[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fokusul.cz\/kdyz-vam-banka-nechce-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.fokusul.cz\/kdyz-vam-banka-nechce-pujcit\/","headline":"Kdy\u017e v\u00e1m banka nechce p\u016fj\u010dit","name":"Kdy\u017e v\u00e1m banka nechce p\u016fj\u010dit","description":"Bydlet ve vlastn\u00edm nen\u00ed v\u017edy tak snadn\u00e9, jak se zd\u00e1. Banky sice hypot\u00e9ky nab\u00edzej\u00ed, nejsou v\u0161ak dostupn\u00e9 pro v\u0161echny. Jak\u00e9 &hellip; <p class=\"link-more\"><a href=\"https:\/\/www.fokusul.cz\/kdyz-vam-banka-nechce-pujcit\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Kdy\u017e v\u00e1m banka nechce p\u016fj\u010dit\"<\/span><\/a><\/p>","datePublished":"2022-01-17","dateModified":"2023-06-01","author":{"@type":"Person","@id":"https:\/\/www.fokusul.cz\/author\/#Person","name":"","url":"https:\/\/www.fokusul.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fokusul.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fokusul.cz\/wp-content\/uploads\/money-g0a2a141f2_640.jpg","url":"https:\/\/www.fokusul.cz\/wp-content\/uploads\/money-g0a2a141f2_640.jpg","height":0,"width":0},"url":"https:\/\/www.fokusul.cz\/kdyz-vam-banka-nechce-pujcit\/","about":["Pen\u00edze"],"wordCount":456,"articleBody":"      Bydlet ve vlastn\u00edm nen\u00ed v\u017edy tak snadn\u00e9, jak se zd\u00e1. Banky sice hypot\u00e9ky nab\u00edzej\u00ed, nejsou v\u0161ak dostupn\u00e9 pro v\u0161echny. Jak\u00e9 jsou d\u016fvody nedosa\u017eitelnosti bankovn\u00ed hypot\u00e9ky?N\u00edzk\u00e9 prokazateln\u00e9 p\u0159\u00edjmy. Mnoho lid\u00ed m\u00e1 vedle sv\u00e9ho st\u00e1l\u00e9ho zam\u011bstn\u00e1n\u00ed i vedlej\u0161\u00ed p\u0159\u00edjmy, kter\u00e9 ne v\u017edy m\u016f\u017ee prok\u00e1zat. A tak, i v p\u0159\u00edpad\u011b \u017ee m\u00e1 dostatek financ\u00ed na spl\u00e1cen\u00ed p\u016fj\u010dky, nem\u00e1 na ni n\u00e1rok. Jindy zase \u010dlov\u011bk zm\u011bnil zam\u011bstn\u00e1n\u00ed, a nem\u016f\u017ee tedy dolo\u017eit p\u0159\u00edjmy za del\u0161\u00ed dobu, tud\u00ed\u017e op\u011bt nem\u00e1 n\u00e1rok.M\u00e1te z\u00e1znam v bankovn\u00edch registrech. To se st\u00e1v\u00e1. Nap\u0159\u00edklad jste v ml\u00e1d\u00ed m\u011bli probl\u00e9my se spl\u00e1cen\u00edm. A\u010dkoliv jste na tom nyn\u00ed u\u017e jinak, banka se cuk\u00e1.Dal\u0161\u00edm probl\u00e9mem u z\u00edsk\u00e1n\u00ed bankovn\u00ed hypot\u00e9ky je fakt, \u017ee jej\u00ed vy\u0159\u00edzen\u00ed trv\u00e1 dlouhou dobu, mnohdy m\u011bs\u00edce. Pap\u00edrov\u00e1n\u00ed, dokl\u00e1d\u00e1n\u00ed, vysv\u011btlov\u00e1n\u00ed. Pokud ov\u0161em u\u017e m\u00e1te vyhl\u00eddnut\u00fd d\u016fm, \u010di pozemek, o kter\u00fd je velk\u00fd z\u00e1jem, nem\u016f\u017eete si dovolit na toto zdr\u017een\u00ed \u010dekat. Co v takov\u00e9m p\u0159\u00edpad\u011b d\u011blat? Zkuste za\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku.Co je nebankovn\u00ed hypot\u00e9ka?Jedn\u00e1 se o hypot\u00e9ku nab\u00edzenou prost\u0159ednictv\u00edm nebankovn\u00ed spole\u010dnosti, kter\u00e1 se zam\u011b\u0159uje na p\u016fj\u010dky. Jedn\u00e1 se o solidn\u00ed a spolehliv\u00fd zp\u016fsob, jak rychle z\u00edskat pen\u00edze, nap\u0159\u00edklad na pozemek, \u010di nemovitost.Jak si zvolit spole\u010dnost, pro svoji \u017e\u00e1dost?Ka\u017ed\u00e1 nebankovn\u00ed spole\u010dnost m\u00e1 vlastn\u00ed podm\u00ednky. Nejjist\u011bj\u0161\u00ed volbou je spole\u010dnost Nebankovn\u00ed hypot\u00e9ky, kter\u00e1 po v\u00e1s nepo\u017eaduje \u017e\u00e1dn\u00e9 poplatky p\u0159edem, nevad\u00ed j\u00ed z\u00e1znamy v registru, ani ni\u017e\u0161\u00ed p\u0159\u00edjmy.Jak\u00e1 je doba splatnosti?Doba splatnosti obvykle b\u00fdv\u00e1 a\u017e t\u0159icet let, s mo\u017enost\u00ed bezplatn\u00e9ho p\u0159ed\u010dasn\u00e9ho splacen\u00ed.Jak rychle dostanete pen\u00edze?V p\u0159\u00edpad\u011b nebankovn\u00ed hypot\u00e9ky m\u016f\u017eete m\u00edt pen\u00edze na \u00fa\u010dtu u\u017e 24 hodin od doby, kdy dod\u00e1te pot\u0159ebn\u00e9 podklady.Jak\u00e1 je \u00farokov\u00e1 sazba?Stejn\u011b jako u bankovn\u00ed hypot\u00e9ky, se \u00faroky posuzuj\u00ed dle mnoha faktor\u016f, jako je t\u0159eba lokalita, po\u017eadovan\u00e1 \u010d\u00e1stka, po\u010det exekuc\u00ed a mnoho dal\u0161\u00edch. B\u011b\u017en\u011b to v\u0161ak b\u00fdv\u00e1 okolo 6,9%. Pokud v\u0161ak nem\u00e1te z\u00e1znam v registru, nebo se\u017eenete spolu\u017eadatele, m\u016f\u017eete dos\u00e1hnout a\u017e na 4%.Jak za\u017e\u00e1dat?Pro za\u010d\u00e1tek posta\u010d\u00ed vyplnit online formul\u00e1\u0159, na\u010de\u017e se v\u00e1m ozve manager, a domluv\u00ed se s v\u00e1mi na ostatn\u00edch n\u00e1le\u017eitostech.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e v\u00e1m banka nechce p\u016fj\u010dit","item":"https:\/\/www.fokusul.cz\/kdyz-vam-banka-nechce-pujcit\/#breadcrumbitem"}]}]