[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sszfm.cz\/bankovni-vs-nebankovni-hypoteka-kterou-zvolit\/#Article","mainEntityOfPage":"https:\/\/www.sszfm.cz\/bankovni-vs-nebankovni-hypoteka-kterou-zvolit\/","headline":"Bankovn\u00ed vs. nebankovn\u00ed hypot\u00e9ka: Kterou zvolit?","name":"Bankovn\u00ed vs. nebankovn\u00ed hypot\u00e9ka: Kterou zvolit?","description":"Pro mnoh\u00e9 jsou banky st\u00e1le jedin\u00fdmi poskytovateli hypot\u00e9k, p\u0159itom to nen\u00ed v\u016fbec pravda. V posledn\u00edch letech je za\u010daly nab\u00edzet i nebankovn\u00ed spole\u010dnosti. Mnoho lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee nebankovn\u00ed p\u016fj\u010dky jsou st\u00e1le nev\u00fdhodn\u00e9 produkty se skryt\u00fdmi poplatky, kter\u00fdm se vyplat\u00ed vyhnout. To ale rozhodn\u011b nen\u00ed pravda! Pro spoustu lid\u00ed znamenaj\u00ed","datePublished":"2020-11-28","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.sszfm.cz\/author\/#Person","name":"","url":"https:\/\/www.sszfm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8e6cbe5510d042e6a0b15162e198f2fd22eed76a4b5a1734d2174c652daccabc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sszfm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sszfm.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_5.jpg","url":"https:\/\/www.sszfm.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.sszfm.cz\/bankovni-vs-nebankovni-hypoteka-kterou-zvolit\/","about":["Ekonomika"],"wordCount":417,"articleBody":"   Pro mnoh\u00e9 jsou banky st\u00e1le jedin\u00fdmi poskytovateli hypot\u00e9k, p\u0159itom to nen\u00ed v\u016fbec pravda. V posledn\u00edch letech je za\u010daly nab\u00edzet i nebankovn\u00ed spole\u010dnosti. Mnoho lid\u00ed se myln\u011b domn\u00edv\u00e1, \u017ee nebankovn\u00ed p\u016fj\u010dky jsou st\u00e1le nev\u00fdhodn\u00e9 produkty se skryt\u00fdmi poplatky, kter\u00fdm se vyplat\u00ed vyhnout. To ale rozhodn\u011b nen\u00ed pravda! Pro spoustu lid\u00ed znamenaj\u00ed mnohdy jedinou z\u00e1chrannou stanici, kdy\u017e p\u0159ed nimi banka zav\u0159e dve\u0159e. Nebankovn\u00ed spole\u010dnosti jsou toti\u017e mnohdy benevolentn\u011bj\u0161\u00ed a nab\u00edzej\u00ed v\u00fdhodn\u00e9 \u00fav\u011bry i lidem, kter\u00fdm banka odm\u00edtla pen\u00edze p\u016fj\u010dit.Do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace se v dne\u0161n\u00ed usp\u011bchan\u00e9 dob\u011b m\u016f\u017ee dostat ka\u017ed\u00fd a mnoz\u00ed z n\u00e1s pak \u0159e\u0161\u00ed, jak takou existen\u010dn\u00ed krizi za\u017eehnat a p\u0159ekonat. Na\u0161e prvn\u00ed cesta povede s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed do bank, kter\u00e1 by n\u00e1m m\u011bla b\u00fdt oporou v dob\u00e1ch nejt\u011b\u017e\u0161\u00edch. Jen\u017ee m\u00e1 to jeden h\u00e1\u010dek, banka p\u016fj\u010duje p\u0159ev\u00e1\u017en\u011b \u017eadatel\u016fm, kte\u0159\u00ed v \u017e\u00e1dn\u00e9 finan\u010dn\u00ed t\u00edsni nejsou. I mo\u017en\u00e1 z tohoto d\u016fvodu za\u010daly vznikat nebankovn\u00ed spole\u010dnosti, kter\u00e9 na takov\u00e9 \u017eadatel \u010dekaj\u00ed s otev\u0159enou n\u00e1ru\u010d\u00ed. Pravideln\u00fd p\u0159\u00edjemPravideln\u00fd p\u0159\u00edjem je jednou z po\u017eadavk\u016f bank na schv\u00e1len\u00ed \u00fav\u011bru. Jen\u017ee ne ka\u017ed\u00fd m\u016f\u017ee v\u00fd\u0161i aktu\u00e1ln\u00edho p\u0159\u00edjmu dolo\u017eit. Nev\u00fdhodu je i pracovn\u00ed smlouva na dobu ur\u010ditou nebo v\u00fdpov\u011bdn\u00ed lh\u016fta, i v t\u011bchto p\u0159\u00edpadech budete na kladn\u00e9 vy\u0159\u00edzen\u00ed \u010dekat jen marn\u011b. Probl\u00e9m mohou m\u00edt i osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9, jej\u00edch\u017e p\u0159\u00edjem se m\u011bs\u00edc od m\u011bs\u00edce m\u011bn\u00ed. Mo\u017en\u00fdm \u0159e\u0161en\u00edm je osv\u010d hypot\u00e9ka Fahd.cz, kterou nab\u00edz\u00ed pr\u00e1v\u011b nebankovn\u00ed spole\u010dnosti. Z\u00e1znam v registru dlu\u017en\u00edk\u016fDruh\u00fd nej\u010dast\u011bj\u0161\u00ed d\u016fvod zam\u00edtnut\u00ed \u0159ady bank. Historie va\u0161\u00ed platebn\u00ed mor\u00e1lky se pravideln\u011b ukl\u00e1d\u00e1 do nejr\u016fzn\u011bj\u0161\u00edch registr\u016f dlu\u017en\u00edk\u016f. Pokud jste se n\u011bkdy v minulosti pot\u00fdkali s nemo\u017enost\u00ed spl\u00e1cet, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bude va\u0161e jm\u00e9no v registru dlu\u017en\u00edk\u016f figurovat. Nebankovn\u00ed spole\u010dnosti jsou v\u0161ak v tomto ohledu daleko benevolentn\u011bj\u0161\u00ed a i p\u0159es negativn\u00ed z\u00e1znam mohou nakonec hypot\u00e9ku schv\u00e1lit.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed vs. nebankovn\u00ed hypot\u00e9ka: Kterou zvolit?","item":"https:\/\/www.sszfm.cz\/bankovni-vs-nebankovni-hypoteka-kterou-zvolit\/#breadcrumbitem"}]}]