[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gotech.cz\/nova-moznost-financovani-pro-mlade-rodiny\/#Article","mainEntityOfPage":"https:\/\/www.gotech.cz\/nova-moznost-financovani-pro-mlade-rodiny\/","headline":"Nov\u00e1 mo\u017enost financov\u00e1n\u00ed pro mlad\u00e9 rodiny","name":"Nov\u00e1 mo\u017enost financov\u00e1n\u00ed pro mlad\u00e9 rodiny","description":"\u00dav\u011br ze St\u00e1tn\u00edho fondu rozvoje bydlen\u00ed (SFRB) se stal okam\u017eit\u011b velice popul\u00e1rn\u00edm, proto\u017ee nab\u00edz\u00ed neuv\u011b\u0159iteln\u011b n\u00edzk\u00fd \u00fav\u011br. \u00darokov\u00e1 sazba je v\u00e1z\u00e1na na referen\u010dn\u00ed sazbu Evropsk\u00e9 unie, kdy je nejni\u017e\u0161\u00ed mo\u017en\u00e1 sazba pouh\u00e9 jedno procento a fixace je mo\u017en\u00e1 a\u017e na p\u011bt let. P\u016fj\u010dit si touto cestou m\u016f\u017eete a\u017e 1,2 milionu","datePublished":"2018-12-20","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.gotech.cz\/author\/#Person","name":"","url":"https:\/\/www.gotech.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gotech.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gotech.cz\/wp-content\/uploads\/img_a337662_w2534_t1550675621.jpg","url":"https:\/\/www.gotech.cz\/wp-content\/uploads\/img_a337662_w2534_t1550675621.jpg","height":0,"width":0},"url":"https:\/\/www.gotech.cz\/nova-moznost-financovani-pro-mlade-rodiny\/","wordCount":461,"articleBody":"\t\u00dav\u011br ze St\u00e1tn\u00edho fondu rozvoje bydlen\u00ed (SFRB) se stal okam\u017eit\u011b velice popul\u00e1rn\u00edm, proto\u017ee nab\u00edz\u00ed neuv\u011b\u0159iteln\u011b n\u00edzk\u00fd \u00fav\u011br. \u00darokov\u00e1 sazba je v\u00e1z\u00e1na na referen\u010dn\u00ed sazbu Evropsk\u00e9 unie, kdy je nejni\u017e\u0161\u00ed mo\u017en\u00e1 sazba pouh\u00e9 jedno procento a fixace je mo\u017en\u00e1 a\u017e na p\u011bt let. P\u016fj\u010dit si touto cestou m\u016f\u017eete a\u017e 1,2 milionu korun na koupi bytu, anebo a\u017e 2 miliony na stavbu \u010di koupi rodinn\u00e9ho domu. Jedn\u00e1 se tedy o nab\u00eddku prvot\u0159\u00eddn\u00edch slu\u017eeb.\t\u00a0\tV\u00fdhodn\u00e9 je to zejm\u00e9na pro soci\u00e1ln\u011b slab\u0161\u00ed rodiny, kter\u00e9 by u b\u011b\u017en\u00e9 hypot\u00e9ky u banky nespl\u0148ovali podm\u00ednky nebo nem\u011bli na pravideln\u00e9 spl\u00e1cen\u00ed sv\u00e9 pohled\u00e1vky. Skv\u011bl\u00e1 je tak\u00e9 pro jedince, kte\u0159\u00ed maj\u00ed nap\u0159\u00edklad rozestav\u011bn\u00fd d\u016fm a pot\u0159ebuj\u00ed finance k\u00a0jeho dokon\u010den\u00ed, anebo pl\u00e1nuj\u00ed rekonstrukci bytu. V\u00a0p\u0159\u00edpad\u011b modernizace bytu m\u00e1te t\u00edmto zp\u016fsobem n\u00e1rok a\u017e na 300 tis\u00edc korun.\t\u00a0\tV\u00fdhody maj\u00ed sv\u00e1 omezen\u00edNejen, \u017ee je ur\u010dena maxim\u00e1ln\u00ed v\u00fd\u0161e pro v\u0161echny druhy \u00fa\u010delu. Omezen\u00e9 jsou tak\u00e9 prostory, na kter\u00e9 si ji m\u016f\u017eete vz\u00edt. Fond v\u00e1m poskytne pen\u00edze jen v\u00a0p\u0159\u00edpad\u011b, \u017ee:\t\tv\u00fdstavba rodinn\u00e9ho domu nep\u0159es\u00e1hne 140 m2,\t\tvelikost koupen\u00e9ho bytu nep\u0159es\u00e1hne 75 m2,\t\tpodlahov\u00e1 plocha koupen\u00e9ho domu nep\u0159es\u00e1hne 140 m2.\u00a0\tZkombinujte jedno s\u00a0druh\u00fdmPokud stav\u00edte nebo kupujete d\u016fm, tak se v\u00e1m omezen\u00ed v\u00fd\u0161e \u010d\u00e1stky SFRB nemus\u00ed v\u016fbec l\u00edbit a nemus\u00ed v\u00e1m sta\u010dit. Nezoufejte, proto\u017ee nad\u011bji zajist\u00e9 sk\u00fdt\u00e1 kombinace s\u00a0hypot\u00e9kou. I zde se ov\u0161em m\u016f\u017ee vyskytnout probl\u00e9m.\u00a0Mus\u00edte toti\u017e bance nahl\u00e1sit, \u017ee na katastru nemovitost\u00ed bude m\u00edt z\u00e1stavn\u00ed pr\u00e1vo na nemovitost pr\u00e1v\u011b SFRB a ne dan\u00e1 banka. N\u011bkter\u00fdm to nemus\u00ed vyhovovat, ale pokud na to p\u0159istoup\u00ed, tak m\u00e1te vyhr\u00e1no. V\u011bt\u0161ina bank s\u00a0t\u00edm pravd\u011bpodobn\u011b bude m\u00edt probl\u00e9m, proto\u017ee nebudou cht\u00edt st\u00e1t a\u017e na druh\u00e9m m\u00edst\u011b. Znamen\u00e1 to pro n\u011b, \u017ee v\u00a0p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed se jako prvn\u00ed prodejem nemovitosti uspokoj\u00ed pohled\u00e1vky SFRB.\u00a0Dal\u0161\u00edm probl\u00e9mem by mohli b\u00fdt va\u0161e p\u0159\u00edjmy. Spl\u00e1cen\u00ed \u00fav\u011bry a k\u00a0tomu hypot\u00e9ky nebude zajist\u00e9 \u00fapln\u011b jednoduch\u00e9 a banka si zaru\u010den\u011b hodn\u011b pohl\u00edd\u00e1, jestli m\u00e1te dostate\u010dn\u00e9 finan\u010dn\u00ed mo\u017enosti. Na druhou stranu v\u00e1m SFRB umo\u017en\u00ed p\u0159eru\u0161it spl\u00e1cen\u00ed v\u00a0p\u0159\u00edpad\u011b, \u017ee nap\u0159\u00edklad ztrat\u00edte pr\u00e1ci, budete dlouhodob\u011b nemocni apod., a to a\u017e na dva roky.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nov\u00e1 mo\u017enost financov\u00e1n\u00ed pro mlad\u00e9 rodiny","item":"https:\/\/www.gotech.cz\/nova-moznost-financovani-pro-mlade-rodiny\/#breadcrumbitem"}]}]