[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gentoo.cz\/hypoteka-bez-registru\/#Article","mainEntityOfPage":"https:\/\/www.gentoo.cz\/hypoteka-bez-registru\/","headline":"Hypot\u00e9ka bez registr\u016f","name":"Hypot\u00e9ka bez registr\u016f","description":"Bylo, nebylo i tak by mohla za\u010d\u00edt na\u0161e poh\u00e1dka. My si ale zde nebudeme p\u0159eci […]","datePublished":"2020-08-14","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.gentoo.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.gentoo.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gentoo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gentoo.cz\/wp-content\/uploads\/pen%C3%ADze%20a%20bankovky.jpeg","url":"https:\/\/www.gentoo.cz\/wp-content\/uploads\/pen%C3%ADze%20a%20bankovky.jpeg","height":0,"width":0},"url":"https:\/\/www.gentoo.cz\/hypoteka-bez-registru\/","about":["Internet"],"wordCount":487,"articleBody":"     Bylo, nebylo i tak by mohla za\u010d\u00edt na\u0161e poh\u00e1dka. My si ale zde nebudeme p\u0159eci vykl\u00e1dat poh\u00e1dky, ale budeme mluvit o skute\u010dn\u00e9 realit\u011b, tak\u017ee za\u010dneme trochu jin\u00fdmi slovy, ale stejn\u011b to vezmeme hezky popo\u0159\u00e1dku, abychom se ve v\u0161ech t\u011bch v\u00fdrazech neztratili.Jednoho dne se zm\u011bnil z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Je to ji\u017e p\u011bkn\u00e1 \u0159\u00e1dka let a od t\u00e9 doby jsou v\u00edce kryt\u00ed jak klienti, tak i solidn\u00ed nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky a \u00fav\u011bry, proto\u017ee na trhu v t\u00e9to oblasti ubylo mnoho firem, kter\u00e9 cht\u011bly jen \u0161idit, tak\u017ee je to v podstat\u011b v\u00fdhodn\u00e9 pro ob\u011b strany. Po zm\u011bn\u011b z\u00e1kona vy\u0161ly v platnost nov\u00e1 pravidla a stejn\u011b tak, jako se nesm\u00ed vyd\u00e1vat stoprocentn\u00ed hypot\u00e9ky, \u010dili nem\u016f\u017eete za svou nemovitost z\u00edskat pln\u00fdch sto procent, tak se zm\u011bnily i podm\u00ednky a n\u00e1zvy spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. V dne\u0161n\u00ed podob\u011b, nap\u0159\u00edklad pod n\u00e1zvy hypot\u00e9ka bez registr\u016f nebo hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f toti\u017e nenajdete b\u011b\u017en\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale najdete pod t\u011bmito n\u00e1zvy podnikatelsk\u00e9 \u00fav\u011bry. Samoz\u0159ejm\u011b, \u017ee se jedn\u00e1 o hypot\u00e9ku, jak u\u017e jejich n\u00e1zev napov\u00edd\u00e1, \u010dili u nich ru\u010d\u00edte nemovitost\u00ed, kterou d\u00e1te do z\u00e1stavy a za n\u00ed z\u00edsk\u00e1te velice n\u00edzk\u00e9 procento \u00farokov\u00e9 sazby a nap\u0159\u00edklad a\u017e 70% z hodnoty nemovitosti. Pen\u00edze se daj\u00ed v r\u00e1mci firmy nebo podnik\u00e1n\u00ed vyu\u017e\u00edt jak\u00fdmkoliv zp\u016fsobem.Doba spl\u00e1cen\u00ed se b\u011b\u017en\u011b pohybuje okolo t\u0159iceti let, pokud si nezvol\u00edte n\u011bjak\u00e9 krat\u0161\u00ed obdob\u00ed na spl\u00e1cen\u00ed cel\u00e9ho \u00fav\u011bru. Tak\u017ee to by bylo na za\u010d\u00e1tek, poj\u010fme tedy p\u0159ej\u00edt d\u00e1le.V p\u0159\u00edpad\u011b, \u017ee se bude jednat o b\u011b\u017en\u00e9ho ob\u010dana, kter\u00fd pot\u0159ebuje p\u016fj\u010dku, pak mus\u00ed hledat pod n\u00e1zvy nebankovn\u00ed hypot\u00e9ka. A to plat\u00ed i v p\u0159\u00edpad\u011b, \u017ee se jedn\u00e1 o \u010dlov\u011bka, kter\u00fd nap\u0159\u00edklad m\u00e1 dluhy, exekuce nebo z\u00e1znam v registru dlu\u017en\u00edk\u016f. V t\u011bchto p\u0159\u00edpadech toti\u017e nej\u010dast\u011bji vyhled\u00e1v\u00e1me tyto n\u00e1zvy, jako jsou hypot\u00e9ky bez registru nebo hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f.Hypot\u00e9ka je tedy mo\u017en\u00e1 i v p\u0159\u00edpad\u011b, \u017ee na ni v b\u011b\u017en\u00e9 bance nedos\u00e1hnete. Velkou v\u00fdhodou nebankovn\u00edch neboli soukrom\u00fdch spole\u010dnost\u00ed je toti\u017e fakt, \u017ee u nich nemus\u00edte slo\u017eit\u011b nic prokazovat, mus\u00edte samoz\u0159ejm\u011b uk\u00e1zat, \u017ee m\u00e1te m\u011bs\u00ed\u010dn\u011b pen\u00edze na spl\u00e1cen\u00ed (posta\u010d\u00ed v\u00fdpis z \u00fa\u010dtu) a nevad\u00ed jim z\u00e1znamy v registrech, kter\u00e9 b\u011b\u017en\u011b u spot\u0159ebitelsk\u00fdch ale i podnikatelsk\u00fdch \u00fav\u011br\u016f toleruj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  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