[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bran.cz\/proc-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.bran.cz\/proc-nebankovni-hypoteka\/","headline":"Pro\u010d nebankovn\u00ed hypot\u00e9ka?","name":"Pro\u010d nebankovn\u00ed hypot\u00e9ka?","description":"Nebankovn\u00ed hypot\u00e9ka je jedn\u00edm ze zp\u016fsob\u016f, jak m\u016f\u017ee p\u0159ij\u00edt k pen\u011bz\u016fm i takov\u00fd \u010dlov\u011bk, jen\u017e &hellip; <a href=\"https:\/\/www.bran.cz\/proc-nebankovni-hypoteka\/\" class=\"more-link\"><span class=\"more-button\">P\u0159e\u010d\u00edst \u010dl\u00e1nek<span class=\"screen-reader-text\">Pro\u010d nebankovn\u00ed hypot\u00e9ka?<\/span><\/span><\/a>","datePublished":"2019-06-16","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.bran.cz\/author\/#Person","name":"","url":"https:\/\/www.bran.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bran.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bran.cz\/wp-content\/uploads\/img_a352026_w3718_t1566548053.jpg","url":"https:\/\/www.bran.cz\/wp-content\/uploads\/img_a352026_w3718_t1566548053.jpg","height":0,"width":0},"url":"https:\/\/www.bran.cz\/proc-nebankovni-hypoteka\/","about":["Ekonomika"],"wordCount":405,"articleBody":"      Nebankovn\u00ed hypot\u00e9ka je jedn\u00edm ze zp\u016fsob\u016f, jak m\u016f\u017ee p\u0159ij\u00edt k pen\u011bz\u016fm i takov\u00fd \u010dlov\u011bk, jen\u017e by s jin\u00fdmi p\u016fj\u010dkami u bankovn\u00edch instituc\u00ed nejsp\u00ed\u0161e nikdy neusp\u011bl. T\u0159eba kv\u016fli sv\u00fdm n\u00edzk\u00fdm p\u0159\u00edjm\u016fm, nebo kv\u016fli z\u00e1znam\u016fm v registrech dlu\u017en\u00edk\u016f a podobn\u011b. A zat\u00edmco by si doty\u010dn\u00fd jinde d\u011blal jen marn\u00e9 nad\u011bje, tady m\u00e1 re\u00e1lnou \u0161anci usp\u011bt. A to proto, \u017ee jsou nebankovn\u00ed hypot\u00e9ky finan\u010dn\u00edmi produkty, kter\u00e9 jako by byly podobn\u00fdm lidem \u0161it\u00e9 p\u0159\u00edmo na m\u00edru. A to n\u00e1sleduj\u00edc\u00edmi skute\u010dnostmi: Zde nen\u00ed slo\u017eit\u00e9 \u010di dokonce nemo\u017en\u00e9 prok\u00e1zat dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy. Tady se tak\u00e9 toleruj\u00ed leckter\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, nejsou-li tyto tedy zjevn\u011b na p\u0159ek\u00e1\u017eku budouc\u00edmu spl\u00e1cen\u00ed p\u016fj\u010dky. Nic se neplat\u00ed p\u0159edem, \u017eadatel tedy neriskuje, \u017ee bude p\u0159ipraven o posledn\u00ed pen\u00edze a pak odvr\u017een. I samotn\u00fd odhad nemovitosti je hrazen poskytovatelem p\u016fj\u010dky. Doba spl\u00e1cen\u00ed se m\u016f\u017ee pohybovat mezi jedn\u00edm a\u017e t\u0159iceti lety, na spl\u00e1cen\u00ed je tedy dostatek \u010dasu a lze zvolit takovou variantu, je\u017e bude vyhovovat dlu\u017en\u00edkovi nejv\u00edce. P\u0159edschv\u00e1len\u00ed smlouvy se st\u00edh\u00e1 ji\u017e do \u010dty\u0159iadvaceti hodin od dod\u00e1n\u00ed v\u0161ech relevantn\u00edch podklad\u016f. Za p\u016fj\u010den\u00e9 pen\u00edze lze ru\u010dit jakoukoliv nemovitost\u00ed na \u00fazem\u00ed na\u0161eho st\u00e1tu, vlastn\u00ed stejn\u011b jako n\u011bjak\u00e9 t\u0159et\u00ed osoby, je\u017e s t\u00edm bude souhlasit. Na takovou nemovitost lze \u010derpat p\u016fj\u010dku ve v\u00fd\u0161i a\u017e sedmdes\u00e1ti procent jej\u00ed odhadn\u00ed ceny. Po celou dobu spl\u00e1cen\u00ed on\u00e9 hypot\u00e9ky z\u016fst\u00e1v\u00e1 dlu\u017en\u00edk jej\u00edm majitelem a u\u017eivatelem, pouze na on\u00e9 nemovitosti vis\u00ed z\u00e1stava. V\u0161e lze pozd\u011bji p\u0159\u00edpadn\u011b splatit i p\u0159ed\u010dasn\u011b a bez sankc\u00ed.  \u010clov\u011bku tak sta\u010d\u00ed vyplnit formul\u00e1\u0159 na internetu a poslat poskytovateli p\u016fj\u010dky e-mailem n\u011bkolik sn\u00edmk\u016f zastavovan\u00e9 nemovitosti k posouzen\u00ed. A pak u\u017e jenom sta\u010d\u00ed po\u010dkat si na z\u00e1stupce poskytovatele, s n\u00edm\u017e se proberou v\u0161echny podrobnosti a jeden a\u017e t\u0159i dni po podpisu smlouvy m\u00e1 \u010dlov\u011bk pen\u00edze na \u00fa\u010dtu. A co si p\u0159\u00e1t v\u00edc, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d nebankovn\u00ed hypot\u00e9ka?","item":"https:\/\/www.bran.cz\/proc-nebankovni-hypoteka\/#breadcrumbitem"}]}]