{"id":276,"date":"2018-11-08T13:23:22","date_gmt":"2018-11-08T12:23:22","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=276"},"modified":"2018-11-08T14:05:31","modified_gmt":"2018-11-08T13:05:31","slug":"bydleni-za-hotovost-nebo-na-hypoteku","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/bydleni-za-hotovost-nebo-na-hypoteku\/","title":{"rendered":"3 pohledy na to, jestli po\u0159\u00eddit bydlen\u00ed za hotovost nebo na hypot\u00e9ku"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/s4N8tPez0bY?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/p>\n<h2>P\u0159epis videa<\/h2>\n<p>A v tomto videu se s v\u00e1mi pod\u011bl\u00edm o to, zda je lep\u0161\u00ed po\u0159\u00eddit bydlen\u00ed za hotovost nebo na hypot\u00e9ku.<\/p>\n<p>S touto ot\u00e1zkou se v praxi potk\u00e1v\u00e1m hodn\u011b \u010dasto.<\/p>\n<p>V\u011bt\u0161ina lid\u00ed m\u00e1 toti\u017e na vlastn\u00ed bydlen\u00ed p\u0159ipravenu zna\u010dnou \u010d\u00e1stku v hotovosti, ale pocitov\u011b si nejsou jisti, zda je to spr\u00e1vn\u011b.<br \/>\nZda maj\u00ed v\u011bt\u0161inu voln\u00e9 hotovosti utratit za cihly.<\/p>\n<p>Te\u010f si m\u016f\u017eete poslechnout, co si o tomhle t\u00e9matu mysl\u00edme my.<\/p>\n<p>Z \u010dist\u011b matematick\u00e9ho hlediska je odpov\u011b\u010f \u00fapln\u011b jasn\u00e1.<\/p>\n<h2>Pohled matematick\u00fd<\/h2>\n<p>Pokud je dluh levn\u00fd, a dnes jsou hypot\u00e9ky do 3% ro\u010dn\u011b, je lep\u0161\u00ed si vz\u00edt hypot\u00e9ku a vlastn\u00ed pen\u00edze investovat.<\/p>\n<p>Samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee investov\u00e1n\u00edm dlouhodob\u011b vyd\u011bl\u00e1te v\u00edce, ne\u017e kolik stoj\u00ed ta hypot\u00e9ka. <\/p>\n<p>My u renti\u00e9rsk\u00fdch portfoli\u00ed po\u010d\u00edt\u00e1me s v\u00fdnosem kolem 5-6% ro\u010dn\u011b.<\/p>\n<p>A proto je matematicky lep\u0161\u00ed vz\u00edt se v\u011bt\u0161\u00ed hypot\u00e9ku, a pen\u00edze investovat. <\/p>\n<p>Pokud byste ale pen\u00edze nechali jen na spo\u0159\u00edc\u00edm \u00fa\u010dtu, kde vyd\u011blaj\u00ed m\u00e9n\u011b, ne\u017e kolik v\u00e1s stoj\u00ed hypot\u00e9ka, je lep\u0161\u00ed d\u00e1t je rad\u011bji do cihel, ne\u017e do dluhu.<\/p>\n<p>Pro n\u011bkoho je ale nep\u0159\u00edjemn\u00e9, pokud mus\u00ed platit pravideln\u00e9 \u00faroky z hypot\u00e9ky a jeho vlastn\u00ed pen\u00edze se sice zhodnocuj\u00ed, ale nep\u0159in\u00e1\u0161ej\u00ed mu \u017e\u00e1dn\u00fd pr\u016fb\u011b\u017en\u00fd v\u00fdnos.<\/p>\n<p>Kdy\u017e ale zvol\u00edte investice, kter\u00e9 vypl\u00e1c\u00ed pr\u016fb\u011b\u017en\u00e9 dividendy a \u00faroky, ano, takov\u00e9 existuj\u00ed a vyu\u017e\u00edvaj\u00ed se p\u0159edev\u0161\u00edm u renti\u00e9rsk\u00fdch \u0159e\u0161en\u00ed.<\/p>\n<p>Pak m\u00e1te jistotu, \u017ee sice na jedn\u00e9 stran\u011b m\u00e1te pravideln\u00e9 spl\u00e1tky hypot\u00e9ky, ale na druh\u00e9 stran\u011b dost\u00e1v\u00e1te pen\u00edze z dividend a \u00farok\u016f z va\u0161ich investic.<\/p>\n<p>Tak\u017ee tyhle pen\u00edze se mohou zapo\u010d\u00edst a \u0159e\u0161it va\u0161e bydlen\u00ed hypot\u00e9kou a vlastn\u00ed pen\u00edze investovat, m\u016f\u017ee b\u00fdt nejen matematicky spr\u00e1vn\u00e9, ale m\u016f\u017ee to pro v\u00e1s b\u00fdt p\u0159ijateln\u011bj\u0161\u00ed i z hlediska p\u0159\u00edpadn\u00e9 nejistoty p\u0159i v\u00fdpadku p\u0159\u00edjm\u016f.<\/p>\n<h2>Pohled flexibiln\u00ed<\/h2>\n<p>Je je\u0161t\u011b jeden faktor, kter\u00fd zva\u017ete, p\u0159i rozhodnut\u00ed o tom, kolik d\u00e1te do cihel vlastn\u00edch pen\u011bz. A kolik pen\u011bz z hypot\u00e9ky.<\/p>\n<p>Svoje pen\u00edze, kter\u00e9 d\u00e1te do cihel z t\u00e9 stavby jednodu\u0161e nevynd\u00e1te.<\/p>\n<p>Nebudete je m\u00edt v rezerv\u011b, kdy\u017e je budete pot\u0159ebovat.<\/p>\n<p>Z investic je v\u017edycky m\u016f\u017eete vybrat.<\/p>\n<p>Tak\u017ee z pohledu \u017eivotn\u00ed flexibility m\u016f\u017ee b\u00fdt tak\u00e9 lep\u0161\u00ed, financovat bydlen\u00ed o n\u011bco v\u011bt\u0161\u00ed hypot\u00e9kou ne\u017e vlastn\u00edmi pen\u011bzi.<\/p>\n<p>Matematicky spr\u00e1vn\u00e9 \u0159e\u0161en\u00ed, i kdy\u017e je rozumn\u00e9, a rozumn\u011b o\u0161et\u0159en\u00e9 proti v\u00fdpadku p\u0159\u00edjm\u016f a je flexibiln\u011bj\u0161\u00ed, ale st\u00e1le nemus\u00ed b\u00fdt t\u00edm nejvhodn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm pr\u00e1v\u011b pro v\u00e1s.<\/p>\n<h2>Pohled emo\u010dn\u00ed<\/h2>\n<p>Dluh m\u00e1 toti\u017e i velkou hodnotu emo\u010dn\u00ed.<\/p>\n<p>N\u011bkomu se s dluhy \u0161patn\u011b sp\u00ed.<\/p>\n<p>Pak je lep\u0161\u00ed dluh splatit, proto\u017ee to nestoj\u00ed za ten \u0161patn\u00fd sp\u00e1nek.<\/p>\n<p>Abyste se mohli rozhodnout skute\u010dn\u011b dob\u0159e, spo\u010d\u00edtejte si, nebo si nechte spo\u010d\u00edtat, jak bude va\u0161e finan\u010dn\u00ed budoucnost vypadat, s variantou bez hypot\u00e9ky, nebo s malou hypot\u00e9kou, i s variantou hypot\u00e9ky v\u011bt\u0161\u00ed.<\/p>\n<p>Ujasn\u011bte si finan\u010dn\u00ed rozd\u00edl obou \u0159e\u0161en\u00ed. N\u011bkdy jde v budoucnosti o statis\u00edce, ale sp\u00ed\u0161e o miliony.<\/p>\n<p>A tak budete moci zv\u00e1\u017eit, jak matematick\u00fd pohled na v\u011bc, tak emoce a flexibilitu cel\u00e9ho \u0159e\u0161en\u00ed.<\/p>\n<p>Tak\u017ee se rozhodn\u011bte a\u017e ve chv\u00edli, kdy budete m\u00edt k dispozici v\u0161echny vstupy.<\/p>\n<p>M\u011bjte se hezky a investujte sv\u016fj \u010das, energii i pen\u00edze s rozvahou a dlouhodob\u011b!<\/p>\n<h3>Je lep\u0161\u00ed hotovost nebo hypot\u00e9ka?<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>N\u011bkte\u0159\u00ed lid\u00e9 maj\u00ed na vlastn\u00ed bydlen\u00ed p\u0159ipravenou zna\u010dnou \u010d\u00e1stku v hotovosti.<br \/>\nAle pocitov\u011b si nejsou jisti, zda maj\u00ed v\u011bt\u0161inu voln\u00e9 hotovosti utratit za cihly.<\/p>\n","protected":false},"author":2,"featured_media":277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_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":"","footnotes":""},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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