[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.3-s.cz\/nebankovni-hypoteka-bez-vysokych-prijmu-a-nahlizeni-do-registru\/#Article","mainEntityOfPage":"https:\/\/www.3-s.cz\/nebankovni-hypoteka-bez-vysokych-prijmu-a-nahlizeni-do-registru\/","headline":"Nebankovn\u00ed hypot\u00e9ka bez vysok\u00fdch p\u0159\u00edjm\u016f a nahl\u00ed\u017een\u00ed do registru","name":"Nebankovn\u00ed hypot\u00e9ka bez vysok\u00fdch p\u0159\u00edjm\u016f a nahl\u00ed\u017een\u00ed do registru","description":"M\u00e1te \u0161patn\u011b dolo\u017eiteln\u00e9 p\u0159\u00edjmy, kter\u00e9 jsou u bank d\u016fle\u017eit\u00e9 pro schv\u00e1len\u00ed hypot\u00e9ky? Vyzkou\u0161ejte nebankovn\u00ed hypot\u00e9ku a spl\u0148te si sv\u016fj sen...","datePublished":"2021-12-03","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.3-s.cz\/author\/#Person","name":"","url":"https:\/\/www.3-s.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"3-s.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.3-s.cz\/wp-content\/uploads\/real-estate-g02c729a9c_1920.jpg","url":"https:\/\/www.3-s.cz\/wp-content\/uploads\/real-estate-g02c729a9c_1920.jpg","height":0,"width":0},"url":"https:\/\/www.3-s.cz\/nebankovni-hypoteka-bez-vysokych-prijmu-a-nahlizeni-do-registru\/","about":["Finance"],"wordCount":468,"articleBody":"   M\u00e1te \u0161patn\u011b dolo\u017eiteln\u00e9 p\u0159\u00edjmy, kter\u00e9 jsou u bank d\u016fle\u017eit\u00e9 pro schv\u00e1len\u00ed hypot\u00e9ky? Vyzkou\u0161ejte nebankovn\u00ed hypot\u00e9ku a spl\u0148te si sv\u016fj sen o nov\u00e9m bydlen\u00ed.Hypot\u00e9kaHypot\u00e9ka neboli tak\u00e9 hypote\u010dn\u00ed \u00fav\u011br pat\u0159\u00ed mezi dlouhodob\u00e9 \u00fav\u011bry, kter\u00e9 mohou splnit Va\u0161e sny o nov\u00e9m bydlen\u00ed. A\u0165 u\u017e se jedn\u00e1 o postaven\u00ed nov\u00e9 nemovitosti, koup\u011b star\u0161\u00ed nemovitosti anebo po\u0159\u00edzen\u00ed bytu. Nemovitost se mus\u00ed nach\u00e1zet na \u00fazem\u00ed \u010cesk\u00e9 republiky a mus\u00ed b\u00fdt zaps\u00e1na v Katastru nemovitost\u00ed. Za vyp\u016fj\u010den\u00e9 pen\u00edze v\u017edy ru\u010d\u00edte nemovitost\u00ed. A to bu\u010f tou, na kterou si hypot\u00e9ku berete anebo jinou vlastn\u00ed nemovitost\u00ed nebo ciz\u00ed se souhlasem vlastn\u00edka. \u00da\u010delov\u00fd hypote\u010dn\u00ed \u00fav\u011br si berete na pro pot\u0159eby bydlen\u00ed. Dal\u0161\u00edm hypote\u010dn\u00edm \u00fav\u011brem je investi\u010dn\u00ed hypot\u00e9ka. Tento druh je dobr\u00e9 zvolit, pokud si chcete po\u0159\u00eddit nemovitost, kterou posl\u00e9ze budete vyu\u017e\u00edvat k pron\u00e1jmu. Posledn\u00edm zn\u00e1m\u00fdm typem je ne\u00fa\u010delov\u00e1 hypot\u00e9ka tak\u00e9 zn\u00e1m\u00e1 pod pojmem americk\u00e1 hypot\u00e9ka. U tohoto typu nikoho nezaj\u00edm\u00e1, na co pen\u00edze pot\u0159ebujete. M\u016f\u017eete za n\u011b financovat bydlen\u00ed nebo t\u0159eba odjet na dovolenou. Nicm\u00e9n\u011b i u ne\u00fa\u010delov\u00e9 hypot\u00e9ky ru\u010d\u00edte nemovitost\u00ed. Jednou z podm\u00ednek pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky je v\u011bk. \u017dadatel mus\u00ed b\u00fdt plnolet\u00fd a sv\u016fj z\u00e1vazek splnit p\u0159ed odchodem do d\u016fchodu. \u017dadatel mus\u00ed b\u00fdt tak\u00e9 ob\u010dan \u010cR anebo cizinec s povolen\u00edm k trval\u00e9mu nebo p\u0159echodn\u00e9mu pobytu na \u00fazem\u00ed \u010cR. Nebankovn\u00ed hypot\u00e9ky plusy a m\u00ednusyV \u010cR krom\u011b bank existuj\u00ed i spole\u010dnosti, kter\u00e9 nab\u00edzej\u00ed takzvan\u00e9 nebankovn\u00ed hypot\u00e9ky, kter\u00e9 hodn\u011b p\u0159ipom\u00ednaj\u00ed ty americk\u00e9. Poskytovatel\u00e9 t\u011bchto nebankovn\u00edch hypot\u00e9k l\u00e1kaj\u00ed sv\u00e9 potenci\u00e1ln\u00ed \u017eadatele na m\u00edrn\u011bj\u0161\u00ed podm\u00ednky oproti bank\u00e1m. M\u016f\u017ee se nap\u0159\u00edklad jednat o poskytnut\u00ed hypot\u00e9ky \u017eadatel\u016fm, kte\u0159\u00ed nemohou dolo\u017eit dostate\u010dn\u011b vysok\u00fd p\u0159\u00edjem. Velmi \u010dasto ani tito poskytovatel\u00e9 nenahl\u00ed\u017eej\u00ed do registr\u016f dlu\u017en\u00edk\u016f. Nev\u00fdhodou, ale ur\u010dit\u011b bude krat\u0161\u00ed doba splatnosti cel\u00e9 v\u00fd\u0161e hypot\u00e9ky a s mnohem vy\u0161\u0161\u00ed \u00farokovou sazbou. Tak\u00e9 v\u00fd\u0161e t\u00e9to hypot\u00e9ky bude ni\u017e\u0161\u00ed a v\u011bt\u0161inou se pohybuje okolo 50-70 % z celkov\u00e9 odhadovan\u00e9 ceny nemovitosti. Spole\u010dnosti tak\u00e9 nab\u00edzej\u00ed flexibiln\u00ed p\u0159\u00edstup, mo\u017enost d\u0159\u00edv\u011bj\u0161\u00edho splacen\u00ed a kompletn\u00ed pr\u00e1vn\u00ed servis. Ne\u017e se pro nebankovn\u00ed hypot\u00e9ku rozhodnete je zapot\u0159eb\u00ed si p\u0159e\u010d\u00edst d\u016fkladn\u011b podm\u00ednky dan\u00e9 spole\u010dnosti. Ka\u017ed\u00e1 toti\u017e m\u016f\u017ee m\u00edt podm\u00ednky trochu jin\u00e9 a pro n\u011bkoho v\u00fdhodn\u011bj\u0161\u00ed a pro jin\u00e9 zase ne.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed hypot\u00e9ka bez vysok\u00fdch p\u0159\u00edjm\u016f a nahl\u00ed\u017een\u00ed do registru","item":"https:\/\/www.3-s.cz\/nebankovni-hypoteka-bez-vysokych-prijmu-a-nahlizeni-do-registru\/#breadcrumbitem"}]}]