[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.blokna.cz\/hypoteka-jako-prostredek-ke-splneni-snu\/#Article","mainEntityOfPage":"https:\/\/www.blokna.cz\/hypoteka-jako-prostredek-ke-splneni-snu\/","headline":"Hypot\u00e9ka jako prost\u0159edek ke spln\u011bn\u00ed sn\u016f","name":"Hypot\u00e9ka jako prost\u0159edek ke spln\u011bn\u00ed sn\u016f","description":"Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem astronomicky rostou a st\u00e1le v\u011bt\u0161\u00ed procento st\u0159edn\u00ed t\u0159\u00eddy pomalu ale jist\u011b na po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti zkr\u00e1tka<span class=\"more-button\"><a href=\"https:\/\/www.blokna.cz\/hypoteka-jako-prostredek-ke-splneni-snu\/\" class=\"more-link\">Pokra\u010dovat ve \u010dten\u00ed<span class=\"screen-reader-text\">Hypot\u00e9ka jako prost\u0159edek ke spln\u011bn\u00ed sn\u016f<\/span><\/a><\/span>","datePublished":"2021-06-16","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.blokna.cz\/author\/#Person","name":"","url":"https:\/\/www.blokna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"blokna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.blokna.cz\/wp-content\/uploads\/pl%C3%A1n%20domu_3.jpg","url":"https:\/\/www.blokna.cz\/wp-content\/uploads\/pl%C3%A1n%20domu_3.jpg","height":0,"width":0},"url":"https:\/\/www.blokna.cz\/hypoteka-jako-prostredek-ke-splneni-snu\/","about":["Ekonomika"],"wordCount":367,"articleBody":"       Ceny nemovitost\u00ed ka\u017ed\u00fdm rokem astronomicky rostou a st\u00e1le v\u011bt\u0161\u00ed procento st\u0159edn\u00ed t\u0159\u00eddy pomalu ale jist\u011b na po\u0159\u00edzen\u00ed vlastn\u00ed nemovitosti zkr\u00e1tka u\u017e nesta\u010d\u00ed. Spole\u010dn\u011b s cenami nemovitost\u00ed se zp\u0159\u00eds\u0148uj\u00ed i podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edch \u00fav\u011br\u016f na bydlen\u00ed. Za zp\u0159\u00eds\u0148uj\u00edc\u00edmi se podm\u00ednkami m\u016f\u017ee pov\u011bt\u0161inou spot\u0159ebitelsk\u00fd z\u00e1kon, jeho\u017e zn\u011bn\u00ed pravideln\u011b upravuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Naposledy tak u\u010dinila v dubnu lo\u0148sk\u00e9ho roku, kdy reagovala na aktu\u00e1ln\u00ed na\u0159\u00edzen\u00ed vl\u00e1dy ohledn\u011b koronaviru. Krom z\u00e1konem dan\u00fdch podm\u00ednek pro schv\u00e1len\u00ed hypot\u00e9ky si jednotliv\u00e9 bankovn\u00ed i nebankovn\u00ed instituce je\u0161t\u011b nastavuj\u00ed sv\u00e9 vlastn\u00ed tak, aby m\u011bly co mo\u017en\u00e1 nejv\u011bt\u0161\u00ed jistotu, \u017ee \u00fav\u011br dlu\u017en\u00edk zvl\u00e1dne splatit. Za zam\u00edtnut\u00fdm \u00fav\u011brem je tak zapot\u0159eb\u00ed hledat sp\u00ed\u0161e slo\u017eitou legislativu, ne\u017e neochotu bankovn\u00edch subjekt\u016f p\u016fj\u010dovat pen\u00edze. \u010cesk\u00e1 n\u00e1rodn\u00ed banka tak\u00e9 poskytovatel\u016fm \u00fav\u011bru p\u0159ikazuje d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele, pokud by tak neu\u010dinily, mohlo by to pro n\u011b znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl celou smlouvu napadnout pro jej\u00ed neplatnost a nad\u00e1le by spl\u00e1cel dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Ve\u0161ker\u00e9 \u00fav\u011bry i poplatky by spl\u00e1cet nemusel v\u016fbec. Krom bankovn\u00edch dom\u016f, v\u0161ak nesm\u00edme zapomenout ani na nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou zn\u00e1m\u00e9 hlavn\u011b d\u00edky sv\u00e9mu rychl\u00e9mu zprost\u0159edkov\u00e1n\u00ed spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016f. N\u011bkter\u00e9 spole\u010dnosti v\u0161ak p\u0159ich\u00e1z\u00ed i s nebankovn\u00edmi hypot\u00e9kami https:\/\/www.hypoteka-bez-registru.net\/nebankovni_hypoteka\/, kter\u00e9 jsou pro mnoh\u00e9 \u017eadatele velice benevolentn\u00ed. Pokud tedy \u017eadatel z jak\u00e9hokoliv d\u016fvodu p\u0159i \u017e\u00e1dosti o \u00fav\u011br v bance neusp\u011bje, nen\u00ed je\u0161t\u011b v\u0161emu ztraceno. Nebankovn\u00ed instituce na takov\u00e9 \u017eadatele \u010dekaj\u00ed s otev\u0159enou n\u00e1ru\u010d\u00ed. Nebankovn\u00ed instituce neprov\u011b\u0159uj\u00ed \u017eadatele v registru dlu\u017en\u00edk\u016f a mnoh\u00e9 nevy\u017eaduj\u00ed ani st\u00e1l\u00fd p\u0159\u00edjem. Nebankovn\u00ed spole\u010dnosti jsou tak jasnou volbou pro probl\u00e9mov\u00e9 \u017eadatele.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka jako prost\u0159edek ke spln\u011bn\u00ed sn\u016f","item":"https:\/\/www.blokna.cz\/hypoteka-jako-prostredek-ke-splneni-snu\/#breadcrumbitem"}]}]