[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.realfa.cz\/pro-koho-je-nebankovni-hypoteka-vlastne-urcena\/#Article","mainEntityOfPage":"https:\/\/www.realfa.cz\/pro-koho-je-nebankovni-hypoteka-vlastne-urcena\/","headline":"Pro koho je nebankovn\u00ed hypot\u00e9ka vlastn\u011b ur\u010dena?","name":"Pro koho je nebankovn\u00ed hypot\u00e9ka vlastn\u011b ur\u010dena?","description":"Klasick\u00e1 hypot\u00e9ka je produktem v\u011bt\u0161iny bank a jej\u00ed podm\u00ednky proto nen\u00ed zapot\u0159eb\u00ed nijak zvl\u00e1\u0161t\u011b vysv\u011btlovat. Jedn\u00e1 se o nejv\u00edce vyu\u017e\u00edvan\u00fd \u00fav\u011br a ka\u017ed\u00fdm rokem jeho obliba roste. O tom mimo jin\u00e9 hovo\u0159\u00ed i zpr\u00e1va \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 ud\u00e1v\u00e1, \u017ee se v lo\u0148sk\u00e9m roce na hypot\u00e9k\u00e1ch p\u016fj\u010dilo o 35% v\u00edce ne\u017e v roce lo\u0148sk\u00e9m. Jak tomu bude v roce 2020 zat\u00edm, ale nikdo netu\u0161\u00ed. Inflace ovlivnila i \u00farokov\u00e9 sazby hypot\u00e9k,...","datePublished":"2022-01-09","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.realfa.cz\/author\/#Person","name":"","url":"https:\/\/www.realfa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"realfa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.realfa.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(13).jpg","url":"https:\/\/www.realfa.cz\/wp-content\/uploads\/pexels-andrea-piacquadio-3760067%20(13).jpg","height":0,"width":0},"url":"https:\/\/www.realfa.cz\/pro-koho-je-nebankovni-hypoteka-vlastne-urcena\/","about":["Finance"],"wordCount":412,"articleBody":"   Klasick\u00e1 hypot\u00e9ka je produktem v\u011bt\u0161iny bank a jej\u00ed podm\u00ednky proto nen\u00ed zapot\u0159eb\u00ed nijak zvl\u00e1\u0161t\u011b vysv\u011btlovat. Jedn\u00e1 se o nejv\u00edce vyu\u017e\u00edvan\u00fd \u00fav\u011br a ka\u017ed\u00fdm rokem jeho obliba roste. O tom mimo jin\u00e9 hovo\u0159\u00ed i zpr\u00e1va \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 ud\u00e1v\u00e1, \u017ee se v lo\u0148sk\u00e9m roce na hypot\u00e9k\u00e1ch p\u016fj\u010dilo o 35% v\u00edce ne\u017e v roce lo\u0148sk\u00e9m. Jak tomu bude v roce 2020 zat\u00edm, ale nikdo netu\u0161\u00ed. Inflace ovlivnila i \u00farokov\u00e9 sazby hypot\u00e9k, kter\u00e9 te\u010f neovladateln\u011b rostou. Nav\u00edc se zp\u0159\u00eds\u0148uj\u00ed i podm\u00ednky bank a tak p\u0159ib\u00fdv\u00e1 i zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Na \u0159adu tak p\u0159ich\u00e1z\u00ed i nebankovn\u00ed sektor, kter\u00fd nab\u00edz\u00ed hypot\u00e9ky i v\u00edce rizikov\u00fdm \u017eadatel\u016fm. Hypot\u00e9ka dolo\u017een\u00ed p\u0159\u00edjmu\/s n\u00edzk\u00fdm p\u0159\u00edjmem bez Hypot\u00e9ka je jeden z nejn\u00e1ro\u010dn\u011bj\u0161\u00edch \u00fav\u011brov\u00fdch produkt\u016f na spl\u00e1cen\u00ed, je proto pochopiteln\u00e9, \u017ee ne ka\u017ed\u00e1 \u017e\u00e1dost se nakonec setk\u00e1 s t\u00ed\u017een\u00fdm \u00fasp\u011bchem. Naopak se st\u00e1le se zhor\u0161uj\u00edc\u00edmi podm\u00ednkami pro \u017eadatele p\u0159ib\u00fdv\u00e1 i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Zoufal\u00fdm \u017eadatel\u016fm tak nezb\u00fdv\u00e1 jin\u00e1 mo\u017enost, ne\u017e se obr\u00e1tit pr\u00e1v\u011b na nebankovn\u00ed spole\u010dnosti.    Pokud \u017eadatel nen\u00ed schopen n\u00e1le\u017eit\u00fdm zp\u016fsobem dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjmu, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se s n\u00edm zam\u011bstnanec banky p\u0159\u00edli\u0161 bavit nebude. Dolo\u017een\u00ed v\u00fd\u0161e p\u0159\u00edjm\u016f je toti\u017e jednou z podm\u00ednek p\u0159i \u017e\u00e1dosti o jak\u00fdkoliv \u00fav\u011br. I z tohoto d\u016fvodu takov\u00ed \u017eadatel\u00e9 rad\u011bji zam\u00ed\u0159\u00ed do nebankovn\u00edch instituc\u00ed, kter\u00e9 na v\u00fd\u0161i p\u0159\u00edjm\u016f a\u017e tolik nehled\u00ed. U mal\u00fdch \u00fav\u011br\u016f je to pochopiteln\u00e9, u t\u011bch vy\u0161\u0161\u00edch se vy\u017eaduje z\u00e1stava nemovitosti, stejn\u011b jako je tomu v bank\u00e1ch. \u017dadatel\u00e9 v registrech dlu\u017en\u00edk\u016fNebankovn\u00ed hypot\u00e9ka je ur\u010dena i pro tzv. rizikov\u00e9 \u017eadatele, kte\u0159\u00ed v bance nevzbuzuj\u00ed p\u0159\u00edli\u0161 velkou d\u016fv\u011bru vzhledem k jejich finan\u010dn\u00ed minulosti. Nebankovn\u00ed spole\u010dnosti toti\u017e do registr\u016f dlu\u017en\u00edk\u016f bu\u010f v\u016fbec nenahl\u00ed\u017e\u00ed, nebo neberou negativn\u00ed z\u00e1znam \u017eadatele jako d\u016fvod pro zam\u00edtnut\u00ed jeho \u017e\u00e1dosti. Benevolentnost ze strany spole\u010dnosti ale nen\u00ed zadarmo a je zapot\u0159eb\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou.                                                                                                                                                                                                                                                                                                                                                                                           4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro koho je nebankovn\u00ed hypot\u00e9ka vlastn\u011b ur\u010dena?","item":"https:\/\/www.realfa.cz\/pro-koho-je-nebankovni-hypoteka-vlastne-urcena\/#breadcrumbitem"}]}]