[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sonix.sk\/prenajom-ci-kupa-bytu\/#Article","mainEntityOfPage":"https:\/\/www.sonix.sk\/prenajom-ci-kupa-bytu\/","headline":"Pren\u00e1jom, \u010di k\u00fapa bytu?","name":"Pren\u00e1jom, \u010di k\u00fapa bytu?","description":"Chcete sa osamostatni\u0165? Ako prv\u00e9 sa ur\u010dite mus\u00edte rozhodn\u00fa\u0165, \u010di budete nehnute\u013enos\u0165 kupova\u0165 alebo si na nejak\u00fa dobu zo\u017eeniete podn\u00e1jom. Samotn\u00e1 k\u00fapapre mlad\u00e9ho \u010dloveka nie je jednoduch\u00e1. Najm\u00e4 ak ste s\u00e1m a\u00a0nechcete u\u017e b\u00fdva\u0165 s\u00a0rodi\u010dmi, \u010di s\u00a0kamar\u00e1tmi ako na intern\u00e1te. Ke\u010f v\u0161ak nem\u00e1te vlastn\u00e9 prostriedky na uskuto\u010dnenie n\u00e1kupu, mus\u00edte sa obr\u00e1ti\u0165 na finan\u010dn\u00e9 in\u0161tit\u00facie s\u00a0hypotek\u00e1rnymi […]","datePublished":"2019-07-01","dateModified":"2019-07-01","author":{"@type":"Person","@id":"https:\/\/www.sonix.sk\/author\/#Person","name":"","url":"https:\/\/www.sonix.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sonix.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sonix.sk\/wp-content\/uploads\/img_a304673_w16629_t1565886369.jpg","url":"https:\/\/www.sonix.sk\/wp-content\/uploads\/img_a304673_w16629_t1565886369.jpg","height":0,"width":0},"url":"https:\/\/www.sonix.sk\/prenajom-ci-kupa-bytu\/","wordCount":551,"articleBody":"Chcete sa osamostatni\u0165? Ako prv\u00e9 sa ur\u010dite mus\u00edte rozhodn\u00fa\u0165, \u010di budete nehnute\u013enos\u0165 kupova\u0165 alebo si na nejak\u00fa dobu zo\u017eeniete podn\u00e1jom.Samotn\u00e1 k\u00fapapre mlad\u00e9ho \u010dloveka nie je jednoduch\u00e1. Najm\u00e4 ak ste s\u00e1m a\u00a0nechcete u\u017e b\u00fdva\u0165 s\u00a0rodi\u010dmi, \u010di s\u00a0kamar\u00e1tmi ako na intern\u00e1te. Ke\u010f v\u0161ak nem\u00e1te vlastn\u00e9 prostriedky na uskuto\u010dnenie n\u00e1kupu, mus\u00edte sa obr\u00e1ti\u0165 na finan\u010dn\u00e9 in\u0161tit\u00facie s\u00a0hypotek\u00e1rnymi produktmi. Okrem ve\u013ek\u00e9ho mno\u017estva papierov bude banka potrebova\u0165 aj nejak\u00e9 z\u00e1ruky. Ru\u010di\u0165 budete svoj\u00edm n\u00e1sledne nadobudnut\u00fdm majetkom, ale k\u00fdm sa tak stane, banka mus\u00ed us\u00fadi\u0165, \u017ee ste pre \u0148u vhodn\u00fd klient. Bankov\u00e1 in\u0161tit\u00facia bude od v\u00e1s po\u017eadova\u0165, aby ste predlo\u017eili doklad o\u00a0trvalom zamestnan\u00ed s\u00a0v\u00fd\u0161kou platu. Na z\u00e1klade tejto inform\u00e1cie bude vedie\u0165 pos\u00fadi\u0165, \u010di bude z\u00a0va\u0161ej strany mo\u017en\u00e9 spl\u00e1ca\u0165 navrhnut\u00fa v\u00fd\u0161ku spl\u00e1tky hypot\u00e9ky a\u00a0\u010di pre to bude predpoklad z\u00a0dlhodob\u00e9ho h\u013eadiska. To v\u0161ak nie je v\u0161etko. Pln\u00fa sumu v\u00e1m zrejme nikto ned\u00e1 alebo za \u0148u zaplat\u00edte nev\u00fdhodnej\u0161\u00edmi podmienkami. Bud\u00fa po\u017eadova\u0165, aby ste i\u00a0vy vlo\u017eili ist\u00fa \u010diastku financi\u00ed do tejto invest\u00edcie. Ka\u017ed\u00e1 in\u0161tit\u00facia m\u00e1 rozdielne stanoven\u00e9, ak\u00e9 percento z\u00a0hodnoty nadob\u00fadanej nehnute\u013enosti by to malo by\u0165. Banku v\u0161ak nebude zauj\u00edma\u0165 len k\u00fapna cena, ale aj hodnota, ktorou ju ohodnot\u00ed privolan\u00fd znalec. Ten n\u00e1sledne vypracuje znaleck\u00fd posudok, ktor\u00fd je dolo\u017een\u00fd k\u00a0\u017eiadosti o\u00a0hypot\u00e9ku.Pre v\u0161etky tieto n\u00e1le\u017eitosti s\u00fa mnoh\u00ed n\u00faten\u00ed zvoli\u0165 si na za\u010diatok podn\u00e1jom. Kde s\u00fa u\u017e viac menej bez starost\u00ed. Ak ste e\u0161te aj \u010derstvo po \u0161t\u00fadiu, tak si m\u00f4\u017eete pred\u013a\u017ei\u0165 \u201e\u0161tudentsk\u00fd intern\u00e1tny \u017eivot\u201c a\u00a0n\u00e1js\u0165 si podn\u00e1jom spolu so spolu\u017eiakmi a\u00a0kamar\u00e1tmi. U\u017e bez ve\u010dern\u00e9ho plnenia dom\u00e1cich \u00faloh. Ak sa u\u017e aj pozn\u00e1te z\u00a0intern\u00e1tnych izieb, tak viete pos\u00fadi\u0165, ak\u00e9 m\u00e1 kto dom\u00e1ce zvyky a\u00a0ritu\u00e1ly a\u00a0ak\u00e9 bude va\u0161e \u010fal\u0161ie spoluna\u017e\u00edvanie na byte. Predsa len spolub\u00fdvanie potrebuje aj ist\u00fa d\u00e1vku tolerantnosti, ale tak to plat\u00ed aj o\u00a0\u017eit\u00ed doma v\u00a0rodin\u00e1ch. V\u00fdhodou b\u00fdvania v\u00a0byte je i lep\u0161ia flexibilita. Predsa len \u010derstvo vy\u0161tudovan\u00fd \u010dlovek nem\u00e1 e\u0161te st\u00e1le zamestnanie, na trhu pr\u00e1ce sa st\u00e1le h\u013ead\u00e1 a\u00a0jeho trval\u00e9 bydlisko sa s\u00a0ponukou pr\u00e1ce, \u010di man\u017eelstva m\u00f4\u017ee v\u00a0priebehu p\u00e1r mesiacov zmeni\u0165. B\u00fdvanie v\u00a0podn\u00e1jme v\u00e1m tie\u017e umo\u017e\u0148uje b\u00fdva\u0165 v\u00a0lokalit\u00e1ch, ktor\u00fdch ceny bytov s\u00fa pre be\u017en\u00e9ho smrte\u013en\u00edka nedostupn\u00e9.A \u010dasom, ke\u010f si na\u0161etr\u00edte dostatok financi\u00ed na vstupn\u00fd kapit\u00e1l, m\u00f4\u017eete sa za\u010da\u0165 obhliada\u0165 po nie\u010dom svojom. Predsa len mesa\u010dn\u00e9 spl\u00e1tky na b\u00fdvanie nemus\u00edte viac d\u00e1va\u0165 prenaj\u00edmate\u013eovi bytu, ale mo\u017eno o\u00a0nie\u010do m\u00e1lo vy\u0161\u0161iu \u010diastku rovno do svojho vlastn\u00e9ho b\u00fdvania. A\u00a0tak s\u00fa peniaze ur\u010den\u00e9 na b\u00fdvanie, z\u00e1rove\u0148 invest\u00edciu do vlastnej nehnute\u013enosti.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pren\u00e1jom, \u010di k\u00fapa bytu?","item":"https:\/\/www.sonix.sk\/prenajom-ci-kupa-bytu\/#breadcrumbitem"}]}]