[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dusko.sk\/ziskanie-vlastneho-byvania\/#Article","mainEntityOfPage":"https:\/\/www.dusko.sk\/ziskanie-vlastneho-byvania\/","headline":"Z\u00edskanie vlastn\u00e9ho b\u00fdvania","name":"Z\u00edskanie vlastn\u00e9ho b\u00fdvania","description":"Byt je vhodn\u00fdm rie\u0161en\u00edm pre mlad\u00fdch \u013eud\u00ed. Domy s\u00fa pr\u00edli\u0161 drah\u00e9 na to, aby si ich pr\u00e1ve mlad\u00ed \u013eudia mohli k\u00fapi\u0165. Aj ke\u010f chc\u00fa mlad\u00ed","datePublished":"2024-03-31","dateModified":"2024-03-31","author":{"@type":"Person","@id":"https:\/\/www.dusko.sk\/author\/#Person","name":"","url":"https:\/\/www.dusko.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a414941ff2b86a79f1a70a433f21d60df00047fefe742a46b6fded139881a475?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dusko.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dusko.sk\/wp-content\/uploads\/living-living-room-1644496_640_2.jpg","url":"https:\/\/www.dusko.sk\/wp-content\/uploads\/living-living-room-1644496_640_2.jpg","height":0,"width":0},"url":"https:\/\/www.dusko.sk\/ziskanie-vlastneho-byvania\/","about":["Byt"],"wordCount":411,"articleBody":"Byt je vhodn\u00fdm rie\u0161en\u00edm pre mlad\u00fdch \u013eud\u00ed. Domy s\u00fa pr\u00edli\u0161 drah\u00e9 na to, aby si ich pr\u00e1ve mlad\u00ed \u013eudia mohli k\u00fapi\u0165. Aj ke\u010f chc\u00fa mlad\u00ed \u013eudia \u010dasom b\u00fdva\u0165 v\u00a0rodinnom dome, najprv sa us\u00eddlia v\u00a0byte. Ak ste si k\u00fapili vlastn\u00fd byt, m\u00e1te \u0161\u0165astie. Ve\u013ea mlad\u00fdch \u013eud\u00ed toto \u0161\u0165astie nem\u00e1 a\u00a0b\u00fdvaj\u00fa v\u00a0r\u00f4znych podn\u00e1jmoch. Podn\u00e1jmy nie s\u00fa vlastn\u00fdmi bytmi. Vlastnia ich in\u00ed majitelia, ktor\u00ed v\u00e1s m\u00f4\u017eu kedyko\u013evek z\u00a0bytu vyhodi\u0165. V\u00a0podn\u00e1jmoch v\u0161ak plat\u00edte len za podn\u00e1jom a\u00a0nemus\u00edte rie\u0161i\u0165 to, \u010di treba nie\u010do zrekon\u0161truova\u0165 alebo opravi\u0165. O\u00a0to by sa mal postara\u0165 majite\u013e bytu. Ak by ste chceli nie\u010do v\u00a0byte zmeni\u0165, mus\u00edte sa dohodn\u00fa\u0165 s\u00a0majite\u013eom bytu. \u00a0\u00a0Nem\u00f4\u017eete si len tak nie\u010do nev\u0155ta\u0165. Ak v\u00e1m to majite\u013e povol\u00ed, m\u00f4\u017eete v\u0161ak vykona\u0165 nejak\u00e9 \u00fapravy v\u00a0byte. To u\u017e mus\u00ed ods\u00fahlasi\u0165 majite\u013e bytu. Mnoho majite\u013eov bytov nem\u00e1 r\u00e1d \u013eud\u00ed, ktor\u00ed by sa chceli nas\u0165ahova\u0165 aj so psom. Pes je probl\u00e9mom b\u00fdvania v\u00a0podn\u00e1jmoch. Ka\u017ed\u00fd pes dok\u00e1\u017ee zni\u010di\u0165 byt. Pr\u00e1ve kv\u00f4li tomu ve\u013ea majite\u013eov nedovol\u00ed \u013eu\u010fom so psami b\u00fdva\u0165 v\u00a0ich byte. H\u013ead\u00e1 in\u00fdch podn\u00e1jomn\u00edkov, ktor\u00ed nevlastnia psa.\u00a0Ak v\u0161ak psa nem\u00e1te, podn\u00e1jom je pre v\u00e1s vhodn\u00fd. Ale by ste sa mali zamyslie\u0165 nad vlastn\u00fdm b\u00fdvan\u00edm a\u00a0aj o\u00a0tom, ako ho z\u00edskate. \u00a0\u00a0Z\u00edskanie vlastn\u00e9ho bytu m\u00f4\u017ee by\u0165 probl\u00e9mom, ak m\u00e1te slab\u00fd pr\u00edjem. R\u00f4zne pr\u00e1ce na dohodu nie s\u00fa pravideln\u00fdm pr\u00edjmom a\u00a0banky to ve\u013emi d\u00f4kladne posudzuj\u00fa. Hypotek\u00e1rny \u00faver m\u00f4\u017eete sk\u00f4r z\u00edska\u0165, ak m\u00e1te partnerku. Potom by sa posudzoval v\u00e1\u0161 spolo\u010dn\u00fd pr\u00edjem a\u00a0ke\u010f je dlhodob\u00fd, je to e\u0161te lep\u0161ie.\u00a0Pr\u00edjmy by mali by\u0165 tak\u00e9 vysok\u00e9, aby ste vedeli spl\u00e1ca\u0165 pravideln\u00fa mesa\u010dn\u00fa spl\u00e1tku za hypotek\u00e1rny \u00faver. Aj tak v\u0161ak mnoh\u00ed \u013eudia si musia bra\u0165 hypotek\u00e1rny \u00faver aj na tridsa\u0165 rokov. Vtedy je aj ni\u017e\u0161ia mesa\u010dn\u00e1 spl\u00e1tka hypotek\u00e1rneho \u00faveru. Av\u0161ak, aby ste z\u00edskali peniaze na v\u00e1\u0161 nov\u00fd vlastn\u00fd byt, mus\u00edte ma\u0165 aj nejak\u00e9 vlastn\u00e9 finan\u010dn\u00e9 prostriedky. M\u00e1te ich dostatok?                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00edskanie vlastn\u00e9ho b\u00fdvania","item":"https:\/\/www.dusko.sk\/ziskanie-vlastneho-byvania\/#breadcrumbitem"}]}]