[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dsh-ds.cz\/ziskat-hypoteku-nemusi-byt-snadne\/#Article","mainEntityOfPage":"https:\/\/www.dsh-ds.cz\/ziskat-hypoteku-nemusi-byt-snadne\/","headline":"Z\u00edskat hypot\u00e9ku nemus\u00ed b\u00fdt snadn\u00e9","name":"Z\u00edskat hypot\u00e9ku nemus\u00ed b\u00fdt snadn\u00e9","description":"Z\u00edskat hypot\u00e9ku v dne\u0161n\u00ed dob\u011b nen\u00ed v\u016fbec snadn\u00e9. Vzhledem k tomu, jak se v posledn\u00edch letech prom\u011bnil trh s nemovitostmi, banky pozm\u011bnily sv\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky. Nyn\u00ed mus\u00edte opravdu […]","datePublished":"2023-05-20","dateModified":"2023-07-24","author":{"@type":"Person","@id":"https:\/\/www.dsh-ds.cz\/author\/#Person","name":"","url":"https:\/\/www.dsh-ds.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dsh-ds.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dsh-ds.cz\/wp-content\/uploads\/micheile-henderson-SoT4-mZhyhE-unsplash_1.jpg","url":"https:\/\/www.dsh-ds.cz\/wp-content\/uploads\/micheile-henderson-SoT4-mZhyhE-unsplash_1.jpg","height":0,"width":0},"url":"https:\/\/www.dsh-ds.cz\/ziskat-hypoteku-nemusi-byt-snadne\/","about":["Finance"],"wordCount":415,"articleBody":"      Z\u00edskat hypot\u00e9ku v dne\u0161n\u00ed dob\u011b nen\u00ed v\u016fbec snadn\u00e9. Vzhledem k tomu, jak se v posledn\u00edch letech prom\u011bnil trh s nemovitostmi, banky pozm\u011bnily sv\u00e9 podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky. Nyn\u00ed mus\u00edte opravdu spl\u0148ovat jejich podm\u00ednky do punt\u00edku, abyste na hypot\u00e9ku dos\u00e1hli. To znamen\u00e1 m\u00edt dostate\u010dn\u00e9 p\u0159\u00edjmy a mimo to tak\u00e9 na\u0161et\u0159en\u00fd z\u00e1klad, kter\u00fd ke sv\u00e9 hypot\u00e9ce dod\u00e1te. Je b\u011b\u017en\u00e9, \u017ee se jedn\u00e1 t\u0159eba o na\u0161et\u0159en\u00fdch 10 % z celkov\u00e9 ceny nemovitosti. Tak\u017ee pokud kupujete nemovitost t\u0159eba za 3 000 000, co\u017e je dnes b\u011b\u017en\u00e1 cena i za men\u0161\u00ed byt, znamen\u00e1 to, \u017ee mus\u00edte m\u00edt na\u0161et\u0159en\u00fdch 300 000, aby v\u016fbec banka uva\u017eovala, \u017ee v\u00e1m hypot\u00e9ku poskytne. A to v dne\u0161n\u00ed situaci nen\u00ed v\u016fbec lehk\u00e9. Mnoho lid\u00ed p\u0159e\u017e\u00edv\u00e1 od v\u00fdplaty k v\u00fdplat\u011b a zkr\u00e1tka kv\u016fli tomu nezvl\u00e1daj\u00ed je\u0161t\u011b n\u011bco u\u0161et\u0159it.Pokud se boj\u00edte, \u017ee by v\u00e1m banka hypot\u00e9ku neschv\u00e1lila, pak je samoz\u0159ejm\u011b mo\u017enost nebankovn\u00ed hypot\u00e9ky. T\u00e9 se spousta lid\u00ed vyh\u00fdb\u00e1, proto\u017ee m\u00e1 pocit, \u017ee pro n\u011b bude nev\u00fdhodn\u00e1 a bude m\u00edt nev\u00fdhodn\u00e9 podm\u00ednky. Mo\u017en\u00e1 d\u0159\u00edve platilo, \u017ee nebankovn\u00ed spole\u010dnosti na sv\u00fdch klientech vyd\u011bl\u00e1valy v\u00edce, ne\u017e je f\u00e9r, ale to u\u017e dnes opravdu neplat\u00ed.I u nebankovn\u00ed spole\u010dnosti m\u016f\u017eete z\u00edskat skv\u011bl\u00e9 podm\u00ednky na hypot\u00e9ku, kter\u00e9 se budou bl\u00ed\u017eit podm\u00ednk\u00e1m, jak\u00e9 m\u00e1te u bankovn\u00ed spole\u010dnosti. To znamen\u00e1 dlouh\u00e1 doba spl\u00e1cen\u00ed i v d\u00e9lce n\u011bkolika des\u00edtek let, n\u00edzk\u00fd \u00farok a podobn\u011b. Mus\u00edte si jen pe\u010dliv\u011b vybrat spole\u010dnost, u kter\u00e9 si budete hypot\u00e9ku cht\u00edt vz\u00edt a pak porovn\u00e1vat nab\u00eddky, kter\u00e9 dostanete.Obecn\u011b ale plat\u00ed, \u017ee nebankovn\u00ed spole\u010dnosti jsou p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed m\u00edrn\u011bj\u0161\u00ed ne\u017e banky. Dok\u00e1\u017e\u00ed zohlednit hodn\u011b v\u011bc\u00ed a nad jin\u00fdmi naopak p\u0159iv\u0159\u00edt oko. https:\/\/www.kosmas.cz\/oko\/  Nebankovn\u00ed hypot\u00e9ka b\u00fdv\u00e1 nap\u0159\u00edklad jedin\u00e1 \u0161ance pro ty, kte\u0159\u00ed cht\u011bj\u00ed z\u00edskat hypot\u00e9ku v dob\u011b, kdy je jejich jm\u00e9no je\u0161t\u011b v registru dlu\u017en\u00edk\u016f, nebo maj\u00ed teprve p\u00e1r let po insolvenci, a t\u00edm p\u00e1dem jsou uvedeni v insolven\u010dn\u00edm registru.                                                                                                                                                                                                                                                                                                                                                                                                  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