[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.comnetpl.cz\/hypoteka-ktera-vas-nestahne-ke-dnu\/#Article","mainEntityOfPage":"https:\/\/www.comnetpl.cz\/hypoteka-ktera-vas-nestahne-ke-dnu\/","headline":"Hypot\u00e9ka, kter\u00e1 v\u00e1s nest\u00e1hne ke dnu","name":"Hypot\u00e9ka, kter\u00e1 v\u00e1s nest\u00e1hne ke dnu","description":"N\u00edzk\u00fd p\u0159\u00edjem m\u016f\u017ee b\u00fdt pro z\u00edsk\u00e1n\u00ed pot\u0159ebn\u00e9ho \u00fav\u011bru opravdu velkou p\u0159ek\u00e1\u017ekou. Nicm\u00e9n\u011b kdy\u017e se obr\u00e1t\u00edte na","datePublished":"2019-07-09","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.comnetpl.cz\/author\/#Person","name":"comnetpl.cz\n","url":"https:\/\/www.comnetpl.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa16db3f0f92015edeb6ced2fbc10116de89c6b4888114a368937de5fe58241b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa16db3f0f92015edeb6ced2fbc10116de89c6b4888114a368937de5fe58241b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"comnetpl.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.comnetpl.cz\/wp-content\/uploads\/img_a354313_w1922_t1568881867.jpg","url":"https:\/\/www.comnetpl.cz\/wp-content\/uploads\/img_a354313_w1922_t1568881867.jpg","height":0,"width":0},"url":"https:\/\/www.comnetpl.cz\/hypoteka-ktera-vas-nestahne-ke-dnu\/","about":["Finance"],"wordCount":433,"articleBody":"         N\u00edzk\u00fd p\u0159\u00edjem m\u016f\u017ee b\u00fdt pro z\u00edsk\u00e1n\u00ed pot\u0159ebn\u00e9ho \u00fav\u011bru opravdu velkou p\u0159ek\u00e1\u017ekou. Nicm\u00e9n\u011b kdy\u017e se obr\u00e1t\u00edte na tu spr\u00e1vnou finan\u010dn\u00ed spole\u010dnost, tak zjist\u00edte, \u017ee v\u017edy se d\u00e1 dohodnout. V tom spo\u010d\u00edv\u00e1 obrovsk\u00fd rozd\u00edl mezi bankami a nebankovn\u00edmi spole\u010dnostmi. Zat\u00edmco v bance v\u00e1s s n\u00edzkou bonitou rovnou vyprovod\u00ed ze dve\u0159\u00ed, tak v nebankovn\u00ed spole\u010dnosti v\u00e1m nab\u00eddnou r\u016fzn\u00e9 mo\u017enosti, jak celou v\u011bc vy\u0159e\u0161it. A mezi nimi nebude samoz\u0159ejm\u011b chyb\u011bt ani hypot\u00e9ka bez p\u0159\u00edjmu.Co je hypot\u00e9ka bez p\u0159\u00edjmu? Mnoz\u00ed lid\u00e9 si mysl\u00ed, \u017ee kdy\u017e po\u017e\u00e1daj\u00ed o hypot\u00e9ku bez p\u0159\u00edjmu, tak automaticky dostanou pen\u00edze bez toho, \u017ee by museli sv\u00e9 p\u0159\u00edjmy dokl\u00e1dat. To je ov\u0161em velk\u00fd omyl. Hypot\u00e9ka bez p\u0159\u00edjmu je takov\u00e1 hypot\u00e9ka, kter\u00e1 je schopna tolerovat n\u00edzkou bonitu \u2013 tak\u017ee i s n\u00edzk\u00fdmi p\u0159\u00edjmy m\u016f\u017eete v takov\u00e9m p\u0159\u00edpad\u011b p\u016fj\u010dku z\u00edskat. Ov\u0161em pozor \u2013 z\u00edskat ji m\u016f\u017eete, ale nemus\u00edte.V\u0161e z\u00e1le\u017e\u00ed na va\u0161\u00ed konkr\u00e9tn\u00ed finan\u010dn\u00ed situaci. V\u017edy\u0165 prov\u011b\u0159it si p\u0159\u00edjmy \u017eadatele o hypot\u00e9ku a jeho bonitu je dokonce z\u00e1konnou povinnost\u00ed v\u0161ech poskytovatel\u016f p\u016fj\u010dek. Tak\u017ee kdy\u017e poskytovatel \u00fav\u011br\u016f zjist\u00ed, \u017ee m\u00e1te n\u00edzkou bonitu, tak z\u00e1le\u017e\u00ed jen na n\u011bm, jak s takov\u00fdm zji\u0161t\u011bn\u00edm nalo\u017e\u00ed, a jak vyhodnot\u00ed mo\u017en\u00e1 rizika. Jist\u00e9 je, \u017ee nikdo nem\u00e1 z\u00e1jem o dlu\u017en\u00edky, kte\u0159\u00ed by se dostali do probl\u00e9m\u016f se spl\u00e1cen\u00edm \u2013 tyto probl\u00e9my postupn\u011b st\u00e1hnou ke dnu nejen dlu\u017en\u00edka, ale zp\u016fsob\u00ed celou \u0159adu pot\u00ed\u017e\u00ed i v\u011b\u0159iteli \u2013 a to je d\u016fvod, pro\u010d si ka\u017ed\u00fd poskytovatel \u00fav\u011br\u016f dob\u0159e rozmysl\u00ed, komu pen\u00edze p\u016fj\u010d\u00ed, a komu nikoli.V \u010dem v\u00e1m vyjde vst\u0159\u00edc nebankovn\u00ed spole\u010dnost? Nebankovn\u00ed spole\u010dnosti jsou v tomto sm\u011bru mnohem v\u00edce vst\u0159\u00edcn\u00e9 a p\u0159\u00edstupn\u00e9 dialogu. A d\u016fle\u017eit\u00e9 je jist\u011b to, \u017ee ka\u017edou \u017e\u00e1dost posuzuj\u00ed individu\u00e1ln\u011b, stejn\u011b tak jako mo\u017enosti ka\u017ed\u00e9ho \u017eadatele. Pr\u00e1v\u011b proto v\u00e1m mohou nab\u00eddnout takovou p\u016fj\u010dku, kter\u00e1 v\u00e1m spln\u00ed va\u0161e sny, i kdy\u017e m\u00e1te n\u00edzkou bonitu, a nebude pro v\u00e1s nep\u0159im\u011b\u0159enou z\u00e1t\u011b\u017e\u00ed \u2013 pr\u00e1v\u011b takov\u00e1 je nebankovn\u00ed hypot\u00e9ka bez p\u0159\u00edjmu.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka, kter\u00e1 v\u00e1s nest\u00e1hne ke dnu","item":"https:\/\/www.comnetpl.cz\/hypoteka-ktera-vas-nestahne-ke-dnu\/#breadcrumbitem"}]}]