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Kalkulačky · Doporučení · AI personalizace

AI doporučení nemovitostí 2026

Property recommendation engine — hyper-personalization based on financial profile + lifestyle preferences + life stage. Explainable weighted scoring (vs black-box ML) — transparent matching algorithm s rationale + warnings per archetype. 6 PropertyArchetype: urban-apartment, periphery-apartment, townhouse-rowhouse, family-house, cooperative-share, investment-rental. Match score 0-100 + estimated price range + monthly cost projection.

6 PropertyArchetype profiles

  • • Urban-apartment: city center byt 1+kk-3+kk, 4-12M Kč. Best pro young singles/couples + walking/transit + careers central.
  • • Periphery-apartment: suburban byt 2+kk-4+kk, 3-7M Kč. Best pro families + commute tolerance + cost priority.
  • • Townhouse-rowhouse: řadovka/klínovka, 6-12M Kč. Best pro starting families + middle ground apartment vs house.
  • • Family-house: rodinný dům 4+1/5+1 + zahrada, 8-25M Kč. Best pro 2+ dětí + long-term stay + commute tolerance.
  • • Cooperative-share: bytové družstvo podíl, 2,5-8M Kč. Best pro limited equity + long-term stay + flexibility on ownership rights.
  • • Investment-rental: pro pronájem investice, 3,5-8M Kč. Best pro high income + rental yield priority + diversification.

Scoring factors

  • • LifeStage: 6 stages — young-single, young-couple, family-with-kids, empty-nester, pre-retirement, retirement
  • • CommutePreference: walking-only, public-transit, short-drive, long-commute-ok, remote-flexible
  • • FinancialPriority: minimum-cost, cash-flow-friendly, long-term-value, rental-yield, lifestyle-priority, flexibility
  • • RiskTolerance 0-100: low (< 30) avoids investment, high (> 70) includes commercial/development
  • • OwnershipPreference 0-100: high (80+) prefers vlastnictví, low (< 50) flexible to rental/cooperative
  • • Children count: 0 → urban OK, 1-2 → periphery/townhouse, 3+ → family-house priority

Borrowing capacity calculation

ČNB Doporučení 1/2022 simplified — DSTI 45 % limit applied to monthly income, 25-year mortgage, 5 % rate. Borrowing capacity = max payment × annuity factor. Total purchasing power = borrowing capacity + savings − existing debt.

Example: 100k Kč/měs net income → 45k DSTI capacity → 6,9M Kč mortgage capacity. Plus 1,5M savings = 8,4M Kč total purchasing power. Maps to urban/periphery apartment OR starter family-house range.

Why explainable scoring vs ML

ML black-box recommendations face transparency + regulatory issues v EU/ČR (GDPR Article 22 automated decision-making). Jistybyt uses explainable weighted scoring — every match score includes rationale + warnings, allowing users to understand WHY recommendation generated. Future enhancement: vector embeddings + collaborative filtering maintaining explainability.

5 chyb při výběru nemovitosti

  • • Skip life stage analysis — young-single buying family-house = poor fit, life stage misaligned.
  • • Ignore commute preference — buying remote location with transit-only preference = daily friction.
  • • Borrow at maximum capacity — DSTI 50 % max ne 50 % comfortable. Aim 30-35 % comfort zone.
  • • Ignore children growth — 1 child → 2 children planning = need extra bedroom + green space.
  • • Mix investment vs primary housing — investment-rental needs ownership mindset, primary housing needs lifestyle fit.

Související nástroje

AI doporučení nemovitostí 2026 — hyper-personalizace per profil · Jistybyt