[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.recado.cz\/proc-vsadit-na-nebankovni-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.recado.cz\/proc-vsadit-na-nebankovni-hypoteku\/","headline":"Pro\u010d vsadit na nebankovn\u00ed hypot\u00e9ku?","name":"Pro\u010d vsadit na nebankovn\u00ed hypot\u00e9ku?","description":"Hypot\u00e9ka pat\u0159\u00ed v bank\u00e1ch mezi nejv\u00edce vyu\u017e\u00edvan\u00e9 \u00fav\u011brov\u00e9 produkty u n\u00e1s i ve sv\u011bt\u011b. Je to p\u0159ev\u00e1\u017en\u011b...","datePublished":"2022-07-23","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.recado.cz\/author\/#Person","name":"","url":"https:\/\/www.recado.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"recado.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.recado.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20od%20domu_10_10_1.jpg","url":"https:\/\/www.recado.cz\/wp-content\/uploads\/kl%C3%AD%C4%8D%20od%20domu_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.recado.cz\/proc-vsadit-na-nebankovni-hypoteku\/","wordCount":395,"articleBody":"   Hypot\u00e9ka pat\u0159\u00ed v bank\u00e1ch mezi nejv\u00edce vyu\u017e\u00edvan\u00e9 \u00fav\u011brov\u00e9 produkty u n\u00e1s i ve sv\u011bt\u011b. Je to p\u0159ev\u00e1\u017en\u011b d\u00edky jej\u00ed v\u00fdhodn\u00e9 \u00farokov\u00e9 sazb\u011b, i kdy\u017e na za\u010d\u00e1tku tohoto roku do\u0161lo k citeln\u00e9mu zv\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby. Ov\u0161em nejenom vlivem zv\u00fd\u0161en\u00ed \u00farokov\u00e9 sazby za\u010d\u00edn\u00e1 pomalu p\u0159ib\u00fdvat zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed \u017eadatel\u016f, kte\u0159\u00ed nespl\u0148uj\u00ed v\u0161echny p\u0159edpoklady pro schv\u00e1len\u00ed hypot\u00e9ky. Na vin\u011b je hlavn\u011b p\u0159\u00edli\u0161 n\u00edzk\u00e1 bonita \u017eadatele, kterou ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f. Mezi n\u011b pat\u0159\u00ed nap\u0159\u00edklad pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, z\u00e1znamy v registrech, po\u010det osob v dom\u00e1cnosti, dal\u0161\u00ed z\u00e1vazky atd. Pokud banka shled\u00e1, \u017ee \u017eadatelova bonita je p\u0159\u00edli\u0161 n\u00edzk\u00e1, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed dojde k zam\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br. Na\u0161t\u011bst\u00ed v\u0161ak existuj\u00ed nebankovn\u00ed hypot\u00e9ky bez registru, o kter\u00e9 mohou \u017e\u00e1dat i probl\u00e9mov\u00ed \u017eadatel\u00e9, kte\u0159\u00ed v bance z n\u011bjak\u00e9ho d\u016fvodu neusp\u011bli. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro kter\u00e9 se lid\u00e9 rozhoduj\u00ed pro nebankovn\u00ed hypot\u00e9ku? Je jich hned n\u011bkolik! Nen\u00ed zapot\u0159eb\u00ed dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016fJe vcelku pochopiteln\u00e9, \u017ee banka vy\u017eaduje dolo\u017eit v\u00fd\u0161i va\u0161ich p\u0159\u00edjm\u016f, pokud j\u00ed \u017e\u00e1d\u00e1te o \u00fav\u011br. D\u00edky tomu toti\u017e velmi snadno vyhodnot\u00ed, zda jste schopni \u00fav\u011br plnohodnotn\u011b spl\u00e1cet, \u010di nikoliv. Do p\u0159\u00edjm\u016f se zapo\u010d\u00edt\u00e1v\u00e1 p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, podnik\u00e1n\u00ed nebo t\u0159eba z pron\u00e1jmu nemovitosti. N\u011bkter\u00e9 banky berou v potaz i starobn\u00ed d\u016fchod. Naopak soci\u00e1ln\u00ed d\u00e1vky \u010di dal\u0161\u00ed podobn\u00e9 p\u0159\u00edsp\u011bvky od st\u00e1tu se do rodinn\u00e9ho rozpo\u010dtu nezahrnuj\u00ed. V nebankovn\u00edch spole\u010dnostech se v\u0161ak na tento \u00fadaj nepohl\u00ed\u017e\u00ed. Jedinou podm\u00ednkou je ru\u010den\u00ed nemovitosti, kter\u00e1 v p\u0159\u00edpad\u011b \u017eadatelovy neschopnosti spl\u00e1cet, p\u0159ipadne ve prosp\u011bch v\u011b\u0159itele. S podobnou podm\u00ednkou se ale setk\u00e1te i v bank\u00e1ch a nejedn\u00e1 se o nich a\u017e tak neobvykl\u00e9ho. Jde to i se z\u00e1znamem v registruM\u00e1te negativn\u00ed z\u00e1znam v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f? Pro banky velk\u00fd probl\u00e9m, pro nebankovn\u00ed spole\u010dnosti ale nikoliv!                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d vsadit na nebankovn\u00ed hypot\u00e9ku?","item":"https:\/\/www.recado.cz\/proc-vsadit-na-nebankovni-hypoteku\/#breadcrumbitem"}]}]