[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bend.cz\/hypoteku-muzete-ziskat-i-vy\/#Article","mainEntityOfPage":"https:\/\/www.bend.cz\/hypoteku-muzete-ziskat-i-vy\/","headline":"Hypot\u00e9ku m\u016f\u017eete z\u00edskat i vy","name":"Hypot\u00e9ku m\u016f\u017eete z\u00edskat i vy","description":"Hypot\u00e9ka je p\u0159itom druh financov\u00e1n\u00ed, kter\u00fd lidi v \u010cesk\u00e9 republice vyu\u017e\u00edvaj\u00ed velmi \u010dasto. Bohu\u017eel, na\u0161e ceny nemovitost\u00ed nejsou nastaven\u00e9 tak, aby na n\u011b bylo mo\u017eno … ","datePublished":"2024-01-27","dateModified":"2024-01-27","author":{"@type":"Person","@id":"https:\/\/www.bend.cz\/author\/#Person","name":"","url":"https:\/\/www.bend.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bend.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bend.cz\/wp-content\/uploads\/rupixen-pbgYcq3_Zx0-unsplash.jpg","url":"https:\/\/www.bend.cz\/wp-content\/uploads\/rupixen-pbgYcq3_Zx0-unsplash.jpg","height":0,"width":0},"url":"https:\/\/www.bend.cz\/hypoteku-muzete-ziskat-i-vy\/","about":["Finance"],"wordCount":389,"articleBody":"   Hypot\u00e9ka je p\u0159itom druh financov\u00e1n\u00ed, kter\u00fd lidi v \u010cesk\u00e9 republice vyu\u017e\u00edvaj\u00ed velmi \u010dasto. Bohu\u017eel, na\u0161e ceny nemovitost\u00ed nejsou nastaven\u00e9 tak, aby na n\u011b bylo mo\u017eno jenom tak na\u0161et\u0159it. Ceny nemovitost\u00ed jsou vzhledem k platov\u00fdm pom\u011br\u016fm u n\u00e1s velmi p\u0159emr\u0161t\u011bn\u00e9. Bohu\u017eel, do budoucna to nevypad\u00e1, \u017ee by se situace vyv\u00edjela n\u011bjak l\u00e9pe. Ud\u00e1losti posledn\u00edch let neblaze ovlivnili celosv\u011btov\u011b ekonomiku, a u n\u00e1s to, mimo jin\u00e9ho, odnesly pr\u00e1v\u011b i ceny nemovitost\u00ed.Proto se spousta lid\u00ed uchyluje k tomu, \u017ee si za\u017e\u00e1daj\u00ed o hypot\u00e9ku. Je to pro n\u011b \u010dasto jedin\u00e1 varianta, jak mohou z\u00edskat vlastn\u00ed bydlen\u00ed, pokud samoz\u0159ejm\u011b nemaj\u00ed to \u0161t\u011bst\u00ed, \u017ee by n\u011bjakou nemovitost zd\u011bdili, nebo podobn\u011b.Co ale ti, kte\u0159\u00ed maj\u00ed za sebou v ohledu financov\u00e1n\u00ed neblahou minulost? Ti, na kter\u00e9 pohl\u00ed\u017e\u00ed banky jako na dlu\u017en\u00edky? I ti maj\u00ed mo\u017enost. Existuje toti\u017e hypot\u00e9ka pro dlu\u017en\u00edky.Pokud jste v minulosti m\u011bli p\u016fj\u010dku, kterou jste nezvl\u00e1dali spl\u00e1cet, bude va\u0161e jm\u00e9no figurovat v registru dlu\u017en\u00edk\u016f. Tam z\u016fstane je\u0161t\u011b t\u0159i roky pot\u00e9, co doplat\u00edte dlu\u017enou spl\u00e1tku. A pokud va\u0161e jm\u00e9no figuruje v n\u011b\u010dem takov\u00e9m, nemus\u00edte se ani obt\u011b\u017eovat pod\u00edvat \u017e\u00e1dost o hypot\u00e9ku v bance. Na 99 % v\u00e1m ji zam\u00edtnou, proto\u017ee jste pro n\u011b rizikov\u00fdm klientem, u kter\u00e9ho hroz\u00ed, \u017ee nebude sv\u00e9 z\u00e1vazky \u0159\u00e1dn\u011b spl\u00e1cet.Ke slovu se v tomto p\u0159\u00edpad\u011b dost\u00e1vaj\u00ed nebankovn\u00ed spole\u010dnosti. Ty jsou ochotn\u00e9 poskytnout hypot\u00e9ku i t\u011bm, kte\u0159\u00ed jsou v registru dlu\u017en\u00edk\u016f. Nej\u010dast\u011bji cht\u011bj\u00ed ale jako z\u00e1vazek toho, \u017ee budete hypot\u00e9ku spl\u00e1cet, ru\u010den\u00ed n\u011bjakou nemovitost\u00ed. Bu\u010f va\u0161\u00ed, nebo n\u011b\u010d\u00ed jinou. Je to tedy samoz\u0159ejm\u011b riziko, \u017ee pokud nebudete hypot\u00e9ku \u0159\u00e1dn\u011b spl\u00e1cet, tak v\u00e1m nemovitost zabav\u00ed.Pokud jste ale registrov\u00e1ni jako dlu\u017en\u00edci, je to \u010dasto jedin\u00fd zp\u016fsob, jak m\u016f\u017eete z\u00edskat hypot\u00e9ku. Pokud si tedy jste jist\u00ed, \u017ee ji zvl\u00e1dnete spl\u00e1cet, zkuste si podat \u017e\u00e1dost a informovat se o podm\u00ednk\u00e1ch financov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ku m\u016f\u017eete z\u00edskat i vy","item":"https:\/\/www.bend.cz\/hypoteku-muzete-ziskat-i-vy\/#breadcrumbitem"}]}]