[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aanet.cz\/jsou-nebankovni-hypoteky-bez-registru-riskantni\/#Article","mainEntityOfPage":"https:\/\/www.aanet.cz\/jsou-nebankovni-hypoteky-bez-registru-riskantni\/","headline":"Jsou nebankovn\u00ed hypot\u00e9ky bez registru riskantn\u00ed?","name":"Jsou nebankovn\u00ed hypot\u00e9ky bez registru riskantn\u00ed?","description":"Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee m\u00edt vlastn\u00ed d\u016fm \u010di byt je snem mnoha lid\u00ed, nejen t\u011bch mlad\u00fdch. Asi ka\u017ed\u00fd toti\u017e pochop\u00ed, jak\u00e9 v\u00fdhody bydlen\u00ed ve vlastn\u00edm nab\u00edz\u00ed. P\u0159edev\u0161\u00edm je to tedy jistota, \u017ee o svou st\u0159echu nad hlavou nem\u016f\u017eeme a\u017e tak snadno p\u0159ij\u00edt. Je v\u0161ak pravdou, \u017ee ceny nemovitost\u00ed jsou pom\u011brn\u011b vysok\u00e9. Je to p\u0159edev\u0161\u00edm … ","datePublished":"2020-08-15","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.aanet.cz\/author\/#Person","name":"","url":"https:\/\/www.aanet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aanet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aanet.cz\/wp-content\/uploads\/hypoteka6_10_4.jpg","url":"https:\/\/www.aanet.cz\/wp-content\/uploads\/hypoteka6_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.aanet.cz\/jsou-nebankovni-hypoteky-bez-registru-riskantni\/","about":["Ekonomika"],"wordCount":431,"articleBody":"   Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee m\u00edt vlastn\u00ed d\u016fm \u010di byt je snem mnoha lid\u00ed, nejen t\u011bch mlad\u00fdch. Asi ka\u017ed\u00fd toti\u017e pochop\u00ed, jak\u00e9 v\u00fdhody bydlen\u00ed ve vlastn\u00edm nab\u00edz\u00ed. P\u0159edev\u0161\u00edm je to tedy jistota, \u017ee o svou st\u0159echu nad hlavou nem\u016f\u017eeme a\u017e tak snadno p\u0159ij\u00edt.Je v\u0161ak pravdou, \u017ee ceny nemovitost\u00ed jsou pom\u011brn\u011b vysok\u00e9. Je to p\u0159edev\u0161\u00edm proto, \u017ee se jedn\u00e1 o omezenou komoditu. P\u0159eci jen, pozemky nep\u0159ib\u00fdvaj\u00ed a p\u0159ib\u00fdvat nebudou, alespo\u0148 dokud se nerozhodneme vytvo\u0159it plovouc\u00ed m\u011bsta na oce\u00e1nech.Nav\u00edc tak\u00e9 n\u00e1klady na stavbu domu rozhodn\u011b nejsou mal\u00e9, a cena, za kterou se d\u016fm \u010di byt prod\u00e1v\u00e1, tomu samoz\u0159ejm\u011b bude odpov\u00eddat. Nehled\u011b na to, \u017ee prodejce chce tak\u00e9 n\u011bco vyd\u011blat.To v\u0161e je pochopiteln\u00e9, ale kde m\u00e1 b\u011b\u017en\u00fd \u010dlov\u011bk vyd\u011blat dostatek pen\u011bz? \u0158e\u0161en\u00edm zde m\u016f\u017ee b\u00fdt n\u011bkter\u00fd z druh\u016f hypot\u00e9k, jako jsou nap\u0159\u00edklad nebankovn\u00ed hypot\u00e9ky bez registru. Ty pat\u0159\u00ed k t\u011bm dlouhodob\u011b obl\u00edben\u00fdm, a nen\u00ed divu.Jak ji\u017e bylo \u0159e\u010deno, jsou poskytov\u00e1ny nebankovn\u00edmi spole\u010dnostmi. Je to proto, \u017ee bankovn\u00ed \u0159\u00e1dy neumo\u017e\u0148uj\u00ed stanovit takov\u00e1to pravidla pro poskytov\u00e1n\u00ed hypot\u00e9ky. A a\u010dkoliv se to d\u011bje pomalu, i nebankovn\u00ed spole\u010dnosti si pomalu z\u00edsk\u00e1vaj\u00ed d\u016fv\u011bru ve\u0159ejnosti.Pokud jde o to, \u017ee jsou bez registru, pak to neznamen\u00e1 nic jin\u00e9ho, ne\u017e \u017ee \u017eadatel nen\u00ed prov\u011b\u0159ov\u00e1n v seznamu dlu\u017en\u00edk\u016f. Pokud tam toti\u017e m\u00e1 z\u00e1znam, zna\u010dn\u011b to sni\u017euje jeho \u0161ance na schv\u00e1len\u00ed \u017e\u00e1dosti. A to rozhodn\u011b nikdo nechce.Faktem je, \u017ee v tomto seznamu je dnes v\u011bt\u0161ina dosp\u011bl\u00e9 populace, by\u0165 ne vlastn\u00ed vinou. Tento typ hypot\u00e9ky tak pro m\u011b m\u016f\u017ee p\u0159edstavovat jedin\u00fd mo\u017en\u00fd zp\u016fsob, jak z\u00edskat pen\u00edze na koupi vlastn\u00edho domu \u010di bytu. Skr\u00fdv\u00e1 ale i n\u011bjak\u00e1 rizika?Popravd\u011b, ano. Je toti\u017e t\u0159eba si spo\u010d\u00edtat, zda i se spl\u00e1tkami, kter\u00e9 nyn\u00ed m\u00e1me, budeme m\u00edt dostatek pen\u011bz na to, abychom mohli spl\u00e1cet i tuto hypot\u00e9ku. A to nejen v b\u011b\u017en\u00fdch m\u011bs\u00edc\u00edch, ale i v dob\u011b, kdy m\u00e1me mimo\u0159\u00e1dn\u00e9 v\u00fddaje, nap\u0159\u00edklad o V\u00e1noc\u00edch.Pokud si v\u0161e takto promysl\u00edme, pak se nemus\u00edme b\u00e1t, \u017ee budeme m\u00edt probl\u00e9my.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jsou nebankovn\u00ed hypot\u00e9ky bez registru riskantn\u00ed?","item":"https:\/\/www.aanet.cz\/jsou-nebankovni-hypoteky-bez-registru-riskantni\/#breadcrumbitem"}]}]