[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.marcal.cz\/mam-si-vzit-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.marcal.cz\/mam-si-vzit-hypoteku\/","headline":"M\u00e1m si vz\u00edt hypot\u00e9ku?","name":"M\u00e1m si vz\u00edt hypot\u00e9ku?","description":"U\u017e jste n\u011bkdy p\u0159em\u00fd\u0161leli nad hypot\u00e9kou? V dne\u0161n\u00ed dob\u011b si hypot\u00e9ky bere spousta lid\u00ed, ale jen m\u00e1lo lid\u00ed nad t\u00edm hloub\u011bji p\u0159em\u00fd\u0161l\u00ed dop\u0159edu. Vz\u00edt si … ","datePublished":"2024-01-28","dateModified":"2024-03-27","author":{"@type":"Person","@id":"https:\/\/www.marcal.cz\/author\/#Person","name":"","url":"https:\/\/www.marcal.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"marcal.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.marcal.cz\/wp-content\/uploads\/pexels-pixabay-259027_4.jpg","url":"https:\/\/www.marcal.cz\/wp-content\/uploads\/pexels-pixabay-259027_4.jpg","height":0,"width":0},"url":"https:\/\/www.marcal.cz\/mam-si-vzit-hypoteku\/","about":["D\u016fm a zahrada"],"wordCount":429,"articleBody":"   U\u017e jste n\u011bkdy p\u0159em\u00fd\u0161leli nad hypot\u00e9kou? V dne\u0161n\u00ed dob\u011b si hypot\u00e9ky bere spousta lid\u00ed, ale jen m\u00e1lo lid\u00ed nad t\u00edm hloub\u011bji p\u0159em\u00fd\u0161l\u00ed dop\u0159edu. Vz\u00edt si takovou hypot\u00e9ku toti\u017e bohu\u017eel nen\u00ed jen tak. Mus\u00edte v\u011bd\u011bt, \u017ee ji dok\u00e1\u017eete splatit. A v dne\u0161n\u00ed dob\u011b je ta nejistota obrovsk\u00e1. Lidi ztr\u00e1cej\u00ed pr\u00e1ci, maj\u00ed n\u00edzk\u00fd p\u0159\u00edjem a v\u0161echno se zdra\u017euje. Tak\u017ee pokud si n\u011bkdo chce vz\u00edt hypot\u00e9ku t\u0159eba na d\u016fm, je to sice moc fajn sen, ale m\u011bl by nad t\u00edm p\u0159em\u00fd\u0161let, jestli to je dobr\u00fd n\u00e1pad a jestli ty nebankovn\u00ed hypot\u00e9ky dok\u00e1\u017ee splatit. Ono v dne\u0161n\u00ed dob\u011b je to s pen\u011bzi fakt t\u011b\u017ek\u00e9. A pokud nejste milion\u00e1\u0159i (co\u017e je opravdu m\u00e1lo lid\u00ed v \u010cesk\u00e9 republice), tak mus\u00edte m\u00edt alespo\u0148 dosta\u010duj\u00edc\u00ed p\u0159\u00edjem. Nebo n\u011bjakou v\u011bt\u0161\u00ed finan\u010dn\u00ed rezervu. A te\u010f si vezm\u011bte, \u017ee pokud jste „norm\u00e1ln\u00ed“ \u010dlov\u011bk, tak sice t\u0159eba hypot\u00e9ku splat\u00edte, ale bude to a\u017e za deset, patn\u00e1ct let. Je pot\u0159eba si prost\u011b v\u0161echno pe\u010dliv\u011b a dob\u0159e promyslet.. P\u0159edstavte si, \u017ee moje babi\u010dka a d\u011bda si taky brali hypot\u00e9ku. Tenkr\u00e1t to teda nefungovalo \u00fapln\u011b p\u0159esn\u011b jako dnes, ale bylo to podobn\u00e9. Ale v\u011bd\u011bli, \u017ee to splat\u00ed a m\u011bli docela velkou \u010d\u00e1stku na\u0161et\u0159enou. A j\u00e1 jsem je tehdy obdivovala a po\u0159\u00e1d obdivuji. Co v\u0161echno dok\u00e1zali, \u017ee dok\u00e1zali splatit hypot\u00e9ku a z\u00edskat d\u016fm, kter\u00fd u\u017e byl jejich. A to je v dne\u0161n\u00ed dob\u011b pln\u00e9 zdra\u017eov\u00e1n\u00ed, vysok\u00fdch cen a podobn\u011b fakt obdivuhodn\u00e9. Tak\u017ee pokud u\u017e si hypot\u00e9ku chcete vz\u00edt, neusp\u011bchejte to. P\u0159em\u00fd\u0161lejte nad t\u00edm a sepi\u0161te si t\u0159eba na pap\u00edr plusy a m\u00ednusy. A pokud nem\u00e1te n\u011bjakou na\u0161et\u0159enou \u010d\u00e1stku a stabiln\u00ed p\u0159\u00edjem, tak prost\u011b s hypot\u00e9kou n\u011bjakou dobu po\u010dkejte. Je to rozhodn\u011b lep\u0161\u00ed, ne\u017e kdybyste potom o d\u016fm, nebo o pen\u00edze p\u0159i\u0161li. Tak na to pamatujte a v tomhle bu\u010fte zodpov\u011bdn\u00ed. Ka\u017ed\u00fd \u010dlov\u011bk m\u00e1 sv\u016fj vlastn\u00ed mozek a my, lid\u00e9, jsme chyt\u0159\u00ed tvorov\u00e9, ur\u010dit\u011b jste pochopili, co jsem t\u00edmhle \u010dl\u00e1nkem cht\u011bla sd\u011blit.. Tak samii uvid\u00edte.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1m si vz\u00edt hypot\u00e9ku?","item":"https:\/\/www.marcal.cz\/mam-si-vzit-hypoteku\/#breadcrumbitem"}]}]