[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kpks.cz\/pro-koho-je-vhodna-nebankovni-hypoteka-bez-registru\/#Article","mainEntityOfPage":"https:\/\/www.kpks.cz\/pro-koho-je-vhodna-nebankovni-hypoteka-bez-registru\/","headline":"Pro koho je vhodn\u00e1 nebankovn\u00ed hypot\u00e9ka bez registru","name":"Pro koho je vhodn\u00e1 nebankovn\u00ed hypot\u00e9ka bez registru","description":"Bydlet ve vlastn\u00edm dom\u011b \u010di byt\u011b je snem snad ka\u017ed\u00e9ho \u010dlov\u011bka. Ne ka\u017ed\u00fd m\u00e1 v\u0161ak tolik pen\u011bz, aby si jej mohl splnit, a ne ka\u017ed\u00fd si je na\u0161et\u0159\u00ed. Takov\u00ed lid\u00e9, kte\u0159\u00ed se nav\u00edc necht\u011bj\u00ed spokojit s pouh\u00fdm bydlen\u00edm v n\u00e1jmu \u010di pron\u00e1jmu, obvykle vol\u00ed n\u011bkter\u00fd z druh\u016f hypot\u00e9k. Co je to vlastn\u011b hypot\u00e9ka? Zjednodu\u0161en\u011b je […]","datePublished":"2019-10-03","dateModified":"2023-05-25","author":{"@type":"Person","@id":"https:\/\/www.kpks.cz\/author\/#Person","name":"","url":"https:\/\/www.kpks.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kpks.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kpks.cz\/wp-content\/uploads\/img_a367047_w2161_t1579445709.png","url":"https:\/\/www.kpks.cz\/wp-content\/uploads\/img_a367047_w2161_t1579445709.png","height":0,"width":0},"url":"https:\/\/www.kpks.cz\/pro-koho-je-vhodna-nebankovni-hypoteka-bez-registru\/","about":["Ekonomika"],"wordCount":487,"articleBody":"   Bydlet ve vlastn\u00edm dom\u011b \u010di byt\u011b je snem snad ka\u017ed\u00e9ho \u010dlov\u011bka. Ne ka\u017ed\u00fd m\u00e1 v\u0161ak tolik pen\u011bz, aby si jej mohl splnit, a ne ka\u017ed\u00fd si je na\u0161et\u0159\u00ed. Takov\u00ed lid\u00e9, kte\u0159\u00ed se nav\u00edc necht\u011bj\u00ed spokojit s pouh\u00fdm bydlen\u00edm v n\u00e1jmu \u010di pron\u00e1jmu, obvykle vol\u00ed n\u011bkter\u00fd z druh\u016f hypot\u00e9k.   Co je to vlastn\u011b hypot\u00e9ka? Zjednodu\u0161en\u011b je to p\u016fj\u010dka ur\u010den\u00e1 na financov\u00e1n\u00ed koup\u011b \u010di rekonstrukce domu nebo bytu. Je ur\u010dena t\u011bm, kte\u0159\u00ed si cht\u011bj\u00ed po\u0159\u00eddit vlastn\u00ed bydlen\u00ed, ale nemaj\u00ed dostatek pen\u011bz. Je nutno poznamenat, \u017ee hypot\u00e9ky b\u00fdvaj\u00ed obvykle na velmi vysokou \u010d\u00e1stku a maj\u00ed tedy i dlouhou dobu splatnosti, mnohdy a\u017e n\u011bkolik des\u00edtek let. Jak si ale vybrat tu spr\u00e1vnou? V z\u00e1sad\u011b jsou tu dva typy: bankovn\u00ed s registrem a nebankovn\u00ed hypot\u00e9ka bez registru. Jak\u00fd je mezi nimi rozd\u00edl, a kter\u00e1 je pro v\u00e1s ta prav\u00e1? Je to pom\u011brn\u011b jednoduch\u00e9. Z\u00e1sadn\u00ed rozd\u00edl spo\u010d\u00edv\u00e1 v tom, \u017ee banky si v\u00e1s p\u0159ed schv\u00e1len\u00edm hypot\u00e9ky v\u017edy prov\u011b\u0159\u00ed.  Konkr\u00e9tn\u011b se jedn\u00e1 o va\u0161i schopnost spl\u00e1cet. Mus\u00edte dolo\u017eit, \u017ee budete schopni danou \u010d\u00e1stku m\u011bs\u00ed\u010dn\u011b platit. A jak se dokl\u00e1d\u00e1? Obvykle potvrzen\u00edm va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu, nap\u0159\u00edklad pomoc\u00ed v\u00fdplatn\u00ed p\u00e1sky, a pracovn\u00ed smlouvou \u010di potvrzen\u00edm o d\u016fchodu. To v\u0161ak nen\u00ed v\u0161e. Pot\u00e9, co byl v\u00e1\u0161 p\u0159\u00edjem uzn\u00e1n dostate\u010dn\u00fdm na to, abyste mohli na danou hypot\u00e9ku dos\u00e1hnout, si v\u00e1s je\u0161t\u011b prov\u011b\u0159\u00ed v registru dlu\u017en\u00edk\u016f. Zde si prov\u011b\u0159\u00ed, zda ji\u017e n\u011bkde n\u011bjakou p\u016fj\u010dku m\u00e1te, a pokud ano, zda ji \u0159\u00e1dn\u011b plat\u00edte. A teprve pot\u00e9, co t\u00edmto projdete, dos\u00e1hnete na vysn\u011bn\u00e9 pen\u00edze. Na druhou stranu nebankovn\u00ed spole\u010dnosti si s t\u00edm takov\u00e9 starosti ned\u011blaj\u00ed. Nevy\u017eaduj\u00ed od v\u00e1s v\u016fbec nic k tomu, aby v\u00e1m pen\u00edze poskytli. To samoz\u0159ejm\u011b znamen\u00e1, \u017ee na ni dos\u00e1hne mnohem \u0161ir\u0161\u00ed okruh lid\u00ed. Nejv\u00edce se o ni zaj\u00edmaj\u00ed pr\u00e1v\u011b lid\u00e9 s ni\u017e\u0161\u00edm p\u0159\u00edjmem a lid\u00e9 z ni\u017e\u0161\u00edch soci\u00e1ln\u00edch vrstev. \u010casto pro n\u011b p\u0159edstavuje jedinou mo\u017enost, jak z\u00edskat vysn\u011bn\u00e9 bydlen\u00ed. Jak bychom si tedy m\u011bli vybrat? P\u0159edev\u0161\u00edm bychom m\u011bli uv\u00e1\u017eit, jakou \u010d\u00e1stku jsme m\u011bs\u00ed\u010dn\u011b schopni spl\u00e1cet. D\u00e1le bychom m\u011bli porovnat ve\u0161ker\u00e9 \u00faroky a poplatky, abychom zjistili, jakou \u010d\u00e1stku tedy nakonec zaplat\u00edme. A na z\u00e1klad\u011b toho vybrat tu nejlep\u0161\u00ed spole\u010dnost, kter\u00e1 n\u00e1m poskytne p\u0159esn\u011b ten druh p\u016fj\u010dky a za podm\u00ednek, kter\u00e9 jsou pro n\u00e1s nejp\u0159ijateln\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           3.8\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro koho je vhodn\u00e1 nebankovn\u00ed hypot\u00e9ka bez registru","item":"https:\/\/www.kpks.cz\/pro-koho-je-vhodna-nebankovni-hypoteka-bez-registru\/#breadcrumbitem"}]}]