{"id":9753,"date":"2018-06-21T19:20:49","date_gmt":"2018-06-21T17:20:49","guid":{"rendered":"https:\/\/financer.com\/cz\/?page_id=9753"},"modified":"2023-07-12T13:55:21","modified_gmt":"2023-07-12T11:55:21","slug":"investice-do-nemovitosti","status":"publish","type":"how_to","link":"https:\/\/financer.com\/cz\/jak-na-to\/investice-do-nemovitosti\/","title":{"rendered":"Investice do nemovitost\u00ed"},"content":{"rendered":"\n<p>Investov\u00e1n\u00ed do nemovitost\u00ed p\u0159edstavuje<strong> jeden z nejlep\u0161\u00edch zp\u016fsob\u016f, jak investovat a zhodnotit sv\u00e9 pen\u00edze. <\/strong>V porovn\u00e1n\u00ed s jin\u00fdmi formami investov\u00e1n\u00ed nab\u00edz\u00ed trh s nemovitostmi \u0159adu v\u00fdhod, kter\u00e9 jin\u00e9 formy investic nep\u0159in\u00e1\u0161ej\u00ed.<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah \u010dl\u00e1nku\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Jak_zat_investovat_do_nemovitost\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/investice-do-nemovitosti\/#Jak_zat_investovat_do_nemovitost\">\n\t\t\t\t\t\t\tJak za\u010d\u00edt investovat do nemovitost\u00ed\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investice_do_nemovitost_v_R\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/investice-do-nemovitosti\/#Investice_do_nemovitost_v_R\">\n\t\t\t\t\t\t\tInvestice do nemovitost\u00ed v \u010cR\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investice_do_bytu_k_pronjmu\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/investice-do-nemovitosti\/#Investice_do_bytu_k_pronjmu\">\n\t\t\t\t\t\t\tInvestice do bytu k pron\u00e1jmu\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p>Tato forma investov\u00e1n\u00ed u\u017e d\u00e1vno <strong>nen\u00ed z\u00e1le\u017eitost\u00ed pouze bohat\u00fdch, <\/strong>v dne\u0161n\u00ed dob\u011b se st\u00e1v\u00e1 st\u00e1le dostupn\u011bj\u0161\u00ed \u010d\u00edm d\u00e1l v\u00edce lidem. Nejedn\u00e1 se jen o to, \u017ee <strong>aktu\u00e1ln\u00ed ceny i podm\u00ednky <\/strong>jednodu\u0161e p\u0159ej\u00ed takov\u00e9 form\u011b investov\u00e1n\u00ed. <\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"291\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/investice-do-nemovitosti-1024x291.jpg\" alt=\"\" class=\"wp-image-30540\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/investice-do-nemovitosti-1024x291.jpg 1024w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/investice-do-nemovitosti-300x85.jpg 300w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/investice-do-nemovitosti-768x218.jpg 768w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/investice-do-nemovitosti.jpg 1251w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>V aktu\u00e1ln\u00ed dob\u011b se ji\u017e nask\u00fdt\u00e1 i n\u011bkolik mo\u017enost\u00ed,<strong> jak do nemovitost\u00ed investovat i mal\u00e9 \u010d\u00e1stky.<\/strong> Jednou z nich je nap\u0159\u00edklad estonsk\u00e1 <a href=\"https:\/\/financer.com\/cz\/spolecnost\/estateguru\/\">spole\u010dnost EstateGuru.<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/cz\/spolecnost\/estateguru\/\" class=\"button is-rounded is-primary is-medium is-arrow\" target=\"_blank\" >Chci investovat<\/a><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jak_zat_investovat_do_nemovitost\">Jak za\u010d\u00edt investovat do nemovitost\u00ed<\/h2>\n\n\n\n<p>P\u0159i ot\u00e1zce jak <strong>za\u010d\u00edt investovat do nemovitost\u00ed<\/strong> je t\u0159eba zn\u00e1t v\u00fd\u0161i kapit\u00e1lu, kter\u00fd jste ochotni vlo\u017eit do investice. Existuj\u00ed toti\u017e v podstat\u011b <strong>dv\u011b mo\u017enosti jak investovat<\/strong> do nemovitost\u00ed a zajistit si udr\u017eiteln\u00fd v\u00fdnos.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"527\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/jak-investovat-do-nemovitosti-1024x527.jpg\" alt=\"\" class=\"wp-image-30541\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/jak-investovat-do-nemovitosti-1024x527.jpg 1024w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/jak-investovat-do-nemovitosti-300x154.jpg 300w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/jak-investovat-do-nemovitosti-768x395.jpg 768w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/jak-investovat-do-nemovitosti.jpg 1395w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Podlov_investice_do_nemovitosti_\">Pod\u00edlov\u00e1 investice do nemovitosti <\/h3>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee jste<strong> investor za\u010d\u00e1te\u010dn\u00edk<\/strong> a nem\u00e1te v\u00fdrazn\u011bj\u0161\u00ed vlastn\u00ed kapit\u00e1l, st\u00e1le m\u016f\u017eete <strong>investovat do nemovitost\u00ed,<\/strong> kter\u00e9 jsou obecn\u011b dlouhodob\u011b pova\u017eov\u00e1ny za nejstabiln\u011bj\u0161\u00ed formu investice. Nen\u00ed toti\u017e pravda, \u017ee do nemovitost\u00ed <strong>m\u016f\u017eete investovat <\/strong>jen v p\u0159\u00edpad\u011b, \u017ee v\u00e1m na \u00fa\u010dtu sv\u00edt\u00ed \u0161estim\u00edstn\u00e1 \u010d\u00e1stka.<\/p>\n\n\n\n<p>P\u0159\u00edkladem je<strong> estonsk\u00e1 platforma Estateguru,<\/strong> kter\u00e1 poskytuje p\u0159\u00edle\u017eitost pod\u00edlet se na financov\u00e1n\u00ed zahrani\u010dn\u00edch realitn\u00edch projekt\u016f, jejich\u017e zhotovitel\u00e9 hledaj\u00ed kapit\u00e1l na financov\u00e1n\u00ed. To znamen\u00e1, \u017ee do nemovitost\u00ed <strong>m\u016f\u017eete investovat tak\u00e9 jako d\u00edl\u010d\u00ed investor<\/strong> bez des\u00edtek tis\u00edc eur na \u00fa\u010dtu.<\/p>\n\n\n\n<p>C\u00edlem tohoto ambici\u00f3zn\u00edho <strong>projektu spole\u010dnosti Estateguru<\/strong> je financovat nemovitosti s podrobnou projektovou dokumentac\u00ed prost\u0159ednictv\u00edm n\u011bkolika soukrom\u00fdch investor\u016f. To umo\u017e\u0148uje <strong>vstup do sv\u011bta investic<\/strong> do nemovitost\u00ed ji\u017e s minim\u00e1ln\u00edm <strong>vkladem 50 EUR.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Investovn_do_nemovitost_pes_EstateGuru\">Investov\u00e1n\u00ed do nemovitost\u00ed p\u0159es EstateGuru<\/h3><p><strong>EstateGuru<\/strong> je estonsk\u00e1 platforma, kter\u00e1 umo\u017e\u0148uje investovat do nemovitost\u00ed ji\u017e od<strong> 50 EUR<\/strong> s ro\u010dn\u00edm <strong>v\u00fdnosem v\u00edce ne\u017e 12%<\/strong>. Platforma od sv\u00e9ho vzniku zprost\u0159edkovala investice t\u00e9m\u011b\u0159 <strong>20 000 investor\u016f<\/strong> v celkov\u00e9 v\u00fd\u0161i v\u00edce ne\u017e <strong>80 milion\u016f EUR.<\/strong> Za\u010dn\u011bte investovat do nemovitost\u00ed s EstateGuru je\u0161t\u011b dnes.<\/p><p class=\"has-text-centered\">\n\t <a href=\"https:\/\/financer.com\/cz\/spolecnost\/estateguru\/\" class=\"button is-normal is-primary is-rounded is-large\">Za\u010d\u00edt s EstateGuru <\/a>\n\t<\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Investovn_do_vlastn_nemovitosti\">Investov\u00e1n\u00ed do vlastn\u00ed nemovitosti<\/h3>\n\n\n\n<p>Zn\u00e1m\u011bj\u0161\u00ed alternativou investov\u00e1n\u00ed do nemovitost\u00ed je sc\u00e9n\u00e1\u0159, ve kter\u00e9m<strong> m\u00e1te k dispozici v\u00edce vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f<\/strong> a pomoc\u00ed hypote\u010dn\u00edho \u00fav\u011bru dofinancujete zbytek ceny nemovitosti.<\/p>\n\n\n\n<p>Nemovitost se po koupi<strong> st\u00e1v\u00e1 va\u0161\u00edm vlastn\u00edm majetkem<\/strong> a m\u016f\u017eete ji d\u00e1le p\u0159\u00edmo pronaj\u00edmat. Jeliko\u017e se podm\u00ednky<strong> <\/strong>schvalov\u00e1n\u00ed <a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\">hypot\u00e9k<strong> <\/strong><\/a>ze strany \u010cesk\u00e9 n\u00e1rodn\u00ed banky neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed, banky v\u00e1m dnes t\u00e9m\u011b\u0159 s ur\u010ditost\u00ed nep\u016fj\u010d\u00ed \u010d\u00e1stku, kter\u00e1 by pokryla <strong>100% ceny nemovitosti.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Investice_do_nemovitost_v_R\">Investice do nemovitost\u00ed v \u010cR<\/h2>\n\n\n\n<p>Pokud se rozhodnete<strong> investovat do nemovitost\u00ed s vy\u0161\u0161\u00edm vkladem<\/strong> vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f, pravd\u011bpodobn\u011b budete investovat v \u010cesk\u00e9 republice. <\/p>\n\n\n\n<p>Jak za\u010d\u00edt investovat do nemovitost\u00ed v \u010cech\u00e1ch?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Investin_nemovitosti_a_lokalita\">Investi\u010dn\u00ed nemovitosti a lokalita<\/h3>\n\n\n\n<p>Hlavn\u00ed popt\u00e1vku po va\u0161\u00ed investi\u010dn\u00ed nemovitosti bude tvo\u0159it <strong>jej\u00ed um\u00edst\u011bn\u00ed. <\/strong>V\u011bt\u0161inu p\u0159\u00edpadn\u00fdch n\u00e1jemn\u00edk\u016f bude zaj\u00edmat, kde se byt nach\u00e1z\u00ed, <strong>kde je nejbli\u017e\u0161\u00ed \u0161kola, obchod nebo zast\u00e1vka,<\/strong> jak vypad\u00e1 okol\u00ed, jac\u00ed jsou sousedi a podobn\u011b.<\/p>\n\n\n\n<p>Pr\u00e1v\u011b d\u00edky pov\u011bsti okol\u00ed m\u016f\u017eete <strong>sehnat n\u00e1jemn\u00edka do pron\u00e1jmu<\/strong> u\u017e b\u011bhem t\u00fddne. Tak\u00e9 ho m\u016f\u017eete z\u00e1rove\u0148 sh\u00e1n\u011bt n\u011bkolik m\u011bs\u00edc\u016f, a pr\u00e1v\u011b <strong>lokalita <\/strong>bude hodn\u011b ovliv\u0148ovat v\u00e1\u0161 zisk p\u0159i investov\u00e1n\u00ed do nemovitost\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>M\u00e1lokdo bude cht\u00edt nap\u0159\u00edklad bydlet na samot\u011b, daleko od obchod\u016f, dopravy nebo po\u0161ty. To sam\u00e9 se v\u00e1m nemus\u00ed vyplatit, kdy\u017e\u00a0<strong>koup\u00edte byt za skv\u011blou cenu<\/strong>\u00a0a v jeho bl\u00edzk\u00e9m okol\u00ed zprovozn\u00ed chemickou tov\u00e1rnu. P\u0159esn\u011b v t\u00e9 chv\u00edli zjist\u00edte, pro\u010d byl byt tak levn\u00fd. A \u017ee u\u017e\u00a0<strong>n\u00e1jemn\u00edka nese\u017eenete.<\/strong><\/p><\/div>\n\n\n<p>Pr\u00e1v\u011b z toho d\u016fvodu je<strong> v\u00fdb\u011br dobr\u00e9 lokality va\u0161eho investi\u010dn\u00edho bytu <\/strong>velice d\u016fle\u017eit\u00fd. Nejedn\u00e1 se tedy jen o drobnost, kter\u00e1 ovliv\u0148uje v\u00fdnos va\u0161\u00ed investice. Dobr\u00fd lokalita investi\u010dn\u00ed nemovitosti je <strong>naprosto kl\u00ed\u010dov\u00e1 a z\u00e1sadn\u00ed v\u011bc,<\/strong> kter\u00e1 rozhodne o va\u0161em zisku nebo ztr\u00e1t\u011b. Cel\u00e9 je to tedy doslova jen o spr\u00e1vn\u00e9m v\u00fdb\u011bru m\u00edsta.<\/p>\n\n\n\n<p>Tak\u00e9 obecn\u011b plat\u00ed, \u017ee <strong>investice do bytu se<\/strong> <strong>l\u00e9pe zhodnocuje ve v\u011bt\u0161\u00edch m\u011bstech, <\/strong>kam se lid\u00e9 stahuj\u00ed a kde je p\u0159etlak popt\u00e1vky nad nab\u00eddkou. Naprosto extr\u00e9mn\u00ed je v tomto ohledu Praha, kde se zd\u00e1, \u017ee <strong>popt\u00e1vka nikdy neopadne<\/strong> a ceny nemovitost\u00ed rostou meziro\u010dn\u011b o des\u00edtky procent.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ceny_prodanch_byt_v_R_2021\">Ceny prodan\u00fdch byt\u016f v \u010cR 2021<\/h3>\n\n\n\n<p>Pro dokreslen\u00ed cel\u00e9 situace uv\u00e1d\u00edme <strong>zpr\u00e1vu spole\u010dnosti Deloitte,<\/strong> kter\u00e1 pravideln\u011b zpracov\u00e1v\u00e1 \u010dtvrtletn\u00ed Deloitte Real Index. \u00dadaje se t\u00fdkaj\u00ed prodej\u016f byt\u016f zapsan\u00fdch v katastru nemovitost\u00ed v podob\u011b kupn\u00edch smluv.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Kraje \u010cR<\/th><th>Pr\u016fm\u011brn\u00e1 cena za m2 dle Deloitte Real Index Q3 2021<\/th><th>N\u00e1r\u016fst oproti p\u0159edchoz\u00edmu \u010dtvrtlet\u00ed Q2 2021<\/th><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Hlavn\u00ed m\u011bsto Praha<\/strong><\/td><td>109 800 K\u010d<\/td><td>N\u00e1r\u016fst 3,9%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>St\u0159edo\u010desk\u00fd kraj<\/strong><\/td><td>72 300 K\u010d<\/td><td>N\u00e1r\u016fst 7,5%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Jiho\u010desk\u00fd kraj<\/strong><\/td><td>59 300 K\u010d<\/td><td>N\u00e1r\u016fst 9%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Plze\u0148sk\u00fd kraj<\/strong><\/td><td>59 700 K\u010d<\/td><td>N\u00e1r\u016fst 4,6%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Karlovarsk\u00fd kraj<\/strong><\/td><td>39 900 K\u010d<\/td><td>N\u00e1r\u016fst 7,7%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u00dasteck\u00fd kraj<\/strong><\/td><td>33 500 K\u010d<\/td><td>N\u00e1r\u016fst 20,9%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Libereck\u00fd kraj<\/strong><\/td><td>63 200 K\u010d<\/td><td>N\u00e1r\u016fst 29,6%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Kr\u00e1lov\u00e9hradeck\u00fd kraj<\/strong><\/td><td>69 600 K\u010d<\/td><td>N\u00e1r\u016fst 16,6%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Pardubick\u00fd kraj<\/strong><\/td><td>63 400 K\u010d<\/td><td>N\u00e1r\u016fst 13,2%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Kraj Vyso\u010dina<\/strong><\/td><td>47\u00a0900 K\u010d<\/td><td>N\u00e1r\u016fst 4%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Jihomoravsk\u00fd kraj<\/strong><\/td><td>91 400 K\u010d<\/td><td>N\u00e1r\u016fst 7,4%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Olomouck\u00fd kraj<\/strong><\/td><td>59 100 K\u010d<\/td><td>N\u00e1r\u016fst 3,5%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Zl\u00ednsk\u00fd kraj<\/strong><\/td><td>56 600 K\u010d<\/td><td>Pokles 1,9%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Moravskoslezsk\u00fd kraj<\/strong><\/td><td>41 200 K\u010d<\/td><td>N\u00e1r\u016fst 7,5%<\/td><\/tr><\/thead><\/table><figcaption class=\"wp-element-caption\">Zdroj: Deloitte.com<\/figcaption><\/figure>\n\n\n\n<p>Set t\u011bchto dat je sledov\u00e1n na p\u0159\u00edli\u0161 kr\u00e1tk\u00e9m \u010dasov\u00e9m \u00faseku, aby se z n\u011bj n\u011bchaly <strong>vyvozovat tr\u017en\u00ed trendy,<\/strong> p\u0159esto v mnoha v\u011bci i tento kr\u00e1tk\u00fd sledovan\u00fd \u010dasov\u00fd \u00fasek m\u016f\u017ee napov\u011bd\u011bt.<\/p>\n\n\n\n<p>Tabulka nap\u0159\u00edklad jasn\u011b ukazuje<strong> regiony s nejni\u017e\u0161\u00ed a nejvy\u0161\u0161\u00ed cenou za metr \u010dtvere\u010dn\u00ed.<\/strong> Z\u00e1roven lze z tabulky vy\u010d\u00edst, kter\u00e9 kraje vykazuj\u00ed nejv\u011bt\u0161\u00ed p\u0159evis popt\u00e1vky po bytech nad nab\u00eddkou a kde se tato <strong>situace propsala do n\u00e1r\u016fstu cen b<\/strong>yt\u016f. Data je mo\u017en\u00e9 z\u00edskat i za del\u0161\u00ed \u010dasov\u00e9 \u00faseky, kde vypov\u00edd\u00e1c\u00ed hodnota sledovan\u00fdch veli\u010din bude definovat tr\u017en\u00ed trendy.<\/p>\n\n\n\n<p>Z\u00a0investorsk\u00e9ho hlediska je <strong>nejv\u00fdhodn\u011bj\u0161\u00ed koup\u011b bytu v kraji,<\/strong> kter\u00fd vykazuje pokles cen, ale brzo je o\u010dek\u00e1v\u00e1n tr\u017en\u00ed obrat. Spekulace nad okam\u017eikem, kdy tomu dojde je ale velmi obt\u00ed\u017en\u00e1 a nemus\u00ed v\u017edy vyj\u00edt.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Investin_byt_v_echch\">Investi\u010dn\u00ed byt v \u010cech\u00e1ch<\/h3>\n\n\n\n<p>Ale samoz\u0159ejm\u011b jde i o <strong>spr\u00e1vn\u00fd v\u00fdb\u011br bytu. <\/strong>Popt\u00e1vku po n\u011bm bude tvo\u0159it i to, jestli je <strong>v podkrovn\u00edm pat\u0159e nebo v p\u0159\u00edzem\u00ed.<\/strong> Mnoho n\u00e1jemn\u00edk\u016f nechce bydlet v p\u0159\u00edzem\u00ed, proto\u017ee jim mohou kolemjdouc\u00ed koukat do oken, a st\u0159e\u0161n\u00ed byty jsou zase zbyte\u010dn\u011b vysoko, nebo do nich <strong>m\u016f\u017ee st\u0159echou zat\u00e9kat.<\/strong><\/p>\n\n\n\n<p>Poloha bytu <strong>ovlivn\u00ed v\u00fd\u0161i n\u00e1jemn\u00e9ho<\/strong> stejn\u011b jako jeho velikost nebo atypi\u010dnost. Pro atypick\u00fd byt budete \u010dekat na <strong>z\u00e1jemce, kter\u00fd pr\u00e1v\u011b takov\u00fd byt hled\u00e1.<\/strong> A po\u010dkat si v n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017eete opravdu dlouho, jen m\u00e1lo lid\u00ed chce nap\u0159\u00edklad bydlet v loftu. Z\u00e1rove\u0148 n\u011bkdo, <strong>kdo si m\u016f\u017ee dovolit platit<\/strong> byt 5+1 bude nejsp\u00ed\u0161e u\u017e bydlet ve vlastn\u00edm.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Dlouhodob\u011b je<strong>\u00a0nejv\u011bt\u0161\u00ed z\u00e1jem o men\u0161\u00ed byty.<\/strong>\u00a0Velikost do 2+1. Jedn\u00e1 se o tzv. startovac\u00ed byty, vhodn\u00e9 pro mlad\u00e9 lidi, mlad\u00e9 rodiny, nebo t\u0159eba star\u0161\u00ed p\u00e1r s odrostl\u00fdmi d\u011btmi.<\/p><\/div>\n\n\n<p>A pr\u00e1v\u011b vlastnictv\u00ed bytu jako investice je ta pomysln\u00e1 t\u0159e\u0161inka na dortu. M\u016f\u017eete byt v\u016fbec pronajmout? Nezakazuje to bytov\u00e9 dru\u017estvo nebo v\u011bcn\u00e9 pr\u00e1vo do\u017eit\u00ed uveden\u00e9 ve smlouv\u011b? To jsou <strong>body, kter\u00e9 si mus\u00edte prov\u011b\u0159it <\/strong>je\u0161t\u011b p\u0159ed samotnou koup\u00ed.<\/p>\n\n\n\n<p>Samotnou kapitolou je i <strong>sousedsk\u00e9 sou\u017eit\u00ed.<\/strong> Ne\u017e nemovitost koup\u00edte, poptejte se u soused\u016f, zda je n\u011bco, o \u010dem byste m\u011bl v\u011bd\u011bt. Je to chyt\u0159e investovan\u00fd \u010das.<\/p>\n\n\n\n<p>Je mnoho podstatn\u00fdch detail\u016f, kter\u00e9<strong> ovlivn\u00ed ziskovost va\u0161ich investic<\/strong> do nemovitost\u00ed. Mnoho z nich nem\u00e1 potenci\u00e1ln\u00ed investor \u0161anci zjistit, a zbyte\u010dn\u011b tak po\u0161lou sv\u00e9 pen\u00edze do ztr\u00e1ty. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Investice_do_bytu_k_pronjmu\">Investice do bytu k pron\u00e1jmu<\/h2>\n\n\n\n<p>Pronaj\u00edmat vlastn\u00ed byt je jist\u011b velmi l\u00e1kav\u00e9. Spojuje se s t\u00edm \u0159ada v\u00fdhod ale i nev\u00fdhody. Ve Financer.com jsme je pro v\u00e1s shrnuli.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody\">V\u00fdhody<\/h3>\n\n\n\n<ul>\n<li><strong>Pasivn\u00ed p\u0159\u00edjem ka\u017ed\u00fd m\u011bs\u00edc.<\/strong> Pokud byt jako investici pronaj\u00edm\u00e1te a po zaplacen\u00ed v\u0161ech v\u00fddaj\u016f (inkaso, poplatky spr\u00e1vci, spl\u00e1tky hypot\u00e9k) v\u00e1m na \u00fa\u010dtu z\u016fst\u00e1v\u00e1 ur\u010dit\u00e1 finan\u010dn\u00ed \u010d\u00e1stka, v\u00e1\u0161 pasivn\u00ed p\u0159\u00edjem.<\/li>\n\n\n\n<li><strong>N\u00e1jem spl\u00e1c\u00ed hypot\u00e9ku. <\/strong>P\u016fj\u010dit si \u201eciz\u00ed pen\u00edze\u201c na koupi nemovitosti nen\u00ed \u0161patn\u00fd n\u00e1pad. Spl\u00e1tky, kter\u00e9 budete m\u011bs\u00ed\u010dn\u011b pos\u00edlat bance, v\u0161ak za v\u00e1s plat\u00ed va\u0161i n\u00e1jemci, kte\u0159\u00ed se postaraj\u00ed o splacen\u00ed alespo\u0148 \u010d\u00e1sti hypot\u00e9ky.<\/li>\n\n\n\n<li><strong>Cena nemovitosti roste.<\/strong> P\u0159i pohledu na v\u00fdvoj cen realitn\u00edho trhu m\u016f\u017eete vid\u011bt meziro\u010dn\u00ed n\u00e1r\u016fst. Nav\u00edc popt\u00e1vka po bytech neust\u00e1le roste a vy tak svou nabytou nemovitost postupem let v p\u0159\u00edpad\u011b prodeje zhodnot\u00edte.<\/li>\n\n\n\n<li><strong>Da\u0148ov\u00e9 v\u00fdhody.<\/strong> Jako investor sice p\u0159i pron\u00e1jmu mus\u00edte ka\u017edoro\u010dn\u011b odv\u00e1d\u011bt da\u0148 z nemovitosti, ale tak\u00e9 si p\u0159i jej\u00edm pron\u00e1jmu m\u016f\u017eete uplat\u0148ovat n\u011bkolik v\u00fddaj\u016f sni\u017euj\u00edc\u00edch zisk, to znamen\u00e1 i da\u0148 ze zisku.<\/li>\n\n\n\n<li><strong>Kupn\u00ed cena z\u00e1vis\u00ed na v\u00e1s. <\/strong>Na rozd\u00edl od investic do akci\u00ed nebo fond\u016f, nad cenou nemovitosti v p\u0159\u00edpad\u011b prodeje m\u00e1te plnou moc. Samoz\u0159ejm\u011b, je t\u0159eba \u010d\u00e1ste\u010dn\u011b se \u0159\u00eddit aktu\u00e1ln\u00edmi tr\u017en\u00edmi cenami, ale v kone\u010dn\u00e9m d\u016fsledku cenu ur\u010dujete vy.<\/li>\n\n\n\n<li><strong>P\u00e1kov\u00fd efekt. <\/strong>Hypot\u00e9ka jako investice v tomto p\u0159\u00edpad\u011b pat\u0159\u00ed k dobr\u00fdm \u00fav\u011br\u016fm, kter\u00fdch se nen\u00ed t\u0159eba b\u00e1t. Za 20% sv\u00fdch pen\u011bz, kter\u00e9 investujete na za\u010d\u00e1tku se za n\u011bkolik let d\u00edky ciz\u00edm pen\u011bz\u016fm um\u00edte dostat k v\u00fdrazn\u011bj\u0161\u00edmu zhodnocen\u00ed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Nevhody\">Nev\u00fdhody<\/h3>\n\n\n\n<ul>\n<li><strong>V\u00fdb\u011br dobr\u00e9ho n\u00e1jemn\u00edka.<\/strong> Jako pronaj\u00edmatel si mus\u00edte vybrat dobr\u00e9ho a spolehliv\u00e9ho \u010dlov\u011bka. Nesm\u00ed v\u00e1m demolovat byt, mus\u00ed m\u00edt uk\u00e1zn\u011bn\u00e9 dom\u00e1c\u00ed mazl\u00ed\u010dky, mus\u00ed vych\u00e1zet dob\u0159e se sousedy, a p\u0159edev\u0161\u00edm mus\u00ed platit.<\/li>\n\n\n\n<li><strong>Dluhy na n\u00e1jemn\u00e9m.<\/strong> N\u011bkte\u0159\u00ed n\u00e1jemci dlu\u017e\u00ed na n\u00e1jemn\u00e9m tolik, \u017ee pronaj\u00edmateli pos\u00edlaj\u00ed celou investici do nemovitost\u00ed do m\u00ednusu. Z\u00e1rove\u0148 je n\u011bkdy velmi t\u011b\u017ek\u00e9 dostat nespolehliv\u00e9ho n\u00e1jemce z bytu pry\u010d.<\/li>\n\n\n\n<li><strong>Obsazenost bytu. <\/strong>P\u0159\u00edjem z n\u00e1jmu m\u00e1te jen kdy\u017e ve va\u0161em byt\u011b n\u011bkdo bydl\u00ed. Tlak na bydlen\u00ed je dnes vy\u0161\u0161\u00ed ale i p\u0159esto se m\u016f\u017ee st\u00e1t, \u017ee budete m\u00edt byt p\u016fl roku neobsazen\u00fd. To mimo jin\u00e9 znamen\u00e1 i velkou ztr\u00e1tu na v\u0161ech va\u0161ich povinnostech.<\/li>\n\n\n\n<li><strong>Dan\u011b a poji\u0161t\u011bn\u00ed. <\/strong>Jako vlastn\u00edk bytu toti\u017e m\u00e1te i povinnosti, plat\u00edte tak do fondu oprav, plat\u00edte dan\u011b z nemovitosti a z pron\u00e1jmu,\u00a0<a href=\"https:\/\/financer.com\/cz\/pojisteni\/nemovitosti\/\">poji\u0161t\u011bn\u00ed nemovitosti<\/a>\u00a0a nejl\u00e9pe \u010d\u00e1ste\u010dn\u011b i\u00a0<a href=\"https:\/\/financer.com\/cz\/pojisteni\/domacnosti\/\">dom\u00e1cnosti<\/a>\u00a0a nav\u00edc zaji\u0161\u0165ujete na bytu i opravy.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_dotazy\">\u010casto kladen\u00e9 dotazy<\/h3><h4>Jak za\u010d\u00edt investovat do nemovitost\u00ed?<\/h4><div class=\"faq_inner\"><p>V sou\u010dasnosti je investov\u00e1n\u00ed do nemovitost\u00ed velmi snadn\u00e9. Za\u010d\u00edt m\u016f\u017eete investicemi v mal\u00e9m objemu, ji\u017e od 50 EUR, kdy se st\u00e1v\u00e1te spolu s ostatn\u00edmi investory pod\u00edlov\u00fdm investorem v\u00fdstavby jin\u00fdch nemovitost\u00ed.<\/p>\n<p>Pokud chcete investovat do nemovitost\u00ed s vy\u0161\u0161\u00edm obnosem finan\u010dn\u00edch prost\u0159edk\u016f, m\u016f\u017eete za\u010d\u00edt investovat dohled\u00e1n\u00edm vhodn\u00e9 investi\u010dn\u00ed p\u0159\u00edle\u017eitosti ve va\u0161em okol\u00ed.<\/p><\/div><h4>Kolik pen\u011bz pot\u0159ebuji na za\u010d\u00e1tek?<\/h4><div class=\"faq_inner\"><p>Pokud chcete investovat do nemovitost\u00ed s ni\u017e\u0161\u00edm obnosem, sta\u010d\u00ed v\u00e1m 50 EUR a registrace na zahrani\u010dn\u00ed investi\u010dn\u00ed platform\u011b EstateGuru.<\/p>\n<p>Chcete-li investovat s vy\u0161\u0161\u00edm obnosem, doporu\u010dujeme m\u00edt na\u0161et\u0159eno alespo\u0148 250 000 K\u010d vlastn\u00edch prost\u0159edk\u016f.<\/p><\/div><h4>Do jak\u00e9 nemovitosti investovat?<\/h4><div class=\"faq_inner\"><p>Na tuto ot\u00e1zku je velmi obt\u00ed\u017en\u00e9 obecn\u011b odpov\u011bd\u011bt, proto\u017ee realitn\u00ed trh v jednotliv\u00fdch m\u011bstech se odli\u0161uje. M\u011bli byste se v\u0161ak zam\u011b\u0159it na vyhled\u00e1v\u00e1n\u00ed 1 a\u017e 2 + kk v centrech m\u011bst, jejich\u017e pron\u00e1jem je jednodu\u0161\u0161\u00ed, ne\u017e v p\u0159\u00edpad\u011b v\u011bt\u0161\u00edch m\u011bst. Jak postupovat p\u0159i v\u00fdb\u011bru nemovitost\u00ed krok za krokem se do\u010dtete v \u010dl\u00e1nku.<\/p><\/div><h4>Je dobr\u00e9 investovat do komer\u010dn\u00edch nemovitost\u00ed?<\/h4><div class=\"faq_inner\"><p>Investov\u00e1n\u00ed do komer\u010dn\u00edch nemovitost\u00ed dok\u00e1\u017ee investorovi zajistit vy\u0161\u0161\u00ed hrubou ro\u010dn\u00ed ziskovost ne\u017e reziden\u010dn\u00ed nemovitosti, tedy byty.<\/p>\n<p>Pokud v\u0161ak uva\u017eujete o investici do komer\u010dn\u00edch prostor, mus\u00edte o\u010dek\u00e1vat vy\u0161\u0161\u00ed ceny, ne\u017e jak\u00e9 maj\u00ed klasick\u00e9 byty.<\/p><\/div><h4>Je dobr\u00e9 vz\u00edt si hypot\u00e9ku jako investici?<\/h4><div class=\"faq_inner\"><p><a href=\"https:\/\/financer.com\/cz\/pujcky\/hypoteky\/\">Hypot\u00e9ka<\/a>\u00a0jako investice neznamen\u00e1 automaticky dluh. Zamyslete se, pokud si b\u011bhem p\u0159\u00edzniv\u00e9 \u00fav\u011brov\u00e9 situace, kdy jsou \u00faroky na hypot\u00e9k\u00e1ch n\u00edzk\u00e9, dok\u00e1\u017eete vybrat vhodnou nemovitost, st\u00e1v\u00e1 se z n\u00ed investice.<\/p>\n<p>Krom\u011b toho, nemovitosti jsou z dlouhodob\u00e9ho hlediska ide\u00e1ln\u00ed ochranou va\u0161ich pen\u011bz p\u0159ed znehodnocen\u00edm vlivem inflace.<\/p><\/div><\/div>","protected":false},"author":16452,"featured_media":30610,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/9753"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/how_to"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/16452"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=9753"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/9753\/revisions"}],"predecessor-version":[{"id":46782,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/9753\/revisions\/46782"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/30610"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=9753"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/categories?post=9753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}