[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wattest.cz\/pro-koho-je-urcena-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.wattest.cz\/pro-koho-je-urcena-nebankovni-hypoteka\/","headline":"Pro koho je ur\u010dena nebankovn\u00ed hypot\u00e9ka?","name":"Pro koho je ur\u010dena nebankovn\u00ed hypot\u00e9ka?","description":"Hypot\u00e9ku asi nen\u00ed zapot\u0159eb\u00ed nijak zdlouhav\u011b p\u0159edstavovat, jedn\u00e1 se o produkt, kter\u00fd nab\u00edz\u00ed \u0159ada bankovn\u00edch, ale i nebankovn\u00edch spole\u010dnost\u00ed. V podstat\u011b jde o dlouhodob\u00fd \u00fav\u011br, kter\u00fd je zpravidla sv\u00e1z\u00e1n s nemovitost\u00ed. I d\u00edky tomu m\u016f\u017ee \u017eadatel z\u00edskat velmi v\u00fdhodnou \u00farokovou sazbu, nebo\u0165 pro banku nep\u0159edstavuje a\u017e tak velk\u00e9 riziko. \u017dadatel nen\u00ed schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f Chcete \u017e\u00e1dat o \u00fav\u011br v bance? Prvn\u00ed, co po v\u00e1s bude banka po\u017eadovat je dolo\u017een\u00ed pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f a dolo\u017een\u00ed pracovn\u00edho pom\u011bru za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. M\u016f\u017ee v\u0161ak usp\u011bt i \u017eadatel, kter\u00fd m\u00e1 pracovn\u00ed z\u00e1vazek jen na dobu ur\u010ditou. \u00dav\u011brov\u00e1 smlouva v\u0161ak mus\u00ed b\u00fdt uzav\u0159ena jen na tak dlouhou dobu, po kterou trv\u00e1 pracovn\u00ed smlouva. V p\u0159\u00edpad\u011b, \u017ee se \u017eadatel moment\u00e1ln\u011b nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, na \u00fav\u011br v bance nem\u00e1 \u0161anci dos\u00e1hnout. Podobn\u00fd osud \u010dek\u00e1 i \u017eadatele, kte\u0159\u00ed maj\u00ed p\u0159\u00edjem formou soci\u00e1ln\u00edch d\u00e1vek. Nikdo toti\u017e nedok\u00e1\u017ee objektivn\u011b posoudit, jak dlouho budou moci \u00fav\u011br spl\u00e1cet. U nebankovn\u00edch instituc\u00ed je v\u0161ak situace jin\u00e1. Na \u00fav\u011br m\u016f\u017ee \u017eadatel dos\u00e1hnout i v p\u0159\u00edpad, \u017ee nen\u00ed schopen odpov\u00eddaj\u00edc\u00edm zp\u016fsobem dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f. Jednu z mo\u017enost\u00ed p\u0159edstavuje i americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. \u017dadatel m\u00e1 z\u00e1znam v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f Krom v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f banky ov\u011b\u0159uj\u00ed i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Pokud jste se n\u011bkdy v minulosti dostali do situace, kdy jste nebyli schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm v\u016f\u010di v\u011b\u0159itel\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v jednom z nich budete figurovat. Schv\u00e1len\u00ed nebankovn\u00ed hypot\u00e9ky v\u0161ak nen\u00ed podm\u00edn\u011bno \u010dist\u00fdm registrem, na \u00fav\u011br mohou dos\u00e1hnout i tac\u00ed, kte\u0159\u00ed z\u00e1znam maj\u00ed. Nebankovn\u00ed instituce toti\u017e velmi \u010dasto do registru v\u016fbec nenahl\u00ed\u017e\u00ed nebo na tuto skute\u010dnost neberou z\u0159etel. Dalo by se tedy \u0159\u00edci, \u017ee nebankovn\u00ed \u00fav\u011brov\u00e9 produkty vyu\u017eij\u00ed nejv\u00edce tzv. rizikov\u00fd \u017eadatel\u00e9. 4.2\/5 - (9 votes)","datePublished":"2022-02-14","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.wattest.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.wattest.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wattest.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wattest.cz\/wp-content\/uploads\/pexels-energepiccom-2988232_2.jpg","url":"https:\/\/www.wattest.cz\/wp-content\/uploads\/pexels-energepiccom-2988232_2.jpg","height":0,"width":0},"url":"https:\/\/www.wattest.cz\/pro-koho-je-urcena-nebankovni-hypoteka\/","about":["Pen\u00edze"],"wordCount":399,"articleBody":"   Hypot\u00e9ku asi nen\u00ed zapot\u0159eb\u00ed nijak zdlouhav\u011b p\u0159edstavovat, jedn\u00e1 se o produkt, kter\u00fd nab\u00edz\u00ed \u0159ada bankovn\u00edch, ale i nebankovn\u00edch spole\u010dnost\u00ed. V podstat\u011b jde o dlouhodob\u00fd \u00fav\u011br, kter\u00fd je zpravidla sv\u00e1z\u00e1n s nemovitost\u00ed. I d\u00edky tomu m\u016f\u017ee \u017eadatel z\u00edskat velmi v\u00fdhodnou \u00farokovou sazbu, nebo\u0165 pro banku nep\u0159edstavuje a\u017e tak velk\u00e9 riziko. \u017dadatel nen\u00ed schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016fChcete \u017e\u00e1dat o \u00fav\u011br v bance? Prvn\u00ed, co po v\u00e1s bude banka po\u017eadovat je dolo\u017een\u00ed pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f a dolo\u017een\u00ed pracovn\u00edho pom\u011bru za pomoci pracovn\u00ed smlouvy na dobu neur\u010ditou. M\u016f\u017ee v\u0161ak usp\u011bt i \u017eadatel, kter\u00fd m\u00e1 pracovn\u00ed z\u00e1vazek jen na dobu ur\u010ditou. \u00dav\u011brov\u00e1 smlouva v\u0161ak mus\u00ed b\u00fdt uzav\u0159ena jen na tak dlouhou dobu, po kterou trv\u00e1 pracovn\u00ed smlouva. V p\u0159\u00edpad\u011b, \u017ee se \u017eadatel moment\u00e1ln\u011b nach\u00e1z\u00ed ve zku\u0161ebn\u00ed nebo v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b, na \u00fav\u011br v bance nem\u00e1 \u0161anci dos\u00e1hnout. Podobn\u00fd osud \u010dek\u00e1 i \u017eadatele, kte\u0159\u00ed maj\u00ed p\u0159\u00edjem formou soci\u00e1ln\u00edch d\u00e1vek. Nikdo toti\u017e nedok\u00e1\u017ee objektivn\u011b posoudit, jak dlouho budou moci \u00fav\u011br spl\u00e1cet. U nebankovn\u00edch instituc\u00ed je v\u0161ak situace jin\u00e1. Na \u00fav\u011br m\u016f\u017ee \u017eadatel dos\u00e1hnout i v p\u0159\u00edpad, \u017ee nen\u00ed schopen odpov\u00eddaj\u00edc\u00edm zp\u016fsobem dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f. Jednu z mo\u017enost\u00ed p\u0159edstavuje i americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. \u017dadatel m\u00e1 z\u00e1znam v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f Krom v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f banky ov\u011b\u0159uj\u00ed i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Pokud jste se n\u011bkdy v minulosti dostali do situace, kdy jste nebyli schopni dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm v\u016f\u010di v\u011b\u0159itel\u016fm, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v jednom z nich budete figurovat. Schv\u00e1len\u00ed nebankovn\u00ed hypot\u00e9ky v\u0161ak nen\u00ed podm\u00edn\u011bno \u010dist\u00fdm registrem, na \u00fav\u011br mohou dos\u00e1hnout i tac\u00ed, kte\u0159\u00ed z\u00e1znam maj\u00ed. Nebankovn\u00ed instituce toti\u017e velmi \u010dasto do registru v\u016fbec nenahl\u00ed\u017e\u00ed nebo na tuto skute\u010dnost neberou z\u0159etel. Dalo by se tedy \u0159\u00edci, \u017ee nebankovn\u00ed \u00fav\u011brov\u00e9 produkty vyu\u017eij\u00ed nejv\u00edce tzv. rizikov\u00fd \u017eadatel\u00e9.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro koho je ur\u010dena nebankovn\u00ed hypot\u00e9ka?","item":"https:\/\/www.wattest.cz\/pro-koho-je-urcena-nebankovni-hypoteka\/#breadcrumbitem"}]}]