[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.marilin.cz\/kde-si-pujcit-kdyz-banka-vrti-hlavou\/#Article","mainEntityOfPage":"https:\/\/www.marilin.cz\/kde-si-pujcit-kdyz-banka-vrti-hlavou\/","headline":"Kde si p\u016fj\u010dit, kdy\u017e banka vrt\u00ed hlavou?","name":"Kde si p\u016fj\u010dit, kdy\u017e banka vrt\u00ed hlavou?","description":"Z\u00edskat v bance p\u016fj\u010dku nemus\u00ed b\u00fdt zrovna snadn\u00e9, existuj\u00ed-li okolnosti, kter\u00e9 se bance ohledn\u011b na\u0161\u00ed osoby nebudou zd\u00e1t. Zat\u00edmco \u00fav\u011bry v men\u0161\u00edch \u010d\u00e1stk\u00e1ch banky pomalu vnucuj\u00ed ka\u017ed\u00e9mu sv\u00e9mu klientovi, co se vy\u0161\u0161\u00edho obnosu t\u00fd\u010de, banky zav\u00edraj\u00ed dve\u0159e. Hypot\u00e9ky, \u010di velk\u00e9 p\u016fj\u010dky jsou k dost\u00e1n\u00ed jen pro ty, kdo maj\u00ed nadstandardn\u00ed p\u0159\u00edjmy, \u010dist\u00fd registr, a svatou […]","datePublished":"2022-06-30","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.marilin.cz\/author\/#Person","name":"","url":"https:\/\/www.marilin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"marilin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.marilin.cz\/wp-content\/uploads\/money-2724235_640_3.jpg","url":"https:\/\/www.marilin.cz\/wp-content\/uploads\/money-2724235_640_3.jpg","height":0,"width":0},"url":"https:\/\/www.marilin.cz\/kde-si-pujcit-kdyz-banka-vrti-hlavou\/","about":["Ekonomika"],"wordCount":428,"articleBody":"          Z\u00edskat v bance p\u016fj\u010dku nemus\u00ed b\u00fdt zrovna snadn\u00e9, existuj\u00ed-li okolnosti, kter\u00e9 se bance ohledn\u011b na\u0161\u00ed osoby nebudou zd\u00e1t. Zat\u00edmco \u00fav\u011bry v men\u0161\u00edch \u010d\u00e1stk\u00e1ch banky pomalu vnucuj\u00ed ka\u017ed\u00e9mu sv\u00e9mu klientovi, co se vy\u0161\u0161\u00edho obnosu t\u00fd\u010de, banky zav\u00edraj\u00ed dve\u0159e. Hypot\u00e9ky, \u010di velk\u00e9 p\u016fj\u010dky jsou k dost\u00e1n\u00ed jen pro ty, kdo maj\u00ed nadstandardn\u00ed p\u0159\u00edjmy, \u010dist\u00fd registr, a svatou trp\u011blivost. Pro\u010d tomu tak je? Pro banky toti\u017e plat\u00ed r\u016fzn\u00e1 pravidla, kter\u00e1 je nutno bez v\u00fdjimek dodr\u017eovat. Ten kdo pak pen\u00edze pot\u0159ebuje nejv\u00edc, na n\u011b obvykle zkr\u00e1tka nedos\u00e1hne. Co s t\u00edm?Nebankovn\u00ed spole\u010dnostiJedn\u00e1 se o st\u00e1tem schv\u00e1len\u00e9, a bankou potvrzen\u00e9 spole\u010dnosti, kter\u00e9 maj\u00ed povolen\u00ed poskytovat \u00fav\u011bry ve sv\u00e9 zemi. V\u011bt\u0161inou se pak jedn\u00e1 o nebankovn\u00ed hypot\u00e9ku Hypoteka-bez-registru v r\u016fzn\u00fdch form\u00e1ch, tedy jako \u00fav\u011br k financov\u00e1n\u00ed nemovitosti, podnikatelsk\u00fd \u00fav\u011br, \u010di bez\u00fa\u010delovou p\u016fj\u010dku. Nen\u00ed to nic neleg\u00e1ln\u00edho, a dokonce ani hazardn\u00edho. Nebankovn\u00ed spole\u010dnosti toti\u017e poskytuj\u00ed \u00fav\u011bry podobn\u011b, jako banky, av\u0161ak v jejich re\u017eii je mnohem snaz\u0161\u00ed \u00fav\u011br z\u00edskat, ale tak\u00e9 jej n\u00e1sledn\u011b spl\u00e1cet.Je to vlastn\u011b jednoduch\u00e9. Vlastn\u00edte-li nemovitost, nebankovn\u00ed spole\u010dnost v\u00e1m ochotn\u011b zap\u016fj\u010d\u00ed a\u017e 70% jej\u00ed odhadn\u00ed hodnoty, a to na dobu spl\u00e1cen\u00ed a\u017e 30 let. Chcete-li si na nemovitost p\u016fj\u010dit, mus\u00edte m\u00edt na\u0161et\u0159eno alespo\u0148 on\u011bch 30%. Mo\u017en\u00e1 v\u00e1m to nep\u0159ipad\u00e1 f\u00e9r, jeliko\u017e k z\u00edsk\u00e1n\u00ed hypot\u00e9ky v bance sta\u010d\u00ed m\u00edt na\u0161et\u0159eno 20% z ceny nemovitosti, av\u0161ak pod\u00edvejte se na to jinak. Je dost mo\u017en\u00e9, \u017ee v bance kv\u016fli nedostate\u010dn\u00fdm p\u0159\u00edjm\u016fm hypot\u00e9ku ani nez\u00edsk\u00e1te, zato zde ano. Ne \u017ee by nebankovn\u00ed spole\u010dnosti va\u0161e p\u0159\u00edjmy necht\u011bly zn\u00e1t. Nemaj\u00ed v\u0161ak natolik p\u0159\u00edsn\u00e1 pravidla, jako spole\u010dnosti bankovn\u00ed, a tak jim posta\u010d\u00ed, kdy\u017e jsou va\u0161e p\u0159\u00edjmy dosta\u010duj\u00edc\u00edm d\u016fkazem, \u017ee jste schopni sv\u00e9 pohled\u00e1vky spl\u00e1cet.\u00dav\u011br pak m\u016f\u017eete z\u00edskat velmi rychle, na rozd\u00edl od banky, kde jeho vy\u0159\u00edzen\u00ed m\u016f\u017ee trvat i v \u0159\u00e1du m\u011bs\u00edc\u016f, a nav\u00edc jsou nebankovn\u00ed spole\u010dnosti ochotny p\u0159ehl\u00e9dnout i n\u011bjak\u00fd ten z\u00e1znam v registru, jeliko\u017e v\u011bd\u00ed, \u017ee ka\u017ed\u00fd ob\u010das \u0161l\u00e1pne vedle.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde si p\u016fj\u010dit, kdy\u017e banka vrt\u00ed hlavou?","item":"https:\/\/www.marilin.cz\/kde-si-pujcit-kdyz-banka-vrti-hlavou\/#breadcrumbitem"}]}]