[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kushitani.cz\/proc-prave-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.kushitani.cz\/proc-prave-nebankovni-hypoteka\/","headline":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ka?","name":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ka?","description":"K tomu, aby se \u010dlov\u011bk ocitl v nouzi i dost mo\u017en\u00e1 nejvy\u0161\u0161\u00ed, sta\u010d\u00ed \u010dastokr\u00e1t jenom \u00fapln\u011b m\u00e1lo. A zat\u00edmco do takov\u00e9 situace se d\u00e1 dost hrav\u011b, vyhrabat se z n\u00ed je o pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed. A to jednodu\u0161e proto, \u017ee dokud m\u00e1 takov\u00fd \u010dlov\u011bk pen\u00edze, je pro v\u0161echny zaj\u00edmav\u00fd, ale jakmile se ocitne v m\u00ednusu nebo […]","datePublished":"2019-09-11","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.kushitani.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.kushitani.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kushitani.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kushitani.cz\/wp-content\/uploads\/img_a351298_w1916_t1565986859.jpg","url":"https:\/\/www.kushitani.cz\/wp-content\/uploads\/img_a351298_w1916_t1565986859.jpg","height":0,"width":0},"url":"https:\/\/www.kushitani.cz\/proc-prave-nebankovni-hypoteka\/","about":["Internet"],"wordCount":526,"articleBody":"      K tomu, aby se \u010dlov\u011bk ocitl v nouzi i dost mo\u017en\u00e1 nejvy\u0161\u0161\u00ed, sta\u010d\u00ed \u010dastokr\u00e1t jenom \u00fapln\u011b m\u00e1lo. A zat\u00edmco do takov\u00e9 situace se d\u00e1 dost hrav\u011b, vyhrabat se z n\u00ed je o pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed. A to jednodu\u0161e proto, \u017ee dokud m\u00e1 takov\u00fd \u010dlov\u011bk pen\u00edze, je pro v\u0161echny zaj\u00edmav\u00fd, ale jakmile se ocitne v m\u00ednusu nebo alespo\u0148 na nule, za\u010dnou od n\u011bho d\u00e1vat v\u0161ichni ruce pry\u010d. Tak\u017ee kdy\u017e je tento na nule nebo v jej\u00edm bl\u00edzk\u00e9m okol\u00ed a nem\u00e1 nad\u011bji se z toho s\u00e1m dostat, proto\u017ee ani jeho p\u0159\u00edjmy nejsou nikterak z\u00e1vratn\u00e9 a osud dost mo\u017en\u00e1 zpe\u010de\u0165uje i n\u011bjak\u00fd ten z\u00e1znam v registrech dlu\u017en\u00edk\u016f, ztr\u00e1c\u00ed ve\u0161kerou atraktivitu pro banky a jim podobn\u00e9 veleopatrn\u00e9 poskytovatele p\u016fj\u010dek. Nem\u00e1 smysl se na n\u011b ani obracet, proto\u017ee v\u00fdsledek p\u0159\u00edpadn\u00e9 \u017e\u00e1dosti o p\u016fj\u010dku u nich je v takov\u00e9m p\u0159\u00edpad\u011b p\u0159edem zn\u00e1m\u00fd a nepot\u011b\u0161uj\u00edc\u00ed. Zat\u00edmco nebankovn\u00ed spole\u010dnosti, to je n\u011bco jin\u00e9ho. Ty se pokou\u0161ej\u00ed dohodnout s klientem takov\u00e9 podm\u00ednky, je\u017e by byly akceptovateln\u00e9 pro ob\u011b strany, jsou tedy, co se n\u00e1rok\u016f t\u00fdk\u00e1, skromn\u011bj\u0161\u00ed a ochotn\u011bj\u0161\u00ed akceptovat i to, co by banka sotva n\u011bkdy p\u0159ipustila. Kdy\u017e se pak \u017eadatel na nebankovn\u00ed spole\u010dnost obr\u00e1t\u00ed, zjist\u00ed dost mo\u017en\u00e1 i s p\u0159ekvapen\u00edm, \u017ee tu nikomu nevad\u00ed dokonce ani docela mal\u00e9 p\u0159\u00edjmy, je\u017e m\u016f\u017ee dolo\u017eit, ba \u017ee ho neode\u017eenou ode dve\u0159\u00ed ani tehdy, kdy\u017e spat\u0159\u00ed sv\u011btlo sv\u011bta n\u011bjak\u00fd ten ban\u00e1ln\u011bj\u0161\u00ed z\u00e1znam v registrech dlu\u017en\u00edk\u016f. Proto\u017ee co se p\u0159\u00edjm\u016f t\u00fdk\u00e1, vyhov\u00ed i ten, kdo je z toho, co m\u016f\u017ee dolo\u017eit, schopen spl\u00e1cet aspo\u0148 nezbytn\u00e9 minimum, a n\u011bjak\u00fd z\u00e1znam v registrech, kter\u00fd je u\u017e d\u00e1vno vy\u0159e\u0161en\u00fd a bezv\u00fdznamn\u00fd, se tak\u00e9 nemus\u00ed st\u00e1t kamenem \u00farazu, lze nad n\u00edm p\u0159imhou\u0159it oko. A \u010dlov\u011bk si tu tak m\u016f\u017ee za\u017e\u00e1dat t\u0159eba o n\u011bco jako hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. To ov\u0161em pochopiteln\u011b pouze za p\u0159edpokladu, \u017ee \u2013 jak u\u017e tomu u hypot\u00e9k je \u2013 m\u016f\u017ee d\u00e1t do z\u00e1stavy n\u011bjakou nemovitost. Za ni\u017e mu m\u016f\u017ee b\u00fdt poskytnuta p\u016fj\u010dka a\u017e do v\u00fd\u0161e sedmdes\u00e1ti procent jej\u00ed odhadn\u00ed ceny. A to m\u016f\u017ee b\u00fdt i docela dost. Sta\u010d\u00ed p\u0159es po\u010d\u00edta\u010d podat \u017e\u00e1dost, v\u0161e dohodnout se z\u00e1stupcem spole\u010dnosti, podepsat smlouvu a pen\u00edze jsou z\u00e1hy na \u017eadatelov\u011b \u00fa\u010dtu. A on si jich m\u016f\u017ee u\u017e\u00edvat podle sv\u00e9ho. Jen je mus\u00ed nakonec zase v po\u0159\u00e1dku vr\u00e1tit. Ale to by nem\u011bl b\u00fdt probl\u00e9m pr\u00e1v\u011b proto, \u017ee mu tu u\u0161ij\u00ed p\u016fj\u010dku p\u0159esn\u011b na m\u00edru. Tak, aby s n\u00ed nem\u011bl pot\u00ed\u017ee. A ty takto rozumn\u00fd \u010dlov\u011bk nem\u00edv\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ka?","item":"https:\/\/www.kushitani.cz\/proc-prave-nebankovni-hypoteka\/#breadcrumbitem"}]}]