{"id":1548,"date":"2026-06-25T19:41:49","date_gmt":"2026-06-25T17:41:49","guid":{"rendered":"https:\/\/strategie24.cz\/?p=1548"},"modified":"2026-06-25T19:41:49","modified_gmt":"2026-06-25T17:41:49","slug":"chata-jako-cerna-dira-na-penize-tyhle-veci-majitele-prekvapi-az-po-koupi","status":"publish","type":"post","link":"https:\/\/strategie24.cz\/?p=1548","title":{"rendered":"Chata jako \u010dern\u00e1 d\u00edra na pen\u00edze? Tyhle v\u011bci majitele p\u0159ekvap\u00ed a\u017e po koupi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Koup\u011b chaty nebo chalupy b\u00fdv\u00e1 pro mnoho lid\u00ed spln\u011bn\u00fdm snem. P\u0159edstavuj\u00ed si v\u00edkendy na zahrad\u011b, sn\u00eddan\u011b na terase a m\u00edsto, kam mohou ut\u00e9ct p\u0159ed ka\u017edodenn\u00edm shonem. Jen\u017ee mezi p\u0159edstavou a realitou b\u00fdv\u00e1 n\u011bkdy docela velk\u00fd rozd\u00edl. Kupn\u00ed cena toti\u017e \u010dasto p\u0159edstavuje jen prvn\u00ed \u010d\u00e1st celkov\u00fdch n\u00e1klad\u016f. Mnoho v\u00fddaj\u016f se objev\u00ed a\u017e ve chv\u00edli, kdy \u010dlov\u011bk za\u010dne nemovitost skute\u010dn\u011b pou\u017e\u00edvat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Prvn\u00ed v\u00edkend na chalup\u011b \u010dasto odhal\u00ed v\u00edc ne\u017e prohl\u00eddka s realitn\u00edm makl\u00e9\u0159em<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i prohl\u00eddce v\u011bt\u0161inou v\u0161echno vypad\u00e1 dob\u0159e. Tr\u00e1va je posekan\u00e1, zahrada uklizen\u00e1 a majitel samoz\u0159ejm\u011b upozorn\u00ed hlavn\u011b na p\u0159ednosti nemovitosti. Teprve prvn\u00ed v\u00edkend uk\u00e1\u017ee, jak\u00fd stav objektu skute\u010dn\u011b je.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Najednou zjist\u00edte, \u017ee n\u011bkter\u00e1 okna nejdou po\u0159\u00e1dn\u011b zav\u0159\u00edt, v koupeln\u011b se objev\u00ed z\u00e1pach ze star\u00e9ho odpadu, po siln\u011bj\u0161\u00edm de\u0161ti se uk\u00e1\u017ee vlhk\u00fd roh v lo\u017enici a kdy\u017e chcete napustit baz\u00e9nek pro d\u011bti, zjist\u00edte, \u017ee studna nem\u00e1 takov\u00fd v\u00fdkon, jak jste o\u010dek\u00e1vali.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tyto drobn\u00e9 z\u00e1vady b\u00fdvaj\u00ed \u010dasto zr\u00e1dn\u00e9. Jedna velk\u00e1 oprava je viditeln\u00e1 a \u010dlov\u011bk s n\u00ed po\u010d\u00edt\u00e1. Des\u00edtky mal\u00fdch probl\u00e9m\u016f v\u0161ak dok\u00e1\u017eou b\u011bhem n\u011bkolika m\u011bs\u00edc\u016f spolknout p\u0159ekvapiv\u011b vysokou \u010d\u00e1stku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sv\u00e9 o tom v\u011bd\u00ed i lid\u00e9, kte\u0159\u00ed kupovali chalupu po rekonstrukci. Nov\u00e1 fas\u00e1da nebo modern\u00ed koupelna toti\u017e je\u0161t\u011b neznamenaj\u00ed, \u017ee je v po\u0159\u00e1dku v\u0161e ostatn\u00ed. N\u011bkdy se a\u017e p\u0159i b\u011b\u017en\u00e9m provozu uk\u00e1\u017ee, \u017ee elektrick\u00e9 rozvody pamatuj\u00ed n\u011bkolik generac\u00ed majitel\u016f, odpad se \u010dasto ucp\u00e1v\u00e1 nebo \u017ee \u010d\u00e1st oprav p\u0159edchoz\u00ed majitel vy\u0159e\u0161il sp\u00ed\u0161e kosmeticky ne\u017e skute\u010dn\u011b kvalitn\u011b. Proto se vyplat\u00ed nechat si po koupi ur\u010ditou finan\u010dn\u00ed rezervu a neutratit v\u0161echny \u00faspory hned p\u0159i podpisu smlouvy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nejv\u011bt\u0161\u00ed polo\u017eky \u010dasto nejsou uvnit\u0159 domu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e lid\u00e9 pl\u00e1nuj\u00ed rozpo\u010det na chalupu, soust\u0159ed\u00ed se hlavn\u011b na interi\u00e9r. P\u0159em\u00fd\u0161lej\u00ed o nov\u00e9 kuchyni, koupeln\u011b nebo podlah\u00e1ch. Jen\u017ee velk\u00e9 v\u00fddaje \u010dasto \u010dekaj\u00ed venku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Star\u00fd plot m\u016f\u017ee vydr\u017eet je\u0161t\u011b rok nebo dva, ale pak p\u0159ijde okam\u017eik, kdy bude pot\u0159eba jeho kompletn\u00ed v\u00fdm\u011bna. Podobn\u011b funguj\u00ed p\u0159\u00edjezdov\u00e9 cesty, op\u011brn\u00e9 zdi nebo st\u0159echy na hospod\u00e1\u0159sk\u00fdch budov\u00e1ch. Na prvn\u00ed pohled nevypadaj\u00ed \u0161patn\u011b, ale jejich oprava b\u00fdv\u00e1 v\u00fdrazn\u011b dra\u017e\u0161\u00ed ne\u017e n\u00e1kup nov\u00e9ho n\u00e1bytku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K tomu se p\u0159id\u00e1vaj\u00ed ka\u017edoro\u010dn\u00ed n\u00e1klady na pozemek:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sek\u00e1n\u00ed tr\u00e1vy,<\/li>\n\n\n\n<li>pro\u0159ez strom\u016f,<\/li>\n\n\n\n<li>opravy oplocen\u00ed,<\/li>\n\n\n\n<li>\u00fadr\u017eba studny,<\/li>\n\n\n\n<li>odvoz biologick\u00e9ho odpadu.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Samostatn\u011b nejde o z\u00e1vratn\u00e9 \u010d\u00e1stky. Kdy\u017e se ale se\u010dtou za cel\u00fd rok, v\u00fdsledn\u00e1 suma \u010dasto p\u0159ekvap\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Chalupa um\u00ed spolknout ka\u017ed\u00fd voln\u00fd v\u00edkend<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1lokdo o tom mluv\u00ed p\u0159ed koup\u00ed. Mnoho chalup\u00e1\u0159\u016f v\u0161ak \u010dasem zjist\u00ed, \u017ee nejde jen o pen\u00edze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na za\u010d\u00e1tku si \u010dlov\u011bk sep\u00ed\u0161e n\u011bkolik drobnost\u00ed, kter\u00e9 chce opravit. Nat\u0159\u00edt pergolu, vym\u011bnit dve\u0159e u sklepa, opravit schody. Jen\u017ee seznam se obvykle nezkracuje, ale naopak roste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile dokon\u010d\u00edte jednu pr\u00e1ci, objev\u00ed se dal\u0161\u00ed. Star\u0161\u00ed nemovitosti funguj\u00ed trochu jako \u017eiv\u00fd organismus a neust\u00e1le pot\u0159ebuj\u00ed n\u011bjakou p\u00e9\u010di. N\u011bkte\u0159\u00ed majitel\u00e9 si po n\u011bkolika letech uv\u011bdom\u00ed, \u017ee na chalup\u011b tr\u00e1v\u00ed v\u011bt\u0161inu voln\u00fdch v\u00edkend\u016f prac\u00ed m\u00edsto odpo\u010dinku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pom\u00e1h\u00e1 stanovit si priority. Ne v\u0161echno mus\u00ed b\u00fdt hotov\u00e9 b\u011bhem prvn\u00edho roku. N\u011bkter\u00e9 opravy skute\u010dn\u011b po\u010dkaj\u00ed a nen\u00ed ostuda je odlo\u017eit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nen\u00e1padn\u00e9 provozn\u00ed n\u00e1klady, kter\u00e9 se opakuj\u00ed ka\u017ed\u00fd rok<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed p\u0159ekvapen\u00ed p\u0159ich\u00e1z\u00ed ve chv\u00edli, kdy si \u010dlov\u011bk spo\u010d\u00edt\u00e1 pravideln\u00e9 v\u00fddaje. Ty b\u00fdvaj\u00ed m\u00e9n\u011b viditeln\u00e9 ne\u017e rekonstrukce, ale pr\u00e1v\u011b proto je mnoho lid\u00ed podce\u0148uje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vedle poji\u0161t\u011bn\u00ed a energi\u00ed je pot\u0159eba po\u010d\u00edtat tak\u00e9 s v\u00fddaji na \u00fadr\u017ebu techniky, v\u00fdvoz septiku, pravideln\u00e9 \u010di\u0161t\u011bn\u00ed kom\u00edna nebo o\u0161et\u0159en\u00ed d\u0159ev\u011bn\u00fdch \u010d\u00e1st\u00ed stavby. Nejde o vysok\u00e9 jednor\u00e1zov\u00e9 \u010d\u00e1stky, ale o n\u00e1klady, kter\u00e9 se vracej\u00ed rok co rok. Kdy\u017e je \u010dlov\u011bk sleduje jednotliv\u011b, \u010dasto nad nimi m\u00e1vne rukou. Teprve p\u0159i pohledu na celkov\u00e9 v\u00fddaje za n\u011bkolik sezon zjist\u00ed, kolik pen\u011bz ve skute\u010dnosti spolykaly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Specifickou kapitolou jsou tak\u00e9 v\u00fddaje spojen\u00e9 s del\u0161\u00ed nep\u0159\u00edtomnost\u00ed. Pokud na chalupu jezd\u00edte jen o v\u00edkendech nebo n\u011bkolikr\u00e1t do roka, \u010dasto zaplat\u00edte za pravideln\u00e9 kontroly objektu, zazimov\u00e1n\u00ed nebo drobn\u00e9 pr\u00e1ce, kter\u00e9 byste u domu, ve kter\u00e9m bydl\u00edte ka\u017ed\u00fd den, zvl\u00e1dli sami.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy\u017e se pokaz\u00ed n\u011bco, co nejde odlo\u017eit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u011bt\u0161\u00ed probl\u00e9m nep\u0159edstavuj\u00ed pl\u00e1novan\u00e9 opravy, na ty se lze p\u0159ipravit. Hor\u0161\u00ed jsou situace, kter\u00e9 p\u0159ijdou bez varov\u00e1n\u00ed a nav\u00edc je nutn\u00e9 je vy\u0159e\u0161it hned.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siln\u00fd v\u00edtr po\u0161kod\u00ed st\u0159echu, \u010derpadlo ve studni vypov\u00ed slu\u017ebu b\u011bhem letn\u00edch pr\u00e1zdnin, star\u00e9 vodovodn\u00ed potrub\u00ed praskne pr\u00e1v\u011b ve chv\u00edli, kdy p\u0159ijedete na prodlou\u017een\u00fd v\u00edkend. A pokud stoj\u00ed chalupa v bl\u00edzkosti lesa, m\u016f\u017ee \u0161kody zp\u016fsobit i spadl\u00fd strom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vyplat\u00ed se proto vytv\u00e1\u0159et si rezervu p\u0159\u00edmo pro tuto rekrea\u010dn\u00ed nemovitost. Ide\u00e1ln\u011b odd\u011blenou od b\u011b\u017en\u00fdch rodinn\u00fdch \u00faspor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Praktick\u00e9 je rozd\u011blit ji na t\u0159i \u010d\u00e1sti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>prost\u0159edky na b\u011b\u017enou \u00fadr\u017ebu,<\/li>\n\n\n\n<li>pen\u00edze na hav\u00e1rie a ne\u010dekan\u00e9 opravy,<\/li>\n\n\n\n<li>finance na budouc\u00ed vybaven\u00ed a modernizaci.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00edky tomu \u010dlov\u011bka nep\u0159ekvap\u00ed ka\u017ed\u00e1 v\u011bt\u0161\u00ed faktura.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nejdra\u017e\u0161\u00ed b\u00fdv\u00e1 o\u010dek\u00e1v\u00e1n\u00ed, \u017ee u\u017e nebude pot\u0159eba nic investovat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mnoho lid\u00ed si p\u0159i koupi \u0159ekne, \u017ee po jedn\u00e9 v\u011bt\u0161\u00ed rekonstrukci budou m\u00edt na dlouh\u00e9 roky klid. U star\u0161\u00edch chat a chalup to v\u0161ak v\u011bt\u0161inou nefunguje. To ale neznamen\u00e1, \u017ee je koup\u011b chalupy \u0161patnou investic\u00ed. Jen je pot\u0159eba d\u00edvat se na ni realisticky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pom\u00e1h\u00e1 nastavit si p\u0159edem finan\u010dn\u00ed limity. Rozhodnout se, kolik pen\u011bz chcete do nemovitosti investovat ka\u017ed\u00fd rok a kter\u00e9 projekty u\u017e pro v\u00e1s ned\u00e1vaj\u00ed smysl. Pr\u00e1v\u011b nedostatek t\u011bchto hranic b\u00fdv\u00e1 d\u016fvodem, pro\u010d se z p\u0159\u00edjemn\u00e9ho kon\u00ed\u010dku stane nikdy nekon\u010d\u00edc\u00ed rekonstrukce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud se objev\u00ed v\u011bt\u0161\u00ed oprava, kterou nelze odlo\u017eit, n\u011bkte\u0159\u00ed majitel\u00e9 \u0159e\u0161\u00ed financov\u00e1n\u00ed tak\u00e9 prost\u0159ednictv\u00edm slu\u017eeb jako je tady: <a href=\"https:\/\/razdvapujcka.cz\/pujcky\/pujcka-online\">https:\/\/razdvapujcka.cz\/pujcky\/pujcka-online<\/a>. D\u016fle\u017eit\u00e9 ale je po\u010d\u00edtat s podobn\u00fdmi situacemi u\u017e ve chv\u00edli, kdy nemovitost kupujete.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chata nebo chalupa dok\u00e1\u017ee p\u0159in\u00e1\u0161et radost dlouh\u00e9 roky. Jen nen\u00ed dobr\u00e9 podlehnout p\u0159edstav\u011b, \u017ee po podpisu kupn\u00ed smlouvy u\u017e budou n\u00e1sledovat pouze pohodov\u00e9 v\u00edkendy. Ve skute\u010dnosti jde o dal\u0161\u00ed nemovitost, kter\u00e1 bude pot\u0159ebovat \u010das, p\u00e9\u010di a samoz\u0159ejm\u011b i pen\u00edze. Pr\u00e1v\u011b lid\u00e9, kte\u0159\u00ed s t\u00edm po\u010d\u00edtaj\u00ed od za\u010d\u00e1tku, b\u00fdvaj\u00ed nakonec nejspokojen\u011bj\u0161\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Koup\u011b chaty nebo chalupy b\u00fdv\u00e1 pro mnoho lid\u00ed spln\u011bn\u00fdm snem. P\u0159edstavuj\u00ed si v\u00edkendy na zahrad\u011b, sn\u00eddan\u011b na terase a m\u00edsto, kam mohou ut\u00e9ct p\u0159ed ka\u017edodenn\u00edm shonem. Jen\u017ee mezi p\u0159edstavou a realitou b\u00fdv\u00e1 n\u011bkdy docela velk\u00fd rozd\u00edl. Kupn\u00ed cena toti\u017e \u010dasto p\u0159edstavuje jen prvn\u00ed \u010d\u00e1st celkov\u00fdch n\u00e1klad\u016f. Mnoho v\u00fddaj\u016f se objev\u00ed a\u017e ve chv\u00edli, kdy \u010dlov\u011bk [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1549,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[444],"tags":[],"class_list":["post-1548","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1548"}],"version-history":[{"count":1,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1548\/revisions"}],"predecessor-version":[{"id":1550,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1548\/revisions\/1550"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/media\/1549"}],"wp:attachment":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}