[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.castoral.cz\/je-hypoteka-bez-dokladani-prijmu-vhodna\/#Article","mainEntityOfPage":"https:\/\/www.castoral.cz\/je-hypoteka-bez-dokladani-prijmu-vhodna\/","headline":"Je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu vhodn\u00e1?","name":"Je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu vhodn\u00e1?","description":"M\u00edt vlastn\u00ed bydlen\u00ed je p\u0159\u00e1n\u00edm asi ka\u017ed\u00e9ho z n\u00e1s. Jen m\u00e1lokdo si jej v\u0161ak m\u016f\u017ee dovolit. Pro ty ostatn\u00ed zde existuje mo\u017enost hypot\u00e9ky, co\u017e je \u00fa\u010delov\u00e1 p\u016fj\u010dka, ur\u010den\u00e1 na koupi konkr\u00e9tn\u00ed nemovitosti. Tou m\u016f\u017ee b\u00fdt d\u016fm, byt \u010di jednodu\u0161e pozemek, na kter\u00e9m cht\u011bj\u00ed budouc\u00ed majitel\u00e9 stav\u011bt. A\u017e potud to zn\u00ed v\u0161echno dob\u0159e. Probl\u00e9m je v...","datePublished":"2020-06-22","dateModified":"2020-06-22","author":{"@type":"Person","@id":"https:\/\/www.castoral.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.castoral.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"castoral.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.castoral.cz\/wp-content\/uploads\/hypoteka2_5.jpg","url":"https:\/\/www.castoral.cz\/wp-content\/uploads\/hypoteka2_5.jpg","height":0,"width":0},"url":"https:\/\/www.castoral.cz\/je-hypoteka-bez-dokladani-prijmu-vhodna\/","about":["Ekonomika"],"wordCount":456,"articleBody":"   M\u00edt vlastn\u00ed bydlen\u00ed je p\u0159\u00e1n\u00edm asi ka\u017ed\u00e9ho z n\u00e1s. Jen m\u00e1lokdo si jej v\u0161ak m\u016f\u017ee dovolit. Pro ty ostatn\u00ed zde existuje mo\u017enost hypot\u00e9ky, co\u017e je \u00fa\u010delov\u00e1 p\u016fj\u010dka, ur\u010den\u00e1 na koupi konkr\u00e9tn\u00ed nemovitosti. Tou m\u016f\u017ee b\u00fdt d\u016fm, byt \u010di jednodu\u0161e pozemek, na kter\u00e9m cht\u011bj\u00ed budouc\u00ed majitel\u00e9 stav\u011bt.A\u017e potud to zn\u00ed v\u0161echno dob\u0159e. Probl\u00e9m je v tom, \u017ee p\u0159i \u017e\u00e1dosti o ni je pot\u0159eba dolo\u017eit sv\u016fj p\u0159\u00edjem. To se prov\u00e1d\u00ed p\u0159edlo\u017een\u00edm posledn\u00ed v\u00fdplatn\u00ed p\u00e1sky a pracovn\u00ed smlouvy. T\u00edm se dokazuje, \u017ee m\u00e1te nejen p\u0159\u00edjem, ale i st\u00e1l\u00e9 zam\u011bstn\u00e1n\u00ed.Pro\u010d toto firmy d\u011blaj\u00ed? Jednodu\u0161e proto, aby zajistili, \u017ee dlu\u017en\u00edk bude schopen spl\u00e1cet dohodnutou \u010d\u00e1stku. To je d\u016fle\u017eit\u00e9, proto\u017ee, jak v\u00edme, z neplati\u010de se pen\u00edze z\u00edsk\u00e1vaj\u00ed pom\u011brn\u011b t\u011b\u017eko, mnohdy dojde i na exekuce a soudn\u00ed proces.T\u00edm v\u0161ak p\u0159ijde o mo\u017enost m\u00edt vlastn\u00ed bydlen\u00ed pom\u011brn\u011b velk\u00e1 \u010d\u00e1st populace, kter\u00e1 na ni nedos\u00e1hne proto, \u017ee m\u00e1 mal\u00fd p\u0159\u00edjem. Proto existuje i hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu Hypot\u00e9ka bez registru, kde jeho dolo\u017een\u00ed nevy\u017eaduj\u00ed.Je jasn\u00e9, \u017ee je to velmi obl\u00edben\u00fd typ, hlavn\u011b pro svou dostupnost \u0161irok\u00e9 \u0161k\u00e1le lid\u00ed. Mus\u00edme v\u0161ak uv\u00e1\u017eit, \u017ee oproti klasick\u00e9mu typu je pro firmu, kter\u00e1 pen\u00edze poskytne, o dost rizikov\u011bj\u0161\u00ed. Nen\u00ed tedy divu, \u017ee nap\u0159\u00edklad banky jej v nab\u00eddce v\u016fbec nemaj\u00ed. Pokud o n\u011bj m\u00e1te z\u00e1jem, mus\u00edte se obr\u00e1tit na nebankovn\u00ed spole\u010dnost.Toto riziko, \u017ee klient nebude schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm, si firmy samoz\u0159ejm\u011b alespo\u0148 \u010d\u00e1ste\u010dn\u011b kompenzuj\u00ed. P\u0159edev\u0161\u00edm t\u00edm, \u017ee \u00faroky i mno\u017estv\u00ed nejr\u016fzn\u011bj\u0161\u00edch poplatk\u016f, zvl\u00e1\u0161t\u011b t\u011bch z prodlen\u00ed, je podstatn\u011b v\u011bt\u0161\u00ed, ne\u017e b\u00fdv\u00e1 u t\u00e9 klasick\u00e9 zvykem. Mus\u00edte se tedy sm\u00ed\u0159it s t\u00edm, \u017ee zaplat\u00edte o mnoho v\u00edce, ne\u017e v\u00e1m bylo p\u016fj\u010deno.Faktem je, \u017ee v\u011bt\u0161ina odborn\u00edk\u016f tento typ financov\u00e1n\u00ed bydlen\u00ed p\u0159\u00edli\u0161 nedoporu\u010duje. Je toti\u017e velmi snadn\u00e9 si vz\u00edt p\u016fj\u010dku, av\u0161ak hor\u0161\u00ed je spo\u010d\u00edtat si, zda skute\u010dn\u011b budu m\u00edt na to sv\u00fdm z\u00e1vazk\u016fm dost\u00e1t, a to i v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch ud\u00e1lost\u00ed, jako je nap\u0159\u00edklad dlouhodob\u00e1 nemoc. Jen tak se toti\u017e vyhnete probl\u00e9m\u016fm a p\u0159\u00edpadn\u00e9 exekuci.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu vhodn\u00e1?","item":"https:\/\/www.castoral.cz\/je-hypoteka-bez-dokladani-prijmu-vhodna\/#breadcrumbitem"}]}]