[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.prawda.cz\/kdy-je-vyhodnejsi-sahnout-po-nebankovni-hypotece\/#Article","mainEntityOfPage":"https:\/\/www.prawda.cz\/kdy-je-vyhodnejsi-sahnout-po-nebankovni-hypotece\/","headline":"Kdy je v\u00fdhodn\u011bj\u0161\u00ed s\u00e1hnout po nebankovn\u00ed hypot\u00e9ce?","name":"Kdy je v\u00fdhodn\u011bj\u0161\u00ed s\u00e1hnout po nebankovn\u00ed hypot\u00e9ce?","description":"Hypot\u00e9ka pat\u0159\u00ed v sou\u010dasnosti mezi nejobl\u00edben\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty a to i za okolnost\u00ed, kter\u00e9 s sebou p\u0159inesla neust\u00e1le se zvy\u0161uj\u00edc\u00ed inflace. Ka\u017ed\u00fd rok se pro n\u00ed rozhodne tis\u00edce \u010cech\u016f s nej\u010dast\u011bj\u0161\u00edm z\u00e1m\u011brem splnit si sen o vlastn\u00edm bydlen\u00ed. Ceny nemovitost\u00ed rostou ka\u017ed\u00fdm rokem a zvl\u00e1\u0161t\u011b v centrem velk\u00fdch m\u011bst je situace u\u017e dlouho neudr\u017eiteln\u00e1. I […]","datePublished":"2022-01-16","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.prawda.cz\/author\/#Person","name":"","url":"https:\/\/www.prawda.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"prawda.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.prawda.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(9).jpg","url":"https:\/\/www.prawda.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(9).jpg","height":0,"width":0},"url":"https:\/\/www.prawda.cz\/kdy-je-vyhodnejsi-sahnout-po-nebankovni-hypotece\/","about":["Ekonomika"],"wordCount":384,"articleBody":"   Hypot\u00e9ka pat\u0159\u00ed v sou\u010dasnosti mezi nejobl\u00edben\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty a to i za okolnost\u00ed, kter\u00e9 s sebou p\u0159inesla neust\u00e1le se zvy\u0161uj\u00edc\u00ed inflace. Ka\u017ed\u00fd rok se pro n\u00ed rozhodne tis\u00edce \u010cech\u016f s nej\u010dast\u011bj\u0161\u00edm z\u00e1m\u011brem splnit si sen o vlastn\u00edm bydlen\u00ed. Ceny nemovitost\u00ed rostou ka\u017ed\u00fdm rokem a zvl\u00e1\u0161t\u011b v centrem velk\u00fdch m\u011bst je situace u\u017e dlouho neudr\u017eiteln\u00e1. I kdy\u017e se p\u0159edpokl\u00e1dalo, \u017ee celosv\u011btov\u00e1 pandemie tento n\u00e1r\u016fst alespo\u0148 na ur\u010ditou chv\u00edli pozastav\u00ed, nic podobn\u00e9ho se nestalo a ceny nemovitost\u00ed \u010di stavebn\u00edch pozemk\u016f i nad\u00e1le rostou. Banky jsou v p\u0159\u00edpad\u011b hypot\u00e9ky co mo\u017en\u00e1 nejobez\u0159etn\u011bj\u0161\u00ed, i z tohoto d\u016fvodu u\u017e d\u00e1vno neplat\u00ed, \u017ee \u00fav\u011br z\u00edsk\u00e1 ka\u017ed\u00fd, kdo si o n\u011bj p\u0159ijde do banky za\u017e\u00e1dat. D\u016fle\u017eitou roli zde hraje tzv. bilance \u017eadatele, kterou ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f, mj. v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f, dal\u0161\u00ed z\u00e1vazky \u010di z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Pokud je bilance \u017eadatele p\u0159\u00edli\u0161 n\u00edzk\u00e1, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se bude muset s vidinou hypot\u00e9ky, alespo\u0148 t\u00e9 bankovn\u00ed, nadobro rozlou\u010dit. I z tohoto d\u016fvodu v\u0161ak p\u0159ib\u00fdv\u00e1 nab\u00eddek o nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 nab\u00edz\u00ed nap\u0159\u00edklad americkou hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Kontroverznost nebankovn\u00edho sektoruNebankovn\u00ed sektor vzbuzuje ve spoust\u011b lid\u00ed obavy, boj\u00ed se vysok\u00fdch \u00farok\u016f \u010di skryt\u00fdch poplatk\u016f. Po novele z\u00e1kona se ov\u0161em znateln\u011b zlep\u0161ila \u010ditelnost d\u016fle\u017eit\u00fdch podm\u00ednek u nebankovn\u00edch spole\u010dnost\u00ed a v mnoh\u00fdch ohledech jsou jejich nab\u00eddky na \u00fav\u011brov\u00e9 produkty stejn\u011b v\u00fdhodn\u00e9 jako ty bankovn\u00ed. S jednou nespornou v\u00fdhodou, jsou o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Co\u017e uv\u00edtaj\u00ed pr\u00e1v\u011b pro banku rizikov\u00fd \u017eadatel\u00e9, kte\u0159\u00ed p\u0159i \u017e\u00e1dosti tam neusp\u011bli. Nebankovn\u00ed sektor mnohdy neprov\u011b\u0159uje v\u00fd\u0161i p\u0159\u00edjm\u016f \u017eadatele, jeho z\u00e1znamy v registrech \u010di jin\u00e1 negativa, kter\u00e1 jinak ovliv\u0148uj\u00ed samotnou \u017e\u00e1dost. Benevolentnost je p\u0159eci jenom do ur\u010dit\u00e9 m\u00edry vykoupena vy\u0161\u0161\u00ed \u00farokovou sazbou \u010di men\u0161\u00ed v\u00fd\u0161\u00ed p\u016fj\u010den\u00e9ho obnosu pen\u011bz.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je v\u00fdhodn\u011bj\u0161\u00ed s\u00e1hnout po nebankovn\u00ed hypot\u00e9ce?","item":"https:\/\/www.prawda.cz\/kdy-je-vyhodnejsi-sahnout-po-nebankovni-hypotece\/#breadcrumbitem"}]}]