[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.megas-p.cz\/co-znamena-pojem-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.megas-p.cz\/co-znamena-pojem-nebankovni-hypoteka\/","headline":"Co znamen\u00e1 pojem nebankovn\u00ed hypot\u00e9ka","name":"Co znamen\u00e1 pojem nebankovn\u00ed hypot\u00e9ka","description":"Faktem je, \u017ee ceny nemovitost\u00ed jsou velmi vysok\u00e9. U dom\u016f se pohybuje v \u0159\u00e1dech milion\u016f. Je tedy samoz\u0159ejm\u00e9, \u017ee v\u011bt\u0161ina obyvatel na\u0161\u00ed republiky takov\u00e9 pen\u00edze…","datePublished":"2019-10-18","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.megas-p.cz\/author\/#Person","name":"","url":"https:\/\/www.megas-p.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/56990d361a15c60249588fcd5c65556d1c39f993ac5e20b5abce42fd817b46e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"megas-p.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.megas-p.cz\/wp-content\/uploads\/img_a367082_w2023_t1579505244.jpg","url":"https:\/\/www.megas-p.cz\/wp-content\/uploads\/img_a367082_w2023_t1579505244.jpg","height":0,"width":0},"url":"https:\/\/www.megas-p.cz\/co-znamena-pojem-nebankovni-hypoteka\/","about":["Www"],"wordCount":446,"articleBody":"          Faktem je, \u017ee ceny nemovitost\u00ed jsou velmi vysok\u00e9. U dom\u016f se pohybuje v \u0159\u00e1dech milion\u016f. Je tedy samoz\u0159ejm\u00e9, \u017ee v\u011bt\u0161ina obyvatel na\u0161\u00ed republiky takov\u00e9 pen\u00edze k dispozici nem\u00e1. Alespo\u0148 ne bez dlouh\u00e9ho \u0161et\u0159en\u00ed. P\u0159esto zvl\u00e1\u0161t\u011b mlad\u00ed lid\u00e9 cht\u011bj\u00ed m\u00edt sv\u016fj vlastn\u00ed domov. I to je d\u016fvod, pro\u010d se lid\u00e9 tak \u010dasto uchyluj\u00ed k hypot\u00e9ce. Bohu\u017eel m\u00e1lokdo u\u017e si dovede spo\u010d\u00edtat to, \u017ee bude n\u00e1sledn\u011b po mo\u017en\u00e1 i n\u011bkolik des\u00edtek let dohodnutou \u010d\u00e1stku spl\u00e1cet. Nav\u00edc, pokud p\u0159ipo\u010d\u00edt\u00e1me i \u00faroky a dal\u0161\u00ed poplatky, zjist\u00edme, \u017ee jsme na mnohem vy\u0161\u0161\u00ed \u010d\u00e1stce, ne\u017e je ta, kterou jsme p\u016fvodn\u011b dostali. Hypot\u00e9k je samoz\u0159ejm\u011b v\u00edce typ\u016f, p\u0159edev\u0161\u00edm v z\u00e1vislosti na tom, kdo ji poskytuje. Z\u00e1kladn\u00edmi typy jsou bankovn\u00ed a nebankovn\u00ed hypot\u00e9ka. Ten druh\u00fd typ je v na\u0161\u00ed zemi mnohem popul\u00e1rn\u011bj\u0161\u00ed, p\u0159edev\u0161\u00edm d\u00edky sv\u00e9 vysok\u00e9 dostupnosti. O co se tedy jedn\u00e1? V p\u0159\u00edpad\u011b nebankovn\u00ed hypot\u00e9ky jde o poskytnut\u00ed p\u016fj\u010dky na bydlen\u00ed (a\u0165 u\u017e jde o koupi \u010di p\u0159estavbu) nebankovn\u00edm subjektem, tedy v nej\u010dast\u011bj\u0161\u00edm p\u0159\u00edpad\u011b finan\u010dn\u00ed spole\u010dnost\u00ed. Tyto firmy samoz\u0159ejm\u011b operuj\u00ed na jin\u00e9m principu ne\u017e klasick\u00e1 banka. Jejich hlavn\u00edm \u00fakolem nen\u00ed schra\u0148ovat a mno\u017eit pen\u00edze klient\u016f, n\u00fdbr\u017e se specializuj\u00ed p\u0159edev\u0161\u00edm na nejr\u016fzn\u011bj\u0161\u00ed formy poskytov\u00e1n\u00ed p\u016fj\u010dek. A hypot\u00e9ky jsou jednou z nich. Samoz\u0159ejm\u011b se m\u016f\u017eeme pt\u00e1t, jak v takov\u00e9m p\u0159\u00edpad\u011b dosahuj\u00ed zisku. Odpov\u011b\u010f je vcelku jednoduch\u00e1. K tomu, aby vyd\u011blaly pen\u00edze, pou\u017e\u00edvaj\u00ed tyto spole\u010dnosti p\u0159edev\u0161\u00edm \u00faroky a nejr\u016fzn\u011bj\u0161\u00ed poplatky. Ty zna\u010dn\u011b navy\u0161uj\u00ed \u010d\u00e1stku, kterou mus\u00ed klient nakonec zaplatit, a to v n\u011bkter\u00fdch p\u0159\u00edpadech a\u017e dvojn\u00e1sobn\u011b.  Na druhou stranu je v\u0161ak fakt, \u017ee na rozd\u00edl od bank poskytnou nebankovn\u00ed spole\u010dnosti pen\u00edze mnohem \u0161ir\u0161\u00ed vrstv\u011b lid\u00ed. I proto pat\u0159\u00ed dnes mezi ty nejpopul\u00e1rn\u011bj\u0161\u00ed zp\u016fsoby financov\u00e1n\u00ed bydlen\u00ed. Je v\u0161ak nutn\u00e9 poznamenat, \u017ee se tak d\u011bje za cenu pom\u011brn\u011b velk\u00e9ho rizika pro klienta. Jeliko\u017e toti\u017e jejich z\u00e1kazn\u00edci poch\u00e1zej\u00ed p\u0159edev\u0161\u00edm z chud\u0161\u00edch vrstev, mus\u00ed si zajistit, aby sv\u00e9 p\u016fj\u010den\u00e9 pen\u00edze dostali zp\u00e1tky. K tomu samoz\u0159ejm\u011b maj\u00ed n\u011bkolik dostupn\u00fdch prost\u0159edk\u016f. V\u0161e se v\u0161ak d\u011bje v souladu se z\u00e1konem. A je jen na z\u00e1kazn\u00edkovi, zda na tuto nab\u00eddku p\u0159istoup\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co znamen\u00e1 pojem nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.megas-p.cz\/co-znamena-pojem-nebankovni-hypoteka\/#breadcrumbitem"}]}]