[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.netzona.cz\/hypoteka-na-novostavbu-rodinneho-domu-je-schudna-cesta-k-vlastnimu-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.netzona.cz\/hypoteka-na-novostavbu-rodinneho-domu-je-schudna-cesta-k-vlastnimu-bydleni\/","headline":"Hypot\u00e9ka na novostavbu rodinn\u00e9ho domu je sch\u016fdn\u00e1 cesta k vlastn\u00edmu bydlen\u00ed","name":"Hypot\u00e9ka na novostavbu rodinn\u00e9ho domu je sch\u016fdn\u00e1 cesta k vlastn\u00edmu bydlen\u00ed","description":"Stalo se v\u00e1m n\u011bkdy, \u017ee jste to v n\u011bkter\u00fdch sv\u00fdch \u017eivotn\u00edch momentech tak zpackali, \u017ee byste nejrad\u011bji vr\u00e1tili \u010das a…","datePublished":"2026-08-15","dateModified":"2026-08-15","author":{"@type":"Person","@id":"https:\/\/www.netzona.cz\/author\/#Person","name":"netzona.cz\n","url":"https:\/\/www.netzona.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"netzona.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.netzona.cz\/wp-content\/uploads\/pexels-a-darmel-7641859_1.jpg","url":"https:\/\/www.netzona.cz\/wp-content\/uploads\/pexels-a-darmel-7641859_1.jpg","height":0,"width":0},"url":"https:\/\/www.netzona.cz\/hypoteka-na-novostavbu-rodinneho-domu-je-schudna-cesta-k-vlastnimu-bydleni\/","about":["Produkty"],"wordCount":459,"articleBody":"   Stalo se v\u00e1m n\u011bkdy, \u017ee jste to v n\u011bkter\u00fdch sv\u00fdch \u017eivotn\u00edch momentech tak zpackali, \u017ee byste nejrad\u011bji vr\u00e1tili \u010das a pro\u017eili cel\u00e9 to obdob\u00ed znovu, l\u00e9pe a \u00fapln\u011b jinak? St\u00e1v\u00e1 se to, kdy\u017e nenaslouch\u00e1te sv\u00e9 intuici, ale naopak n\u011bjak\u00fdm hloup\u00fdm dogmat\u016fm nebo dokonce r\u016fzn\u00fdm form\u00e1m strachu. J\u00e1 si t\u011bch \u0161patn\u00fdch rozhodnut\u00ed u\u017eil tolik, \u017ee by to bylo na rom\u00e1n. T\u00edm v\u00e1s nehodl\u00e1m obt\u011b\u017eovat, ale p\u0159ece jen bych se zm\u00ednil o jedn\u00e9 d\u016fle\u017eit\u00e9 v\u011bci. \u0158i\u010fte se pravidlem: \u201eD\u016fv\u011b\u0159uj, ale prov\u011b\u0159uj\u201c. J\u00e1 d\u016fv\u011b\u0159oval jedn\u00e9 osob\u011b a ta m\u011b podvedla a na svou naivitu jsem draze doplatil. Souviselo to s \u00fav\u011brem na bydlen\u00ed a kdybych v\u010das prohl\u00e9dl sobectv\u00ed toho \u010dlov\u011bka, nam\u00edsto sv\u00e9ho \u0161patn\u00e9ho rozhodnut\u00ed ohledn\u011b bydlen\u00ed bych si ve sv\u00fdch p\u011btadvaceti letech vzal hypot\u00e9ku na novostavbu rodinn\u00e9ho domu a t\u00e9to osob\u011b bych se t\u00edm zcela vyhnul.M\u00e1m v\u00fdhodu v tom, \u017ee bych v\u011bt\u0161inu stavebn\u00edch prac\u00ed zvl\u00e1dl s\u00e1m, jen s pomoc\u00ed n\u011bkolika \u0159emesln\u00edk\u016f, tak\u017ee bych je\u0161t\u011b u\u0161et\u0159il a hlavn\u011b m\u011bl sv\u016fj vlastn\u00ed rodinn\u00fd d\u016fm. Kl\u00ed\u010dov\u00e9 slovo je: \u201enez\u00e1vislost\u201c, a i kdy\u017e bych byl z\u00e1visl\u00fd na spl\u00e1tk\u00e1ch hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f https:\/\/nebankovni-hypoteky-cz.cz\/nebankovni-hypoteka, samotn\u00e9 spl\u00e1tky bych prov\u00e1d\u011bl z pozice nez\u00e1vislosti a nem\u011bl by b\u00fdt probl\u00e9m hypot\u00e9ku uhradit v pln\u00e9 v\u00fd\u0161i. D\u016fle\u017eit\u00e9 je m\u00edt sjednan\u00e9 poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet, kdyby se v\u00e1m p\u0159ihodil n\u011bjak\u00fd \u00faraz nebo dlouhodob\u00e1 nemoc.Rozhodn\u011b bych se vyhnul dal\u0161\u00edmu myln\u00e9mu rozhodnut\u00ed, a t\u00edm je n\u00e1jemn\u00ed bydlen\u00ed. To rad\u011bji sp\u00e1t t\u0159eba na staveni\u0161ti v novostavb\u011b cel\u00fd m\u011bs\u00edc ve stanu, ale s v\u011bdom\u00edm, \u017ee sp\u00edm na sv\u00e9m vlastn\u00edm pozemku.Bydlen\u00ed ve vlastn\u00edch rodinn\u00fdch domech nen\u00ed v \u010cesk\u00e9 republice nic v\u00fdjime\u010dn\u00e9ho. Tento trend je v na\u0161\u00ed zemi za\u017eit\u00fd ji\u017e mnoho let a prokazuje to tak\u00e9 velk\u00fd z\u00e1jem o hypote\u010dn\u00ed \u00fav\u011bry, jimi\u017e je financov\u00e1n\u00ed vlastn\u00edch nemovitost\u00ed zaji\u0161\u0165ov\u00e1no. U n\u00e1s bydl\u00ed v n\u00e1jmu jen p\u0159ibli\u017en\u011b dvacet procent lid\u00ed a to jasn\u011b prokazuje, jakou cestou se \u010ce\u0161i cht\u011bj\u00ed ub\u00edrat. Cestou vlastn\u00edho bydlen\u00ed v rodinn\u00fdch domech, bytech v bytov\u00fdch domech a p\u0159\u00edpadn\u011b i v rekrea\u010dn\u00edch chat\u00e1ch pro celoro\u010dn\u00ed bydlen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka na novostavbu rodinn\u00e9ho domu je sch\u016fdn\u00e1 cesta k vlastn\u00edmu bydlen\u00ed","item":"https:\/\/www.netzona.cz\/hypoteka-na-novostavbu-rodinneho-domu-je-schudna-cesta-k-vlastnimu-bydleni\/#breadcrumbitem"}]}]