[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kruhzitko.cz\/proc-lide-povazuji-nebankovni-hypoteky-za-neduveryhodne\/#Article","mainEntityOfPage":"https:\/\/www.kruhzitko.cz\/proc-lide-povazuji-nebankovni-hypoteky-za-neduveryhodne\/","headline":"Pro\u010d lid\u00e9 pova\u017euj\u00ed nebankovn\u00ed hypot\u00e9ky za ned\u016fv\u011bryhodn\u00e9","name":"Pro\u010d lid\u00e9 pova\u017euj\u00ed nebankovn\u00ed hypot\u00e9ky za ned\u016fv\u011bryhodn\u00e9","description":"Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee hypot\u00e9ka je v sou\u010dasn\u00e9 dob\u011b u n\u00e1s t\u00edm nejvyu\u017e\u00edvan\u011bj\u0161\u00edm zp\u016fsobem financov\u00e1n\u00ed koup\u011b vlastn\u00edho bydlen\u00ed. A nen\u00ed divu, p\u0159eci jen a\u010dkoliv se rozhodn\u011b finan\u010dn\u011b p\u0159\u00edli\u0161 nevyplat\u00ed, je to \u010dasto jedin\u00fd zp\u016fsob, jak vysn\u011bn\u00fd d\u016fm \u010di byt z\u00edskat. I kdy\u017e to znamen\u00e1 zadlu\u017eit se na mnoho let dop\u0159edu. Pokud se pro ni […]","datePublished":"2020-08-15","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.kruhzitko.cz\/author\/#Person","name":"","url":"https:\/\/www.kruhzitko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kruhzitko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kruhzitko.cz\/wp-content\/uploads\/hypoteka2_10_10.jpg","url":"https:\/\/www.kruhzitko.cz\/wp-content\/uploads\/hypoteka2_10_10.jpg","height":0,"width":0},"url":"https:\/\/www.kruhzitko.cz\/proc-lide-povazuji-nebankovni-hypoteky-za-neduveryhodne\/","about":["Internet"],"wordCount":427,"articleBody":"     Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee hypot\u00e9ka je v sou\u010dasn\u00e9 dob\u011b u n\u00e1s t\u00edm nejvyu\u017e\u00edvan\u011bj\u0161\u00edm zp\u016fsobem financov\u00e1n\u00ed koup\u011b vlastn\u00edho bydlen\u00ed. A nen\u00ed divu, p\u0159eci jen a\u010dkoliv se rozhodn\u011b finan\u010dn\u011b p\u0159\u00edli\u0161 nevyplat\u00ed, je to \u010dasto jedin\u00fd zp\u016fsob, jak vysn\u011bn\u00fd d\u016fm \u010di byt z\u00edskat. I kdy\u017e to znamen\u00e1 zadlu\u017eit se na mnoho let dop\u0159edu.Pokud se pro ni v\u0161ak ji\u017e rozhodneme, je ot\u00e1zkou, kter\u00e9ho z poskytovatel\u016f si vybereme. Zat\u00edmco d\u0159\u00edve toti\u017e byly ve\u0161ker\u00e9 p\u016fj\u010dky, nejen hypot\u00e9ky, poskytov\u00e1ny pouze st\u00e1tem kontrolovan\u00fdmi bankami, dnes je situace jin\u00e1.Z p\u016fj\u010dov\u00e1n\u00ed pen\u011bz se stal obor podnik\u00e1n\u00ed jako ka\u017ed\u00fd jin\u00fd, a je t\u0159eba \u0159\u00edci, \u017ee se jedn\u00e1 o obor pom\u011brn\u011b v\u00fdnosn\u00fd. Nen\u00ed tedy divu, \u017ee jej banky za\u0159adily mezi sv\u00e9 b\u011b\u017en\u00e9 slu\u017eby a \u017ee se jich chopili i soukrom\u00ed podnikatel\u00e9.Ti \u010dasto zakl\u00e1daj\u00ed firmy, specializovan\u00e9 pr\u00e1v\u011b na nejr\u016fzn\u011bj\u0161\u00ed druhy p\u016fj\u010dek. V\u00fdhoda je v tom, \u017ee nejsou tak pevn\u011b sv\u00e1z\u00e1ni pravidly jako banky. Mohou si tedy dovolit nab\u00edzet i produkty, kter\u00e9 banky zkr\u00e1tka poskytovat nesm\u00ed.I p\u0159es zjevn\u00e9 v\u00fdhody je zde v\u0161ak fakt, \u017ee b\u011b\u017en\u00e1 ve\u0159ejnost na tyto subjekty pohl\u00ed\u017e\u00ed s ned\u016fv\u011brou. A je jedno, \u017ee nab\u00edz\u00ed t\u0159eba i nebankovn\u00ed hypot\u00e9ky Hypotekybezregistru.cz, kter\u00e9 maj\u00ed podstatn\u011b p\u0159\u00edstupn\u011bj\u0161\u00ed podm\u00ednky, a tedy i v\u011bt\u0161\u00ed pravd\u011bpodobnost, \u017ee bude \u017e\u00e1dost schv\u00e1lena.Pro\u010d zde tedy panuje takov\u00e1 ned\u016fv\u011bra? M\u00e1 to co d\u011blat s pov\u011bst\u00ed, kter\u00e9 tyto spole\u010dnosti obklopuj\u00ed. Konkr\u00e9tn\u011b na n\u011b lid\u00e9 nahl\u00ed\u017e\u00ed jako na nespolehliv\u00e9, s podm\u00ednkami jednostrann\u011b v\u00fdhodn\u00fdmi pouze pro n\u011b. Vn\u00edmaj\u00ed je jako firmy, kter\u00e9 existuj\u00ed jen proto, aby v\u00e1s v kone\u010dn\u00e9m d\u016fsledku p\u0159ipravili o v\u0161echny va\u0161e pen\u00edze, zat\u00edmco banky b\u00fdvaj\u00ed obvykle pova\u017eov\u00e1ny za solidn\u00ed.Ale je to skute\u010dn\u011b tak, nebo se jedn\u00e1 pouze o p\u0159edsudky, vytvo\u0159en\u00e9 na z\u00e1klad\u011b n\u011bkolika \u0161patn\u00fdch p\u0159\u00edklad\u016f? Jak u\u017e to b\u00fdv\u00e1, odpov\u011b\u010f je n\u011bkde uprost\u0159ed. Nem\u011bli bychom tedy hled\u011bt p\u0159\u00edli\u0161 na to, zda je poskytovatel bankovn\u00ed \u010di nebankovn\u00ed subjekt, ale sp\u00ed\u0161e na to, jak\u00e9 m\u00e1 reference, p\u0159edev\u0161\u00edm od b\u00fdval\u00fdch z\u00e1kazn\u00edk\u016f. V\u011b\u0159te, \u017ee to hodn\u011b pom\u016f\u017ee.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d lid\u00e9 pova\u017euj\u00ed nebankovn\u00ed hypot\u00e9ky za ned\u016fv\u011bryhodn\u00e9","item":"https:\/\/www.kruhzitko.cz\/proc-lide-povazuji-nebankovni-hypoteky-za-neduveryhodne\/#breadcrumbitem"}]}]