[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.agar.cz\/vyhody-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.agar.cz\/vyhody-nebankovni-hypoteky\/","headline":"V\u00fdhody nebankovn\u00ed hypot\u00e9ky","name":"V\u00fdhody nebankovn\u00ed hypot\u00e9ky","description":"V \u010cesk\u00e9 republice existuj\u00ed nebankovn\u00ed spole\u010dnosti, kter\u00e9 fyzick\u00fdm i pr\u00e1vnick\u00fdm osob\u00e1m mohou poskytnout nebankovn\u00ed hypot\u00e9ku. Jedn\u00e1 se vlastn\u011b o jak\u00fdsi<a href=\"https:\/\/www.agar.cz\/vyhody-nebankovni-hypoteky\/\" class=\"read-more\">Read More<i class=\"fa fa-long-arrow-right\" aria-hidden=\"true\"><\/i><\/a>","datePublished":"2021-10-18","dateModified":"2024-01-31","author":{"@type":"Person","@id":"https:\/\/www.agar.cz\/author\/#Person","name":"","url":"https:\/\/www.agar.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/fa654ddfaa4b9f86b3cbb991001ccf40?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fa654ddfaa4b9f86b3cbb991001ccf40?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"agar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.agar.cz\/wp-content\/uploads\/mortgage-g643224fc9_640.jpg","url":"https:\/\/www.agar.cz\/wp-content\/uploads\/mortgage-g643224fc9_640.jpg","height":0,"width":0},"url":"https:\/\/www.agar.cz\/vyhody-nebankovni-hypoteky\/","about":["Internet"],"wordCount":374,"articleBody":"   V \u010cesk\u00e9 republice existuj\u00ed nebankovn\u00ed spole\u010dnosti, kter\u00e9 fyzick\u00fdm i pr\u00e1vnick\u00fdm osob\u00e1m mohou poskytnout nebankovn\u00ed hypot\u00e9ku. Jedn\u00e1 se vlastn\u011b o jak\u00fdsi druh americk\u00e9 hypot\u00e9ky, kter\u00e1 je za\u0161t\u00edt\u011bn\u00e1 nemovitost\u00ed. Pen\u00edze z \u00fav\u011bru je mo\u017en\u00e9 \u010derpat na cokoliv od po\u0159\u00edzen\u00ed nemovitosti a\u017e po rozvoj spole\u010dnosti nebo \u00fahradu nejr\u016fzn\u011bj\u0161\u00edch dluh\u016f. Pro rizikov\u00e9 \u017eadatele je mnohdy jedinou z\u00e1chranou stanic\u00ed za spln\u011bn\u00fdm snem o vlastn\u00edm bydlen\u00ed a pro ty ostatn\u00ed? Bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f Jedno se mus\u00ed nebankovn\u00edm hypot\u00e9k\u00e1m nechat, v mnoh\u00fdch ohledech jsou pro \u017eadatele benevolentn\u011bj\u0161\u00ed. Jinak tomu nen\u00ed ani v p\u0159\u00edpad\u011b hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f Americkahypoteka.cz. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, \u017eadatel nen\u00ed povinen dokl\u00e1dat nebankovn\u00ed spole\u010dnosti v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f, a p\u0159esto m\u016f\u017ee na hypote\u010dn\u00ed \u00fav\u011br dos\u00e1hnout. Jedinou podm\u00ednkou je ru\u010den\u00ed nemovitosti, kter\u00e1 v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed dlu\u017en\u00edka, m\u016f\u017ee p\u0159ipadnout bance. Podobn\u00fd sc\u00e9n\u00e1\u0159 je ale k vid\u011bn\u00ed i v bankovn\u00edch instituc\u00edch. Pokud tedy \u017eadatel nem\u016f\u017ee nebo nechce dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f, je pro n\u011bj hypot\u00e9ka od nebankovn\u00ed spole\u010dnosti jasnou volbou. Bez registru dlu\u017en\u00edk\u016f Bankovn\u00ed instituce nahl\u00ed\u017e\u00ed do registru dlu\u017en\u00edk\u016f v p\u0159\u00edpad\u011b jak\u00e9koliv \u017e\u00e1dosti o \u00fav\u011br. Pokud se \u017eadatel v minulosti ocitl v situaci, kdy nebyl schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, jeho jm\u00e9no zde bude s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed figurovat. Pro banku p\u00e1dn\u00fd d\u016fvod k zam\u00edtnut\u00ed, nebo\u0165 takov\u00fd \u017eadatel p\u0159edstavuje a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko. Jak k registru p\u0159istupuj\u00ed nebankovn\u00ed spole\u010dnosti? V\u011bt\u0161ina nebankovn\u00edch spole\u010dnost\u00ed do registru dlu\u017en\u00edk\u016f v\u016fbec nenahl\u00ed\u017e\u00ed nebo nebere negativn\u00ed z\u00e1znam jako adekv\u00e1tn\u00ed d\u016fvod k zam\u00edtnut\u00ed \u017e\u00e1dosti. V p\u0159\u00edpad\u011b nebankovn\u00edch hypot\u00e9k je ale zapot\u0159eb\u00ed po\u010d\u00edtat s krat\u0161\u00ed dobou splatnosti, vy\u0161\u0161\u00ed \u00farokovou sazbou \u010di LTV. Pro rizikov\u00e9 \u017eadatele ale tyto spole\u010dnosti mnohdy nab\u00edz\u00ed jedinou p\u0159\u00edle\u017eitost, kde na \u00fav\u011br dos\u00e1hnout.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fdhody nebankovn\u00ed hypot\u00e9ky","item":"https:\/\/www.agar.cz\/vyhody-nebankovni-hypoteky\/#breadcrumbitem"}]}]