[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kotech.cz\/stoprocentni-zadluzeni-muze-byt-nebezpecne\/#Article","mainEntityOfPage":"https:\/\/www.kotech.cz\/stoprocentni-zadluzeni-muze-byt-nebezpecne\/","headline":"Stoprocentn\u00ed zadlu\u017een\u00ed m\u016f\u017ee b\u00fdt nebezpe\u010dn\u00e9","name":"Stoprocentn\u00ed zadlu\u017een\u00ed m\u016f\u017ee b\u00fdt nebezpe\u010dn\u00e9","description":"Je\u0161t\u011b v sou\u010dasn\u00e9 dob\u011b mnoho klient\u016f \u017e\u00e1d\u00e1 takzvanou stoprocentn\u00ed hypot\u00e9ku. Po odm\u00edtnut\u00ed jsou p\u0159ekvapeni t\u00edm, \u017ee u\u017e to dnes nen\u00ed mo\u017en\u00e9. U\u017e p\u0159ed n\u011bkolika m\u011bs\u00edci doporu\u010dila \u010cesk\u00e1 n\u00e1rodn\u00ed banka st\u00e1hnout tento finan\u010dn\u00ed produkt. Vysv\u011btlen\u00ed je jednoduch\u00e9 a zcela logick\u00e9. T\u00edm, \u017ee si klient vezme ve\u0161ker\u00e9 finan\u010dn\u00ed prost\u0159edky z odhadn\u00ed ceny","datePublished":"2018-09-22","dateModified":"2023-04-29","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\/img_a330310_w1720_t1542877904.jpg","url":"https:\/\/www.kotech.cz\/wp-content\/uploads\/img_a330310_w1720_t1542877904.jpg","height":0,"width":0},"url":"https:\/\/www.kotech.cz\/stoprocentni-zadluzeni-muze-byt-nebezpecne\/","about":["Finance"],"wordCount":371,"articleBody":"         Je\u0161t\u011b v sou\u010dasn\u00e9 dob\u011b mnoho klient\u016f \u017e\u00e1d\u00e1 takzvanou stoprocentn\u00ed hypot\u00e9ku. Po odm\u00edtnut\u00ed jsou p\u0159ekvapeni t\u00edm, \u017ee u\u017e to dnes nen\u00ed mo\u017en\u00e9. U\u017e p\u0159ed n\u011bkolika m\u011bs\u00edci doporu\u010dila \u010cesk\u00e1 n\u00e1rodn\u00ed banka st\u00e1hnout tento finan\u010dn\u00ed produkt. Vysv\u011btlen\u00ed je jednoduch\u00e9 a zcela logick\u00e9. T\u00edm, \u017ee si klient vezme ve\u0161ker\u00e9 finan\u010dn\u00ed prost\u0159edky z odhadn\u00ed ceny cel\u00e9 nemovitosti, nez\u016fstane mu v podstat\u011b v\u016fbec \u017e\u00e1dn\u00e1 rezerva a tak\u00e9 se jeho z\u00e1vazek vy\u0161plh\u00e1 na vysokou \u010d\u00e1stku. T\u00edm p\u00e1dem nebylo schopno mnoho klient\u016f spl\u00e1cet a dostali se do ne\u0159e\u0161iteln\u00e9 situace. Nakonec o zastavenou nemovitost p\u0159i\u0161li. Cel\u00e1 \u0159ada bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed https:\/\/www.hypoteka-bez-registru.net\/100-hypoteka-skutecnost-sen\/ tedy toto doporu\u010den\u00ed uposlechla a 100% hypot\u00e9ku st\u00e1hla.Pak bylo mo\u017en\u00e9 z\u00edskat pades\u00e1t a\u017e devades\u00e1t procent z odhadn\u00ed ceny nemovitosti. Pokud vyu\u017eijete nejvy\u0161\u0161\u00ed mo\u017enou \u010d\u00e1stku (95 %) pak si m\u016f\u017eete zbyl\u00fdch p\u011bt procent dofinancovat jin\u00fdmi zp\u016fsoby. Nab\u00edz\u00ed se nap\u0159\u00edklad nezaji\u0161t\u011bn\u00fd \u00fav\u011br nebo kombinace se stavebn\u00edm spo\u0159en\u00edm. V\u0161e dob\u0159e promyslete Je v\u0161ak mo\u017en\u00e9 i dnes u n\u011bkter\u00fdch spole\u010dnost\u00ed (bankovn\u00edch i nebankovn\u00edch) na stoprocentn\u00ed hypot\u00e9ku narazit. V tom p\u0159\u00edpad\u011b ale po\u010d\u00edtejte s t\u00edm, \u017ee podm\u00ednky budou nastaven\u00e9 o mnoho p\u0159\u00edsn\u011bji.  M\u00edt prokazateln\u011b vlastn\u00ed finan\u010dn\u00ed prost\u0159edky v dostate\u010dn\u00e9 v\u00fd\u0161i (nen\u00ed nikterak mal\u00e1). Registry musej\u00ed b\u00fdt naprosto \u010dist\u00e9. B\u00fdt dlouhodob\u00fdm klientem s opravdu vysok\u00fdmi p\u0159\u00edjmy. P\u0159ibrat do hypot\u00e9ky je\u0161t\u011b ru\u010ditele nebo spoludlu\u017en\u00edka. A to p\u0159esto, \u017ee zastav\u00edte nemovitost. Je tedy zapot\u0159eb\u00ed skute\u010dn\u011b pe\u010dliv\u011b zva\u017eovat v\u0161echny nab\u00edzen\u00e9 mo\u017enosti a vybrat si tu, kter\u00e1 bude pro v\u00e1s nejp\u0159ijateln\u011bj\u0161\u00ed a tak\u00e9 hlavn\u011b co nejm\u00e9n\u011b rizikov\u00e1.  T\u00edm, \u017ee si od bankovn\u00edho nebo nebankovn\u00edho poskytovatele p\u016fj\u010d\u00edte pot\u0159ebn\u00e9 finance, chcete p\u0159eci svou moment\u00e1ln\u00ed nep\u0159\u00edznivou situaci vy\u0159e\u0161it, a ne se do budoucna zni\u010dit.                                                                                                                                                                                                                                                                                                                                                                                           3.4\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stoprocentn\u00ed zadlu\u017een\u00ed m\u016f\u017ee b\u00fdt nebezpe\u010dn\u00e9","item":"https:\/\/www.kotech.cz\/stoprocentni-zadluzeni-muze-byt-nebezpecne\/#breadcrumbitem"}]}]