[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bknt.cz\/jaka-uskali-skryvaji-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.bknt.cz\/jaka-uskali-skryvaji-nebankovni-hypoteky\/","headline":"Jak\u00e1 \u00faskal\u00ed skr\u00fdvaj\u00ed nebankovn\u00ed hypot\u00e9ky","name":"Jak\u00e1 \u00faskal\u00ed skr\u00fdvaj\u00ed nebankovn\u00ed hypot\u00e9ky","description":"Ka\u017ed\u00fd, kdo sn\u00ed o vlastn\u00edm bydlen\u00ed, si mus\u00ed polo\u017eit jednu ot\u00e1zku: za co si vysn\u011bn\u00fd d\u016fm nebo byt koup\u00edm? P\u0159iznejme si, \u017ee v\u011bt\u0161ina z n\u00e1s zkr\u00e1tka nem\u00e1 na\u0161et\u0159eno dostatek pen\u011bz na to, aby si mohla bez probl\u00e9mu koupit nemovitost. V tomto p\u0159\u00edpad\u011b b\u00fdvaj\u00ed \u0159e\u0161en\u00edm hypot\u00e9ky. O co se jedn\u00e1? Jde o \u00fa\u010delovou p\u016fj\u010dku slou\u017e\u00edc\u00ed pr\u00e1v\u011b...","datePublished":"2019-10-27","dateModified":"2019-10-27","author":{"@type":"Person","@id":"https:\/\/www.bknt.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.bknt.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c607f8cdeb628e1fda71e81e0cbb10854858a188adc366641de57f1cadca520c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bknt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bknt.cz\/wp-content\/uploads\/img_a368003_w2056_t1580378179.jpg","url":"https:\/\/www.bknt.cz\/wp-content\/uploads\/img_a368003_w2056_t1580378179.jpg","height":0,"width":0},"url":"https:\/\/www.bknt.cz\/jaka-uskali-skryvaji-nebankovni-hypoteky\/","about":["Internet"],"wordCount":584,"articleBody":"   Ka\u017ed\u00fd, kdo sn\u00ed o vlastn\u00edm bydlen\u00ed, si mus\u00ed polo\u017eit jednu ot\u00e1zku: za co si vysn\u011bn\u00fd d\u016fm nebo byt koup\u00edm? P\u0159iznejme si, \u017ee v\u011bt\u0161ina z n\u00e1s zkr\u00e1tka nem\u00e1 na\u0161et\u0159eno dostatek pen\u011bz na to, aby si mohla bez probl\u00e9mu koupit nemovitost. V tomto p\u0159\u00edpad\u011b b\u00fdvaj\u00ed \u0159e\u0161en\u00edm hypot\u00e9ky. O co se jedn\u00e1? Jde o \u00fa\u010delovou p\u016fj\u010dku slou\u017e\u00edc\u00ed pr\u00e1v\u011b k financov\u00e1n\u00ed nemovitosti. M\u016f\u017ee j\u00edt o koupi domu nebo bytu, o rekonstrukci, nebo dokonce o postaven\u00ed nov\u00e9ho domu na n\u011bjak\u00e9m pozemku. Z toho vypl\u00fdv\u00e1, \u017ee se jedn\u00e1 o zna\u010dnou sumu pen\u011bz. A to samoz\u0159ejm\u011b znamen\u00e1, \u017ee dlu\u017en\u00edk bude spl\u00e1cet pom\u011brn\u011b dlouhou dobu, mnohdy i v\u00edce ne\u017e deset let. Abychom se vyhnuli pot\u00ed\u017e\u00edm, je t\u0159eba ji\u017e dop\u0159edu uv\u00e1\u017eit, zda se m\u016f\u017eeme skute\u010dn\u011b zav\u00e1zat k tomu, \u017ee budeme danou \u010d\u00e1stku platit po tak dlouhou dobu. Rozhodn\u011b nen\u00ed na \u0161kodu si sednout s tu\u017ekou a pap\u00edrem a se\u010d\u00edst ve\u0161ker\u00e9 p\u0159\u00edjmy a v\u00fddaje. Ty rad\u011bji pon\u011bkud nadhodno\u0165te a nezapome\u0148te po\u010d\u00edtat i s rezervou na mimo\u0159\u00e1dn\u00e9 v\u00fddaje a pro p\u0159\u00edpad nouze. Nezapome\u0148te tak\u00e9, \u017ee budete spl\u00e1cet n\u011bkolik let, co\u017e znamen\u00e1 i o V\u00e1noce. Budete m\u00edt st\u00e1le dost pen\u011bz na d\u00e1rky? Pokud jste si jisti, \u017ee pro v\u00e1s hypot\u00e9ka nebude p\u0159\u00edli\u0161nou z\u00e1t\u011b\u017e\u00ed, je pot\u0159eba vybrat tu spr\u00e1vnou spole\u010dnost. M\u016f\u017eete se obr\u00e1tit na banku, nebo pokud v\u00e1m to z n\u011bjak\u00e9ho d\u016fvodu nevyhovuje, na nebankovn\u00ed spole\u010dnost. Je v\u0161ak samoz\u0159ejm\u00e9, \u017ee je to v\u0161e spojeno s ur\u010dit\u00fdmi riziky. Jak\u00e1 jsou ta nejv\u011bt\u0161\u00ed? Prvn\u00ed z nich je ztr\u00e1ta p\u0159\u00edjmu, a\u0165 u\u017e v d\u016fsledku ztr\u00e1ty zam\u011bstn\u00e1n\u00ed nebo dlouhodob\u00e9 nemoci. Banky v\u011bt\u0161inou nab\u00edzej\u00ed pro tyto p\u0159\u00edpady poji\u0161t\u011bn\u00ed, u nebankovn\u00ed hypot\u00e9ky americka-nebankovni-hypoteka.cz tomu tak zpravidla neb\u00fdv\u00e1. Je tedy t\u0159eba m\u00edt se na pozoru a m\u00edt p\u0159ipraven pl\u00e1n pro tyto p\u0159\u00edpady. Zde tak\u00e9 do hry vstupuje ona dlouhodobost spl\u00e1cen\u00ed. Je sice mo\u017en\u00e9, \u017ee nyn\u00ed m\u00e1te stabiln\u00ed zam\u011bstn\u00e1n\u00ed, ale co za p\u011bt let? Pokud m\u00e1te d\u011bti, co a\u017e p\u016fjdou na st\u0159edn\u00ed nebo vysokou \u0161kolu? Budete schopni pokr\u00fdt i v\u0161echny v\u00fddaje spojen\u00e9 nap\u0159\u00edklad s doj\u00ed\u017ed\u011bn\u00edm? Ov\u0161em toto nen\u00ed jedin\u00e1 v\u011bc, na kterou je t\u0159eba si d\u00e1t pozor. Je tak\u00e9 nutn\u00e9 pozorn\u011b p\u0159ed podpisem p\u0159e\u010d\u00edst smlouvu a zam\u011b\u0159it se p\u0159edev\u0161\u00edm na ro\u010dn\u00ed procentn\u00ed \u00farokovou sazbu RSPN, stejn\u011b jako na klasick\u00fd \u00farok, kter\u00fd budete platit, a nav\u00edc r\u016fzn\u00e9 poplatky. Je dobr\u00e9 si op\u011bt v klidu sednout a spo\u010d\u00edtat si, kolik tedy nakonec zaplat\u00edte. Mo\u017en\u00e1 budete p\u0159ekvapeni, o kolik to p\u0159evy\u0161uje \u010d\u00e1stku, kterou v\u00e1m spole\u010dnost p\u016fj\u010dila. Jak je vid\u011bt, i zde se vyplat\u00ed zachov\u00e1vat chladnou hlavu a p\u0159edev\u0161\u00edm nepostupovat ukvapen\u011b. Je d\u016fle\u017eit\u00e9 si nejprve v\u0161e v klidu promyslet a a\u017e pot\u00e9 u\u010dinit rozhodnut\u00ed. M\u011bjte na pam\u011bti, \u017ee ovlivn\u00ed v\u00e1\u0161 \u017eivot na n\u011bkolik dal\u0161\u00edch let.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 \u00faskal\u00ed skr\u00fdvaj\u00ed nebankovn\u00ed hypot\u00e9ky","item":"https:\/\/www.bknt.cz\/jaka-uskali-skryvaji-nebankovni-hypoteky\/#breadcrumbitem"}]}]