[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.goldini.cz\/mate-zajem-o-nebankovni-hypoteku-a-pritom-mate-strach-z-ruceni-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.goldini.cz\/mate-zajem-o-nebankovni-hypoteku-a-pritom-mate-strach-z-ruceni-nemovitosti\/","headline":"M\u00e1te z\u00e1jem o nebankovn\u00ed hypot\u00e9ku, a p\u0159itom m\u00e1te strach z ru\u010den\u00ed nemovitost\u00ed?","name":"M\u00e1te z\u00e1jem o nebankovn\u00ed hypot\u00e9ku, a p\u0159itom m\u00e1te strach z ru\u010den\u00ed nemovitost\u00ed?","description":"Takov\u00e9 obavy se u \u017eadatel\u016f o \u00fav\u011br objevuj\u00ed pom\u011brn\u011b \u010dasto. A mnoh\u00e9 lidi od v\u00fdhodn\u00e9ho \u00fav\u011bru dokonce odrad\u00ed. A to je \u0161koda, proto\u017ee podm\u00ednky z\u00edsk\u00e1n\u00ed vst\u0159\u00edcn\u00e9 nebankovn\u00ed hypot\u00e9ky jsou pom\u011brn\u011b prost\u00e9, a ty dv\u011b prost\u00e9 podm\u00ednky, kter\u00e9 mus\u00edte splnit, m\u00e1lem ani nestoj\u00ed za \u0159e\u010d. Tak jako v\u0161ude jinde, tak i zde mus\u00edte m\u00edt solidn\u00ed bonitu.&#8230;<p class=\"more-link\"><a href=\"https:\/\/www.goldini.cz\/mate-zajem-o-nebankovni-hypoteku-a-pritom-mate-strach-z-ruceni-nemovitosti\/\" class=\"themebutton\">Read More<\/a><\/p>","datePublished":"2020-05-17","dateModified":"2020-05-17","author":{"@type":"Person","@id":"https:\/\/www.goldini.cz\/author\/#Person","name":"","url":"https:\/\/www.goldini.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e746f9a3ec3ffe02f5df809714d800d50faf9f4f5ba0a7962a5d8229603fd33b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e746f9a3ec3ffe02f5df809714d800d50faf9f4f5ba0a7962a5d8229603fd33b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"goldini.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.goldini.cz\/wp-content\/uploads\/drobne%20mince%20(3).jpg","url":"https:\/\/www.goldini.cz\/wp-content\/uploads\/drobne%20mince%20(3).jpg","height":0,"width":0},"url":"https:\/\/www.goldini.cz\/mate-zajem-o-nebankovni-hypoteku-a-pritom-mate-strach-z-ruceni-nemovitosti\/","about":["Ekonomika"],"wordCount":422,"articleBody":"    Takov\u00e9 obavy se u \u017eadatel\u016f o \u00fav\u011br objevuj\u00ed pom\u011brn\u011b \u010dasto. A mnoh\u00e9 lidi od v\u00fdhodn\u00e9ho \u00fav\u011bru dokonce odrad\u00ed. A to je \u0161koda, proto\u017ee podm\u00ednky z\u00edsk\u00e1n\u00ed vst\u0159\u00edcn\u00e9 nebankovn\u00ed hypot\u00e9ky jsou pom\u011brn\u011b prost\u00e9, a ty dv\u011b prost\u00e9 podm\u00ednky, kter\u00e9 mus\u00edte splnit, m\u00e1lem ani nestoj\u00ed za \u0159e\u010d. Tak jako v\u0161ude jinde, tak i zde mus\u00edte m\u00edt solidn\u00ed bonitu. Prok\u00e1z\u00e1n\u00ed dostate\u010dn\u00fdch p\u0159\u00edjm\u016f a v\u00fddaj\u016f se nevyhnete, a\u0165 u\u017e se obr\u00e1t\u00edte kamkoli. Jedn\u00e1 se o z\u00e1konem stanovenou podm\u00ednku, kterou mus\u00ed dodr\u017eet ka\u017ed\u00fd poskytovatel \u00fav\u011br\u016f. Jen\u017ee bonitu netvo\u0159\u00ed jen jedno jedin\u00e9 \u010d\u00edslo a jej\u00ed posouzen\u00ed je ot\u00e1zkou prov\u011b\u0159en\u00ed cel\u00e9 \u0159ady faktor\u016f, kter\u00e9 spolu vz\u00e1jemn\u011b souvisej\u00ed. V praxi to znamen\u00e1, \u017ee kdy\u017e posuzujete n\u011bco tak komplexn\u00edho, \u010d\u00edm bonita \u017eadatele bezesporu je, tak m\u00e1te na v\u00fdb\u011br, jak se k cel\u00e9 v\u011bci postav\u00edte \u2013 a kdy\u017e na tom \u017eadatel nen\u00ed vysloven\u011b \u0161patn\u011b, tak z\u00e1le\u017e\u00ed jen na v\u00e1s, do jak\u00e9 m\u016fry mu vyjdete vst\u0159\u00edc, nebo naopak. A v tom se projevuje zna\u010dn\u00fd rozd\u00edl mezi bankami a nebankovn\u00edmi spole\u010dnostmi. Zat\u00edmco banky striktn\u011b trvaj\u00ed na pln\u011bn\u00ed sv\u00fdch p\u0159edem p\u0159\u00edsn\u011b nastaven\u00fdch krit\u00e9ri\u00ed. Nebankovn\u00ed spole\u010dnosti vol\u00ed flexibiln\u00ed p\u0159\u00edstup a sna\u017e\u00ed se v\u00e1m vyj\u00edt maxim\u00e1ln\u011b vst\u0159\u00edc.  Jak ji\u017e bylo \u0159e\u010deno, druhou podm\u00ednkou pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru je v p\u0159\u00edpad\u011b nebankovn\u00edch p\u016fj\u010dek ru\u010den\u00ed nemovitost\u00ed. Ale ani to nen\u00ed \u017e\u00e1dn\u00e1 v\u011bda, a dokonce zde existuje \u0161ikovn\u00e9 \u0159e\u0161en\u00ed pro p\u0159\u00edpad, \u017ee opravdu \u017e\u00e1dnou nemovitost nevlastn\u00edte. Prvn\u00edm vst\u0159\u00edcn\u00fdm krokem poskytovatele \u00fav\u011br\u016f v\u016f\u010di \u017eadatel\u016fm je to, \u017ee m\u016f\u017eete ru\u010dit libovoln\u00fdm nemovit\u00fdm majetkem. M\u016f\u017eete si sjednat nebankovn\u00ed hypot\u00e9ku fahd.cz na pozemek, na gar\u00e1\u017e, na rekrea\u010dn\u00ed chatu, a obvykl\u00e9 je samoz\u0159ejm\u011b i ru\u010den\u00ed bytem anebo domem. Zkr\u00e1tka jde o to, aby v\u00e1mi zvolen\u00e1 nemovitost m\u011bla takovou hodnotu, kter\u00e1 bude korespondovat s v\u00fd\u0161\u00ed \u010d\u00e1stky, o jakou m\u00e1te z\u00e1jem. Jednodu\u0161e \u0159e\u010deno, kdy\u017e chcete z\u00edskat hodn\u011b pen\u011bz, mus\u00edte zvolit i hodnotnou nemovitost.  A kdy\u017e \u017e\u00e1dnou nemovitost nevlastn\u00edte? V tom p\u0159\u00edpad\u011b se za v\u00e1s m\u016f\u017ee sv\u00fdm majetkem zaru\u010dit libovoln\u00e1 t\u0159et\u00ed osoba, kdokoli, kdo s t\u00edm bude souhlasit.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1te z\u00e1jem o nebankovn\u00ed hypot\u00e9ku, a p\u0159itom m\u00e1te strach z ru\u010den\u00ed nemovitost\u00ed?","item":"https:\/\/www.goldini.cz\/mate-zajem-o-nebankovni-hypoteku-a-pritom-mate-strach-z-ruceni-nemovitosti\/#breadcrumbitem"}]}]