[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kotech.cz\/resenim-slozite-financni-situace-je-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.kotech.cz\/resenim-slozite-financni-situace-je-nebankovni-hypoteka\/","headline":"\u0158e\u0161en\u00edm slo\u017eit\u00e9 finan\u010dn\u00ed situace je nebankovn\u00ed hypot\u00e9ka","name":"\u0158e\u0161en\u00edm slo\u017eit\u00e9 finan\u010dn\u00ed situace je nebankovn\u00ed hypot\u00e9ka","description":"Nedostatek financ\u00ed tr\u00e1p\u00ed nemalou \u010d\u00e1st na\u0161\u00ed populace. N\u00edzk\u00e9 p\u0159\u00edjmy, vysok\u00e9 \u017eivotn\u00ed n\u00e1klady, chu\u0165 n\u011bco hezk\u00e9ho si po\u0159\u00eddit, i p\u0159esto, \u017ee na to nem\u00e1m. Nebo naopak dluhy \u010di hroz\u00edc\u00ed exekuce kv\u016fli dluh\u016fm, to v\u0161echno m\u00e1 negativn\u00ed dopad na n\u00e1\u0161 \u017eivot a m\u016f\u017ee to ovliv\u0148ovat n\u00e1\u0161 \u00fasudek. Nem\u011bjte ho zkreslen\u00fd https:\/\/cs.bab.la\/slovnik\/cesky-anglicky\/%25C3%25BAsudek \u0159e\u0161en\u00ed","datePublished":"2022-01-17","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.kotech.cz\/author\/#Person","name":"","url":"https:\/\/www.kotech.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kotech.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kotech.cz\/wp-content\/uploads\/pen%C4%9B%C5%BEenka,%20pen%C3%ADze.jpg","url":"https:\/\/www.kotech.cz\/wp-content\/uploads\/pen%C4%9B%C5%BEenka,%20pen%C3%ADze.jpg","height":0,"width":0},"url":"https:\/\/www.kotech.cz\/resenim-slozite-financni-situace-je-nebankovni-hypoteka\/","about":["Finance"],"wordCount":471,"articleBody":"    Nedostatek financ\u00ed tr\u00e1p\u00ed nemalou \u010d\u00e1st na\u0161\u00ed populace. N\u00edzk\u00e9 p\u0159\u00edjmy, vysok\u00e9 \u017eivotn\u00ed n\u00e1klady, chu\u0165 n\u011bco hezk\u00e9ho si po\u0159\u00eddit, i p\u0159esto, \u017ee na to nem\u00e1m. Nebo naopak dluhy \u010di hroz\u00edc\u00ed exekuce kv\u016fli dluh\u016fm, to v\u0161echno m\u00e1 negativn\u00ed dopad na n\u00e1\u0161 \u017eivot a m\u016f\u017ee to ovliv\u0148ovat n\u00e1\u0161 \u00fasudek. Nem\u011bjte ho zkreslen\u00fd https:\/\/cs.bab.la\/slovnik\/cesky-anglicky\/%25C3%25BAsudek  \u0159e\u0161en\u00ed m\u016f\u017eete vid\u011bt jasn\u00fdma o\u010dima. A z jak\u00fdch mo\u017enost\u00ed m\u00e1te na v\u00fdb\u011br? Samoz\u0159ejm\u011b m\u016f\u017eete j\u00edt jako prvn\u00ed do banky, nebo si rovnou nechat zpracovat \u0159e\u0161en\u00ed sv\u00fdch finan\u010dn\u00edch z\u00e1le\u017eitost\u00ed od soukrom\u00e9 spole\u010dnosti. Tento typ \u00fav\u011bru se naz\u00fdv\u00e1 nebankovn\u00ed hypot\u00e9ka.  O jak\u00fd produkt se vlastn\u011b jedn\u00e1? Zodpov\u00edme si nyn\u00ed prvn\u00ed ot\u00e1zku. Jedn\u00e1 se v podstat\u011b o klasickou hypot\u00e9ku, ale poskytne v\u00e1m ji soukrom\u00e1 spole\u010dnost. Jako u ka\u017ed\u00e9 hypot\u00e9ky, i v tomto p\u0159\u00edpad\u011b ru\u010d\u00edte nemovitost\u00ed. M\u016f\u017ee se jednat o byt, d\u016fm, pozemek. Pro koho je ur\u010den a kolik m\u016f\u017eu z\u00edskat? Jakmile je proveden odborn\u00fd odhad nemovitosti, z\u00edsk\u00e1te t\u0159eba a\u017e 70% z jej\u00ed hodnoty. Z\u00e1le\u017e\u00ed tedy \u010dist\u011b na stavu va\u0161\u00ed nemovitost\u00ed, kterou d\u00e1te takzvan\u011b do \u201ez\u00e1stavy\u201c. M\u016f\u017ee se jednat o byt za p\u00e1r milion\u016f, ale tak\u00e9 o vilu za des\u00edtky milion\u016f, podle toho se ur\u010d\u00ed \u010d\u00e1stka. Z\u00edskat tedy m\u016f\u017eete t\u0159eba od pades\u00e1ti tis\u00edc a\u017e po stovky milion\u016f. \u00dav\u011br je ur\u010den naprosto pro ka\u017ed\u00e9ho, kdo pot\u0159ebuje pen\u00edze. Nemus\u00edte m\u00edt dluhy nebo exekuce, m\u016f\u017ee se jednat o lidi, kte\u0159\u00ed jenom cht\u011bj\u00ed investovat t\u0159eba do bydlen\u00ed. S t\u00edmto \u00fav\u011brem ale nemus\u00edte dokl\u00e1dat, na co pen\u00edze pou\u017eijete, tak\u017ee je m\u016f\u017eete pou\u017e\u00edt na cokoliv. Po vy\u0159\u00edzen\u00ed \u00fav\u011bru v\u00e1m bude kompletn\u00ed \u010d\u00e1stka p\u0159ipsan\u00e1 na v\u00e1\u0161 \u00fa\u010det.  Existuj\u00ed n\u011bjak\u00e1 pravidla, kter\u00e1 mus\u00edm splnit a jak je to s dokl\u00e1d\u00e1n\u00edm p\u0159\u00edjm\u016f? Splnit mus\u00edte jenom z\u00e1konn\u00e9 podm\u00ednky, to je dosa\u017een\u00ed 18 let a pln\u00e9 zp\u016fsobilosti a pak vlastn\u011bn\u00ed n\u011bjak\u00e9 nemovitosti, nebo zvolen\u00ed ru\u010den\u00ed pomoc\u00ed takzvan\u00e9 \u201et\u0159et\u00ed\u201c osoby. Pokud nem\u00e1te \u010dist\u00fd registr dlu\u017en\u00edk\u016f, ob\u00e1vat se nemus\u00edte, i p\u0159es z\u00e1pis v\u00e1m m\u016f\u017ee b\u00fdt \u00fav\u011br poskytnut\u00fd. To sam\u00e9 plat\u00ed o n\u00edzk\u00fdch p\u0159\u00edjmech. V\u017edy se v\u00e1m nebankovn\u00ed spole\u010dnost sna\u017e\u00ed vyj\u00edt vst\u0159\u00edc a vypo\u010d\u00edtat spl\u00e1tky tak, abyste je dok\u00e1zali spl\u00e1cet. Doba splatnosti m\u016f\u017ee b\u00fdt nastaven\u00e1 t\u0159eba a\u017e na t\u0159icet let.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0158e\u0161en\u00edm slo\u017eit\u00e9 finan\u010dn\u00ed situace je nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.kotech.cz\/resenim-slozite-financni-situace-je-nebankovni-hypoteka\/#breadcrumbitem"}]}]