[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.feryl.cz\/neni-snadne-ziskat-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.feryl.cz\/neni-snadne-ziskat-hypoteku\/","headline":"Nen\u00ed snadn\u00e9 z\u00edskat hypot\u00e9ku","name":"Nen\u00ed snadn\u00e9 z\u00edskat hypot\u00e9ku","description":"V \u010cesk\u00e9 republice dlouhodob\u011b vede vlastn\u00ed bydlen\u00ed nad n\u00e1jemn\u00edm. V\u011bt\u0161ina lid\u00ed by tedy cht\u011bla bydlet ve sv\u00e9m. M\u016f\u017ee za to i probl\u00e9m sehnat kvalitn\u00ed, cenov\u011b dostupn\u00e9 n\u00e1jemn\u00ed bydlen\u00ed, kter\u00e9 m\u00e1 seri\u00f3zn\u00ed majitel. M\u00edt vlastn\u00ed st\u0159echu nad hlavou je zkr\u00e1tka jistota, kterou nic nep\u0159ekon\u00e1. Jen\u017ee kdo v dne\u0161n\u00ed dob\u011b n\u011bco nezd\u011bdil nebo nevyhr\u00e1l, m\u00e1 pom\u011brn\u011b malou&hellip; <div class=\"readmore-wrapper\"><a href=\"https:\/\/www.feryl.cz\/neni-snadne-ziskat-hypoteku\/\" class=\"more-link\">P\u0159e\u010d\u00edst <\/a><\/div>","datePublished":"2024-12-27","dateModified":"2024-12-27","author":{"@type":"Person","@id":"https:\/\/www.feryl.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.feryl.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/fb50772173929303fbe6024f179e4dd9837c71f6efc661bdb046860d442d05b5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fb50772173929303fbe6024f179e4dd9837c71f6efc661bdb046860d442d05b5?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"feryl.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.feryl.cz\/wp-content\/uploads\/money-2724245_640_10_10_10_10_10_10_10_10_10_10_10_10_3.jpg","url":"https:\/\/www.feryl.cz\/wp-content\/uploads\/money-2724245_640_10_10_10_10_10_10_10_10_10_10_10_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.feryl.cz\/neni-snadne-ziskat-hypoteku\/","about":["Ekonomika"],"wordCount":421,"articleBody":"        V \u010cesk\u00e9 republice dlouhodob\u011b vede vlastn\u00ed bydlen\u00ed nad n\u00e1jemn\u00edm. V\u011bt\u0161ina lid\u00ed by tedy cht\u011bla bydlet ve sv\u00e9m. M\u016f\u017ee za to i probl\u00e9m sehnat kvalitn\u00ed, cenov\u011b dostupn\u00e9 n\u00e1jemn\u00ed bydlen\u00ed, kter\u00e9 m\u00e1 seri\u00f3zn\u00ed majitel. M\u00edt vlastn\u00ed st\u0159echu nad hlavou je zkr\u00e1tka jistota, kterou nic nep\u0159ekon\u00e1. Jen\u017ee kdo v dne\u0161n\u00ed dob\u011b n\u011bco nezd\u011bdil nebo nevyhr\u00e1l, m\u00e1 pom\u011brn\u011b malou \u0161anci, \u017ee ve sv\u00e9m bude bydlet. Drtiv\u00e1 v\u011bt\u0161ina lid\u00ed si mus\u00ed kupovat vlastn\u00ed bydlen\u00ed pomoc\u00ed hypot\u00e9ky. Ka\u017ed\u00fd, kdo si chce po\u017e\u00e1dat o hypot\u00e9ku mus\u00ed vyplnit spoustu \u017e\u00e1dost\u00ed a formul\u00e1\u0159\u016f, a tak\u00e9 mus\u00ed po\u010d\u00edtat s t\u00edm, \u017ee bude muset dolo\u017eit ve\u0161ker\u00e9 svoje p\u0159\u00edjmy a v\u00fddaje.Lid\u00e9, kte\u0159\u00ed m\u011bli n\u011bkdy exekuce nebo byli v insolvenci maj\u00ed probl\u00e9m, proto\u017ee registr dlu\u017en\u00edk\u016f uchov\u00e1v\u00e1 informace v n\u011bm uveden\u00e9 po dobu 5 let. Teprve po t\u00e9to dob\u011b dojde k v\u00fdmazu a banka tak nezjist\u00ed \u017ee jste n\u011bkdy m\u011bli probl\u00e9my s financemi. Pokud si budete \u017e\u00e1dat d\u0159\u00edv v dob\u011b, kdy budete v registru veden\u00ed, banka v\u00e1m automaticky \u017e\u00e1dost zam\u00edtne. Zam\u00edtnut\u00e1 \u017e\u00e1dost o hypot\u00e9ku je probl\u00e9m, proto\u017ee nikdo v\u00e1m nebude \u010dekat s platbou za nemovitost, ne\u017e n\u011bkde \u00fav\u011br z\u00edsk\u00e1te. Pokud m\u00e1te probl\u00e9m s n\u00edzk\u00fdm p\u0159\u00edjmem a nem\u00e1te naspo\u0159enou \u017e\u00e1dnou sumu, m\u016f\u017eete vyu\u017e\u00edt slu\u017eby nebankovn\u00edho sektoru. Existuje toti\u017e hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu https:\/\/www.hypotekybezregistru.cz\/, u kter\u00e9 nikdo nebude \u0159e\u0161it, jak m\u00e1te velk\u00e9 p\u0159\u00edjmy a odkud poch\u00e1z\u00ed. I kdy\u017e jsou dnes \u00farokov\u00e9 sazby u hypote\u010dn\u00edch \u00fav\u011br\u016f daleko vy\u0161\u0161\u00ed ne\u017e v minul\u00fdch letech, st\u00e1le se d\u00e1 z\u00edskat \u00fav\u011br kter\u00fd nebudete p\u0159epl\u00e1cet o p\u0159\u00edli\u0161 vysok\u00e9 \u010d\u00e1stky, jako je tomu u nebankovn\u00edho sektoru. Pokud tedy hypot\u00e9ku u banky nez\u00edsk\u00e1te a chcete si vz\u00edt u nebankovn\u00ed spole\u010dnosti, budete muset po\u010d\u00edtat s vy\u0161\u0161\u00edm \u00farokem. P\u0159esto se v\u00e1m m\u016f\u017ee pod\u00e1n\u00ed \u017e\u00e1dosti o takovou hypot\u00e9ku vyplatit, proto\u017ee to m\u016f\u017ee b\u00fdt jedin\u00fd zp\u016fsob, jak z\u00edskat \u00fav\u011br na bydlen\u00ed. Spot\u0159ebitelsk\u00fd \u00fav\u011br toti\u017e v takov\u00e9 v\u00fd\u0161i neb\u00fdv\u00e1, a tak je pot\u0159eba po\u017e\u00e1dat si o hypot\u00e9ku, a\u0165 u\u017e u banky nebo jinde.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed snadn\u00e9 z\u00edskat hypot\u00e9ku","item":"https:\/\/www.feryl.cz\/neni-snadne-ziskat-hypoteku\/#breadcrumbitem"}]}]