Antwort Jak získat hypotéku na družstevní byt? Weitere Antworten – Jak dostat hypotéku na druzstevni byt

Jak získat hypotéku na družstevní byt?
Pokud chce klient získat hypotéku na družstevní byt a nemá k zástavě jinou nemovitost, musí zažádat o předhypoteční úvěr a o klasickou hypotéku může požádat až po přepsání nemovitosti do osobního vlastnictví. Samotný družstevní byt totiž jako zástavu použít nelze.Družstevní byt můžete financovat pomocí Předhypotečního úvěru. Pro jeho sjednání nepotřebujete žádnou další nemovitost jako zástavu. Po zřízení zástavního práva budete Předhypoteční úvěr splácet prostřednictvím navazující hypotéky, kterou si sjednáte společně s Předhypotečním úvěrem.Pokud chcete podnajmout družstevní byt, je nutné se řídit nejen zákonem, ale také stanovami družstva a nájemní smlouvou. Je třeba družstvo předem požádat o písemný souhlas s podnájmem, jinak byste porušili povinnosti nájemce závažným způsobem a hrozilo by, že byste mohli být v krajním případě z družstva vyloučeni.

Jak koupit byt bez hypotéky : Zřejmě nejjednodušším způsobem, jak získat finance na nové bydlení, je prodej jiné nemovitosti. Není tajemstvím, že pro prodávající je navíc zájemce s hotovostí mnohem lákavější než člověk, který čeká na hypotéku. Prodávat nemusíte jen dům nebo byt. Nabízí se možnost prodeje zahrádky nebo například garáže.

Jak funguje nákup druzstevniho bytu

Kdy lze převést družstevní byt do osobního vlastnictví : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;co
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V praxi je základní podmínkou splacení tzv.

Jedná se o část úvěru, který si družstvo vzalo typicky na výstavbu domu, případně jeho rekonstrukci. Poměrná část úveru připadá na jednotlivé bytové jednotky a bez jejího splacení nelze byt do osobního vlastnictví převést.
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Člen družstva je vlastníkem podílu, nikoli bytu.
Družstevní byt nelze použít jako zástavu.
Užívací právo k bytu nemusí být vždy nesporné
S družstevním bytem můžou být spojeny dluhy.
Převod družstevního bytu do osobního vlastnictví

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.wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-weight:500}@media (forced-colors:active){.fm06If .ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}}.IiOSLb .rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px}
V případě nákupu bytu pro osobní užívání je odpověď jasná. Družstevní byt je ideální pro každého, kdo nechce řešit jeho údržbu, nepotřebuje k jeho nákupu hypotéku nebo ho v budoucnu nehodlá zastavit a ani nepotřebuje plnou moc v rozhodování o tomto majetku. Pro ty ostatní je lepší volbou byt v osobním vlastnictvím.
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Jak převést družstevní byt do osobního vlastnictví

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Jak převést družstevní byt do osobního vlastnictví Aby mohlo být rozhodnuto o záměru převodu bytů do osobního vlastnictví, je zapotřebí podat žádost představenstvu bytového družstva. Představenstvo bytového družstva by mělo vaši žádost zpracovat a zařadit ji jako bod k projednání na členské schůzi.
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Jednou z nich je stavební spoření. Nefunguje to však tak, že se rozhodnete koupit nemovitost a přitom založíte stavební spoření a kupujete. Před koupí je nutné spořit na stavebním spoření alespoň dva roky a za tuto dobu naspořit alespoň 30 % z cílové částky.
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Hypotéka vs.

K financování nemovitosti se spíše hodí hypotéka, která je z dlouhodobého hlediska výhodnější a můžete jí sjednat i na dobu delší 30 let. Spotřebitelský úvěr se pak hodí ve chvíli, kdy si potřebujete půjčit menší obnos peněz a na kratší dobu. Nejčastěji si peníze můžete vypůjčit až na 10 let.
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Splacení anuity.
Zajištění souhlasu družstva s převodem bytu do osobního vlastnictví
Doručení prohlášení vlastníka na katastr (zařizuje družstvo)
Sepsání smlouvy o převodu bytové jednotky.
Vklad vlastnického práva do katastru nemovitostí

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Na základě smlouvy musí proběhnout vklad vlastnického práva do katastru nemovitostí. Tento může zařídit družstvo, ale ten, kdo platí poplatek za převod (respektive za tento vklad), je nový majitel. Poplatek činí 2000 Kč.
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Jak z družstevního bytu do osobního vlastnictví : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#
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Jak převést družstevní byt do osobního vlastnictví Aby mohlo být rozhodnuto o záměru převodu bytů do osobního vlastnictví, je zapotřebí podat žádost představenstvu bytového družstva. Představenstvo bytového družstva by mělo vaši žádost zpracovat a zařadit ji jako bod k projednání na členské schůzi.
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Co obnáší koupě družstevního bytu

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Družstevní byt není koupí. Je převodem členský práv a povinností s právem nájmu bytu za předem dohodnutou částku. Majitelem bytové jednotky na listu vlastnictví stále zůstává předmětné družstvo. Byt v osobním vlastnictví je skutečným prodejem bytu se zápisem nových majitelů do katastru nemovitostí.
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Členové bytového družstva platí každý měsíc nájemné, kde jsou zahrnuty poplatky na fond oprav, služby a pokud je nemovitost zadlužena, tak se přispívá i na splátku anuity. Vše kromě oprav v bytě hradí družstvo.
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0px}.CBvvz{margin:-30px 0px 0px}Postup převedení hypotéky na jinou nemovitost

žádost o výměnu nemovitosti v zástavě
odhad nemovitosti.
výpis z Katastru nemovitostí společně se snímkem katastrální mapy.
prohlášení současného majitele o tom, že banka může na nemovitosti mít zástavní právo.

Kdy se vyplatí refinancovat hypotéku : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-weigh
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Ideální je refinancování načasovat na výročí fixace, protože splacení starého závazku máte v tu dobu zdarma. Samotného refinancování se nemusíte obávat, je administrativně jednodušší než sjednání nové hypotéky.
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