[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.harcov.cz\/za-nebankovni-hypoteku-muzete-rucit-libovolnou-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.harcov.cz\/za-nebankovni-hypoteku-muzete-rucit-libovolnou-nemovitosti\/","headline":"Za nebankovn\u00ed hypot\u00e9ku m\u016f\u017eete ru\u010dit libovolnou nemovitost\u00ed","name":"Za nebankovn\u00ed hypot\u00e9ku m\u016f\u017eete ru\u010dit libovolnou nemovitost\u00ed","description":"Brous\u00edte si zuby na nebankovn\u00ed hypot\u00e9ku? T\u00e1pete nad t\u00edm, co by se mohlo st\u00e1t vhodnou z\u00e1rukou za podobn\u00fd \u00fav\u011br? Tento \u010dl\u00e1nek v\u00e1m porad\u00ed \u2013 nev\u00e1hejte a \u010dt\u011bte d\u00e1l! Pro nebankovn\u00ed hypot\u00e9ky je typick\u00e9 ru\u010den\u00ed nemovitost\u00ed. Na takov\u00fd typ z\u00e1ruky naraz\u00edte na finan\u010dn\u00edm trhu d\u00e1le tak\u00e9 u v\u0161ech americk\u00fdch hypot\u00e9k. \u010c\u00edm to je? Stejn\u011b jako pro  ...","datePublished":"2019-06-04","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.harcov.cz\/author\/#Person","name":"harcov.cz\n","url":"https:\/\/www.harcov.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"harcov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.harcov.cz\/wp-content\/uploads\/img_a360668_w2223_t1574243831.jpg","url":"https:\/\/www.harcov.cz\/wp-content\/uploads\/img_a360668_w2223_t1574243831.jpg","height":0,"width":0},"url":"https:\/\/www.harcov.cz\/za-nebankovni-hypoteku-muzete-rucit-libovolnou-nemovitosti\/","about":["Pen\u00edze"],"wordCount":439,"articleBody":"           Brous\u00edte si zuby na nebankovn\u00ed hypot\u00e9ku? T\u00e1pete nad t\u00edm, co by se mohlo st\u00e1t vhodnou z\u00e1rukou za podobn\u00fd \u00fav\u011br? Tento \u010dl\u00e1nek v\u00e1m porad\u00ed \u2013 nev\u00e1hejte a \u010dt\u011bte d\u00e1l! Pro nebankovn\u00ed hypot\u00e9ky je typick\u00e9 ru\u010den\u00ed nemovitost\u00ed. Na takov\u00fd typ z\u00e1ruky naraz\u00edte na finan\u010dn\u00edm trhu d\u00e1le tak\u00e9 u v\u0161ech americk\u00fdch hypot\u00e9k. \u010c\u00edm to je? Stejn\u011b jako pro americk\u00e9 hypot\u00e9ky, tak i pro nebankovn\u00ed \u00fav\u011bry je typick\u00e9, \u017ee \u017eadatel\u016fm vych\u00e1zej\u00ed maxim\u00e1ln\u011b vst\u0159\u00edc. A pr\u00e1v\u011b s t\u00edm souvis\u00ed typ po\u017eadovan\u00e9 z\u00e1ruky. Kdy\u017e budete ru\u010dit nemovitost\u00ed, pak m\u00e1 v\u011b\u0159itel jistotu, \u017ee o pen\u00edze, kter\u00e9 do v\u00e1s vlo\u017e\u00ed, nakonec nep\u0159ijde. \u0158ekn\u011bme si na rovinu, \u017ee jak americk\u00e9, tak i nebankovn\u00ed hypot\u00e9ky jsou pro v\u011b\u0159itele mnohem v\u011bt\u0161\u00edm rizikem, ne\u017e b\u011b\u017en\u00e1 \u00fa\u010delov\u00e1 p\u016fj\u010dka. V\u017edy\u0165 americkou hypot\u00e9ku si m\u016f\u017eete sjednat na financov\u00e1n\u00ed libovoln\u00e9ho \u00fa\u010delu, a poskytovatel \u00fav\u011bru o tom, jak s pen\u011bzi nalo\u017e\u00edte, nemus\u00ed v\u016fbec nic v\u011bd\u011bt. Podobn\u011b nebankovn\u00ed hypot\u00e9ky vych\u00e1zej\u00ed \u017eadatel\u016fm vst\u0159\u00edc v mnoha sm\u011brech \u2013 t\u0159eba t\u00edm, \u017ee je m\u016f\u017eete vyu\u017e\u00edt i v p\u0159\u00edpad\u011b, kdy v\u00e1s t\u00ed\u017e\u00ed z\u00e1pis v registru anebo m\u00e1te n\u00edzkou bonitu. A tuto vy\u0161\u0161\u00ed m\u00edru rizika pro v\u011b\u0159itele, je pot\u0159eba vyv\u00e1\u017eit lep\u0161\u00ed z\u00e1rukou va\u0161\u00ed platebn\u00ed k\u00e1zn\u011b. Mo\u017en\u00e1 se ru\u010den\u00ed nemovitost\u00ed ob\u00e1v\u00e1te. T\u00edm sp\u00ed\u0161e, pokud se rozhodnete ru\u010dit vlastn\u00ed st\u0159echou nad hlavou. Ano, je pravda, \u017ee v p\u0159\u00edpad\u011b, kdy nebudete schopni spl\u00e1cet, o sv\u00e9 bydlen\u00ed p\u0159ijdete. Ov\u0161em v situaci, kdy dostoj\u00edte sv\u00fdm povinnostem, v\u00e1m v\u016fbec nic nehroz\u00ed. Na druhou stranu, do podobn\u00e9 situace se dostanete i ve chv\u00edli, kdy si v bance vezmete b\u011b\u017enou hypot\u00e9ku na stavbu domu \u2013 pokud ji nesplat\u00edte, o d\u016fm p\u0159ijdete. Ve sv\u011bt\u011b p\u016fj\u010dek se tedy jedn\u00e1 o pom\u011brn\u011b b\u011b\u017enou situaci.P\u0159ejd\u011bme tedy k tomu, \u010d\u00edm v\u0161\u00edm m\u016f\u017eete za \u00fav\u011br ru\u010dit. D\u016fle\u017eit\u00e9 je \u0159\u00edct, \u017ee nez\u00e1le\u017e\u00ed ani tak na druhu zvolen\u00e9ho majetku, jako p\u0159edev\u0161\u00edm na jeho aktu\u00e1ln\u00ed tr\u017en\u00ed hodnot\u011b. Mo\u017en\u00e1 je hypot\u00e9ka na rodinn\u00fd d\u016fm, stejn\u011b tak jako hypot\u00e9ka na pozemek FAHD, anebo klidn\u011b i na horskou chatu. Ka\u017ed\u00fd majetek m\u00e1 svou cenu \u2013 a ta je d\u016fle\u017eit\u00e1.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Za nebankovn\u00ed hypot\u00e9ku m\u016f\u017eete ru\u010dit libovolnou nemovitost\u00ed","item":"https:\/\/www.harcov.cz\/za-nebankovni-hypoteku-muzete-rucit-libovolnou-nemovitosti\/#breadcrumbitem"}]}]