[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ne-ko.cz\/mam-sanci-ziskat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.ne-ko.cz\/mam-sanci-ziskat-hypoteku\/","headline":"M\u00e1m \u0161anci z\u00edskat hypot\u00e9ku?","name":"M\u00e1m \u0161anci z\u00edskat hypot\u00e9ku?","description":"Hypote\u010dn\u00ed \u00fav\u011br je pro mili\u00f3ny lid\u00ed jedin\u00fdm mo\u017en\u00fdm prost\u0159edkem, jak z\u00edskat vytou\u017eenou nemovitost. St\u00e1le spousta lid\u00ed chce vlastnit svou vlastn\u00ed...","datePublished":"2022-08-20","dateModified":"2022-08-20","author":{"@type":"Person","@id":"https:\/\/www.ne-ko.cz\/author\/#Person","name":"","url":"https:\/\/www.ne-ko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ne-ko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ne-ko.cz\/wp-content\/uploads\/pexels-rodnae-productions-8293778_1.jpg","url":"https:\/\/www.ne-ko.cz\/wp-content\/uploads\/pexels-rodnae-productions-8293778_1.jpg","height":0,"width":0},"url":"https:\/\/www.ne-ko.cz\/mam-sanci-ziskat-hypoteku\/","wordCount":419,"articleBody":"      Hypote\u010dn\u00ed \u00fav\u011br je pro mili\u00f3ny lid\u00ed jedin\u00fdm mo\u017en\u00fdm prost\u0159edkem, jak z\u00edskat vytou\u017eenou nemovitost. St\u00e1le spousta lid\u00ed chce vlastnit svou vlastn\u00ed nemovitost, i kdy\u017e vzhledem k nep\u0159\u00edzniv\u00e9 situaci se \u010d\u00edm d\u00e1l t\u00edm v\u00edce lid\u00ed smi\u0159uje s t\u00edm, \u017ee mo\u017en\u00e1 z\u016fstanou v n\u00e1jmu del\u0161\u00ed dobu, ne\u017e si p\u016fvodn\u011b pl\u00e1novali. N\u00e1roky kladen\u00e9 na klienty bank ohledn\u011b \u017e\u00e1dost\u00ed o hypot\u00e9ku jsou \u010d\u00edm d\u00e1l v\u011bt\u0161\u00ed a spl\u0148uje je \u010d\u00edm d\u00e1l t\u00edm m\u00e9n\u011b lid\u00ed.Proto si \u010d\u00edm d\u00e1l t\u00edm v\u00edce lid\u00ed pokl\u00e1d\u00e1 onu nep\u0159\u00edjemnou ot\u00e1zku – dos\u00e1hnu na hypot\u00e9ku?M\u016f\u017eete proti tomu n\u011bjak bojovat? Vlastn\u011b m\u00e1te na v\u00fdb\u011br n\u011bkolik mo\u017enost\u00ed. Prvn\u00ed je, \u017ee se pokus\u00edte dost\u00e1t n\u00e1rok\u016fm, kter\u00e9 na v\u00e1s banka klade a z\u00edskat tak hypot\u00e9ku. K po\u017eadavk\u016fm, kter\u00e9 si banka stanovuje pat\u0159\u00ed samoz\u0159ejm\u011b dostate\u010dn\u00fd p\u0159\u00edjem. Banka dle dolo\u017een\u00ed va\u0161ich p\u0159\u00edjm\u016f rozhodne, zda z dosavadn\u00edch p\u0159\u00edjm\u016f m\u00e1te \u0161anci bez probl\u00e9mu platit stanoven\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky \u010di nikoliv. Pokud nem\u00e1te tak velk\u00fd p\u0159\u00edjem, nemus\u00ed to hned znamenat, \u017ee v\u00e1m \u017e\u00e1dost zam\u00edtnou ale nenab\u00eddnou v\u00e1m t\u0159eba hypote\u010dn\u00ed \u00fav\u011br v pln\u00e9 v\u00fd\u0161i. Mezi dal\u0161\u00ed podm\u00ednky pat\u0159\u00ed t\u0159eba to, abyste jako \u017eadatel nebyl v registru dlu\u017en\u00edk\u016f nebo nem\u011bl kr\u00e1tce (t\u0159eba 1 rok) po skon\u010den\u00ed insolvence. V takov\u00fdch p\u0159\u00edpadech je t\u00e9m\u011b\u0159 stoprocentn\u00ed, \u017ee va\u0161i \u017e\u00e1dost zam\u00edtnou.Dal\u0161\u00ed mo\u017enost\u00ed je jednodu\u0161e po\u010dkat. Dne\u0161n\u00ed doba je opravdu velmi specifick\u00e1 t\u00edm, jak se pohybuje ekonomick\u00fd trh vlivem pandemie covidu-19, kter\u00e1 v uplynul\u00fdch letech po\u0159\u00e1dn\u011b zas\u00e1hla celou ekonomiku, a tak\u00e9 moment\u00e1ln\u00ed v\u00e1lkou mezi Ukrajinou a Ruskem. M\u016f\u017eeme ale snad doufat, \u017ee se do budoucna situace zlep\u0161\u00ed.T\u0159et\u00ed variantou pro v\u00e1s m\u016f\u017ee b\u00fdt z\u00edsk\u00e1n\u00ed hypot\u00e9ky od nebankovn\u00ed spole\u010dnosti. U\u017e d\u00e1vno neplat\u00ed, \u017ee v\u00e1m nebankovn\u00ed spole\u010dnosti nab\u00eddnou nesmysln\u00e9 \u00faroky a sna\u017e\u00ed se v\u00e1s v podstat\u011b okr\u00e1st. Dnes je na trhu velk\u00e9 mno\u017estv\u00ed solidn\u00edch nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 v\u00e1m opravdu mohou d\u00e1t \u0161anci z\u00edskat hypot\u00e9ku, pokud jste neusp\u011bli u va\u0161\u00ed nebo i n\u011bjak\u00e9 jin\u00e9 banky.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1m \u0161anci z\u00edskat hypot\u00e9ku?","item":"https:\/\/www.ne-ko.cz\/mam-sanci-ziskat-hypoteku\/#breadcrumbitem"}]}]