[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.durit.cz\/pujcte-si-na-druzstevni-byt\/#Article","mainEntityOfPage":"https:\/\/www.durit.cz\/pujcte-si-na-druzstevni-byt\/","headline":"P\u016fj\u010dte si na dru\u017estevn\u00ed byt","name":"P\u016fj\u010dte si na dru\u017estevn\u00ed byt","description":"Ne ka\u017ed\u00fd si chce po\u0159\u00eddit sv\u00e9 vlastn\u00ed bydlen\u00ed a ne ka\u017ed\u00fd m\u00e1 tak\u00e9 tu mo\u017enost. A proto\u017ee se mu z\u00e1rove\u0148…","datePublished":"2019-08-27","dateModified":"2023-06-02","author":{"@type":"Person","@id":"https:\/\/www.durit.cz\/author\/#Person","name":"","url":"https:\/\/www.durit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/858bd846075fd5b8b1d4245db80ad7e97c5f6469ebe7a8ed193790395667b9ae?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/858bd846075fd5b8b1d4245db80ad7e97c5f6469ebe7a8ed193790395667b9ae?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"durit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.durit.cz\/wp-content\/uploads\/img_a360553_w1711_t1574180712.jpg","url":"https:\/\/www.durit.cz\/wp-content\/uploads\/img_a360553_w1711_t1574180712.jpg","height":0,"width":0},"url":"https:\/\/www.durit.cz\/pujcte-si-na-druzstevni-byt\/","about":["Finance"],"wordCount":446,"articleBody":"      Ne ka\u017ed\u00fd si chce po\u0159\u00eddit sv\u00e9 vlastn\u00ed bydlen\u00ed a ne ka\u017ed\u00fd m\u00e1 tak\u00e9 tu mo\u017enost. A proto\u017ee se mu z\u00e1rove\u0148 nechce donekone\u010dna st\u0159\u00eddat st\u00e1le dra\u017e\u0161\u00ed a dra\u017e\u0161\u00ed podn\u00e1jmy, mo\u017en\u00e1 ho jednoho dne napadne, \u017ee by nebylo marn\u00e9 po\u0159\u00eddit si byt dru\u017estevn\u00ed. Kter\u00fd tak trochu bude a sou\u010dasn\u011b tak trochu nebude jeho, jak je n\u00e1m v\u0161em zn\u00e1mo.Ov\u0161em nejednou se p\u0159i t\u011bchto \u00favah\u00e1ch naraz\u00ed na u n\u00e1s docela b\u011b\u017en\u00fd probl\u00e9m. A sice kde na takov\u00fd byt sehnat pen\u00edze. Proto\u017ee i dru\u017estevn\u00ed pod\u00edl na n\u011bjak\u00e9 t\u00e9 nemovitosti n\u011bco stoj\u00ed.Pokud se doty\u010dn\u00fd \u010dlov\u011bk rozhodn\u011b pro p\u016fj\u010dku, m\u016f\u017ee si b\u00fdt od po\u010d\u00e1tku jist t\u00edm, \u017ee v bance neusp\u011bje. Proto\u017ee banky podobn\u00e9 spoluvlastnictv\u00ed coby z\u00e1ruku neakceptuj\u00ed a na dru\u017estevn\u00ed byt tak hypot\u00e9ku neposkytnou.Ov\u0161em na\u0161t\u011bst\u00ed je tu po\u0159\u00e1d je\u0161t\u011b i nebankovn\u00ed sektor, u kter\u00e9ho usp\u011bt lze. Tady se toti\u017e nab\u00edz\u00ed hypot\u00e9ka na dru\u017estevn\u00ed byt Americkahypoteka.Tuto hypot\u00e9ku z\u00edskat lze, a to dokonce b\u011bhem pouh\u00fdch n\u011bkolika dn\u00ed. A to i navzdory tomu, \u017ee podobn\u00fd dru\u017estevn\u00ed pod\u00edl nelze zastavit stejn\u00fdm zp\u016fsobem jako nemovitost v osobn\u00edm vlastnictv\u00ed. Proto\u017ee soukrom\u00fd sektor je v p\u0159\u00edpad\u011b podobn\u00fdch p\u016fj\u010dek flexibiln\u011bj\u0161\u00ed a dok\u00e1\u017ee vyhov\u011bt.Poskytovatel \u00fav\u011bru tu tak s\u00e1m uzav\u0159e smlouvu o p\u0159evodu \u010dlensk\u00fdch pr\u00e1v se sou\u010dasn\u00fdm majitelem t\u011bchto pr\u00e1v nebo takzvanou smlouvu o zaji\u0161\u0165ovac\u00edm p\u0159evodu \u010dlensk\u00fdch pr\u00e1v, p\u0159\u00edpadn\u011b poskytne \u010dlov\u011bku, kter\u00fd ji\u017e takov\u00fd dru\u017estevn\u00ed byt vlastn\u00ed, v\u00fdm\u011bnou za jeho zastaven\u00ed a\u017e sedmdes\u00e1t procent hodnoty doty\u010dn\u00e9 nemovitosti.Z\u00e1jemce o po\u0159\u00edzen\u00ed si takov\u00e9ho dru\u017estevn\u00edho bytu tak z\u00edsk\u00e1 chyb\u011bj\u00edc\u00ed finan\u010dn\u00ed prost\u0159edky na rok a\u017e t\u0159icet let, s mo\u017enost\u00ed splatit je i p\u0159ed\u010dasn\u011b, a po splacen\u00ed je takov\u00fd byt p\u0159eveden do jeho (dru\u017estevn\u00edho) vlastnictv\u00ed.P\u0159\u00edpadn\u011b se lze tak\u00e9 zaru\u010dit za p\u016fj\u010dku na dru\u017estevn\u00ed byt i ji\u017e vlastn\u011bnou nemovitost\u00ed v osobn\u00edm vlastnictv\u00ed \u017eadatele nebo t\u0159et\u00ed osoby.Jist\u011b, v p\u0159\u00edpad\u011b dru\u017estevn\u00edch byt\u016f jsou u hypot\u00e9k zpravidla dra\u017e\u0161\u00ed spl\u00e1tky, ale to u\u017e je vedlej\u0161\u00ed. Hlavn\u00ed je, \u017ee tu ka\u017ed\u00fd z\u00edsk\u00e1 mo\u017enost si takov\u00fd dru\u017estevn\u00ed byt po\u0159\u00eddit. A bydlet tak podle sv\u00fdch p\u0159edstav.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dte si na dru\u017estevn\u00ed byt","item":"https:\/\/www.durit.cz\/pujcte-si-na-druzstevni-byt\/#breadcrumbitem"}]}]