[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.adares.cz\/o-hypoteku-je-mozne-zadat-i-bez-pravidelneho-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.adares.cz\/o-hypoteku-je-mozne-zadat-i-bez-pravidelneho-prijmu\/","headline":"O hypot\u00e9ku je mo\u017en\u00e9 \u017e\u00e1dat i bez pravideln\u00e9ho p\u0159\u00edjmu","name":"O hypot\u00e9ku je mo\u017en\u00e9 \u017e\u00e1dat i bez pravideln\u00e9ho p\u0159\u00edjmu","description":"Hypote\u010dn\u00ed \u00fav\u011bry na bydlen\u00ed pat\u0159\u00ed v \u010cesk\u00e9 republice mezi ty v\u016fbec nejv\u00edce vyu\u017e\u00edvan\u00e9, hned za spot\u0159ebn\u00edmi \u00fav\u011bry a t\u011bmi ze stavebn\u00edho spo\u0159en\u00ed. Jejich obliba nekles\u00e1","datePublished":"2022-01-17","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.adares.cz\/author\/#Person","name":"","url":"https:\/\/www.adares.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"adares.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.adares.cz\/wp-content\/uploads\/pexels-tima-miroshnichenko-5708710.jpg","url":"https:\/\/www.adares.cz\/wp-content\/uploads\/pexels-tima-miroshnichenko-5708710.jpg","height":0,"width":0},"url":"https:\/\/www.adares.cz\/o-hypoteku-je-mozne-zadat-i-bez-pravidelneho-prijmu\/","about":["Pen\u00edze"],"wordCount":406,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011bry na bydlen\u00ed pat\u0159\u00ed v \u010cesk\u00e9 republice mezi ty v\u016fbec nejv\u00edce vyu\u017e\u00edvan\u00e9, hned za spot\u0159ebn\u00edmi \u00fav\u011bry a t\u011bmi ze stavebn\u00edho spo\u0159en\u00ed. Jejich obliba nekles\u00e1 ani te\u010f, kdy se \u00farokov\u00e1 sazba vlivem inflace v\u00fdrazn\u011b zv\u00fd\u0161ila. Zkr\u00e1tka jen m\u00e1lokdo odol\u00e1 snu o vlastn\u00edm bydlen\u00ed, kter\u00e9 si bude moci p\u0159ed\u011blat k obrazu sv\u00e9mu. Jeliko\u017e hypote\u010dn\u00ed \u00fav\u011bry pro banku p\u0159edstavuj\u00ed p\u0159eci jenom pom\u011brn\u011b velk\u00e9 riziko, ne ka\u017ed\u00fd nakonec odch\u00e1z\u00ed s \u00fasm\u011bvem na tv\u00e1\u0159i. Ba naopak ka\u017ed\u00fdm rokem p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Pov\u011bt\u0161inou se jedn\u00e1 o \u017eadatele, kte\u0159\u00ed nevyhov\u011bli vysoce nastaven\u00fdm podm\u00ednk\u00e1m \u00fav\u011bru. D\u016fvodem m\u016f\u017ee b\u00fdt nap\u0159\u00edklad mal\u00fd \u010di \u0161patn\u011b dolo\u017eiteln\u00fd p\u0159\u00edjem, z\u00e1znam v registru dlu\u017en\u00edk\u016f \u010di p\u0159\u00edli\u0161 mnoho z\u00e1vazk\u016f. Na\u0161t\u011bst\u00ed nen\u00ed nutn\u00e9 \u017e\u00e1dat pouze v bank\u00e1ch, existuj\u00ed i nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou p\u0159eci jenom ke sv\u00fdm \u017eadatel\u016fm vst\u0159\u00edcn\u011bj\u0161\u00ed. A co v\u00edc, \u010dekaj\u00ed na n\u011b p\u0159\u00edmo s otev\u0159enou n\u00e1ru\u010d\u00ed\u2026Hypot\u00e9ka bz p\u0159\u00edjmu je tak trochu utopi\u00ed, tedy za p\u0159edpokladu, \u017ee o n\u00ed p\u016fjdete za\u017e\u00e1dat do jak\u00e9koliv bankovn\u00ed instituce. Tam je toti\u017e p\u0159\u00edjem jeden ze z\u00e1kladn\u00edch p\u0159edpoklad\u016f p\u0159i \u017e\u00e1dosti o \u00fav\u011br. Nebankovn\u00ed spole\u010dnosti jsou zn\u00e1m\u00e9 hlavn\u011b d\u00edky sv\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm a jen m\u00e1lokdo tu\u0161\u00ed, \u017ee nab\u00edz\u00ed i \u00fav\u011bry v mnohem v\u011bt\u0161\u00ed v\u00fd\u0161i. I zde je nutnost\u00ed z\u00e1stava nemovitosti, kter\u00e1 v p\u0159\u00edpad\u011b poru\u0161en\u00ed podm\u00ednek ze stran dlu\u017en\u00edka propadne bance, ale podm\u00ednky jsou v\u00fdrazn\u011b p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed. O hypot\u00e9ku je mo\u017en\u00e9 za\u017e\u00e1dat i bez pravideln\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. To ur\u010dit\u011b uv\u00edtaj\u00ed t\u0159eba rodi\u010de, kte\u0159\u00ed pob\u00edraj\u00ed rodi\u010dovsk\u00fd p\u0159\u00edsp\u011bvek, \u010di studenti, kte\u0159\u00ed si mnohdy p\u0159ivyd\u011bl\u00e1vaj\u00ed jen p\u0159\u00edle\u017eitostn\u011b. Je v\u0161ak ot\u00e1zkou, zda budou schopni hypot\u00e9ku plnohodnotn\u011b spl\u00e1cet, pokud nemaj\u00ed pravideln\u00e9 p\u0159\u00edjmy. Benevolentnost nebankovn\u00edch spole\u010dnost\u00ed je ur\u010dit\u011b pro jistou skupinu lid\u00ed v\u00edtan\u00e1, ne v\u017edy si ale \u017eadatel\u00e9 dok\u00e1\u017e\u00ed uv\u011bdomit m\u00edru rizika, ke kter\u00e9mu se dobrovoln\u011b upisuj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"O hypot\u00e9ku je mo\u017en\u00e9 \u017e\u00e1dat i bez pravideln\u00e9ho p\u0159\u00edjmu","item":"https:\/\/www.adares.cz\/o-hypoteku-je-mozne-zadat-i-bez-pravidelneho-prijmu\/#breadcrumbitem"}]}]