[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.prawda.cz\/proc-financni-subjekty-poskytuji-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.prawda.cz\/proc-financni-subjekty-poskytuji-nebankovni-hypoteky\/","headline":"Pro\u010d finan\u010dn\u00ed subjekty poskytuj\u00ed nebankovn\u00ed hypot\u00e9ky","name":"Pro\u010d finan\u010dn\u00ed subjekty poskytuj\u00ed nebankovn\u00ed hypot\u00e9ky","description":"Je pom\u011brn\u011b jasn\u00e9, \u017ee jedn\u00edm ze sn\u016f p\u0159edev\u0161\u00edm mlad\u00fdch lid\u00ed je m\u00edt sv\u00e9 vlastn\u00ed bydlen\u00ed. A nez\u00e1le\u017e\u00ed p\u0159\u00edli\u0161 na tom, zda se jedn\u00e1 o d\u016fm \u010di byt. V\u00fdhody jsou toti\u017e nesporn\u00e9, p\u0159edev\u0161\u00edm tedy ta, \u017ee nen\u00ed nutn\u00e9 m\u011bs\u00ed\u010dn\u011b platit za to, \u017ee m\u016f\u017eeme danou nemovitost vyu\u017e\u00edvat, a tak\u00e9 se nemus\u00edme b\u00e1t, \u017ee n\u00e1m n\u00e1jemce neprodlou\u017e\u00ed […]","datePublished":"2020-08-15","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\/hypoteka4_10_10_2.jpg","url":"https:\/\/www.prawda.cz\/wp-content\/uploads\/hypoteka4_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.prawda.cz\/proc-financni-subjekty-poskytuji-nebankovni-hypoteky\/","about":["D\u016fm a zahrada"],"wordCount":447,"articleBody":"   Je pom\u011brn\u011b jasn\u00e9, \u017ee jedn\u00edm ze sn\u016f p\u0159edev\u0161\u00edm mlad\u00fdch lid\u00ed je m\u00edt sv\u00e9 vlastn\u00ed bydlen\u00ed. A nez\u00e1le\u017e\u00ed p\u0159\u00edli\u0161 na tom, zda se jedn\u00e1 o d\u016fm \u010di byt. V\u00fdhody jsou toti\u017e nesporn\u00e9, p\u0159edev\u0161\u00edm tedy ta, \u017ee nen\u00ed nutn\u00e9 m\u011bs\u00ed\u010dn\u011b platit za to, \u017ee m\u016f\u017eeme danou nemovitost vyu\u017e\u00edvat, a tak\u00e9 se nemus\u00edme b\u00e1t, \u017ee n\u00e1m n\u00e1jemce neprodlou\u017e\u00ed smlouvu.Je v\u0161ak tak fakt, \u017ee ceny nemovitost\u00ed nejsou zrovna nejmen\u0161\u00ed. Pokud k tomu p\u0159id\u00e1me fakt, \u017ee ty skute\u010dn\u011b dobr\u00e9 jsou hned pry\u010d a v nab\u00eddce z\u016fst\u00e1vaj\u00ed pouze ty, na nich\u017e je n\u00e1sledn\u011b je\u0161t\u011b spousta pr\u00e1ce, je jasn\u00e9, \u017ee b\u011b\u017en\u00fd \u010dlov\u011bk nem\u00e1 prakticky \u0161anci s\u00e1m n\u011bjakou po\u0159\u00eddit, tedy pokud mu rodi\u010de ji\u017e od mala pro tento \u00fa\u010del ne\u0161et\u0159ili.Na\u0161t\u011bst\u00ed je zde \u0159e\u0161en\u00ed ve form\u011b hypot\u00e9ky. Jedn\u00e1 se o \u00fa\u010delovou p\u016fj\u010dku, ur\u010denou ke koupi \u010di rekonstrukci konkr\u00e9tn\u00ed, p\u0159edem dan\u00e9 nemovitosti. V sou\u010dasnosti jde o nejb\u011b\u017en\u011bj\u0161\u00ed zp\u016fsob financov\u00e1n\u00ed koup\u011b vlastn\u00edho bydlen\u00ed. Je poskytov\u00e1na jak bankovn\u00edmi, tak nebankovn\u00edmi spole\u010dnostmi.To se m\u016f\u017ee zd\u00e1t zvl\u00e1\u0161tn\u00ed \u2013 p\u0159eci jen, skute\u010dn\u011b se vyplat\u00ed poskytovat nebankovn\u00ed hypot\u00e9ky? Tento typ p\u016fj\u010dek je toti\u017e i dnes pova\u017eov\u00e1n za v\u00fdsadn\u00ed dom\u00e9nu bank. Na ty nebankovn\u00ed je pak obvykle hled\u011bno s ned\u016fv\u011brou. Jak tedy p\u0159esv\u011bd\u010duj\u00ed sv\u00e9 z\u00e1kazn\u00edky, aby si tento produkt vzali?Odpov\u011b\u010f je pom\u011brn\u011b jednoduch\u00e1: maj\u00ed takov\u00e9 podm\u00ednky, kter\u00e9 banky nemohou stanovit. Nejde zde o v\u00fd\u0161i \u00farok\u016f \u010di poplatk\u016f \u2013 v tomto ohledu je bankovn\u00ed hypot\u00e9ka v\u00fdhodn\u011bj\u0161\u00ed, ale sp\u00ed\u0161e o to, co je nutn\u00e9 ke schv\u00e1len\u00ed \u017e\u00e1dosti.To je toti\u017e pom\u011brn\u011b slo\u017eit\u00fd proces, kter\u00fd m\u00e1 zajistit, \u017ee \u017eadatel bude schopen dohodnutou \u010d\u00e1stku skute\u010dn\u011b spl\u00e1cet, a to i v p\u0159\u00edpad\u011b, \u017ee se jeho finan\u010dn\u00ed situace kr\u00e1tkodob\u011b zhor\u0161\u00ed. To v\u0161ak znamen\u00e1, \u017ee mnoho \u017eadatel\u016f, p\u0159edev\u0161\u00edm t\u011bch s ni\u017e\u0161\u00edm p\u0159\u00edjmem, bude odm\u00edtnuto.Nebankovn\u00ed hypot\u00e9ky jsou tak prakticky jedin\u00e1 mo\u017enost, jak mohou na vlastn\u00ed bydlen\u00ed dos\u00e1hnout. A z tohoto faktu firmy velmi t\u011b\u017e\u00ed. I to je d\u016fvod, pro\u010d si mohou dovolit m\u00edt vy\u0161\u0161\u00ed \u00faroky ne\u017e banky \u2013 v\u011bt\u0161ina jejich klient\u016f by byla v bance odm\u00edtnuta.Nakonec z\u00e1le\u017e\u00ed na v\u00e1s, na koho se obr\u00e1t\u00edte. Jen v\u017edy pe\u010dliv\u011b v\u0161e zva\u017ete, a\u0165 pozd\u011bji nelitujete.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d finan\u010dn\u00ed subjekty poskytuj\u00ed nebankovn\u00ed hypot\u00e9ky","item":"https:\/\/www.prawda.cz\/proc-financni-subjekty-poskytuji-nebankovni-hypoteky\/#breadcrumbitem"}]}]