[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ackin.cz\/nebankovni-hypoteka-bez-dolozeni-prijmu-je-beznym-financnim-produktem-na-nasem-trhu\/#Article","mainEntityOfPage":"https:\/\/www.ackin.cz\/nebankovni-hypoteka-bez-dolozeni-prijmu-je-beznym-financnim-produktem-na-nasem-trhu\/","headline":"Nebankovn\u00ed hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je b\u011b\u017en\u00fdm finan\u010dn\u00edm produktem na na\u0161em trhu","name":"Nebankovn\u00ed hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je b\u011b\u017en\u00fdm finan\u010dn\u00edm produktem na na\u0161em trhu","description":"Po\u0159\u00eddit si vlastn\u00ed bydlen\u00ed, nebo platit n\u00e1jem do ciz\u00ed kapsy? K takov\u00e9 \u00favaze v\u00e1m sta\u010d\u00ed jednoduch\u00e9 po\u010dty. Pokud bychom uva\u017eovali nejni\u017e\u0161\u00ed sazby n\u00e1jemn\u00e9ho, kter\u00e9 se pohybuj\u00ed v \u010d\u00e1stk\u00e1ch kolem 5 tis\u00edc korun m\u011bs\u00ed\u010dn\u011b, za rok to d\u011bl\u00e1 60 tis\u00edc korun a za deset let rovn\u00fdch 600 tis\u00edc, a to je zhruba cena dvoupokojov\u00e9ho bytu v […]","datePublished":"2018-04-06","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.ackin.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ackin.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ackin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ackin.cz\/wp-content\/uploads\/img_a315619_w2435_t1526497321.png","url":"https:\/\/www.ackin.cz\/wp-content\/uploads\/img_a315619_w2435_t1526497321.png","height":0,"width":0},"url":"https:\/\/www.ackin.cz\/nebankovni-hypoteka-bez-dolozeni-prijmu-je-beznym-financnim-produktem-na-nasem-trhu\/","about":["Web"],"wordCount":530,"articleBody":"         Po\u0159\u00eddit si vlastn\u00ed bydlen\u00ed, nebo platit n\u00e1jem do ciz\u00ed kapsy? K takov\u00e9 \u00favaze v\u00e1m sta\u010d\u00ed jednoduch\u00e9 po\u010dty. Pokud bychom uva\u017eovali nejni\u017e\u0161\u00ed sazby n\u00e1jemn\u00e9ho, kter\u00e9 se pohybuj\u00ed v \u010d\u00e1stk\u00e1ch kolem 5 tis\u00edc korun m\u011bs\u00ed\u010dn\u011b, za rok to d\u011bl\u00e1 60 tis\u00edc korun a za deset let rovn\u00fdch 600 tis\u00edc, a to je zhruba cena dvoupokojov\u00e9ho bytu v lokalit\u00e1ch, kde jsou v sou\u010dasn\u00e9 dob\u011b ceny n\u00e1jemn\u00e9ho nastaven\u00e9 v t\u011bchto nejni\u017e\u0161\u00edch sazb\u00e1ch. Pokud nem\u00e1te pat\u0159i\u010dnou hotovost, a mlad\u00ed lid\u00e9 ji zpravidla nem\u00edvaj\u00ed, cht\u011bj\u00ed-li zalo\u017eit rodinu a bydlet ve sv\u00e9m, jedin\u00fdm \u0159e\u0161en\u00edm je \u00fav\u011br. Pravda, za ka\u017edou p\u016fj\u010dku n\u011bco p\u0159eplat\u00edte na \u00faroc\u00edch, ov\u0161em nen\u00ed to tolik, co byste vyplatili na n\u00e1jemn\u00e9m. A nav\u00edc mus\u00edte dodr\u017eovat ur\u010dit\u00e9 podm\u00ednky stanoven\u00e9 n\u00e1jemcem. Dal\u0161\u00edm probl\u00e9mem m\u016f\u017ee b\u00fdt situace, \u017ee se pronaj\u00edmatel rozhodne byt prodat, a vy budete muset putovat jinam \u2013 dal\u0161\u00ed n\u00e1klady na st\u011bhov\u00e1n\u00ed a zbyte\u010dn\u00fd stres zajistit si v\u010das ve v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b dal\u0161\u00ed n\u00e1jemn\u00ed smlouvu. Pro\u010d d\u00e1t p\u0159ednost nebankovn\u00edm spole\u010dnostem Bankovn\u00ed \u00fav\u011bry obecn\u011b b\u00fdvaj\u00ed, na rozd\u00edl od t\u011bch nebankovn\u00edch, levn\u011bj\u0161\u00edmi produkty. Je to v\u0161ak podm\u00edn\u011bno celou \u0159adou faktor\u016f. Pro banku je v\u017edy zaj\u00edmav\u00fd klient, kter\u00fd je bonitn\u00ed. Mus\u00ed prok\u00e1zat dostate\u010dnou v\u00fd\u0161i p\u0159\u00edjmu, nesm\u00ed m\u00edt negativn\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, i kdy\u017e je samoz\u0159ejm\u011b v\u0161echno relativn\u00ed a v pr\u016fb\u011bhu n\u011bkolika m\u011bs\u00edc\u016f m\u016f\u017ee b\u00fdt v\u0161echno jinak. Banky se pochopiteln\u011b jist\u00ed z\u00e1stavn\u00edm pr\u00e1vem zadlu\u017een\u00e9 nemovitosti a p\u016fj\u010duj\u00ed obnos pouze do ur\u010dit\u00e9 v\u00fd\u0161e, zhruba do 70 procent jej\u00ed re\u00e1ln\u00e9 tr\u017en\u00ed hodnoty zji\u0161t\u011bn\u00e9 bankovn\u00edm (intern\u00edm) odhadcem. U nebankovn\u00edch spole\u010dnost\u00ed v\u00e1s \u010dek\u00e1 v n\u011bkter\u00fdch aspektech postup odli\u0161n\u00fd. V\u011bt\u0161ina z nich nenahl\u00ed\u017e\u00ed do registr\u016f a re\u00e1ln\u00e1 je i hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f. Jestli\u017ee se klient dostane v pr\u016fb\u011bhu spl\u00e1cen\u00ed bankovn\u00ed hypot\u00e9ky do finan\u010dn\u00edch pot\u00ed\u017e\u00ed, banka jej po n\u011bkolika upom\u00ednk\u00e1ch zaznamen\u00e1 do registru dlu\u017en\u00edk\u016f. Nebankovn\u00ed instituce se naopak sna\u017e\u00ed takovou situaci \u0159e\u0161it pru\u017en\u011b \u2013 spl\u00e1tky se daj\u00ed odlo\u017eit, nav\u00edc je mo\u017en\u00e9 \u00fav\u011br splatit bez sankc\u00ed p\u0159ed\u010dasn\u011b, nebo uhradit n\u011bkolik spl\u00e1tek najednou a t\u00edm vytvo\u0159it finan\u010dn\u00ed rezervu do budoucna. V z\u00e1sad\u011b tedy plat\u00ed, \u017ee nebankovn\u00ed hypot\u00e9ky jsou nepatrn\u011b dra\u017e\u0161\u00ed ve srovn\u00e1n\u00ed s bankovn\u00edmi produkty, ale s klientem se zpravidla jedn\u00e1 charaktern\u011bj\u0161\u00edm zp\u016fsobem. Odborn\u00edci v\u0161ak rad\u00ed dodr\u017eet zlat\u00e9 pravidlo \u2013 p\u0159edem rozmyslet, zda budu schopen hypot\u00e9ku spl\u00e1cet, p\u0159ece jen je to dlouhodob\u00fd proces. A tak\u00e9 pe\u010dliv\u011b prostudovat smluvn\u00ed podm\u00ednky je\u0161t\u011b p\u0159ed podpisem smlouvy.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je b\u011b\u017en\u00fdm finan\u010dn\u00edm produktem na na\u0161em trhu","item":"https:\/\/www.ackin.cz\/nebankovni-hypoteka-bez-dolozeni-prijmu-je-beznym-financnim-produktem-na-nasem-trhu\/#breadcrumbitem"}]}]