[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nwdc.cz\/jake-nevyhody-ma-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.nwdc.cz\/jake-nevyhody-ma-nebankovni-hypoteka\/","headline":"Jak\u00e9 nev\u00fdhody m\u00e1 nebankovn\u00ed hypot\u00e9ka","name":"Jak\u00e9 nev\u00fdhody m\u00e1 nebankovn\u00ed hypot\u00e9ka","description":"A\u010d se tento syst\u00e9m m\u016f\u017ee zd\u00e1t zastaral\u00fd, st\u00e1le je\u0161t\u011b se najde mnoho lid\u00ed, kte\u0159\u00ed si na koupi nemovitosti berou hypot\u00e9ku. Nen\u00ed tedy divu, \u017ee jich existuje mnoho typ\u016f, aby si ka\u017ed\u00fd mohl vybrat tu, kter\u00e1 mu bude nejl\u00e9pe vyhovovat. A faktem je, \u017ee se li\u0161\u00ed i poskytovatel\u00e9. Velkou popularitu si dlouhodob\u011b dr\u017e\u00ed takzvan\u00e1 nebankovn\u00ed hypot\u00e9ka...","datePublished":"2023-05-03","dateModified":"2023-07-03","author":{"@type":"Person","@id":"https:\/\/www.nwdc.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.nwdc.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nwdc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nwdc.cz\/wp-content\/uploads\/hypoteka4_10_10_10_10_10_10_10_10_10_10_2.jpg","url":"https:\/\/www.nwdc.cz\/wp-content\/uploads\/hypoteka4_10_10_10_10_10_10_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.nwdc.cz\/jake-nevyhody-ma-nebankovni-hypoteka\/","about":["Finance"],"wordCount":422,"articleBody":"   A\u010d se tento syst\u00e9m m\u016f\u017ee zd\u00e1t zastaral\u00fd, st\u00e1le je\u0161t\u011b se najde mnoho lid\u00ed, kte\u0159\u00ed si na koupi nemovitosti berou hypot\u00e9ku. Nen\u00ed tedy divu, \u017ee jich existuje mnoho typ\u016f, aby si ka\u017ed\u00fd mohl vybrat tu, kter\u00e1 mu bude nejl\u00e9pe vyhovovat. A faktem je, \u017ee se li\u0161\u00ed i poskytovatel\u00e9. Velkou popularitu si dlouhodob\u011b dr\u017e\u00ed takzvan\u00e1 nebankovn\u00ed hypot\u00e9ka https:\/\/www.fahd.cz\/nebankovni-hypoteka\/, tedy hypot\u00e9ka poskytnut\u00e1 nebankovn\u00ed spole\u010dnost\u00ed. Jist\u011b, m\u016f\u017ee se zd\u00e1t, \u017ee by bylo v\u00fdhodn\u011bj\u0161\u00ed j\u00edt do banky, faktem v\u0161ak je, \u017ee tyto firmy, poskytuj\u00edc\u00ed finan\u010dn\u00ed slu\u017eby, maj\u00ed \u010dasto mnohem ni\u017e\u0161\u00ed krit\u00e9ria pro schv\u00e1len\u00ed \u017e\u00e1dosti. Na pen\u00edze tak dos\u00e1hnou i ti, kte\u0159\u00ed by byli v bance odm\u00edtnuti.Je pravdou, \u017ee d\u00edky tomu se m\u016f\u017ee sen o vlastn\u00edm bydlen\u00ed splnit mnohem v\u00edce lidem, av\u0161ak je pot\u0159eba p\u0159iznat, \u017ee ani zde nen\u00ed v\u0161e r\u016f\u017eov\u00e9. Tento typ hypot\u00e9k v sob\u011b nese tak\u00e9 pro dlu\u017en\u00edka ur\u010dit\u00e1 rizika, se kter\u00fdmi se u banky nesetk\u00e1. T\u00edm hlavn\u00edm a asi nejd\u016fle\u017eit\u011bj\u0161\u00edm je ztr\u00e1ta p\u0159\u00edjmu. Hypot\u00e9ku si bereme na velmi dlouhou dobu, a je jasn\u00e9, \u017ee se na\u0161e finan\u010dn\u00ed situace m\u016f\u017ee za ta l\u00e9ta hodn\u011b zm\u011bnit. I to je d\u016fvod, pro\u010d banky nab\u00edz\u00ed poji\u0161t\u011bn\u00ed proti ztr\u00e1t\u011b p\u0159\u00edjmu, kter\u00e9 m\u00e1 za \u00fakol zm\u00edrnit n\u00e1sledky nap\u0159\u00edklad ztr\u00e1ty zam\u011bstn\u00e1n\u00ed. U nebankovn\u00edch spole\u010dnost\u00ed nic takov\u00e9ho nenajdeme, tam si v takov\u00e9m p\u0159\u00edpad\u011b mus\u00edme pomoci sami.S t\u00edm souvis\u00ed i fakt, \u017ee zde najdeme i mnohem tvrd\u0161\u00ed postihy za nesplacen\u00ed, stejn\u011b jako vy\u0161\u0161\u00ed \u00faroky. Celkov\u011b tedy, i kdy\u017e v\u0161e splat\u00edme podle pl\u00e1nu, nakonec zaplat\u00edme v\u00edce pen\u011bz, ne\u017e bychom dali bance. To m\u016f\u017ee b\u00fdt probl\u00e9mem zejm\u00e9na pro soci\u00e1ln\u011b slab\u0161\u00ed ob\u010dany. Pr\u00e1v\u011b ti jsou \u010dasto ter\u010dem reklamn\u00edch kampan\u00ed t\u011bchto spole\u010dnost\u00ed, nebo\u0165 p\u0159edstavuj\u00ed velmi snadn\u00fd c\u00edl. \u010casto pak cel\u00e1 situace kon\u010d\u00ed p\u00e1dem do dluhov\u00e9 pasti a exekuc\u00ed. Tomu je samoz\u0159ejm\u011b mnohem lep\u0161\u00ed se vyhnout. Proto bychom si m\u011bli jakoukoliv p\u016fj\u010dku, a to v\u010detn\u011b hypot\u00e9ky, nejprve \u0159\u00e1dn\u011b promyslet, zvl\u00e1\u0161t\u011b pokud si ji chceme vz\u00edt u nebankovn\u00edch spole\u010dnost\u00ed. \u0160patn\u00e9 rozhodnut\u00ed by toti\u017e mohlo m\u00edt nep\u011bkn\u00e9 n\u00e1sledky.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e9 nev\u00fdhody m\u00e1 nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.nwdc.cz\/jake-nevyhody-ma-nebankovni-hypoteka\/#breadcrumbitem"}]}]