[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fasc.cz\/je-nebankovni-hypoteka-bezpecna\/#Article","mainEntityOfPage":"https:\/\/www.fasc.cz\/je-nebankovni-hypoteka-bezpecna\/","headline":"Je nebankovn\u00ed hypot\u00e9ka bezpe\u010dn\u00e1?","name":"Je nebankovn\u00ed hypot\u00e9ka bezpe\u010dn\u00e1?","description":"V p\u0159\u00edpad\u011b, \u017ee klient banky nedos\u00e1hne na hypot\u00e9ku, hled\u00e1 dal\u0161\u00ed mo\u017enosti, jak financovat sv\u00e9 bydlen\u00ed. V\u017edy\u0165 p\u016fj\u010dov\u00e1n\u00ed pen\u011bz nen\u00ed rizikem pouze pro dlu\u017en\u00edka, ale tak\u00e9 pro v\u011b\u0159itele, co\u017e je tak\u00e9 d\u016fvodem, pro\u010d si banky sv\u00e9 klienty p\u0159edem pe\u010dliv\u011b pot\u0159ebuj\u00ed. Nebudou p\u0159ece p\u016fj\u010dovat nikomu, u koho si nejsou jist\u00ed, \u017ee jim pen\u00edze vr\u00e1t\u00ed zp\u011bt. Lid\u00e9 proto […]","datePublished":"2020-07-19","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.fasc.cz\/author\/#Person","name":"","url":"https:\/\/www.fasc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac70c9e5ac34d1687bd81eed3e0a5127e2920111fdfe832b53d740bc4b86c4fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fasc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fasc.cz\/wp-content\/uploads\/analysis-680572_1280.jpg","url":"https:\/\/www.fasc.cz\/wp-content\/uploads\/analysis-680572_1280.jpg","height":0,"width":0},"url":"https:\/\/www.fasc.cz\/je-nebankovni-hypoteka-bezpecna\/","about":["Finance"],"wordCount":455,"articleBody":"         V p\u0159\u00edpad\u011b, \u017ee klient banky nedos\u00e1hne na hypot\u00e9ku, hled\u00e1 dal\u0161\u00ed mo\u017enosti, jak financovat sv\u00e9 bydlen\u00ed. V\u017edy\u0165 p\u016fj\u010dov\u00e1n\u00ed pen\u011bz nen\u00ed rizikem pouze pro dlu\u017en\u00edka, ale tak\u00e9 pro v\u011b\u0159itele, co\u017e je tak\u00e9 d\u016fvodem, pro\u010d si banky sv\u00e9 klienty p\u0159edem pe\u010dliv\u011b pot\u0159ebuj\u00ed. Nebudou p\u0159ece p\u016fj\u010dovat nikomu, u koho si nejsou jist\u00ed, \u017ee jim pen\u00edze vr\u00e1t\u00ed zp\u011bt. Lid\u00e9 proto hledaj\u00ed jin\u00e9 mo\u017enosti a d\u0159\u00edve nebo pozd\u011bji naraz\u00ed na nebankovn\u00ed p\u016fj\u010dky, jim\u017e v touze po vlastn\u00edm bydlen\u00ed podlehnou. Je ale tento typ bezpe\u010dn\u00fd?Odpov\u011b\u010f zn\u00ed ano i ne. Nejv\u011bt\u0161\u00ed nebezpe\u010d\u00ed je spjato s ji\u0161t\u011bn\u00edm \u2013 tyto spole\u010dnosti toti\u017e neb\u00fdvaj\u00ed tak stabiln\u00ed a mohou tedy ukon\u010dit svou \u010dinnost p\u0159edt\u00edm, ne\u017e vyplat\u00ed sl\u00edbenou \u010d\u00e1stku. Dal\u0161\u00ed riziko je skryto v poplatc\u00edch a \u00faroc\u00edch. To je samoz\u0159ejm\u011b ovlivn\u011bno v\u00edce rizikov\u00fdm dlu\u017en\u00edkem, kter\u00fd by nemusel b\u00fdt schopen spl\u00e1cet. Pokud se klient do takov\u00e9 situace dostane, dluh mu naroste do takov\u00e9 v\u00fd\u0161e, \u017ee na n\u011bj bude uvalena exekuce \u010di dokonce zabaven\u00ed nemovitosti.Na druhou stranu, pokud si vyberete nebankovn\u00ed spole\u010dnost, kter\u00e1 na trhu ji\u017e n\u011bjakou dobu p\u016fsob\u00ed a je l\u00e9ty prov\u011b\u0159ena, sen o vlastn\u00edm bydlen\u00ed nemus\u00ed b\u00fdt tak daleko. Nebankovn\u00ed hypot\u00e9ka od t\u011bchto spole\u010dnost\u00ed je nav\u00edc ur\u010dena nejen na nemovitost, lze je vlastn\u011b pou\u017e\u00edt na cokoli \u2013 refinancov\u00e1n\u00ed, slou\u010den\u00ed p\u016fj\u010dek do jedn\u00e9, vyplacen\u00ed exekuc\u00ed atd.Solidn\u00ed nebankovn\u00ed spole\u010dnost si v\u00e1s samoz\u0159ejm\u011b tak\u00e9 prov\u011b\u0159\u00ed \u2013 nebudou p\u016fj\u010dovat jen proto, aby p\u016fj\u010den\u00e1 \u010d\u00e1stka narostla v ohromn\u00fd dluh, kter\u00fd i pro n\u011b p\u0159edstavuje jist\u00e9 riziko. \u010casto proto \u201ep\u0159ehl\u00e9dnou\u201c m\u00e9n\u011b z\u00e1va\u017en\u00e9 z\u00e1znamy v registrech, kter\u00e9 se je\u0161t\u011b daj\u00ed pro p\u016fj\u010dku tolerovat. Sta\u010d\u00ed dolo\u017eit pravideln\u00e9 p\u0159\u00edjmy, \u010d\u00edm\u017e ur\u010d\u00edte celkovou v\u00fd\u0161i \u00fav\u011bru a tedy \u010d\u00e1stky, kterou lze ka\u017ed\u00fd m\u011bs\u00edc bez probl\u00e9m\u016f spl\u00e1cet. V\u00fd\u0161e \u00fav\u011bru je pak ovlivn\u011bna samoz\u0159ejm\u011b tak\u00e9 hodnotou nemovitosti \u2013 finance jsou poskytnuty a\u017e do v\u00fd\u0161e 70 % z odhadn\u00ed ceny. Doba splatnosti se pohybuje v rozmez\u00ed 1 a\u017e 40 let, schv\u00e1len\u00ed a vy\u0159\u00edzen\u00ed p\u016fj\u010dky je mnohem rychlej\u0161\u00ed ne\u017e v bance.Pokud tedy banka zam\u00edtla va\u0161i \u017e\u00e1dost o \u00fav\u011br, nezoufejte. P\u0159i v\u00fdb\u011bru nebankovn\u00ed spole\u010dnosti m\u011bjte ale o\u010di na stopk\u00e1ch, trh je pln\u00fd podvodn\u00edk\u016f, kter\u00fdm na klientech v\u016fbec nez\u00e1le\u017e\u00ed, ba naopak, cht\u011bj\u00ed se sed\u0159\u00edt z k\u016f\u017ee.                                                                                                                                                                                                                                                                                                                                                                                          3.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je nebankovn\u00ed hypot\u00e9ka bezpe\u010dn\u00e1?","item":"https:\/\/www.fasc.cz\/je-nebankovni-hypoteka-bezpecna\/#breadcrumbitem"}]}]