[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ociz.cz\/jak-funguje-stavebni-sporeni\/#Article","mainEntityOfPage":"https:\/\/www.ociz.cz\/jak-funguje-stavebni-sporeni\/","headline":"Jak funguje stavebn\u00ed spo\u0159en\u00ed?","name":"Jak funguje stavebn\u00ed spo\u0159en\u00ed?","description":"V\u011bt\u0161inou je nejv\u011bt\u0161\u00ed probl\u00e9m u nov\u011b po\u0159izovan\u00e9ho bydlen\u00ed, a\u0165 u\u017e bytu \u010di domu, ot\u00e1zka financov\u00e1n\u00ed cel\u00e9ho projektu. Ka\u017ed\u00fd \u010dlov\u011bk se sna\u017e\u00ed naj\u00edt kompromis mezi sv\u00fdm snem a t\u00edm, co je re\u00e1ln\u00e9 si po\u0159\u00eddit, jak\u00e9 jsou finan\u010dn\u00ed situace na stran\u011b v\u00e1s potenci\u00e1ln\u011b va\u0161\u00ed rodiny, jak\u00e9 m\u00e1te po\u017eadavky a jak vysok\u00e1 je \u010d\u00e1stka, kterou jste ochotni investovat...

P\u0159e\u010d\u00edst “Jak funguje stavebn\u00ed spo\u0159en\u00ed?”<\/span> »<\/a><\/p>","datePublished":"2016-11-12","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.ociz.cz\/author\/#Person","name":"","url":"https:\/\/www.ociz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ociz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ociz.cz\/wp-content\/uploads\/img_a278619_w4457_t1602476695.jpg","url":"https:\/\/www.ociz.cz\/wp-content\/uploads\/img_a278619_w4457_t1602476695.jpg","height":0,"width":0},"url":"https:\/\/www.ociz.cz\/jak-funguje-stavebni-sporeni\/","about":["Pen\u00edze"],"wordCount":516,"articleBody":"V\u011bt\u0161inou je nejv\u011bt\u0161\u00ed probl\u00e9m u nov\u011b po\u0159izovan\u00e9ho bydlen\u00ed, a\u0165 u\u017e bytu \u010di domu, ot\u00e1zka financov\u00e1n\u00ed cel\u00e9ho projektu. Ka\u017ed\u00fd \u010dlov\u011bk se sna\u017e\u00ed naj\u00edt kompromis mezi sv\u00fdm snem a t\u00edm, co je re\u00e1ln\u00e9 si po\u0159\u00eddit, jak\u00e9 jsou finan\u010dn\u00ed situace na stran\u011b v\u00e1s potenci\u00e1ln\u011b va\u0161\u00ed rodiny, jak\u00e9 m\u00e1te po\u017eadavky a jak vysok\u00e1 je \u010d\u00e1stka, kterou jste ochotni investovat vy sami, p\u0159\u00edpadn\u011b zda se mus\u00edte uch\u00fdlit k hypot\u00e9\u010dn\u00edmu \u00fav\u011bru.Pokud jste se rozhodli, \u017ee je na\u010dase po\u0159\u00eddit si vlastn\u00ed bydlen\u00ed, nejsp\u00ed\u0161 m\u00e1te mnoho ot\u00e1zek. Jak je to se stavebn\u00edm spo\u0159en\u00edm? Jak dlouho mus\u00edm spo\u0159it, ne\u017e m\u016f\u017eu po\u017e\u00e1dat o \u00fav\u011br? Co je to mezi\u00fav\u011br stavebn\u00edho spo\u0159en\u00ed? Stavebn\u00ed spo\u0159en\u00ed Abyste mohli v bance po\u017e\u00e1dat o \u00fav\u011br, mus\u00edte nejd\u0159\u00edv n\u011bjakou dobu spo\u0159it, nej\u010dast\u011bji se jedn\u00e1 o rok nebo dva jako minim\u00e1ln\u00ed z\u00e1klad. Jak to vypad\u00e1 v praxi?–          Mezi\u00fav\u011brToto je stadium, kdy m\u00e1te na sebe veden\u00e9 ve skute\u010dnosti dva samostatn\u00e9 \u00fa\u010dty; jeden \u00fa\u010det spo\u0159ic\u00ed, kde n\u011bjak\u00fdm zp\u016fsobem po n\u011bjakou dobu pln\u00edte finan\u010dn\u00ed obnos k tomu, aby bylo mo\u017en\u00e9 z\u00edskat \u0159\u00e1dn\u00fd \u00fav\u011br. Finan\u010dn\u00ed \u010d\u00e1stka se zde z\u00faro\u010duje a samoz\u0159ejm\u011b m\u00e1te n\u00e1rok na p\u0159ips\u00e1n\u00ed st\u00e1tn\u00ed podpory, kter\u00e1 se pohybuje mezi dv\u011bma a\u017e t\u0159emi tis\u00edci korunami ro\u010dn\u011b, z\u00e1le\u017e\u00ed na tom, kdy jste si stavebn\u00ed spo\u0159en\u00ed zakl\u00e1dali. Druh\u00fd paraleln\u00ed \u00fa\u010det je potom ten, na n\u011bj\u017e se navy\u0161uj\u00ed mezi\u00fav\u011brov\u00e9 \u00faroky z \u00fav\u011bru, kter\u00fd pokr\u00fdv\u00e1 celou c\u00edlovou \u010d\u00e1stku spo\u0159ic\u00edho \u00fa\u010dtu. Eventu\u00e1ln\u011b druh\u00fd mezi\u00fav\u011brov\u00fd \u00fa\u010det zanikne t\u00edm, \u017ee se p\u0159evede na tzv. \u0159\u00e1dn\u00fd \u00fav\u011br. V realit\u011b to pak vypad\u00e1 tak, \u017ee se stavebn\u00ed spo\u0159en\u00ed skl\u00e1d\u00e1 ze dvou finan\u010dn\u00edch obnos\u016fo   Spo\u0159en\u00ed  – tedy to, co pos\u00edl\u00e1te na \u00fa\u010det vyo   \u00daroky – tedy to, co v\u00e1m p\u0159ipisuje spo\u0159itelna za to, \u017ee u nich m\u00e1te \u00fa\u010det a \u017ee s pen\u011bzi, kter\u00e9 tam spo\u0159\u00edte, m\u016f\u017ee \u00fa\u0159adovat. –          \u0158\u00e1dn\u00fd \u00fav\u011brToto je ji\u017e \u0159\u00e1dn\u00e9 spl\u00e1cen\u00e1 stejn\u011b jako u ka\u017ed\u00e9ho jin\u00e9ho \u00fav\u011bru. To, co jste do c\u00edlov\u00e9 \u010d\u00e1stky nedospo\u0159ili, to spl\u00e1c\u00edte spo\u0159iteln\u011b. Na \u0159\u00e1dn\u00fd \u00fav\u011br m\u00e1 n\u00e1rok pouze klient, kter\u00fd splnil v\u0161echny podm\u00ednky, je\u017e si spo\u0159itelna klade, tj. minim\u00e1ln\u00ed doba trv\u00e1n\u00ed spo\u0159en\u00ed, dohodnut\u00ed nejni\u017e\u0161\u00ed \u010d\u00e1stka z c\u00edlov\u00e9ho obnosu a ohodnocen\u00ed klientovy schopnosti spl\u00e1cet \u00fav\u011br. Zde u\u017e klientovi odpad\u00e1 mo\u017enost, \u017ee mu bude \u010derp\u00e1na st\u00e1tn\u00ed podpora. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak funguje stavebn\u00ed spo\u0159en\u00ed?","item":"https:\/\/www.ociz.cz\/jak-funguje-stavebni-sporeni\/#breadcrumbitem"}]}]