[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.inkano.cz\/nebankovni-hypoteka-a-uver\/#Article","mainEntityOfPage":"https:\/\/www.inkano.cz\/nebankovni-hypoteka-a-uver\/","headline":"Nebankovn\u00ed hypot\u00e9ka a \u00fav\u011br","name":"Nebankovn\u00ed hypot\u00e9ka a \u00fav\u011br","description":"O nebankovn\u00edch p\u016fj\u010dk\u00e1ch a \u00fav\u011brech se za\u010dalo nejv\u00edce mluvit a\u017e v posledn\u00edch p\u00e1r letech. Do novely z\u00e1kona v roce 2016 to moc nest\u00e1lo za \u0159e\u010d,<span class=\"more-button\"><a href=\"https:\/\/www.inkano.cz\/nebankovni-hypoteka-a-uver\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\">Nebankovn\u00ed hypot\u00e9ka a \u00fav\u011br<\/span><\/a><\/a>","datePublished":"2020-07-17","dateModified":"2023-06-06","author":{"@type":"Person","@id":"https:\/\/www.inkano.cz\/author\/#Person","name":"","url":"https:\/\/www.inkano.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"inkano.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.inkano.cz\/wp-content\/uploads\/U%C5%A1et%C5%99ete%20za%20bydlen%C3%AD_2.jpg","url":"https:\/\/www.inkano.cz\/wp-content\/uploads\/U%C5%A1et%C5%99ete%20za%20bydlen%C3%AD_2.jpg","height":0,"width":0},"url":"https:\/\/www.inkano.cz\/nebankovni-hypoteka-a-uver\/","about":["Internet"],"wordCount":459,"articleBody":"      O nebankovn\u00edch p\u016fj\u010dk\u00e1ch a \u00fav\u011brech se za\u010dalo nejv\u00edce mluvit a\u017e v posledn\u00edch p\u00e1r letech. Do novely z\u00e1kona v roce 2016 to moc nest\u00e1lo za \u0159e\u010d, proto\u017ee si ka\u017ed\u00fd myslel, \u017ee jde o lichv\u00e1\u0159e a mnoho spole\u010dnost\u00ed tak\u00e9 bylo naklon\u011bn\u00fdch t\u011bmto ne\u010desk\u00fdm praktik\u00e1m. Cht\u011bli za poskytnut\u00ed p\u016fj\u010dky v\u00edce, ne\u017e by m\u011bli \u017e\u00e1dat podle z\u00e1kona, proto vy\u0161la novela a od t\u00e9 doby se hodn\u011b zm\u011bnilo. Ty nebankovn\u00ed spole\u010dnosti, kter\u00e9 z\u016fstaly na trhu, si vydobyly sv\u00e9 postaven\u00ed na slunci, proto\u017ee poskytuj\u00ed pouze prov\u011b\u0159en\u00e9 a profesion\u00e1ln\u00ed p\u016fj\u010dky a \u00fav\u011bry. Jedn\u00e1 se sice o soukrom\u00e9 spole\u010dnosti, ale v dne\u0161n\u00ed dob\u011b nemus\u00edte m\u00edt strach, kdy\u017e si pr\u00e1v\u011b u nich chcete p\u016fj\u010dit pen\u00edze.Jak je to tedy s nebankovn\u00edmi p\u016fj\u010dkami a \u00fav\u011bry?Nebankovn\u00ed hypot\u00e9ka je samoz\u0159ejm\u011b \u00fav\u011br od soukrom\u00e9 spole\u010dnosti s ur\u010dit\u00fdmi podm\u00ednkami. Samoz\u0159ejm\u011b jako u ka\u017ed\u00e9 oby\u010dejn\u00e9 hypot\u00e9ky i zde se ru\u010d\u00ed nemovitost\u00ed. Do z\u00e1stavy m\u016f\u017eete d\u00e1t d\u016fm, byt, pozemek, chatu, budovu, n\u011bjak\u00fd objekt, zkr\u00e1tka a dob\u0159e cokoliv podobn\u00e9ho. Na z\u00e1klad\u011b odhadnut\u00e9 ceny z\u00edsk\u00e1te t\u0159eba a\u017e 70% z jej\u00ed odhadn\u00ed ceny. D\u00edky ru\u010den\u00ed z\u00edsk\u00e1te i n\u00edzkou \u00farokovou sazbu. Hypot\u00e9ky se sjedn\u00e1vaj\u00ed nap\u0159\u00edklad a\u017e na 30 let doby spl\u00e1cen\u00ed, aby se p\u0159\u00edli\u0161 vysok\u00fdmi \u010d\u00e1stkami tolik nezat\u011b\u017eovali lid\u00e9. M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka se rozpo\u010d\u00edt\u00e1 a podle toho, kolik si pot\u0159ebujete vz\u00edt hypot\u00e9ku, podle nemovitosti, kterou d\u00e1te do z\u00e1stavy, a podle \u00farokov\u00e9 sazby. Pak se V\u00e1m rozpo\u010d\u00edt\u00e1 \u010d\u00e1stka na obdob\u00ed, kter\u00e9 si zvol\u00edte, t\u0159eba ji\u017e zm\u00edn\u011bn\u00fdch t\u0159icet let.Hled\u00e1te podobnou p\u016fj\u010dku? Nechcete \u017e\u00e1dat u banky? V tom p\u0159\u00edpad\u011b se bude jednat o nebankovn\u00ed p\u016fj\u010dku pod n\u00e1zvem americk\u00e1 hypot\u00e9ka https:\/\/www.fahd.cz\/americka-hypoteka-nebankovni\/.\u00dav\u011bry se v\u011bt\u0161inou berou na vy\u0161\u0161\u00ed \u010d\u00e1stky, stejn\u011b tak jako hypot\u00e9ky, kter\u00e9 se daj\u00ed z\u00edskat nap\u0159\u00edklad pro stavbu domu, koupi bytu nebo na velk\u00e9 rekonstrukce.B\u011b\u017en\u00e9 p\u016fj\u010dky si m\u016f\u017eete sjedn\u00e1vat i na ni\u017e\u0161\u00ed \u010d\u00e1stky, v t\u011bchto p\u0159\u00edpadech nemus\u00edte ni\u010d\u00edm ru\u010dit a p\u016fj\u010d\u00ed V\u00e1m od p\u00e1r tis\u00edc a\u017e po n\u011bkolik stovek tis\u00edc.Nebankovn\u00ed spole\u010dnosti poskytuj\u00ed podnikatelsk\u00e9 \u00fav\u011bry \u2013 pro podnikatele a firmy a tak\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry pro b\u011b\u017en\u00e9 ob\u010dany a jejich pot\u0159eby.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed hypot\u00e9ka a \u00fav\u011br","item":"https:\/\/www.inkano.cz\/nebankovni-hypoteka-a-uver\/#breadcrumbitem"}]}]