[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spira.cz\/o-hypoteku-je-mozne-zazadat-i-bez-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.spira.cz\/o-hypoteku-je-mozne-zazadat-i-bez-prijmu\/","headline":"O hypot\u00e9ku je mo\u017en\u00e9 za\u017e\u00e1dat i bez p\u0159\u00edjmu!","name":"O hypot\u00e9ku je mo\u017en\u00e9 za\u017e\u00e1dat i bez p\u0159\u00edjmu!","description":"Hypot\u00e9ka pat\u0159\u00ed mezi nejobl\u00edben\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty v\u016fbec, nab\u00edz\u00ed i nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky a \u00farokovou sazbu. Se st\u00e1le nar\u016fstaj\u00edc\u00edmi ceny nemovitost\u00ed a rostouc\u00ed inflac\u00ed u\u017e na n\u00ed nedos\u00e1hne ka\u017ed\u00fd, jak tomu b\u00fdvalo kdysi. \u017dadatel mus\u00ed splnit povinn\u00e9 podm\u00ednky, kter\u00e9 stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, nav\u00edc i dal\u0161\u00ed intern\u00ed podm\u00ednky dan\u00e9 banky. Je proto pochopiteln\u00e9, \u017ee spousta \u017e\u00e1dost\u00ed kon\u010d\u00ed […]","datePublished":"2022-02-14","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.spira.cz\/author\/#Person","name":"","url":"https:\/\/www.spira.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spira.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spira.cz\/wp-content\/uploads\/pexels-rodnae-productions-8293744_3.jpg","url":"https:\/\/www.spira.cz\/wp-content\/uploads\/pexels-rodnae-productions-8293744_3.jpg","height":0,"width":0},"url":"https:\/\/www.spira.cz\/o-hypoteku-je-mozne-zazadat-i-bez-prijmu\/","about":["Pen\u00edze"],"wordCount":397,"articleBody":"   Hypot\u00e9ka pat\u0159\u00ed mezi nejobl\u00edben\u011bj\u0161\u00ed \u00fav\u011brov\u00e9 produkty v\u016fbec, nab\u00edz\u00ed i nejv\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky a \u00farokovou sazbu. Se st\u00e1le nar\u016fstaj\u00edc\u00edmi ceny nemovitost\u00ed a rostouc\u00ed inflac\u00ed u\u017e na n\u00ed nedos\u00e1hne ka\u017ed\u00fd, jak tomu b\u00fdvalo kdysi. \u017dadatel mus\u00ed splnit povinn\u00e9 podm\u00ednky, kter\u00e9 stanovuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, nav\u00edc i dal\u0161\u00ed intern\u00ed podm\u00ednky dan\u00e9 banky. Je proto pochopiteln\u00e9, \u017ee spousta \u017e\u00e1dost\u00ed kon\u010d\u00ed zam\u00edtnut\u00edm. Nej\u010dast\u011bji se jedn\u00e1 o \u017e\u00e1dosti tzv. rizikov\u00fdch \u017eadatel\u016f, kte\u0159\u00ed m\u011bli v minulosti probl\u00e9my se spl\u00e1cen\u00edm, pat\u0159\u00ed do n\u011bkter\u00e9 z rizikov\u00fdch skupin \u010di zkr\u00e1tka nemaj\u00ed dostate\u010dn\u00fd p\u0159\u00edjem na spl\u00e1cen\u00ed. Od toho je tu banka, aby ka\u017edou \u017e\u00e1dost individu\u00e1ln\u011b posoudila a vy\u0159kla ortel. Nesm\u00edme ale zapomenout na nebankovn\u00ed sektor, kter\u00fd je v posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed p\u0159eci jenom shov\u00edvav\u011bj\u0161\u00ed. Nebankovn\u00ed spole\u010dnosti jsou zn\u00e1m\u00e1 d\u00edky sv\u00fdm rychl\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm. Pot\u0159ebujete p\u016fj\u010dit pen\u00edze a pokud mo\u017eno ihned? \u017d\u00e1dn\u00fd probl\u00e9m, p\u0159ij\u010fte si pro n\u011b do n\u011bkter\u00e9 z nebankovn\u00edch instituc\u00ed. Pen\u00edze dostanete v\u011bt\u0161inou na ruku hned p\u0159i podpisu smlouvy. D\u00e1v\u00e1te p\u0159ednost rad\u011bji sjedn\u00e1n\u00ed online? I takovou mo\u017enost n\u011bkter\u00e9 „nebankovky“ nab\u00edz\u00ed. Dokonce se m\u016f\u017eete setkat i s tzv. kr\u00e1tkodob\u00fdmi p\u016fj\u010dkami, kdy v\u00e1m v\u011b\u0159itel poskytne men\u0161\u00ed obnos pen\u011bz jen na n\u011bkolik m\u00e1lo dn\u00ed, ale zcela bez \u00faroku. Vr\u00e1t\u00edte tedy pouze jistinu, kterou jste si p\u016fj\u010dili. No nen\u00ed to v\u00fdhodn\u00e9? Ur\u010dit\u011b ano, ale pozor! Tato p\u016fj\u010dka je v\u00fdhodn\u00e1 jenom za p\u0159edpokladu, \u017ee j\u00ed dok\u00e1\u017eete v\u010das splatit.V opa\u010dn\u00e9m p\u0159\u00edpade naskakuje nehor\u00e1zn\u00fd \u00farok a pen\u00e1le za pozdn\u00ed splacen\u00ed. To m\u016f\u017ee v kone\u010dn\u00e9m v\u00fdsledku n\u011bkolikan\u00e1sobn\u011b p\u0159ev\u00fd\u0161it p\u016fj\u010denou \u010d\u00e1stku. A nakonec tu m\u00e1me i hypot\u00e9ky, kter\u00e9 nebankovn\u00ed spole\u010dnosti tak\u00e9 nab\u00edz\u00ed. Konkr\u00e9tn\u011b se jedn\u00e1 o americkou verzi, co\u017e je ne\u00fa\u010delov\u00fd dlouhodob\u00fd \u00fav\u011br. Hypot\u00e9ka bez p\u0159\u00edjmu je ide\u00e1ln\u00ed variantou pro ty, kte\u0159\u00ed nemohou nebo necht\u011bj\u00ed dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                           5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"O hypot\u00e9ku je mo\u017en\u00e9 za\u017e\u00e1dat i bez p\u0159\u00edjmu!","item":"https:\/\/www.spira.cz\/o-hypoteku-je-mozne-zazadat-i-bez-prijmu\/#breadcrumbitem"}]}]