[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.annadea.cz\/lze-ziskat-hypoteku-kdyz-nemam-nic-nasetreno\/#Article","mainEntityOfPage":"https:\/\/www.annadea.cz\/lze-ziskat-hypoteku-kdyz-nemam-nic-nasetreno\/","headline":"Lze z\u00edskat hypot\u00e9ku, kdy\u017e nem\u00e1m nic na\u0161et\u0159eno?","name":"Lze z\u00edskat hypot\u00e9ku, kdy\u017e nem\u00e1m nic na\u0161et\u0159eno?","description":"Spousta mlad\u00fdch lid\u00ed by si r\u00e1da po\u0159\u00eddila vlastn\u00ed bydlen\u00ed, ale ne\u017e by na takovou nemovitost na\u0161et\u0159ili, u\u017e by d\u00e1vno mlad\u00ed nebyli. Od toho jsou tu hypot\u00e9ky. Jenom\u017ee i k z\u00edsk\u00e1n\u00ed hypot\u00e9ky mus\u00edte m\u00edt n\u011bjakou \u010d\u00e1stku na\u0161et\u0159enou, v p\u0159\u00edpad\u011b bankovn\u00ed hypot\u00e9ky je to obvykle 20% z ceny nemovitosti, v p\u0159\u00edpad\u011b nebankovn\u00ed hypot\u00e9ky pak 30% z ceny […]","datePublished":"2022-06-18","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.annadea.cz\/author\/#Person","name":"","url":"https:\/\/www.annadea.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cbcb92d2d459f60d1dc08d6e5973c6b0ed1017e8a3b51da0599e03841cfa81e6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"annadea.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.annadea.cz\/wp-content\/uploads\/investment-5241253_640_2.jpg","url":"https:\/\/www.annadea.cz\/wp-content\/uploads\/investment-5241253_640_2.jpg","height":0,"width":0},"url":"https:\/\/www.annadea.cz\/lze-ziskat-hypoteku-kdyz-nemam-nic-nasetreno\/","about":["Pen\u00edze"],"wordCount":418,"articleBody":"       Spousta mlad\u00fdch lid\u00ed by si r\u00e1da po\u0159\u00eddila vlastn\u00ed bydlen\u00ed, ale ne\u017e by na takovou nemovitost na\u0161et\u0159ili, u\u017e by d\u00e1vno mlad\u00ed nebyli. Od toho jsou tu hypot\u00e9ky. Jenom\u017ee i k z\u00edsk\u00e1n\u00ed hypot\u00e9ky mus\u00edte m\u00edt n\u011bjakou \u010d\u00e1stku na\u0161et\u0159enou, v p\u0159\u00edpad\u011b bankovn\u00ed hypot\u00e9ky je to obvykle 20% z ceny nemovitosti, v p\u0159\u00edpad\u011b nebankovn\u00ed hypot\u00e9ky pak 30% z ceny nemovitosti. Nic jako 100% hypot\u00e9ka americkahypoteka.cz toti\u017e neexistuje.Pro\u010d to tak je? To je jednoduch\u00e9. Pokud si vezmete p\u016fj\u010dku, a nebudete ji spl\u00e1cet, v\u011b\u0159iteli nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e v\u00e1m nemovitost zabavit, a prodat ji. Ceny nemovitost\u00ed v\u0161ak mohou u\u017e\u00edv\u00e1n\u00edm klesat, a tak by p\u0159\u00edpadn\u00fdm prodejem nemuseli z\u00edskat takovou \u010d\u00e1stku, jakou ve skute\u010dnosti dlu\u017e\u00edte, a \u00faroky, na kter\u00e9 maj\u00ed n\u00e1rok. Kde ale vz\u00edt 20, nebo dokonce 30%? Na\u0161et\u0159it i on\u011bch 20, nebo 30% v\u0161ak m\u016f\u017ee trvat, a\u010dkoliv jsou va\u0161e p\u0159\u00edjmy t\u0159eba i dostate\u010dn\u00e9. Chcete-li si t\u0159eba po\u0159\u00eddit d\u016fm za 3 miliony korun, mus\u00edte m\u00edt na\u0161et\u0159eno 600 a\u017e 900 000K\u010d, co\u017e m\u016f\u017ee trvat skute\u010dn\u011b dlouho.Existuje \u0159e\u0161en\u00ed i pro ty, kdo toliko na\u0161et\u0159eno nemaj\u00ed? Jist\u011b! To by byl jinak po\u010det poskytnut\u00fdch hypot\u00e9k i o dv\u011b t\u0159etiny ni\u017e\u0161\u00ed. M\u016f\u017eete se obr\u00e1tit na n\u011bkoho bl\u00edzk\u00e9ho, a po\u017e\u00e1dat jej, aby v\u00e1m ru\u010dil i svoj\u00ed nemovitost\u00ed. Je v\u0161ak jen na n\u011bm, zda bude ochotn\u00fd toto risknout. V\u011bt\u0161inou se pak d\u011bti obracej\u00ed na rodi\u010de, \u010di sourozence.Co kdy\u017e i tak banka odm\u00edtne poskytnout hypot\u00e9ku? I to se m\u016f\u017ee st\u00e1t. D\u016fvodem m\u016f\u017ee b\u00fdt t\u0159eba n\u00edzk\u00e1 bonita. V\u00e1m mo\u017en\u00e1 p\u0159ipad\u00e1 va\u0161e v\u00fdplata ve v\u00fd\u0161i 40 000K\u010d dostate\u010dn\u00e1, ale banka m\u00e1 na to jin\u00fd n\u00e1zor. V\u017edy se v\u0161ak m\u016f\u017eete obr\u00e1tit na nebankovn\u00ed spole\u010dnost, kter\u00e1 ochotn\u011b poskytne \u00fav\u011br i lidem s ni\u017e\u0161\u00ed bonitou, pokud prok\u00e1\u017eou, \u017ee spl\u00e1cet mohou. Nen\u00ed v tom n\u011bjak\u00fd chyt\u00e1k? Ne. D\u016fvodem, pro\u010d je z\u00edsk\u00e1n\u00ed hypot\u00e9ky u nebankovn\u00ed spole\u010dnosti mnohem snaz\u0161\u00ed je fakt, \u017ee na rozd\u00edl od banky nejsou v\u00e1z\u00e1ny tak p\u0159\u00edsn\u00fdmi p\u0159edpisy, a poskytnout hypot\u00e9ku je pro n\u011b mnohem snaz\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Lze z\u00edskat hypot\u00e9ku, kdy\u017e nem\u00e1m nic na\u0161et\u0159eno?","item":"https:\/\/www.annadea.cz\/lze-ziskat-hypoteku-kdyz-nemam-nic-nasetreno\/#breadcrumbitem"}]}]