[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gryfmm.cz\/rekonstrukce-bytu\/#Article","mainEntityOfPage":"https:\/\/www.gryfmm.cz\/rekonstrukce-bytu\/","headline":"Rekonstrukce bytu","name":"Rekonstrukce bytu","description":"Koupili jste byt \u010di d\u016fm, kter\u00fd u\u017e m\u00e1 lep\u0161\u00ed \u010dasy za sebou? Rozs\u00e1hlej\u0161\u00ed rekonstrukci \u0159e\u0161\u00ed […]","datePublished":"2017-08-16","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.gryfmm.cz\/author\/#Person","name":"","url":"https:\/\/www.gryfmm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gryfmm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gryfmm.cz\/wp-content\/uploads\/img_a297703_w1682_t1508135625.jpg","url":"https:\/\/www.gryfmm.cz\/wp-content\/uploads\/img_a297703_w1682_t1508135625.jpg","height":0,"width":0},"url":"https:\/\/www.gryfmm.cz\/rekonstrukce-bytu\/","about":["Dom\u00e1cnost"],"wordCount":515,"articleBody":"Koupili jste byt \u010di d\u016fm, kter\u00fd u\u017e m\u00e1 lep\u0161\u00ed \u010dasy za sebou? Rozs\u00e1hlej\u0161\u00ed rekonstrukci \u0159e\u0161\u00ed hypot\u00e9kou \u010di \u00fav\u011brem t\u00e9m\u011b\u0159 ka\u017ed\u00e1 rodina. Banky se p\u0159edh\u00e1n\u011bj\u00ed s co  nejni\u017e\u0161\u00edmi \u00farokov\u00fdmi sazbami, tak je z \u010deho vyb\u00edrat. Je ale ur\u010dit\u011b dobr\u00e9 si zjistit co nejv\u00edce informac\u00ed. Na trhu je toho spousty a n\u011bkdy je t\u011b\u017ek\u00e9 se v tom zorientovat. Nejlep\u0161\u00edm \u0159e\u0161en\u00edm v tomto p\u0159\u00edpad\u011b je nechat si poradit od finan\u010dn\u00edho poradce, kter\u00fd zn\u00e1 nejaktu\u00e1ln\u011bj\u0161\u00ed novinky a m\u011bl by v\u00e1m um\u011bt poradit a doporu\u010dit co nejlep\u0161\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed financov\u00e1n\u00ed.Mo\u017enosti financov\u00e1n\u00ed rekonstrukceNej\u010dast\u011bj\u0161\u00edch mo\u017enost\u00ed, jak z\u00edskat pot\u0159ebn\u00fd obnos , je n\u011bkolik:1.      Hypot\u00e9ka –  Hypot\u00e9ka se nebere jen na  koupi bytu \u010di domu, ale touto cestou lze  financovat  i rekonstrukci nebo modernizaci va\u0161\u00ed nemovitosti, kterou budete ru\u010dit bance.  Banka bude po\u017eadovat rozpo\u010det stavebn\u00edch prac\u00ed a v p\u0159\u00edpad\u011b velmi rozs\u00e1hl\u00e9 p\u0159estavby bude nutn\u00e9 dolo\u017eit i ohl\u00e1\u0161ku \u010di stavebn\u00ed povolen\u00ed. Pokud budete rekonstruovat sv\u00e9pomoc\u00ed, sestav\u00edte si rozpo\u010det prac\u00ed sami nebo stavebn\u00ed firma, kterou jste si najali. Po dod\u00e1n\u00ed v\u0161ech pot\u0159ebn\u00fdch dokument\u016f a doklad\u016f si pod\u00e1te \u017e\u00e1dost o hypote\u010dn\u00ed \u00fav\u011br. Bude pot\u0159eba, aby znalec odhadl cenu va\u0161\u00ed nemovitosti. O to m\u016f\u017eete po\u017e\u00e1dat banku, u kter\u00e9 \u010derp\u00e1te finance pot\u0159ebn\u00e9 pro p\u0159estavbu. Na znaleck\u00fd odhad se \u010dek\u00e1 p\u0159ibli\u017en\u011b jeden t\u00fdden. D\u00e1le pro z\u00edsk\u00e1n\u00ed pot\u0159ebn\u00e9ho obnosu je poji\u0161t\u011bn\u00ed nemovitosti, kter\u00e1 bude d\u00e1na do z\u00e1stavy. To lze uzav\u0159\u00edt a\u017e potom, co je hypot\u00e9ka schv\u00e1lena, ale pen\u00edze dostanete a\u017e po dolo\u017een\u00ed v\u0161ech dokument\u016f o sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Nyn\u00ed m\u016f\u017eete za\u010d\u00edt s va\u0161\u00ed vysn\u011bnou rekonstrukc\u00ed. Po dobu p\u0159estavby bude doch\u00e1zet na stavbu znalec, kter\u00fd bude pr\u016fb\u011b\u017en\u011b odhadovat cenu nemovitosti a t\u00edm v\u00e1m bude moci banka postupn\u011b uvol\u0148ovat pen\u00edze z va\u0161\u00ed hypot\u00e9ky. 2.      \u00dav\u011br u stavebn\u00ed spo\u0159itelny – Dal\u0161\u00ed z mo\u017enost\u00ed, jak vylep\u0161it bydlen\u00ed, je \u010derp\u00e1n\u00ed \u00fav\u011bru u stavebn\u00ed spo\u0159itelny, kter\u00e9ho \u010ce\u0161i hojn\u011b vyu\u017e\u00edvaj\u00ed. Kombinace n\u00edzk\u00fdch \u00farok\u016f okolo 4% a nemuset d\u00e1vat nemovitost do z\u00e1stavy je velmi \u017e\u00e1dan\u00e1. 3.      Spot\u0159ebitelsk\u00fd \u00fav\u011br – Na zrenovov\u00e1n\u00ed bytu \u010di domu lid\u00e9 tak\u00e9 vol\u00ed spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd nab\u00edzej\u00ed banky i nebankovn\u00ed poskytovatel\u00e9. \u00dav\u011br dostanete hned, ale nejd\u0159\u00edve si zjist\u011bte, kolik za n\u011bj v kone\u010dn\u00e9m d\u016fsledku zaplat\u00edte. Spot\u0159ebitelsk\u00e9 \u00fav\u011bry neb\u00fdvaj\u00ed tak v\u00fdhodn\u00e9 jako \u00fav\u011bry ze stavebn\u00ed spo\u0159itelny nebo hypote\u010dn\u00ed \u00fav\u011bry.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rekonstrukce bytu","item":"https:\/\/www.gryfmm.cz\/rekonstrukce-bytu\/#breadcrumbitem"}]}]