[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moscom.cz\/ziskejte-penize-na-dum-od-statu\/#Article","mainEntityOfPage":"https:\/\/www.moscom.cz\/ziskejte-penize-na-dum-od-statu\/","headline":"Z\u00edskejte pen\u00edze na d\u016fm od st\u00e1tu","name":"Z\u00edskejte pen\u00edze na d\u016fm od st\u00e1tu","description":"Stavba nebo po\u0159\u00edzen\u00ed si vlastn\u00edho bydlen\u00ed je snem ka\u017ed\u00e9ho. V\u00a0obdob\u00ed popula\u010dn\u00edho boomu a zakl\u00e1d\u00e1n\u00ed rodin je vhodn\u00e9 za\u0159\u00eddit si vlastn\u00ed bydlen\u00ed. V\u00fdstavba je v\u0161ak finan\u010dn\u011b velice n\u00e1ro\u010dn\u00e1 \u010dinnost, kter\u00e1 je … ","datePublished":"2023-05-31","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.moscom.cz\/author\/#Person","name":"","url":"https:\/\/www.moscom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moscom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.moscom.cz\/wp-content\/uploads\/img_a322800_w1923_t1534765227.jpg","url":"https:\/\/www.moscom.cz\/wp-content\/uploads\/img_a322800_w1923_t1534765227.jpg","height":0,"width":0},"url":"https:\/\/www.moscom.cz\/ziskejte-penize-na-dum-od-statu\/","wordCount":432,"articleBody":"Stavba nebo po\u0159\u00edzen\u00ed si vlastn\u00edho bydlen\u00ed je snem ka\u017ed\u00e9ho. V\u00a0obdob\u00ed popula\u010dn\u00edho boomu a zakl\u00e1d\u00e1n\u00ed rodin je vhodn\u00e9 za\u0159\u00eddit si vlastn\u00ed bydlen\u00ed. V\u00fdstavba je v\u0161ak finan\u010dn\u011b velice n\u00e1ro\u010dn\u00e1 \u010dinnost, kter\u00e1 je pro v\u011bt\u0161inu z\u00a0n\u00e1s jen t\u011b\u017eko dosa\u017eiteln\u00e1. Pokud si chceme postavit vlastn\u00ed d\u016fm v\u011bt\u0161inou se obr\u00e1t\u00edme na \u00fav\u011brov\u00e9 spole\u010dnosti a\u0165 u\u017e banky nebo nebankovn\u00ed spole\u010dnosti.Od 15. srpna je mo\u017enost z\u00edskat tak\u00e9 finance od st\u00e1tn\u00edch slo\u017eek. V\u00a0r\u00e1mci SFRB, tedy sdru\u017een\u00e9ho fondu na realizaci bydlen\u00ed. Doposud bylo touto cestou mo\u017en\u00e9 z\u00edskat a\u017e 600\u00a0000 K\u010d, a to bu\u010f na realizaci bydlen\u00ed nebo jeho v\u00fdstavbu. Od 15. srpna je v\u0161ak mo\u017en\u00e9 \u017e\u00e1dat a\u017e o 2 000 000 K\u010d.Tyto finance jsou ur\u010deny hlavn\u011b pro rodi\u010de s\u00a0d\u011btmi. Pokud je p\u00e1r sezd\u00e1n nen\u00ed zapot\u0159eb\u00ed dokl\u00e1dat dokumenty o p\u00e9\u010di o d\u00edt\u011b. V\u00a0opa\u010dn\u00e9m p\u0159\u00edpad\u011b mus\u00ed partne\u0159i dolo\u017eit opatrovnictv\u00ed o d\u00edt\u011b do v\u011bku 15 let. Dal\u0161\u00edmi podm\u00ednkami v\u00a0r\u00e1mci st\u00e1tn\u00edch pen\u011bz je m\u00edt naspo\u0159enou vlastn\u00ed \u010d\u00e1st. Jedn\u00e1 se zhruba o 5 % z\u00a0celkov\u00e9 po\u017eadovan\u00e9 \u010d\u00e1stky.Stejn\u011b jako u ostatn\u00edch spole\u010dnost\u00ed ani st\u00e1t nepokryje cel\u00e9 n\u00e1klady na n\u00e1kup \u010di v\u00fdstavbu v\u010detn\u011b n\u00e1kupu pozemku. Odhadci ur\u010d\u00ed cenu nemovitosti a na tomto z\u00e1klad\u011b poskytnou \u017eadateli a\u017e 80 % z\u00a0c\u00edlov\u00e9 \u010d\u00e1stky.Spl\u00e1cen\u00ed prost\u0159edk\u016f z\u00a0fondu SFRB je nastaveno bu\u010f fixn\u011b nebo odlo\u017een\u011b, kdy fixn\u00ed cestou pravideln\u011b spl\u00e1c\u00edme pevn\u011b stanovenou \u010d\u00e1stku, zat\u00edmco odlo\u017een\u011b si m\u016f\u017eeme nejprve vypo\u0159\u00e1dat sv\u00e9 vlastn\u00ed z\u00e1vazky a n\u00e1sledn\u011b spl\u00e1cet stanovenou \u010d\u00e1stku. Pokud vyu\u017e\u00edv\u00e1me pen\u00edze na modernizaci bydlen\u00ed nesm\u00ed doba spl\u00e1cen\u00ed p\u0159es\u00e1hnout lh\u016ftu 12 let, kdy\u017e pen\u00edze vyu\u017eijeme na n\u00e1kup nebo v\u00fdstavbu nemovitosti m\u00e1me mo\u017enost spl\u00e1cet a\u017e po dobu 25 let.V\u00a0r\u00e1mci bankovn\u00edho sektoru se jedn\u00e1 o zv\u00fdhodn\u011bnou p\u016fj\u010dku, kdy se standartn\u00ed sazba pohybuje na \u00farovni 2,5 %. Tud\u00ed\u017e v\u00a0r\u00e1mci SFRB je sazba o pozn\u00e1n\u00ed ni\u017e\u0161\u00ed.Tento fond existuje jako dobr\u00e1 p\u0159\u00edle\u017eitost pro rodiny s\u00a0d\u011btmi, jak si zajistit kvalitn\u00ed bydlen\u00ed v\u00a0r\u00e1mci bydlen\u00ed. Nejde pouze o n\u00edzk\u00fd \u00farok a mo\u017enost volby spl\u00e1tek, ale tak\u00e9 \u0161ance z\u00edskat dostate\u010dn\u00fd objem pen\u011bz se z\u00e1rukou f\u00e9rov\u00e9ho jedn\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00edskejte pen\u00edze na d\u016fm od st\u00e1tu","item":"https:\/\/www.moscom.cz\/ziskejte-penize-na-dum-od-statu\/#breadcrumbitem"}]}]