[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.senub.cz\/dosahnete-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.senub.cz\/dosahnete-na-hypoteku\/","headline":"Dos\u00e1hnete na hypot\u00e9ku?","name":"Dos\u00e1hnete na hypot\u00e9ku?","description":"Spousta lid\u00ed pokl\u00e1d\u00e1 sama sob\u011b ot\u00e1zku, zda maj\u00ed mo\u017enost dos\u00e1hnout na hypot\u00e9ku. Nen\u00ed divu, \u017ee z toho m\u00e1te obavy. Jeliko\u017e spousta lid\u00ed v dne\u0161n\u00ed dob\u011b neprojde \u00fazk\u00fdm s\u00edtem, kter\u00e9 si","datePublished":"2023-05-29","dateModified":"2024-02-01","author":{"@type":"Person","@id":"https:\/\/www.senub.cz\/author\/#Person","name":"","url":"https:\/\/www.senub.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"senub.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.senub.cz\/wp-content\/uploads\/alexander-grey-8lnbXtxFGZw-unsplash.jpg","url":"https:\/\/www.senub.cz\/wp-content\/uploads\/alexander-grey-8lnbXtxFGZw-unsplash.jpg","height":0,"width":0},"url":"https:\/\/www.senub.cz\/dosahnete-na-hypoteku\/","about":["Bydlen\u00ed"],"wordCount":417,"articleBody":"   Spousta lid\u00ed pokl\u00e1d\u00e1 sama sob\u011b ot\u00e1zku, zda maj\u00ed mo\u017enost dos\u00e1hnout na hypot\u00e9ku. Nen\u00ed divu, \u017ee z toho m\u00e1te obavy. Jeliko\u017e spousta lid\u00ed v dne\u0161n\u00ed dob\u011b neprojde \u00fazk\u00fdm s\u00edtem, kter\u00e9 si banky nastavili pro z\u00e1jemce o sv\u00e9 produkty. Oproti d\u0159\u00edv\u011bj\u0161\u00edm dob\u00e1m se podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky o hodn\u011b zp\u0159\u00edsnili.Po\u0159\u00e1d samoz\u0159ejm\u011b plat\u00ed, \u017ee v\u00e1m mus\u00ed b\u00fdt v\u00edce ne\u017e 18 let. D\u00e1le mus\u00edte m\u00edt dostate\u010dn\u00fd p\u0159\u00edjem. To b\u00fdv\u00e1 v mnoha p\u0159\u00edpadech kamenem \u00farazu. Banky posuzuj\u00ed va\u0161e p\u0159\u00edjmy velmi p\u0159\u00edsn\u011b. Cht\u011bj\u00ed m\u00edt jistotu, \u017ee budete schopni hypot\u00e9ku v pohod\u011b spl\u00e1cet. Pokud nepracujete na hlavn\u00ed pracovn\u00ed pom\u011br nebo nem\u00e1te smlouvu na dobu neur\u010ditou, v drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f v\u00e1m \u017e\u00e1dost zam\u00edtnou. Jin\u00fd p\u0159\u00edpad samoz\u0159ejm\u011b je, pokud doty\u010dn\u00fd pracuje jako OSV\u010c. Pokud m\u00e1te n\u011bjak\u00e9 z\u00e1vazky v podob\u011b dluh\u016f, m\u016f\u017eete si b\u00fdt tak\u00e9 jist\u00ed, \u017ee s t\u00edm bude m\u00edt banka probl\u00e9m. Stejn\u011b tak, pokud jste v minulosti nezvl\u00e1dli spl\u00e1cet n\u011bjak\u00fd dluh v\u010das a v\u0161e jm\u00e9no nyn\u00ed figuruje v registru dlu\u017en\u00edk\u016f. V takov\u00e9m p\u0159\u00edpad\u011b v\u00e1m bude \u017e\u00e1dost zam\u00edtnut\u00e1 s t\u00e9m\u011b\u0159 stoprocentn\u00ed jistotou. Nejin\u00fd p\u0159\u00edpad je, pokud jste p\u00e1r let po skon\u010den\u00ed insolvence. Po dobu p\u011bti let st\u00e1le va\u0161e jm\u00e9no figuruje v registru a banky v\u00e1m v takov\u00e9m p\u0159\u00edpad\u011b hypot\u00e9ku neschv\u00e1l\u00ed.Co v takov\u00e9m p\u0159\u00edpad\u011b? M\u016f\u017eete si zkusit za\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku.Je hodn\u011b lid\u00ed, kte\u0159\u00ed se nebankovn\u00edm spole\u010dnostem sna\u017e\u00ed sp\u00ed\u0161e vyh\u00fdbat. Maj\u00ed je toti\u017e spojen\u00e9 s nekal\u00fdmi praktikami, vysok\u00fdmi \u00faroky a nev\u00fdhodn\u00fdmi podm\u00ednkami. Ale ty doby u\u017e jsou d\u00e1vno pry\u010d. V dne\u0161n\u00ed dob\u011b je tolik nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 nab\u00edz\u00ed financov\u00e1n\u00ed, \u017ee mezi nimi vznikla velk\u00e1 konkurence. T\u00edm p\u00e1dem se mus\u00ed p\u0159edh\u00e1n\u011bt v tom, kdo nab\u00eddne sv\u00fdm klient\u016fm v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky, aby m\u011bli dostate\u010dnou klientelu. Pokud budete dob\u0159e hledat, m\u016f\u017eete tedy i u nebankovn\u00ed spole\u010dnosti naj\u00edt tak dobr\u00e9 podm\u00ednky, jako u bankovn\u00ed spole\u010dnosti. Jenom se toho nesm\u00edte b\u00e1t a j\u00edt do toho.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dos\u00e1hnete na hypot\u00e9ku?","item":"https:\/\/www.senub.cz\/dosahnete-na-hypoteku\/#breadcrumbitem"}]}]