9?","item":"https:\/\/www.eliosvos.cz\/lisi-se-nejak-hypoteka-na-pozemek-od-te-bezne\/#breadcrumbitem"}]}]