[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.warcon.cz\/chteli-byste-nebankovni-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.warcon.cz\/chteli-byste-nebankovni-hypoteku\/","headline":"Cht\u011bli byste nebankovn\u00ed hypot\u00e9ku?","name":"Cht\u011bli byste nebankovn\u00ed hypot\u00e9ku?","description":"Zd\u00e1 se v\u00e1m nejv\u00edce v\u00fdhodn\u00e1, ale m\u00e1te obavy z ru\u010den\u00ed nemovitost\u00ed? A v\u00edte v\u016fbec, co to v praxi znamen\u00e1? Jist\u00e9 je, \u017ee v\u017edy,…","datePublished":"2019-12-26","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.warcon.cz\/author\/devene\/#Person","name":"warcon.cz","url":"https:\/\/www.warcon.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"warcon.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.warcon.cz\/wp-content\/uploads\/img_a378172_w2767_t1589367936.jpg","url":"https:\/\/www.warcon.cz\/wp-content\/uploads\/img_a378172_w2767_t1589367936.jpg","height":0,"width":0},"url":"https:\/\/www.warcon.cz\/chteli-byste-nebankovni-hypoteku\/","about":["Pen\u00edze"],"wordCount":460,"articleBody":"        Zd\u00e1 se v\u00e1m nejv\u00edce v\u00fdhodn\u00e1, ale m\u00e1te obavy z ru\u010den\u00ed nemovitost\u00ed? A v\u00edte v\u016fbec, co to v praxi znamen\u00e1? Jist\u00e9 je, \u017ee v\u017edy, kdy\u017e si chcete p\u016fj\u010dit pen\u00edze, bude po v\u00e1s poskytovatel p\u016fj\u010dky \u017e\u00e1dat z\u00e1ruky, \u017ee sv\u016fj dluh splat\u00edte. To je zcela p\u0159irozen\u00e9, proto\u017ee takov\u00e1 p\u016fj\u010dka s sebou nese nemal\u00e9 riziko a nikdo nechce o sv\u00e9 pen\u00edze p\u0159ij\u00edt. A to je d\u016fvod, pro\u010d je nezbytn\u00e9 poskytnout v\u011b\u0159iteli z\u00e1ruku, \u017ee ho nezklamete. Jasn\u00e9 je i to, \u017ee takov\u00e1 z\u00e1ruka mus\u00ed b\u00fdt dostate\u010dn\u011b siln\u00e1, aby pln\u011b pokryla ztr\u00e1tu v\u011b\u0159itele v p\u0159\u00edpad\u011b, kdy z r\u016fzn\u00fdch d\u016fvod\u016f nebudete schopni sv\u00fdm z\u00e1vazk\u016fm dost\u00e1t a sv\u016fj dluh splatit. I to se m\u016f\u017ee st\u00e1t a nikdo nikdy p\u0159edem nev\u00ed, co se m\u016f\u017ee p\u0159ihodit. Na druhou stranu, bylo by zbyte\u010dn\u00e9 malovat \u010derta na ze\u010f je\u0161t\u011b p\u0159ed t\u00edm, ne\u017e si v\u016fbec p\u016fj\u010d\u00edte pen\u00edze. Kdy\u017e budete sv\u011bdomit\u011b platit spl\u00e1tky i s \u00faroky, nic se nestane a vy si ani nev\u0161imnete, \u017ee svou nemovitost\u00ed ru\u010d\u00edte. Nav\u00edc, mnoho lid\u00ed se ob\u00e1v\u00e1, \u017ee kdy\u017e se n\u011bco stane a oni nebudou schopni p\u016fj\u010dku d\u00e1le spl\u00e1cet, tak p\u0159ijdou o svou st\u0159echu nad hlavou. Ale ani tak to b\u00fdt nemus\u00ed. Nen\u00ed toti\u017e nezbytn\u00e9, abyste ru\u010dili bytem anebo domem, ve kter\u00e9m \u017eijete, i kdy\u017e je to pro mnoho lid\u00ed hlavn\u00ed volba. Klidn\u011b m\u016f\u017eete ru\u010dit i jin\u00fdmi typy majetku \u2013 t\u0159eba firemn\u00edmi prostory, chatou, gar\u00e1\u017e\u00ed. http:\/\/www.lidovky.cz\/policie-byla-u-garazi-s-unesenymi-detmi-vecer-pred-jejich-nalezenim-objevili-je-az-rodice-g6g-\/zpravy-domov.aspx%3Fc%3DA160913_125725_ln_domov_bri  To, jakou konkr\u00e9tn\u00ed z\u00e1ruku zvol\u00edte, z\u00e1le\u017e\u00ed v\u017edy na tom, o jak vysokou \u010d\u00e1stku m\u00e1te z\u00e1jem. Plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed \u00fav\u011br, t\u00edm vy\u0161\u0161\u00ed mus\u00ed b\u00fdt hodnota vybran\u00e9ho majetku. M\u016f\u017eete z\u00edskat \u00fav\u011br a\u017e do v\u00fd\u0161e sedmdes\u00e1ti procent hodnoty zvolen\u00e9 z\u00e1ruky. Samoz\u0159ejm\u011b jde o jej\u00ed aktu\u00e1ln\u00ed tr\u017en\u00ed cenu. Ne ka\u017ed\u00fd \u017eije v b\u011b\u017en\u00e9m byt\u011b – mnoho lid\u00ed, kte\u0159\u00ed bydl\u00ed v panelov\u00fdch domech, se zaj\u00edmaj\u00ed o to, zda mohou za p\u016fj\u010dku ru\u010dit dru\u017estevn\u00edm vlastnictv\u00edm, tedy zda je mo\u017en\u00e1 hypot\u00e9ka na dru\u017estevn\u00ed byt? Ano, ani to nen\u00ed \u017e\u00e1dn\u00fd probl\u00e9m, v\u0161e je mo\u017en\u00e9 dohodnout. A jak v\u0161ichni moc dob\u0159e v\u00edme, tak kde je v\u016fle, tam se najde i rozumn\u00e1 cesta, po kter\u00e9 se pr\u00e1v\u011b m\u016f\u017eete vydat i vy!                                                                                                                                                                                                                                                                                                                                                                                           3.2\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Cht\u011bli byste nebankovn\u00ed hypot\u00e9ku?","item":"https:\/\/www.warcon.cz\/chteli-byste-nebankovni-hypoteku\/#breadcrumbitem"}]}]