{"id":328,"date":"2022-01-27T18:31:17","date_gmt":"2022-01-27T17:31:17","guid":{"rendered":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/01\/27\/pronajem-nebo-koupe\/"},"modified":"2023-09-21T10:07:47","modified_gmt":"2023-09-21T08:07:47","slug":"pronajem-nebo-koupe","status":"publish","type":"post","link":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/2022\/01\/27\/pronajem-nebo-koupe\/","title":{"rendered":"Co je v\u00fdhodn\u011bj\u0161\u00ed? Pron\u00e1jem, nebo koup\u011b vlastn\u00ed nemovitosti?"},"content":{"rendered":"\n

Na \u00favod \u010dl\u00e1nku si zkuste sami odpov\u011bd\u011bt.<\/p>\n\n\n\n

Co byste up\u0159ednostnili? \u017d\u00edt v\u00a0nemovitosti, kter\u00e1 v\u00e1m z\u00e1rove\u0148 pat\u0159\u00ed, nebo \u017e\u00edt v\u00a0pron\u00e1jmu? Pokud jste odpov\u011bd\u011bli prvn\u00ed mo\u017enost, pak s\u00a0v\u00e1mi souhlas\u00ed v\u011bt\u0161ina \u010cech\u016f. 79 % obyvatel na\u0161\u00ed republiky toti\u017e \u017eije ve vlastn\u00edm<\/strong>.<\/p>\n\n\n\n

Druh\u00e1 ot\u00e1zka ale je, zda se to v\u0161em skute\u010dn\u011b vyplat\u00ed. Vlastnictv\u00ed nemovitosti pro spoustu z\u00a0n\u00e1s znamen\u00e1 jistotu a \u010dasto i dobrou investici. V\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech se v\u00e1m ale m\u016f\u017ee vyplatit investovat jinam a do d\u016fchodu si tak p\u0159ipravit n\u011bkolik hezk\u00fdch milion\u016f.<\/p>\n\n\n\n

V dne\u0161n\u00edm \u010dl\u00e1nku vych\u00e1z\u00edm z m\u00e9ho obl\u00edben\u00e9ho zdroje \u2013 port\u00e1lu Valuo.<\/p>\n\n\n\n

V\u00fdvoj prodejn\u00edch cen nemovitost\u00ed a n\u00e1jm\u016f<\/strong><\/h4>\n\n\n\n

Tabulka n\u00ed\u017ee prozrazuje, \u017ee ceny nemovitost\u00ed rostou raketov\u011b<\/strong> ve v\u0161ech zm\u00edn\u011bn\u00fdch m\u011bstech. U n\u00e1jm\u016f u\u017e se pravidelnost vytr\u00e1c\u00ed, ale v\u011bt\u0161inou jde o zdra\u017een\u00ed do 10 %.<\/p>\n\n\n\n

\"pron\u00e1jem<\/figure>\n\n\n\n

Co se tedy vyplat\u00ed? Pron\u00e1jem, nebo investice do nemovitosti?<\/strong><\/h4>\n\n\n\n

Odpus\u0165te mi to, ale do dne\u0161n\u00edho \u010dl\u00e1nku mus\u00edm vn\u00e9st trochu matematiky. Odpov\u011b\u010f na tuto ot\u00e1zku toti\u017e d\u00e1v\u00e1 tzv. pod\u00edl ro\u010dn\u00edho n\u00e1jmu z\u00a0prodejn\u00ed ceny<\/strong>. Hned vysv\u011btl\u00edm.<\/p>\n\n\n\n

To, zda se v\u00e1m vyplat\u00ed pron\u00e1jem, nebo hypot\u00e9ka, z\u00e1vis\u00ed na v\u00fd\u0161i \u00farok\u016f z\u00a0hypot\u00e9ky, inflaci a zhodnocen\u00ed \u00faspor. Po\u010d\u00edtejme, \u017ee \u00farok z\u00a0hypot\u00e9ky \u010din\u00ed 3 %, inflace je na 2,5 % a m\u00e1te mo\u017enost investovat va\u0161e \u00faspory s\u00a05% \u00farokem. Pak se bydlen\u00ed v\u00a0n\u00e1jmu vyplat\u00ed v\u00a0p\u0159\u00edpad\u011b, \u017ee za n\u011bj ro\u010dn\u011b zaplat\u00edte maxim\u00e1ln\u011b 2,8 % z\u00a0ceny nemovitosti<\/strong>.<\/p>\n\n\n\n

Pod\u00edvejme se na praktick\u00fd p\u0159\u00edklad<\/strong>. Port\u00e1l Valuo po\u010d\u00edt\u00e1 s\u00a075metrov\u00fdm cihlov\u00fdm bytem v\u00a0Praze 6. Ten by mohl st\u00e1t 9\u00a0557\u00a0100 K\u010d. Pokud si na takov\u00fd byt vezmete hypot\u00e9ku, banka bude \u017e\u00e1dat 20 % s\u00a0ceny, tedy 1\u00a0911\u00a0420 K\u010d. P\u0159i splatnosti 30 let a \u00faroku 3 % se tak m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka vy\u0161plh\u00e1 na 32\u00a0234 K\u010d.<\/p>\n\n\n\n

Pokud se ale rozhodnete j\u00edt druhou cestou a ve stejn\u00e9m byt\u011b \u017e\u00edt v\u00a0n\u00e1jmu<\/strong>, m\u011bs\u00ed\u010dn\u00ed n\u00e1jem bude 19\u00a0650 K\u010d. Rozd\u00edl mezi spl\u00e1tkou hypot\u00e9ky a m\u011bs\u00ed\u010dn\u00edm n\u00e1jmem je tak 12\u00a0584 K\u010d. Tento rozd\u00edl spole\u010dn\u011b s\u00a0\u00fasporami, kter\u00e9 byste jinak dali za koupi nemovitosti, m\u016f\u017eete investovat. D\u00edky tomu si na d\u016fchod na\u0161et\u0159\u00edte p\u011bkn\u00fd finan\u010dn\u00ed pol\u0161t\u00e1\u0159.<\/p>\n\n\n\n

P\u0159esto z\u00a0tabulky n\u00ed\u017ee vypl\u00fdv\u00e1, \u017ee v\u00a0\u010cesk\u00e9 republice (krom\u011b Prahy) je obecn\u011b v\u00fdhodn\u011bj\u0161\u00ed nemovitosti vlastnit<\/strong>.<\/p>\n\n\n\n

\"kde<\/figure>\n\n\n\n

Pevn\u011b douf\u00e1m, \u017ee jsem v\u00e1m dne\u0161n\u00edm \u010dl\u00e1nkem nezamotal hlavu. Pokud st\u00e1le t\u00e1pete, koukn\u011bte na tuto kalkula\u010dku<\/a>, kter\u00e1 v\u00e1m jist\u011b porad\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

Na \u00favod \u010dl\u00e1nku si zkuste sami odpov\u011bd\u011bt. Co byste up\u0159ednostnili? \u017d\u00edt v\u00a0nemovitosti, kter\u00e1 v\u00e1m z\u00e1rove\u0148 pat\u0159\u00ed, nebo \u017e\u00edt v\u00a0pron\u00e1jmu? Pokud jste odpov\u011bd\u011bli prvn\u00ed mo\u017enost, pak s\u00a0v\u00e1mi souhlas\u00ed …<\/p>\n","protected":false},"author":1,"featured_media":332,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"meta_box":[],"_links":{"self":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/328","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/comments?post=328"}],"version-history":[{"count":1,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/328\/revisions"}],"predecessor-version":[{"id":331,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/posts\/328\/revisions\/331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media\/332"}],"wp:attachment":[{"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/media?parent=328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/categories?post=328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maklermartin.digiamo.cz\/maklermartin\/wp-json\/wp\/v2\/tags?post=328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}