[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bestav.cz\/proc-mohou-byt-pouze-nebankovni-hypoteky-bez-registru\/#Article","mainEntityOfPage":"https:\/\/www.bestav.cz\/proc-mohou-byt-pouze-nebankovni-hypoteky-bez-registru\/","headline":"Pro\u010d mohou b\u00fdt pouze nebankovn\u00ed hypot\u00e9ky bez registru","name":"Pro\u010d mohou b\u00fdt pouze nebankovn\u00ed hypot\u00e9ky bez registru","description":"Asi nen\u00ed mlad\u00fd \u010dlov\u011bk, kter\u00fd by nesnil o tom, \u017ee bude m\u00edt vlastn\u00ed d\u016fm \u010di byt. Av\u0161ak vzhledem k vysok\u00e9 cen\u011b nemovitost\u00ed je jasn\u00e9, \u017ee se to spln\u00ed skute\u010dn\u011b jen m\u00e1lokomu. Jist\u011b, je pochopiteln\u00e9, pro\u010d jsou nemovitosti tak drah\u00e9 \u2013","datePublished":"2021-01-17","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.bestav.cz\/author\/#Person","name":"","url":"https:\/\/www.bestav.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bestav.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bestav.cz\/wp-content\/uploads\/hypoteka1_10_10_5.jpg","url":"https:\/\/www.bestav.cz\/wp-content\/uploads\/hypoteka1_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.bestav.cz\/proc-mohou-byt-pouze-nebankovni-hypoteky-bez-registru\/","about":["Pen\u00edze"],"wordCount":426,"articleBody":"     Asi nen\u00ed mlad\u00fd \u010dlov\u011bk, kter\u00fd by nesnil o tom, \u017ee bude m\u00edt vlastn\u00ed d\u016fm \u010di byt. Av\u0161ak vzhledem k vysok\u00e9 cen\u011b nemovitost\u00ed je jasn\u00e9, \u017ee se to spln\u00ed skute\u010dn\u011b jen m\u00e1lokomu. Jist\u011b, je pochopiteln\u00e9, pro\u010d jsou nemovitosti tak drah\u00e9 \u2013 jedn\u00e1 se o velmi \u017e\u00e1danou, a z\u00e1rove\u0148 omezenou komoditu. A nesm\u00edme tak\u00e9 zapomenout, \u017ee stavba domu rozhodn\u011b nen\u00ed zadarmo.To v\u0161e bohu\u017eel znamen\u00e1, \u017ee pokud n\u00e1m rodi\u010de k tomuto \u00fa\u010delu ne\u0161et\u0159ili pen\u00edze bu\u010f prost\u0159ednictv\u00edm n\u011bkter\u00e9ho ze stavebn\u00edch spo\u0159en\u00ed \u010di i jen do kasi\u010dky, nem\u00e1me p\u0159\u00edli\u0161 \u0161anc\u00ed pot\u0159ebn\u00e9 finance v dohledn\u00e9 dob\u011b sehnat. Na\u0161t\u011bst\u00ed zde existuje \u0159e\u0161en\u00ed v podob\u011b hypot\u00e9ky, tedy \u00fa\u010delov\u00e9 p\u016fj\u010dky, ur\u010den\u00e9 ke koupi \u010di rekonstrukci konkr\u00e9tn\u00ed, p\u0159edem dan\u00e9 nemovitosti.Tyto jsou poskytov\u00e1ny jak bankovn\u00edmi, tak nebankovn\u00edmi spole\u010dnostmi. Je jich mnoho typ\u016f, kter\u00e9 se od sebe li\u0161\u00ed p\u0159edev\u0161\u00edm v\u00fd\u0161\u00ed \u00farok\u016f a jin\u00fdch poplatk\u016f a tak\u00e9 podm\u00ednkami, kter\u00e9 mus\u00ed \u017eadatel spl\u0148ovat, aby mu jeho \u017e\u00e1dost byla schv\u00e1lena.Jednou z t\u011bch dlouhodob\u011b obl\u00edben\u00fdch jsou i nebankovn\u00ed hypot\u00e9ky bez registru Nebankovni-hypoteky-uvery. Ty se li\u0161\u00ed od ostatn\u00edch p\u0159edev\u0161\u00edm t\u00edm, \u017ee se zde \u017eadatel neprov\u011b\u0159uje v registru dlu\u017en\u00edk\u016f. Zde jsou zaps\u00e1ni lid\u00e9, kte\u0159\u00ed ji\u017e maj\u00ed n\u011bkde p\u016fj\u010dku, \u010di spl\u00e1c\u00ed n\u011bjak\u00fd jin\u00fd dluh, nap\u0159\u00edklad kv\u016fli pozdn\u00edmu uhrazen\u00ed \u00fa\u010dtu na elekt\u0159inu \u010di internet. Takov\u00ed jsou pak pova\u017eov\u00e1ni za potenci\u00e1ln\u00ed neplati\u010de, a jejich \u0161ance na schv\u00e1len\u00ed \u017e\u00e1dosti se dramaticky sni\u017euj\u00ed. Bohu\u017eel je fakt, \u017ee nadpolovi\u010dn\u00ed v\u011bt\u0161ina dosp\u011bl\u00fdch obyvatel na\u0161\u00ed zem\u011b m\u00e1 alespo\u0148 jednu p\u016fj\u010dku. Je tedy jasn\u00e9, pro\u010d jsou tyto hypot\u00e9ky tak obl\u00edben\u00e9.Je ale tak\u00e9 pravdou, \u017ee tento typ hypot\u00e9ky mohou poskytovat pouze nebankovn\u00ed spole\u010dnosti. To m\u016f\u017ee n\u011bkter\u00e9 lidi znejistit, nebo\u0165 tyto nemaj\u00ed takovou d\u016fv\u011bru, jako banky. Av\u0161ak nen\u00ed zde d\u016fvod k obav\u00e1m. Banky nemohou hypot\u00e9ky bez registru poskytovat, nebo\u0165 jsou sv\u00e1z\u00e1ny podstatn\u011b p\u0159\u00edsn\u011bj\u0161\u00edmi pravidly, coby ofici\u00e1ln\u00ed finan\u010dn\u00ed instituce. I proto nebankovn\u00ed spole\u010dnosti poskytuj\u00edc\u00ed p\u016fj\u010dky vzkv\u00e9taj\u00ed: mohou si dovolit nastavit mnohem voln\u011bj\u0161\u00ed podm\u00ednky. A to je dob\u0159e. Takto si toti\u017e vybere skute\u010dn\u011b ka\u017ed\u00fd.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (11 votes)        Pro\u010d mohou b\u00fdt pouze nebankovn\u00ed hypot\u00e9ky bez registru"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d mohou b\u00fdt pouze nebankovn\u00ed hypot\u00e9ky bez registru","item":"https:\/\/www.bestav.cz\/proc-mohou-byt-pouze-nebankovni-hypoteky-bez-registru\/#breadcrumbitem"}]}]