[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hranari.cz\/je-hypoteka-bez-dolozeni-prijmu-vhodna\/#Article","mainEntityOfPage":"https:\/\/www.hranari.cz\/je-hypoteka-bez-dolozeni-prijmu-vhodna\/","headline":"Je hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu vhodn\u00e1?","name":"Je hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu vhodn\u00e1?","description":"Co je to vlastn\u011b hypot\u00e9ka? V kr\u00e1tkosti \u0159e\u010deno je to \u00fav\u011br na bydlen\u00ed. Banka \u010di jin\u00e1 spole\u010dnost v\u00e1m p\u016fj\u010d\u00ed pen\u00edze, kter\u00e9 potom mus\u00edte pou\u017e\u00edt na koupi \u010di rekonstrukci domu nebo … ","datePublished":"2019-09-05","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.hranari.cz\/author\/#Person","name":"","url":"https:\/\/www.hranari.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hranari.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hranari.cz\/wp-content\/uploads\/img_a363666_w4293_t1576490514.png","url":"https:\/\/www.hranari.cz\/wp-content\/uploads\/img_a363666_w4293_t1576490514.png","height":0,"width":0},"url":"https:\/\/www.hranari.cz\/je-hypoteka-bez-dolozeni-prijmu-vhodna\/","about":["Firmy"],"wordCount":477,"articleBody":"        Co je to vlastn\u011b hypot\u00e9ka? V kr\u00e1tkosti \u0159e\u010deno je to \u00fav\u011br na bydlen\u00ed. Banka \u010di jin\u00e1 spole\u010dnost v\u00e1m p\u016fj\u010d\u00ed pen\u00edze, kter\u00e9 potom mus\u00edte pou\u017e\u00edt na koupi \u010di rekonstrukci domu nebo bytu. Berou si ji p\u0159ev\u00e1\u017en\u011b mlad\u00ed lid\u00e9, kte\u0159\u00ed je\u0161t\u011b nemaj\u00ed naspo\u0159eno, ale p\u0159esto cht\u011bj\u00ed vlastn\u00ed bydlen\u00ed.   V z\u00e1sad\u011b existuj\u00ed dva druhy hypot\u00e9k (a \u00fav\u011br\u016f obecn\u011b): bankovn\u00ed a nebankovn\u00ed. Jak\u00fd je mezi nimi rozd\u00edl? Ten nejv\u011bt\u0161\u00ed samoz\u0159ejm\u011b spo\u010d\u00edv\u00e1 v tom, \u017ee bankovn\u00ed \u00fav\u011bry poskytuj\u00ed bankovn\u00ed spole\u010dnosti. Nebankovn\u00ed potom r\u016fzn\u00e9 \u00fav\u011brov\u00e9 firmy. Co ov\u0161em nen\u00ed na prvn\u00ed pohled z\u0159ejm\u00e9, je to, \u017ee banky obvykle p\u0159ed schv\u00e1len\u00edm p\u016fj\u010dky po\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjmu dlu\u017en\u00edka a p\u0159\u00edpadn\u011b i ru\u010ditele. Je to z toho d\u016fvodu, aby zjistili, zda klient m\u00e1 schopnost danou p\u016fj\u010dku spl\u00e1cet. Naproti tomu nebankovn\u00ed spole\u010dnosti c\u00edl\u00ed p\u0159edev\u0161\u00edm na chud\u0161\u00ed vrstvu obyvatelstva. Nap\u0159\u00edklad hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je jedn\u00edm z jejich produkt\u016f. C\u00edl\u00ed p\u0159edev\u0161\u00edm na mlad\u00e9 lidi, kte\u0159\u00ed cht\u011bj\u00ed bydlet ve vlastn\u00edm, ale je\u0161t\u011b nemaj\u00ed st\u00e1l\u00e9 zam\u011bstn\u00e1n\u00ed, nebo pob\u00edraj\u00ed n\u00edzk\u00fd plat. Jak\u00e9 jsou jej\u00ed v\u00fdhody? P\u0159edev\u0161\u00edm to, \u017ee tuto hypot\u00e9ku m\u016f\u017ee z\u00edskat prakticky ka\u017ed\u00fd. A\u0165 je va\u0161e situace jak\u00e1koliv, nemus\u00edte se b\u00e1t, \u017ee by v\u00e1m nep\u016fj\u010dili. T\u00edm m\u00e1te vlastn\u00ed bydlen\u00ed prakticky zaji\u0161t\u011bno. Nemus\u00edte se tedy ob\u00e1vat, \u017ee nebudete m\u00edt st\u0159echu nad hlavou.  M\u00e1 to ov\u0161em i druhou str\u00e1nku: tou b\u00fdvaj\u00ed vysok\u00e9 \u00faroky, a p\u0159edev\u0161\u00edm p. a. Nav\u00edc, jak ji\u017e bylo \u0159e\u010deno, tyto firmy nepo\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f. To je sice p\u011bkn\u00e9, ale v d\u016fsledku to znamen\u00e1, \u017ee p\u016fj\u010dku z\u00edsk\u00e1 i ten, kdo ji potom re\u00e1ln\u011b nen\u00ed schopen spl\u00e1cet. Co ale potom s t\u00edm? Jak se prodlu\u017euje doba, kdy neplat\u00edte, rostou \u00faroky a t\u00edm i celkov\u00e1 \u010d\u00e1stka, kterou mus\u00edte zaplatit. \u010casto nakonec dojde i na exekuci. V t\u00e9 dob\u011b v\u0161ak ji\u017e \u010d\u00e1stka, kterou mus\u00edte zaplatit, n\u011bkolikan\u00e1sobn\u011b p\u0159ekra\u010duje \u010d\u00e1stku p\u016fj\u010denou. Jak tedy probl\u00e9m s vlastn\u00edm bydlen\u00edm vy\u0159e\u0161it? Pokud jste mlad\u00ed a chcete m\u00edt zkr\u00e1tka sv\u016fj klid, je lep\u0161\u00ed si na vlastn\u00ed d\u016fm \u010di byt na\u0161et\u0159it, a to t\u00e9 doby bydlet v pron\u00e1jmu. Mo\u017en\u00e1 se to zd\u00e1 hloup\u00e9, kdy\u017e m\u016f\u017eete okam\u017eit\u011b m\u00edt vysn\u011bn\u00fd domek, kter\u00fd je zrovna na prodej, ale v\u011b\u0159te, \u017ee v dlouhodob\u00e9m horizontu se to vyplat\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           1\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu vhodn\u00e1?","item":"https:\/\/www.hranari.cz\/je-hypoteka-bez-dolozeni-prijmu-vhodna\/#breadcrumbitem"}]}]