{"id":7599,"date":"2020-07-16T07:02:32","date_gmt":"2020-07-16T05:02:32","guid":{"rendered":"https:\/\/www.wachal.cz\/vyplati-se-jeste-v-dnesni-dobe-stavebko\/"},"modified":"2020-07-16T07:02:32","modified_gmt":"2020-07-16T05:02:32","slug":"vyplati-se-jeste-v-dnesni-dobe-stavebko","status":"publish","type":"post","link":"https:\/\/www.wachal.cz\/en\/vyplati-se-jeste-v-dnesni-dobe-stavebko\/","title":{"rendered":"Vyplat\u00ed se je\u0161t\u011b v dne\u0161n\u00ed dob\u011b \u201estavebko\u201c?"},"content":{"rendered":"

Nab\u00eddky spo\u0159itelen se na prvn\u00ed pohled li\u0161\u00ed jen naprost\u00fdmi drobnostmi. V jedn\u00e9 je ni\u017e\u0161\u00ed \u00farokov\u00e1 sazba z vklad\u016f, ale zato vy\u0161\u0161\u00ed \u00farok z p\u0159\u00edpadn\u00e9ho \u00fav\u011bru, jin\u00e1 v\u00e1m \u00fa\u010dtuje vy\u0161\u0161\u00ed poplatek za veden\u00ed \u00fa\u010dtu, ale zase v\u00e1m d\u00e1 bonus p\u0159i pravideln\u00e9m placen\u00ed. V t\u011bch r\u016fzn\u00fdch bonusech a podm\u00ednk\u00e1ch aby se \u010dert vyznal; vyb\u00edr\u00e1n\u00edm stavebn\u00edho spo\u0159en\u00ed m\u016f\u017eete str\u00e1vit hodiny a hodiny, ale na konci stejn\u011b dostanete plus minus stejn\u011b. Ot\u00e1zka tedy nezn\u00ed, komu sv\u00e9 pen\u00edze sv\u011b\u0159it, ale zda to v\u016fbec je\u0161t\u011b m\u00e1 cenu d\u011blat?<\/b><\/span><\/p>\n

Odpov\u011b\u010f je ano, ale…<\/b><\/h2>\n

S odpov\u011bd\u00ed nem\u00e1 cenu ot\u00e1let. Stavebn\u00ed spo\u0159en\u00ed se oproti b\u011b\u017en\u00e9mu spo\u0159ic\u00edmu \u00fa\u010dtu po\u0159\u00e1d vyplat\u00ed. Za posledn\u00ed rok toti\u017e na spo\u0159ic\u00edch \u00fa\u010dtech i term\u00ednovan\u00fdch vkladech klesly \u00faroky o v\u00edce ne\u017e polovinu. Pokud nechcete m\u00edt sv\u016fj spo\u0159ic\u00ed \u00fa\u010det spojen\u00fd s investi\u010dn\u00edm, tak na 1 % dos\u00e1hnete jen v\u00fdjime\u010dn\u011b.<\/span><\/p>\n

I stavebn\u00ed spo\u0159en\u00ed se v z\u00e1kladu jen st\u011b\u017e\u00ed p\u0159ehoupne p\u0159es ten jeden uboh\u00fd procentn\u00ed bod. Nav\u00edc se v\u011bt\u0161inou mus\u00edte p\u0159ipravit na vstupn\u00ed <\/span>poplatek 1 % z c\u00edlov\u00e9 \u010d\u00e1stky<\/b> a tak\u00e9 <\/span>plat\u00edte za veden\u00ed \u00fa\u010dtu<\/b>. By\u0165 je to jen p\u00e1r stovek ro\u010dn\u011b, za t\u011bch \u0161est let (co\u017e je minim\u00e1ln\u00ed <\/span>v\u00e1zac\u00ed lh\u016fta<\/b>, b\u011bhem n\u00ed\u017e na pen\u00edze nesm\u00edte s\u00e1hnout) to dohromady d\u011bl\u00e1 n\u011bkolik tis\u00edc.<\/span><\/p>\n

P\u0159i \u0161estilet\u00e9m z\u00e1vazku k \u00faroku ale mus\u00edme p\u0159i\u010d\u00edst je\u0161t\u011b st\u00e1le p\u0159\u00edjemn\u00fd <\/span>st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek 10 % <\/b>z ro\u010dn\u00ed naspo\u0159en\u00e9 \u010d\u00e1stky, d\u00edky n\u011bmu\u017e stavebn\u00ed spo\u0159en\u00ed dok\u00e1\u017ee jako jedin\u00e9 <\/span>p\u0159ekonat inflaci<\/b>. Bohu\u017eel je \u201ezastropovan\u00fd\u201c na 2 000 K\u010d ro\u010dn\u011b. Zlat\u00e1 \u00e9ra \u201estavebka\u201c devades\u00e1t\u00fdch let, kdy st\u00e1t p\u0159isp\u00edval v\u00edce ne\u017e dvakr\u00e1t tolik, je zkr\u00e1tka u\u017e jen nostalgickou vzpom\u00ednkou.<\/span><\/p>\n

Ani ti \u0161\u0165astlivci, kte\u0159\u00ed si je stihli sjednat kdysi za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek, nemaj\u00ed vyhr\u00e1no. Stavebn\u00ed spo\u0159itelny si toti\u017e ve sv\u00fdch smluvn\u00edch podm\u00ednk\u00e1ch nech\u00e1vaj\u00ed skulinku, je\u017e jim pro n\u011b nev\u00fdhodn\u00e9 smlouvy s vy\u0161\u0161\u00edm zhodnocen\u00edm umo\u017e\u0148uje za ur\u010dit\u00fdch podm\u00ednek vypov\u011bd\u011bt.<\/span><\/p>\n

A nakonec jako dost omezuj\u00edc\u00ed se ukazuje i <\/span>\u00fa\u010del spo\u0159en\u00ed<\/b>. Jak u\u017e samotn\u00fd n\u00e1zev napov\u00edd\u00e1, pen\u00edze se zavazujete vyu\u017e\u00edt pro<\/span> stavbu, rekonstrukci \u010di po\u0159\u00edzen\u00ed nemovitosti. Kdo ale s jistotou v\u00ed, co bude za \u0161est let?<\/span><\/p>\n

Se\u010dteno a podtr\u017eeno: V\u00fdhody stavebn\u00edho spo\u0159en\u00ed<\/b><\/h2>\n

A te\u010f kone\u010dn\u011b k t\u011bm v\u00fdhod\u00e1m. Krom ji\u017e zm\u00edn\u011bn\u00e9 v\u00fd\u0161e \u00faroku, ji\u017e st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek dr\u017e\u00ed nad ne\u00faprosnou hladinou inflace, je stavebn\u00ed spo\u0159en\u00ed asi nejbezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob jak sv\u00e9 pen\u00edze zhodnotit. Je to d\u00edky tomu, \u017ee v\u00e1m spo\u0159itelna <\/span>garantuje smluven\u00fd \u00farok<\/b> po celou dobu spo\u0159en\u00ed. Va\u0161e pen\u00edze jsou tak\u00e9 <\/span>ze z\u00e1kona poji\u0161t\u011bny<\/b>, tak\u017ee m\u00e1te jistotu, \u017ee o n\u011b nep\u0159ijdete, ani kdyby spo\u0159itelna n\u00e1hodou zkrachovala.<\/span><\/p>\n

Velk\u00fdm l\u00e1kadlem je mo\u017enost z\u00edskat velmi <\/span>v\u00fdhodnou p\u016fj\u010dku<\/b>, u n\u00ed\u017e jsou spo\u0159itelny v\u011bt\u0161inou ochotn\u00e9 p\u0159imhou\u0159it oko i nad m\u00e9n\u011b solventn\u00edmi klienty. Vzhledem k <\/span>situaci na trhu s nemovitostmi<\/span><\/a>, kdy na bydlen\u00ed pot\u0159ebujete st\u00e1le v\u011bt\u0161\u00ed \u00faspory, je to pro mnoh\u00e9 ten nejlep\u0161\u00ed zp\u016fsob, jak z\u00edskat pot\u0159ebn\u00fd kapit\u00e1l. Nemus\u00edte dokl\u00e1dat p\u0159\u00edjem ani ru\u010dit nemovitost\u00ed, \u00fav\u011br m\u016f\u017eete splatit p\u0159ed\u010dasn\u011b a bez sankce a \u00farokovou sazbu m\u00e1te garantovanou.<\/span><\/p>\n

O <\/span>p\u0159eklenovac\u00ed \u00fav\u011br<\/b> lze po\u017e\u00e1dat kdykoliv b\u011bhem spo\u0159en\u00ed, ne\u017e v\u00e1m vznikne n\u00e1rok na \u00fav\u011br \u0159\u00e1dn\u00fd. Spo\u0159itelna v\u00e1m p\u016fj\u010d\u00ed c\u00edlovou \u010d\u00e1stku (bohu\u017eel s pon\u011bkud vy\u0161\u0161\u00edm \u00farokem), dokud z n\u00ed nenaspo\u0159\u00edte po\u017eadovan\u00e1 procenta. Pak v\u00e1m poskytne <\/span>\u0159\u00e1dn\u00fd \u00fav\u011br<\/b> (zde u\u017e jsou \u00faroky ni\u017e\u0161\u00ed), s jeho\u017e pomoc\u00ed splat\u00edte ten p\u0159eklenovac\u00ed.<\/span><\/p>\n

Stavebn\u00ed spo\u0159en\u00ed v\u00e1m poslou\u017e\u00ed i jako dobr\u00fd z\u00e1klad na <\/span>hypot\u00e9ku<\/b>, z n\u00ed\u017e se v sou\u010dasnosti st\u00e1v\u00e1 t\u00e9m\u011b\u0159 nedostupn\u00fd luxus. Banky v\u00e1m toti\u017e p\u016fj\u010d\u00ed maxim\u00e1ln\u011b 80 % z hodnoty nemovitosti, zbytek si mus\u00edte obstarat sami. Aspo\u0148 \u017ee<\/span> zru\u0161en\u00ed 4% dan\u011b z nabyt\u00ed nemovitosti<\/span><\/a> je na dobr\u00e9 cest\u011b.<\/span><\/p>\n

\"B\u00edl\u00fd<\/p>\n

Vyplat\u00ed se v\u00e1m z\u0159izovat si stavebn\u00ed spo\u0159en\u00ed? Z\u00e1le\u017e\u00ed na tom, co od n\u011bj o\u010dek\u00e1v\u00e1te.<\/span><\/em><\/p>\n

P\u00e1r tip\u016f, jak na vyzr\u00e1t nad spo\u0159itelnou<\/b><\/h2>\n

Stavebn\u00ed spo\u0159en\u00ed st\u00e1le je\u0161t\u011b p\u0159edstavuje dobr\u00fd zp\u016fsob, jak si n\u011bco m\u00e1lo na\u0161et\u0159it pro budouc\u00ed bydlen\u00ed. Je ale dobr\u00e9 v tom trochu \u201eum\u011bt chodit\u201c. Proto jsme si pro v\u00e1s p\u0159ipravili p\u00e1r tip\u016f, co d\u011blat a co naopak ned\u011blat, kdy\u017e se je rozhodnete uzav\u0159\u00edt.<\/span><\/p>\n

Vychytejte prav\u00fd \u010das<\/b><\/h3>\n

Pokud je <\/span>uzav\u0159ete na konci roku<\/b>, z\u00edsk\u00e1te st\u00e1tn\u00ed podporu za cel\u00fd rok, a kdy\u017e \u0161estilet\u00e9 spo\u0159en\u00ed <\/span>ukon\u010d\u00edte na za\u010d\u00e1tku sedm\u00e9ho roku<\/b>, z\u00edsk\u00e1te i za n\u011bj st\u00e1tn\u00ed podporu.<\/span><\/p>\n

Po\u010d\u00edtejte s t\u00edm, \u017ee po v\u00fdpov\u011bdi smlouvy <\/span>pen\u00edze nedostanete hned<\/b>. Spo\u0159itelny toti\u017e maj\u00ed ve smlouv\u011b uvedenou b\u011b\u017enou t\u0159\u00edm\u011bs\u00ed\u010dn\u00ed v\u00fdpov\u011bdn\u00ed lh\u016ftu.<\/span><\/p>\n

Stanovte si st\u0159\u00edzliv\u00fd c\u00edl<\/b><\/h3>\n

P\u0159i uzav\u0159en\u00ed smlouvy si mus\u00edte stanovit c\u00edlovou \u010d\u00e1stku. Nem\u011bjte velk\u00e9 o\u010di, kdykoliv ji m\u016f\u017eete zv\u00fd\u0161it. Stavebn\u00ed spo\u0159en\u00ed je ale i tak <\/span>nejlep\u0161\u00ed vybrat p\u0159esn\u011b za \u0161est let<\/b>. Pot\u00e9 jeho v\u00fdhodnost za\u010d\u00edn\u00e1 klesat. A vzhledem k tomu, \u017ee maxim\u00e1ln\u00ed v\u00fd\u0161e st\u00e1tn\u00ed podpory \u010din\u00ed 2 000 K\u010d za rok, pro ide\u00e1ln\u00ed zhodnocen\u00ed vkladu se v\u00e1m na n\u011bj vyplat\u00ed vlo\u017eit <\/span>p\u0159esn\u011b 20 000 K\u010d ro\u010dn\u011b<\/b> (tedy 1 667 K\u010d m\u011bs\u00ed\u010dn\u011b). Nic v\u00e1m nebr\u00e1n\u00ed si po t\u00e9to dob\u011b zalo\u017eit dal\u0161\u00ed spo\u0159en\u00ed a za\u010d\u00edt odznova.<\/span><\/p>\n

Jen pro p\u0159edstavu: Dejme tomu, \u017ee si na \u00fa\u010det vkl\u00e1d\u00e1te 20 000 K\u010d ro\u010dn\u011b po dobu \u0161esti let, s garantovan\u00fdm \u00farokem od poji\u0161\u0165ovny ve v\u00fd\u0161i 1,5 % a poplatkem za veden\u00ed \u00fa\u010dtu 240 K\u010d. Za jeho vytvo\u0159en\u00ed si spo\u0159itelna sebere 2 000 K\u010d. Kolik na n\u011bm budete m\u00edt na konci? Necel\u00fdch 161 000 K\u010d. O kolik se zhodnotily va\u0161e pen\u00edze? Bez p\u00e1r tis\u00edc o jeden ro\u010dn\u00ed vklad.<\/span><\/p>\n

S dal\u0161\u00edmi pen\u011bzi na vysn\u011bn\u00e9 bydlen\u00ed v\u00e1m pomohou i r\u016fzn\u00e9 dotace, p\u0159edev\u0161\u00edm program<\/span> Zelen\u00e1 \u00faspor\u00e1m<\/span><\/a>. Na rekonstrukci bytu \u010di domu se d\u00e1 tak\u00e9 docela<\/span> dob\u0159e u\u0161et\u0159it<\/span><\/a>.<\/span><\/p>\n

A co d\u011bti?<\/b><\/h3>\n

Pro d\u011bti maj\u00ed stavebn\u00ed spo\u0159itelny r\u016fzn\u00e9 pr\u00e9mie \u010di v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Jednou z nich je t\u0159eba to, \u017ee pen\u00edze m\u016f\u017eete <\/span>pou\u017e\u00edt k jak\u00e9mukoliv \u00fa\u010delu<\/b>.<\/span><\/p>\n

Ale pozor, s p\u0159\u00edpadn\u00fdm ukon\u010den\u00edm smlouvy pro nezletil\u00e9 mus\u00ed souhlasit oba rodi\u010de, co\u017e m\u016f\u017ee b\u00fdt v p\u0159\u00edpad\u011b rozvodu \u010di odlou\u010den\u00ed probl\u00e9m. Vybr\u00e1n\u00ed vkladu a jeho vyu\u017eit\u00ed v\u00e1m tak\u00e9 mus\u00ed schv\u00e1lit opatrovnick\u00fd soud a pen\u00edze mus\u00ed b\u00fdt vyu\u017eity ve prosp\u011bch d\u00edt\u011bte.<\/span><\/p>\n

 <\/p>\n

Zdroj fotografi\u00ed: Depositphotos.com<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Stavebn\u00ed spo\u0159en\u00ed je st\u00e1le popul\u00e1rn\u011bj\u0161\u00ed. Jak moc se ale je\u0161t\u011b v dne\u0161n\u00ed dob\u011b vyplat\u00ed? Dali jsme pro v\u00e1s dohromady v\u0161echna jeho pro a proti.<\/span><\/em><\/p>\n

 <\/p>\n","protected":false},"author":1,"featured_media":7185,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-7599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/posts\/7599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/comments?post=7599"}],"version-history":[{"count":0,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/posts\/7599\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/media\/7185"}],"wp:attachment":[{"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/media?parent=7599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/categories?post=7599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wachal.cz\/en\/wp-json\/wp\/v2\/tags?post=7599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}