[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.adpp.cz\/moznost-volby-se-muze-stat-i-pasti-pro-seniory\/#Article","mainEntityOfPage":"https:\/\/www.adpp.cz\/moznost-volby-se-muze-stat-i-pasti-pro-seniory\/","headline":"Mo\u017enost volby se m\u016f\u017ee st\u00e1t i past\u00ed pro seniory?","name":"Mo\u017enost volby se m\u016f\u017ee st\u00e1t i past\u00ed pro seniory?","description":"Hypot\u00e9ky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, jak od bankovn\u00edch, tak nebankovn\u00edch instituc\u00ed \u2013 to se u\u017e po mnoho","datePublished":"2019-06-17","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.adpp.cz\/author\/#Person","name":"","url":"https:\/\/www.adpp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"adpp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.adpp.cz\/wp-content\/uploads\/img_a351410_w2764_t1566047041.jpg","url":"https:\/\/www.adpp.cz\/wp-content\/uploads\/img_a351410_w2764_t1566047041.jpg","height":0,"width":0},"url":"https:\/\/www.adpp.cz\/moznost-volby-se-muze-stat-i-pasti-pro-seniory\/","about":["Finance"],"wordCount":493,"articleBody":"Hypot\u00e9ky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, jak od bankovn\u00edch, tak nebankovn\u00edch instituc\u00ed \u2013 to se u\u017e po mnoho let rozm\u00e1h\u00e1, jako houby po de\u0161ti. Nev\u00edme, jestli jsou statistiky p\u0159esn\u00e9, ale snad ka\u017ed\u00fd t\u0159et\u00ed \u2013 \u010dtvrt\u00fd ob\u010dan v\u00a0na\u0161em st\u00e1t\u011b je zadlu\u017een\u00fd. A to nen\u00ed spr\u00e1vn\u00e1 cesta.\tZ\u00e1jemci, zvl\u00e1\u0161\u0165 ti m\u00e9n\u011b movit\u00ed, kte\u0159\u00ed si cht\u011bj\u00ed vz\u00edt hypot\u00e9ku, nemaj\u00ed v\u011bt\u0161inou na\u0161et\u0159eno dostatek vlastn\u00edch financ\u00ed, co\u017e banky vy\u017eaduj\u00ed. Je to p\u0159ibli\u017en\u011b 20 % z\u00a0p\u016fj\u010den\u00e9 \u010d\u00e1stky. Tak\u017ee, pokud nap\u0159\u00edklad mlad\u00ed lid\u00e9 cht\u011bj\u00ed j\u00edt do hypote\u010dn\u00edho rizika a nemaj\u00ed dostatek vlastn\u00edch financ\u00ed, tak to v\u011bt\u0161inou \u0159e\u0161\u00ed z\u00e1stavou domu nebo bytu sv\u00fdch rodi\u010d\u016f nebo prarodi\u010d\u016f. Z\u00a0toho vypl\u00fdv\u00e1, \u017ee tak t\u00edhu hypote\u010dn\u00edho \u00fav\u011bru p\u0159enesou na celou rodinu. Ale je to pravd\u011bpodobn\u011b mnohem p\u0159ijateln\u011bj\u0161\u00ed alternativa, ne\u017e si p\u016fj\u010dovat pen\u00edze s\u00a0velk\u00fdm \u00farokem (lichva). Co\u017e je i dnes tvrd\u00e1 realita.\tU\u017e n\u011bjak\u00fd \u010das se lid\u00e9 mohou sezn\u00e1mit jak na internetu, tak v\u00a0televizn\u00ed reklam\u011b s\u00a0\u201eRentou z\u00a0nemovitosti\u201c. \tCo si pod t\u00edm p\u0159edstav\u00edte?\tT\u00e9to hypot\u00e9ce se \u0159\u00edk\u00e1 t\u00e9\u017e obr\u00e1cen\u00e1, zp\u011btn\u00e1 nebo reverzn\u00ed. To znamen\u00e1, \u017ee ten, komu je v\u00edce jak 60 let a vlastn\u00ed nezat\u00ed\u017eenou nemovitost, m\u00e1 mo\u017enost z\u00edskat RENTU z nemovitosti, kterou m\u016f\u017ee u\u017e\u00edvat po zbytek sv\u00e9ho \u017eivota a p\u0159itom \u017e\u00edt ve sv\u00e9m dom\u011b nebo byt\u011b. \tAle nen\u00ed v\u0161e tak r\u016f\u017eov\u00e9, jak na tuto RENTU z\u00a0nemovitosti l\u00e1kaj\u00ed reklamy.\t\tPRO\u010c?\tTak za prv\u00e9. Podle hodnoty nemovitosti a podle v\u00fd\u0161ky v\u011bku m\u016f\u017ee z\u00e1jemce z\u00edskat m\u011bs\u00ed\u010dn\u00ed RENTU ve v\u00fd\u0161ce od 15% do 50%. Bu\u010fto jednor\u00e1zov\u011b nebo formou m\u011bs\u00ed\u010dn\u00ed RENTY. (P\u0159\u00edklad: v\u011bk 60 let \u2013 15% z\u00a0hodnoty nemovitosti, v\u011bk 85 let \u2013 50% z\u00a0hodnoty nemovitosti). I u n\u00e1s je mnoho d\u016fchodc\u016f, kter\u00e9 by tato RENTA mohla upoutat. Proto\u017ee je doslova \u00fa\u010delov\u011b zam\u011b\u0159en\u00e1 na tyto lidi v\u00a0d\u016fchodov\u00e9m v\u011bku. Maj\u00ed nap\u0159\u00edklad mal\u00fd d\u016fchod, cht\u011bj\u00ed si je\u0161t\u011b trochu l\u00e9pe sv\u016fj \u017eivot u\u017e\u00edt\u2026 a kdo by si necht\u011bl p\u0159ilep\u0161it? Ale ten, koho tato nab\u00eddka zaujala, tak by si m\u011bl po\u0159\u00e1dn\u011b rozmyslet, jestli mu ta m\u011bs\u00ed\u010dn\u00ed RENTA (nebo jednor\u00e1zov\u00e1 hotovost) stoj\u00ed za to. \tPRO\u010c?\tProto\u017ee ka\u017ed\u00e1 mince m\u00e1 dv\u011b strany. A v\u00a0tomto p\u0159\u00edpad\u011b by v\u00e1s p\u0159edev\u0161\u00edm m\u011blo zaj\u00edmat, kdo a jak po va\u0161\u00ed smrti bude tento \u00fav\u011br p\u0159\u00edpadn\u011b spl\u00e1cet? Proto je velice d\u016fle\u017eit\u00e9, p\u0159i t\u011bchto finan\u010dn\u00edch produktech b\u00fdt velmi obez\u0159etn\u00fd a nejd\u0159\u00edve si zjistit v\u0161echny podm\u00ednky, kter\u00e9 s\u00a0n\u00edm souvis\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Mo\u017enost volby se m\u016f\u017ee st\u00e1t i past\u00ed pro seniory?","item":"https:\/\/www.adpp.cz\/moznost-volby-se-muze-stat-i-pasti-pro-seniory\/#breadcrumbitem"}]}]