It's like saying "you've got a real nasty habit". I think the "you got there" phrase creates a distance between the speaker and the subject (ie. the nasty habit, which is not "here", but "there"). It's as though the speaker is not involved, but merely an observer. You can use this in a positive sense as well: "that's a real purty(=pretty) house you got there". It's not really "standard English". This phrase makes me think of Wild West movies.

It means that you possess a nasty habit eg spitting or picking your nose in public

it means ''you get a terrible habit'' i think

That is a real nasty habit you have got there. “You have got" is regularly shortened to the slang "you got". there = そこに