[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ryves.cz\/pozadejte-nebankovni-spolecnost-o-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.ryves.cz\/pozadejte-nebankovni-spolecnost-o-hypoteku\/","headline":"Po\u017e\u00e1dejte nebankovn\u00ed spole\u010dnost o hypot\u00e9ku","name":"Po\u017e\u00e1dejte nebankovn\u00ed spole\u010dnost o hypot\u00e9ku","description":"Ano, bylo by to \u0159e\u0161en\u00ed, pokud v\u00e1m banka nedala z jak\u00e9hokoliv d\u016fvodu p\u016fj\u010dku. Mohlo to b\u00fdt proto, \u017ee jste kdysi \u010dasov\u011b nestihli n\u011bjakou spl\u00e1tku, nebo m\u00e1te p\u0159\u00edli\u0161 n\u00edzk\u00fd p\u0159\u00edjem. U nebankovn\u00ed spole\u010dnosti to nevad\u00ed, tady sta\u010d\u00ed, \u017ee m\u00e1te mo\u017enost p\u016fj\u010dku spl\u00e1cet. Nebankovn\u00ed hypot\u00e9ku bez registrunebude zaj\u00edmat v\u00fd\u0161e va\u0161eho p\u0159\u00edjmu, a ani, \u017ee jste v minulosti nestihli splatit n\u011bjakou \u010d\u00e1stku. Sta\u010d\u00ed jen, \u017ee jste schopni schv\u00e1lenou hypot\u00e9ku spl\u00e1cet. Ale jak u nebankovn\u00ed tak i u bankovn\u00ed spole\u010dnosti m\u00e1te jednu povinnost danou…","datePublished":"2019-11-11","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.ryves.cz\/author\/#Person","name":"","url":"https:\/\/www.ryves.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ryves.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ryves.cz\/wp-content\/uploads\/img_a369706_w2232_t1581786157.png","url":"https:\/\/www.ryves.cz\/wp-content\/uploads\/img_a369706_w2232_t1581786157.png","height":0,"width":0},"url":"https:\/\/www.ryves.cz\/pozadejte-nebankovni-spolecnost-o-hypoteku\/","about":["Spole\u010dnosti"],"wordCount":408,"articleBody":"      Ano, bylo by to \u0159e\u0161en\u00ed, pokud v\u00e1m banka nedala z jak\u00e9hokoliv d\u016fvodu p\u016fj\u010dku. Mohlo to b\u00fdt proto, \u017ee jste kdysi \u010dasov\u011b nestihli n\u011bjakou spl\u00e1tku, nebo m\u00e1te p\u0159\u00edli\u0161 n\u00edzk\u00fd p\u0159\u00edjem. U nebankovn\u00ed spole\u010dnosti to nevad\u00ed, tady sta\u010d\u00ed, \u017ee m\u00e1te mo\u017enost p\u016fj\u010dku spl\u00e1cet. Nebankovn\u00ed hypot\u00e9ku bez registrunebude zaj\u00edmat v\u00fd\u0161e va\u0161eho p\u0159\u00edjmu, a ani, \u017ee jste v minulosti nestihli splatit n\u011bjakou \u010d\u00e1stku. Sta\u010d\u00ed jen, \u017ee jste schopni schv\u00e1lenou hypot\u00e9ku spl\u00e1cet. Ale jak u nebankovn\u00ed tak i u bankovn\u00ed spole\u010dnosti m\u00e1te jednu povinnost danou z\u00e1kony, krom\u011b toho, \u017ee hypot\u00e9ku mus\u00edte spl\u00e1cet, je zde tak\u00e9 povinnost ru\u010dit nemovitost\u00ed, tedy pozemkem, bytem, chatou. Pokud takovou nemovitost nevlastn\u00edte, m\u016f\u017ee za v\u00e1s ru\u010dit n\u011bkdo jin\u00fd, tedy t\u0159et\u00ed osoba, n\u011bkdo z rodiny, nebo i z p\u0159\u00e1tel. To je d\u00e1no z\u00e1konem a na\u0161i z\u00e1konod\u00e1rci tak\u00e9 pamatovali na to, \u017ee je zde na dodr\u017eov\u00e1n\u00ed z\u00e1konn\u00fdch pravidel dohled \u010cesk\u00e9 n\u00e1rodn\u00ed banky. U nebankovn\u00ed spole\u010dnosti tak\u00e9 m\u00e1te mo\u017enost vyp\u016fj\u010den\u00e9 pen\u00edze p\u0159ed\u010dasn\u011b splatit, bez pokuty, nap\u0159\u00edklad pokud zd\u011bd\u00edte finan\u010dn\u00ed \u010d\u00e1stku. Ru\u010den\u00ed nemovitost\u00ed je samoz\u0159ejm\u011b po splacen\u00ed hypot\u00e9ky ukon\u010deno. A dokonce m\u016f\u017ee b\u00fdt tato hypot\u00e9ka uzav\u0159en\u00e1 jako dlouhodob\u00e1, a to s dobou splatnosti a\u017e t\u0159icet let. Tak\u017ee byste nem\u011bli v\u00e1hat. Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, \u017ee na vysn\u011bnou rekrea\u010dn\u00ed nemovitost si na\u0161et\u0159\u00edte, pokud se na n\u011bkolik let uskrovn\u00edte. Ale bohu\u017eel skute\u010dnost je \u00fapln\u011b jin\u00e1. D\u00edky inflac\u00ed je na\u0161e m\u011bna velmi znehodnocena, a co koup\u00edte dnes za ur\u010ditou \u010d\u00e1stku tak p\u00e1r let u\u017e za stejn\u00e9 pen\u00edze nenakoup\u00edte. A nav\u00edc, platy se a\u017e tak nenavy\u0161uj\u00ed. Tak\u017ee jak uv\u00e1d\u011bj\u00ed odborn\u00edci v t\u00e9to oblasti, \u0161et\u0159en\u00ed se v dne\u0161n\u00ed dob\u011b moc nevypl\u00e1c\u00ed. A tak\u00e9 druh\u00fd faktor, rekrea\u010dn\u00edch objekt\u016f je sice u n\u00e1s hodn\u011b, ale zase se tak a\u017e moc na prodej nenab\u00edzej\u00ed. V\u011bt\u0161inou z\u016fst\u00e1vaj\u00ed v rodin\u00e1ch, tak\u017ee pokud se nab\u00eddne mo\u017enost dobr\u00e9 koup\u011b, nem\u011blo by se a\u017e tak v\u00e1hat.                                                                                                                                                                                                                                                                                                                                                                                            4.4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Po\u017e\u00e1dejte nebankovn\u00ed spole\u010dnost o hypot\u00e9ku","item":"https:\/\/www.ryves.cz\/pozadejte-nebankovni-spolecnost-o-hypoteku\/#breadcrumbitem"}]}]