[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dhbaits.cz\/co-je-to-vlastne-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.dhbaits.cz\/co-je-to-vlastne-nebankovni-hypoteka\/","headline":"Co je to vlastn\u011b nebankovn\u00ed hypot\u00e9ka?","name":"Co je to vlastn\u011b nebankovn\u00ed hypot\u00e9ka?","description":"V dne\u0161n\u00ed dob\u011b nalezneme velkou \u0161k\u00e1lu finan\u010dn\u00edch produkt\u016f. Mnoh\u00e9 z nich se vztahuj\u00ed k financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Jedn\u00edm z nich je i nebankovn\u00ed hypot\u00e9ka Hypot\u00e9ka bez registru. I t\u011bchto typ\u016f \u00fav\u011br\u016f existuje na trhu nep\u0159ebern\u00e9 mno\u017estv\u00ed a laik m\u016f\u017ee m\u00edt... <a class=\"more-link\" href=\"https:\/\/www.dhbaits.cz\/co-je-to-vlastne-nebankovni-hypoteka\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2019-09-13","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.dhbaits.cz\/author\/#Person","name":"dhbaits.cz\n","url":"https:\/\/www.dhbaits.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dhbaits.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dhbaits.cz\/wp-content\/uploads\/img_a365818_w1914_t1578481398.jpg","url":"https:\/\/www.dhbaits.cz\/wp-content\/uploads\/img_a365818_w1914_t1578481398.jpg","height":0,"width":0},"url":"https:\/\/www.dhbaits.cz\/co-je-to-vlastne-nebankovni-hypoteka\/","about":["Ekonomika"],"wordCount":551,"articleBody":"             V dne\u0161n\u00ed dob\u011b nalezneme velkou \u0161k\u00e1lu finan\u010dn\u00edch produkt\u016f. Mnoh\u00e9 z nich se vztahuj\u00ed k financov\u00e1n\u00ed vlastn\u00edho bydlen\u00ed. Jedn\u00edm z nich je i nebankovn\u00ed hypot\u00e9ka Hypot\u00e9ka bez registru. I t\u011bchto typ\u016f \u00fav\u011br\u016f existuje na trhu nep\u0159ebern\u00e9 mno\u017estv\u00ed a laik m\u016f\u017ee m\u00edt probl\u00e9m se v nich vyznat. O co se tedy jedn\u00e1? Ve stru\u010dnosti se jedn\u00e1 o \u00fav\u011br na financov\u00e1n\u00ed bydlen\u00ed (tedy koupi nebo rekonstrukci domu \u010di bytu), poskytovan\u00fd nebankovn\u00ed spole\u010dnost\u00ed. Nab\u00edz\u00ed se samoz\u0159ejm\u011b ot\u00e1zka, pro\u010d zvolit tento typ hypot\u00e9ky nam\u00edsto klasick\u00e9 bankovn\u00ed. Faktem je, \u017ee nebankovn\u00ed \u00fav\u011bry maj\u00ed i sv\u00e9 v\u00fdhody. T\u00edm nejd\u016fle\u017eit\u011bj\u0161\u00edm je jednoduchost sjedn\u00e1n\u00ed a snadn\u00e1 dostupnost. Zat\u00edmco v bance mus\u00edte dokl\u00e1dat p\u0159\u00edjmy a dal\u0161\u00ed v\u011bci a n\u00e1sledn\u011b \u010dekat, zda v\u00e1m p\u016fj\u010dku schv\u00e1l\u00ed, u nebankovn\u00edch spole\u010dnost\u00ed je cel\u00fd proces mnohem jednodu\u0161\u0161\u00ed. Jeliko\u017e obvykle nen\u00ed pot\u0159eba dokl\u00e1dat p\u0159\u00edjem a p\u016fj\u010dku poskytnou ka\u017ed\u00e9mu, nemus\u00edte se b\u00e1t, \u017ee pen\u00edze nedostanete. Tak\u00e9 cel\u00fd proces je mnohem rychlej\u0161\u00ed a jednodu\u0161\u0161\u00ed. N\u011bkter\u00e9 spole\u010dnosti dokonce umo\u017e\u0148uj\u00ed prov\u00e9st cel\u00fd proces p\u0159es internet. Zad\u00e1n\u00ed a vy\u0159\u00edzen\u00ed tohoto typu hypot\u00e9ky netrv\u00e1 \u010dasto d\u00e9le ne\u017e deset minut. Jak\u00e1 jsou ale rizika tohoto typu p\u016fj\u010dek na bydlen\u00ed? Jedn\u00edm z hlavn\u00edch je to, \u017ee si spole\u010dnost neprov\u011b\u0159\u00ed schopnost klienta p\u016fj\u010dku spl\u00e1cet. To znamen\u00e1, \u017ee na ni dos\u00e1hnou i lid\u00e9, kte\u0159\u00ed nemaj\u00ed prakticky \u017e\u00e1dn\u00fd p\u0159\u00edjem a nemohou tedy platit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. P\u0159esn\u011b na tuto skupinu obyvatel je v\u0161ak tento produkt zam\u011b\u0159en. Jak to? Jednodu\u0161e. Tyto hypot\u00e9ky b\u00fdvaj\u00ed zat\u00ed\u017eeny pom\u011brn\u011b velk\u00fdm \u00farokem a \u010dasto i mno\u017estv\u00edm skryt\u00fdch poplatk\u016f. Co se tedy stane, pokud nejsou spl\u00e1tky v\u010das hrazeny? P\u0159edev\u0161\u00edm v\u011bt\u0161ina t\u011bchto spole\u010dnost\u00ed nem\u00e1 probl\u00e9m s t\u00edm poskytnout odklad. To zn\u00ed sice dob\u0159e, av\u0161ak mus\u00edme si uv\u011bdomit, \u017ee \u010d\u00edm del\u0161\u00ed je celkov\u00e1 doba spl\u00e1cen\u00ed, t\u00edm vy\u0161\u0161\u00ed jsou i \u00faroky a t\u00edm i celkov\u00e1 \u010d\u00e1stka. A pokud klient neplat\u00ed del\u0161\u00ed dobu, n\u00e1sleduje samoz\u0159ejm\u011b exekuce. Vzhledem k tomu, \u017ee na n\u00e1kup domu \u010di bytu jsou pot\u0159eba pom\u011brn\u011b vysok\u00e9 \u010d\u00e1stky, doch\u00e1z\u00ed velmi \u010dasto k tomu, \u017ee je v r\u00e1mci exekuce zabavena pr\u00e1v\u011b koupen\u00e1 nemovitost. Klienti se tedy v kone\u010dn\u00e9m d\u016fsledku ocitnou je\u0161t\u011b v hor\u0161\u00ed situaci, ne\u017e je ta, v jak\u00e9 za\u010d\u00ednali.  Samoz\u0159ejm\u011b tyto praktiky se pohybuj\u00ed na hran\u011b z\u00e1kona, ani\u017e by ji ov\u0161em p\u0159ekro\u010dili. Jsou v\u0161ak daleko za hranou mor\u00e1lky. Proti nim v\u0161ak nem\u016f\u017eeme nic d\u011blat \u2013 dokud bude nab\u00eddka, bude i popt\u00e1vka. A lid\u00ed, kte\u0159\u00ed vid\u00ed okam\u017eit\u00e9 pen\u00edze na bydlen\u00ed a u\u017e nekoukaj\u00ed na spl\u00e1tky, je st\u00e1le bohu\u017eel mnoho. Jedin\u00fdm zp\u016fsobem je zde prevence p\u0159edev\u0161\u00edm pomoc\u00ed osv\u011bty ve sd\u011blovac\u00edch prost\u0159edc\u00edch a \u00fabytek jejich z\u00e1kazn\u00edk\u016f. Jen tak tyto firmy p\u0159estanou fungovat.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to vlastn\u011b nebankovn\u00ed hypot\u00e9ka?","item":"https:\/\/www.dhbaits.cz\/co-je-to-vlastne-nebankovni-hypoteka\/#breadcrumbitem"}]}]