[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.koompas.cz\/hypoteka-od-nebankovni-spolecnosti\/#Article","mainEntityOfPage":"https:\/\/www.koompas.cz\/hypoteka-od-nebankovni-spolecnosti\/","headline":"Hypot\u00e9ka od nebankovn\u00ed spole\u010dnosti?","name":"Hypot\u00e9ka od nebankovn\u00ed spole\u010dnosti?","description":"Mnoho lid\u00ed za hypot\u00e9kou m\u00ed\u0159\u00ed do banky, p\u0159esto jejich p\u0159\u00edsn\u011b nastaven\u00e9 podm\u00ednky nejsou v\u017edy tou nejlep\u0161\u00ed volbou. Po novele z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 prob\u011bhla v prosinci 2016, se podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky zp\u0159\u00edsnily. Nen\u00ed tedy \u017e\u00e1dn\u00fdm pravidlem, \u017ee hypot\u00e9ku dostane ka\u017ed\u00fd, kdo si pro n\u00ed p\u0159ijde do banky. Je","datePublished":"2021-03-16","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.koompas.cz\/author\/#Person","name":"","url":"https:\/\/www.koompas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"koompas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.koompas.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_4.jpg","url":"https:\/\/www.koompas.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.koompas.cz\/hypoteka-od-nebankovni-spolecnosti\/","about":["Finance"],"wordCount":395,"articleBody":"      Mnoho lid\u00ed za hypot\u00e9kou m\u00ed\u0159\u00ed do banky, p\u0159esto jejich p\u0159\u00edsn\u011b nastaven\u00e9 podm\u00ednky nejsou v\u017edy tou nejlep\u0161\u00ed volbou. Po novele z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1 prob\u011bhla v prosinci 2016, se podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky zp\u0159\u00edsnily. Nen\u00ed tedy \u017e\u00e1dn\u00fdm pravidlem, \u017ee hypot\u00e9ku dostane ka\u017ed\u00fd, kdo si pro n\u00ed p\u0159ijde do banky. Je tomu sp\u00ed\u0161e naopak. \u00damrtnost na hypote\u010dn\u00edch \u00fav\u011brech je pom\u011brn\u011b vysok\u00e1. N\u011bkdy je p\u0159\u00ed\u010dinnou drobnost, kter\u00e9 lze pozd\u011bji snadno napravit, jindy se ale m\u016f\u017ee jednat o z\u00e1va\u017en\u00fd probl\u00e9m, kter\u00fd by pro banku mohl m\u00edt pozd\u011bji nedoz\u00edrn\u00e9 n\u00e1sledky. \u010cNB v\u0161e poskytovatel\u016fm na\u0159izuje ka\u017ed\u00e9ho nov\u00e9ho \u017eadatele o \u00fav\u011br prov\u011b\u0159it. Schopnost spl\u00e1cen je vym\u011b\u0159ena pomoc\u00ed bonity \u017eadatele, kterou ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f. Pokud m\u00e1 \u017eadatel bonitu p\u0159\u00edli\u0161 n\u00edzkou, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v bance neusp\u011bje. Pracovn\u00ed smlouva jako vstup do \u00fav\u011brov\u00e9ho sv\u011btaV p\u0159\u00edpad\u011b, kdy m\u00e1 \u017eadatel dostate\u010dn\u00fd p\u0159\u00edjem a spl\u00e1c\u00ed sv\u00e9 pohled\u00e1vky v\u010das, \u00fav\u011br v bance vy\u0159\u00edd\u00ed bez v\u011bt\u0161\u00edch probl\u00e9m\u016f. Pokud jsou v\u0161ak jeho m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy mal\u00e9 nebo z pochybn\u00e9ho zdroje, \u00fav\u011br \u017e\u00e1dn\u00e1 banka neschv\u00e1l\u00ed. Stejn\u011b je tomu i v p\u0159\u00edpad\u011b, kdy se jedn\u00e1 o p\u0159\u00edjem ze soci\u00e1ln\u00edch d\u00e1vek nebo starobn\u00edho d\u016fchodu, banka v tomto p\u0159\u00edpad\u011b nem\u00e1 \u017e\u00e1dnou garanci, \u017ee \u017eadatel bude spl\u00e1cet \u0159\u00e1dn\u011b a \u00fav\u011br takt\u00e9\u017e nechv\u00e1l\u00ed. Nebankovn\u00ed spole\u010dnosti v tomto p\u0159\u00edpad\u011b postupuj\u00ed jinak. V p\u0159\u00edpad\u011b americk\u00e9 nebankovn\u00ed hypot\u00e9ky https:\/\/www.fahd.cz\/americka-hypoteka-nebankovni\/ nen\u00ed pot\u0159eba dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f, je ale zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed. Ta v p\u0159\u00edpad\u011b, kdy\u017e dlu\u017en\u00edk nebude schopen spl\u00e1cet, p\u0159ipadne v\u011b\u0159iteli. Registry dlu\u017en\u00edk\u016fNegativn\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f jsou dnes velk\u00fd probl\u00e9m \u0159ady \u010cech\u016f. Spole\u010dnosti jsou mnohdy nekompromisn\u00ed a negativn\u00ed z\u00e1znam p\u0159ich\u00e1z\u00ed \u010dasto po jedn\u00e9 pozd\u011b splacen\u00e9 faktu\u0159e. \u017dadatel\u00e9 s negativn\u00edm z\u00e1znamem v n\u011bkter\u00e9m z registr\u016f pak maj\u00ed velk\u00fd probl\u00e9m v \u017e\u00e1dosti o \u00fav\u011br usp\u011bt.                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka od nebankovn\u00ed spole\u010dnosti?","item":"https:\/\/www.koompas.cz\/hypoteka-od-nebankovni-spolecnosti\/#breadcrumbitem"}]}]