[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kotary.cz\/uvery-na-bydleni-tu-byly-jiz-za-socialismu\/#Article","mainEntityOfPage":"https:\/\/www.kotary.cz\/uvery-na-bydleni-tu-byly-jiz-za-socialismu\/","headline":"\u00dav\u011bry na bydlen\u00ed tu byly ji\u017e za socialismu","name":"\u00dav\u011bry na bydlen\u00ed tu byly ji\u017e za socialismu","description":"S hypot\u00e9kou m\u00e1 na\u0161e rodina zku\u0161enosti ji\u017e z doby socialismu. Tehdy se tomu ne\u0159\u00edkalo hypot\u00e9ka, ale podstata byla stejn\u00e1. Kdo si cht\u011bl v t\u00e9 dob\u011b po\u0159\u00eddit rodinn\u00fd d\u016fm, z\u00edskal na to od banky pot\u0159ebn\u00fd obnos a ten potom spl\u00e1cel. Tehdy to bylo jednodu\u0161\u0161\u00ed v tom, \u017ee v\u0161ichni dosp\u011bl\u00ed a zdrav\u00ed lid\u00e9 m\u011bli povinnost pracovat a...","datePublished":"2026-08-12","dateModified":"2026-08-12","author":{"@type":"Person","@id":"https:\/\/www.kotary.cz\/author\/#Person","name":"","url":"https:\/\/www.kotary.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kotary.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kotary.cz\/wp-content\/uploads\/pexels-jakubzerdzicki-34134977.jpg","url":"https:\/\/www.kotary.cz\/wp-content\/uploads\/pexels-jakubzerdzicki-34134977.jpg","height":0,"width":0},"url":"https:\/\/www.kotary.cz\/uvery-na-bydleni-tu-byly-jiz-za-socialismu\/","about":["Nakupov\u00e1n\u00ed"],"wordCount":380,"articleBody":"      S hypot\u00e9kou m\u00e1 na\u0161e rodina zku\u0161enosti ji\u017e z doby socialismu. Tehdy se tomu ne\u0159\u00edkalo hypot\u00e9ka, ale podstata byla stejn\u00e1. Kdo si cht\u011bl v t\u00e9 dob\u011b po\u0159\u00eddit rodinn\u00fd d\u016fm, z\u00edskal na to od banky pot\u0159ebn\u00fd obnos a ten potom spl\u00e1cel. Tehdy to bylo jednodu\u0161\u0161\u00ed v tom, \u017ee v\u0161ichni dosp\u011bl\u00ed a zdrav\u00ed lid\u00e9 m\u011bli povinnost pracovat a b\u00fdt v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00ed, tak bylo spl\u00e1cen\u00ed dluhu relativn\u011b snadn\u00e9. V t\u00e9 dob\u011b byly st\u00e1tn\u00ed pouze byty v bytov\u00fdch domech, kde lid\u00e9 platili n\u00e1jemn\u00e9 st\u00e1tu, ale rodinn\u00e9 domy byly ve vlastnictv\u00ed ob\u010dan\u016f.Hypot\u00e9ky tedy pova\u017euji za pokra\u010dov\u00e1n\u00ed \u00fav\u011brov\u00e9 politiky, kter\u00e1 umo\u017e\u0148uje lidem z\u00edskat vlastn\u00ed bydlen\u00ed. M\u00e1m takov\u00fd dojem (mo\u017en\u00e1 se m\u00fdl\u00edm), \u017ee pr\u00e1v\u011b doba socialismu zasadila hlubok\u00e9 ko\u0159eny ve formov\u00e1n\u00ed vztahu lid\u00ed k nemovit\u00e9mu majetku. Tehdy toti\u017e prakticky neexistovali bezdomovci, tedy samoz\u0159ejm\u011b tu byly drobn\u00e9 v\u00fdjimky lid\u00ed, kte\u0159\u00ed obch\u00e1zeli z\u00e1kon, jako byli narkomani nebo krimin\u00e1ln\u00ed \u017eivly, co se ukr\u00fdvali p\u0159ed polici\u00ed, nepracovali a byli p\u0159\u00ed\u017eivn\u00edky, ale ka\u017ed\u00fd, kdo pracoval, m\u011bl sv\u00e9 vlastn\u00ed z\u00e1zem\u00ed k dispozici.A pr\u00e1v\u011b vlastn\u00ed z\u00e1zem\u00ed se stalo pro \u010cechy jistotou, kter\u00e1 jim umo\u017e\u0148uje nejen disponovat vlastn\u00ed nemovitost\u00ed, ale z\u00e1rove\u0148 ji zvelebovat, rekonstruovat a m\u011bnit jej\u00ed tv\u00e1\u0159. Na\u0161e zem\u011b se zcela vymyk\u00e1 b\u011b\u017en\u00e9mu pr\u016fm\u011bru z\u00e1padn\u00ed Evropy, kter\u00e1 vyu\u017e\u00edv\u00e1 n\u00e1jemn\u00edho bydlen\u00ed do zna\u010dn\u00e9 m\u00edry. Ve \u0160v\u00fdcarsku je dokonce t\u00e9m\u011b\u0159 60 procent z\u00e1jemc\u016f o n\u00e1jemn\u00ed bydlen\u00ed, zat\u00edmco u n\u00e1s jen zhruba jedna p\u011btina z celkov\u00e9ho po\u010dtu obyvatel.Nebankovn\u00ed hypot\u00e9ku bez registru tedy vn\u00edm\u00e1m jako p\u0159\u00edle\u017eitost k zaji\u0161t\u011bn\u00ed vlastn\u00edho bydlen\u00ed, a\u0165 u\u017e se zaj\u00edm\u00e1te o rodinn\u00e9 domy, rekrea\u010dn\u00ed nemovitosti nebo byty v bytov\u00fdch domech. S hypot\u00e9kou lze tak\u00e9 vypl\u00e1cet spoluvlastnick\u00e9 pod\u00edly u nemovitost\u00ed a americk\u00e1 hypot\u00e9ka dokonce umo\u017e\u0148uje po\u0159\u00eddit na spl\u00e1tky i cokoli jin\u00e9ho, ne\u017e co je ur\u010deno k bydlen\u00ed, nap\u0159\u00edklad n\u011bkter\u00e9 pot\u0159ebn\u00e9 vybaven\u00ed pro podnikatelskou \u010dinnost.                                                                                                                                                                                                                                                                                                                                                                                                  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