[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sunberg.cz\/chcete-se-stehovat-co-takhle-druzstevni-byt\/#Article","mainEntityOfPage":"https:\/\/www.sunberg.cz\/chcete-se-stehovat-co-takhle-druzstevni-byt\/","headline":"Chcete se st\u011bhovat ? co takhle dru\u017estevn\u00ed byt","name":"Chcete se st\u011bhovat ? co takhle dru\u017estevn\u00ed byt","description":"Chcete si po\u0159\u00eddit dru\u017estevn\u00ed byt ale nem\u00e1te u sebe dostatek financ\u00ed ? m\u016f\u017eete zkusit hypot\u00e9ku ur\u010denou na koupi dru\u017estevn\u00edho bytu v dne\u0161n\u00edm \u010dl\u00e1nku si probereme jak\u00e9 jsou podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky, jak\u00e9 jsou pr\u00e1va a co se stane kdy\u017e je poru\u0161\u00edte, a jak dru\u017estevn\u00ed byt v\u016fbec m\u016f\u017eete z\u00edskat. Z\u00edskan\u00ed dru\u017estevn\u00edho bytu P\u0159i po\u0159izov\u00e1n\u00ed dru\u017estevn\u00edho bytu mus\u00edte myslet hlavn\u011b na to \u017ee i kdy\u017e budete v dru\u017estvu. Dru\u017estevn\u00ed byt nikdy nebude
\u010c\u00edst d\u00e1le<\/a><\/div>","datePublished":"2022-02-28","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.sunberg.cz\/author\/#Person","name":"","url":"https:\/\/www.sunberg.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sunberg.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sunberg.cz\/wp-content\/uploads\/Obrazek-na-clanek-Druzstevni-byt-Photoshop.jpg","url":"https:\/\/www.sunberg.cz\/wp-content\/uploads\/Obrazek-na-clanek-Druzstevni-byt-Photoshop.jpg","height":0,"width":0},"url":"https:\/\/www.sunberg.cz\/chcete-se-stehovat-co-takhle-druzstevni-byt\/","about":["Ekonomika"],"wordCount":481,"articleBody":" Chcete si po\u0159\u00eddit dru\u017estevn\u00ed byt ale nem\u00e1te u sebe dostatek financ\u00ed ? m\u016f\u017eete zkusit hypot\u00e9ku ur\u010denou na koupi dru\u017estevn\u00edho bytu v dne\u0161n\u00edm \u010dl\u00e1nku si probereme jak\u00e9 jsou podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky, jak\u00e9 jsou pr\u00e1va a co se stane kdy\u017e je poru\u0161\u00edte, a jak dru\u017estevn\u00ed byt v\u016fbec m\u016f\u017eete z\u00edskat. Z\u00edskan\u00ed dru\u017estevn\u00edho bytu P\u0159i po\u0159izov\u00e1n\u00ed dru\u017estevn\u00edho bytu mus\u00edte myslet hlavn\u011b na to \u017ee i kdy\u017e budete v dru\u017estvu. Dru\u017estevn\u00ed byt nikdy nebude ve va\u0161em vlastnictv\u00ed a tud\u00ed\u017e budete v n\u00e1jmu. Pokud se v\u0161ak chcete dostat do dru\u017estva a z\u00edskat t\u00edm n\u00e1jem (byt) mus\u00edte slo\u017eit tzv. vklad, tento vklad skl\u00e1d\u00e1te bu\u010f vy nebo v\u00e1\u0161 p\u0159edch\u016fdce (neboli p\u0159edchoz\u00ed n\u00e1jemce bytu) P\u0159i z\u00edsk\u00e1n\u00ed dru\u017estevn\u00edho bytu m\u00e1te jednu velkou v\u00fdhodu a to tu \u017ee nebudete muset platit tzv. da\u0148 z nabyt\u00ed, ale je mo\u017en\u00e9 \u017ee nez\u00edsk\u00e1te pot\u0159ebnou hypot\u00e9ku. v\u017edy v\u0161ak z\u00e1le\u017e\u00ed u kter\u00e9 banky o hypot\u00e9ku po\u017e\u00e1d\u00e1te, m\u016f\u017eete narazit na banky kter\u00e9 v\u00e1m ji nedaj\u00ed ale naopak i na ty kter\u00e9 nemaj\u00ed probl\u00e9m s t\u00edm financovat dru\u017estevn\u00ed byt.Pokud v\u00e1s vylou\u010d\u00ed z dru\u017estva, automaticky o dru\u017estevn\u00ed byt p\u0159ijdetePodm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky V p\u0159\u00edpad\u011b \u017ee byste cht\u011bli z\u00edskat hypot\u00e9ku na dru\u017estevn\u00ed byt, mus\u00edte si dru\u017estevn\u00ed byt nejd\u0159\u00edve p\u0159epsat do tzv. osobn\u00edho vlastnictv\u00ed. Jednou z mo\u017enost\u00ed jak hypot\u00e9ku z\u00edskat je tedy p\u0159eps\u00e1n\u00ed bytu Pokud byste v\u0161ak necht\u011bly p\u0159epsat byt do osobn\u00edho vlastnictv\u00ed, m\u016f\u017eete danou hypot\u00e9ku z\u00edskat tak \u017ee d\u00e1te do z\u00e1stavy jinou nemovitost. Bance mus\u00edte p\u0159edlo\u017eit tyto dokumenty : N\u00e1jemn\u00ed smlouvu, Smlouvu o p\u0159evodu, nab\u00fdvac\u00ed titul, v p\u0159\u00edpad\u011b \u017ee d\u00e1te do z\u00e1stavy nemovitost tak je pot\u0159ebn\u00fd i list vlastnictv\u00ed, Sn\u00edmek z mapy katastru, Samoz\u0159ejm\u011b \u017e\u00e1dost o \u00fav\u011br a dokumenty kter\u00fdmi si ov\u011b\u0159\u00ed va\u0161i bonitu. Pr\u00e1va a poru\u0161en\u00ed D\u00edky vlastnick\u00e9mu pod\u00edlu m\u016f\u017eete byt vyu\u017e\u00edvat, v p\u0159\u00edpad\u011b rekonstrukce budete pot\u0159ebovat souhlas bytov\u00e9ho dru\u017estva, pokud byste rekonstruovali bez povolen\u00ed m\u016f\u017eete b\u00fdt vylou\u010den a vyhozen. T\u00edm p\u00e1dem automaticky p\u0159ijdete o dan\u00fd pod\u00edl.Pot\u0159ebn\u00e9 dokumenty tedy jsou : N\u00e1jemn\u00ed smlouva, Smlouva o p\u0159evodu, nab\u00fdvac\u00ed titul, v p\u0159\u00edpad\u011b z\u00e1stavy tak\u00e9 list vlastnictv\u00ed, sn\u00edmek z mapy katastru (tedy poloha a vzhled bytu), \u017e\u00e1dost o samotn\u00fd \u00fav\u011br \u010di hypot\u00e9ku na dru\u017estevn\u00ed byt. 3.6\/5 - (5 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete se st\u011bhovat ? co takhle dru\u017estevn\u00ed byt","item":"https:\/\/www.sunberg.cz\/chcete-se-stehovat-co-takhle-druzstevni-byt\/#breadcrumbitem"}]}]