[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zemzah.cz\/nebankovni-hypoteka-pro-koho-je-urcena-a-kdy-ji-vyuzit\/#Article","mainEntityOfPage":"https:\/\/www.zemzah.cz\/nebankovni-hypoteka-pro-koho-je-urcena-a-kdy-ji-vyuzit\/","headline":"Nebankovn\u00ed hypot\u00e9ka: Pro koho je ur\u010den\u00e1 a kdy j\u00ed vyu\u017e\u00edt?","name":"Nebankovn\u00ed hypot\u00e9ka: Pro koho je ur\u010den\u00e1 a kdy j\u00ed vyu\u017e\u00edt?","description":"I kdy\u017e je inflace v \u010cesk\u00e9 republice za posledn\u00ed roky nejvy\u0161\u0161\u00ed v historii, zd\u00e1 se, \u017ee obliba hypot\u00e9k nijak nekles\u00e1. A to z jednoho prost\u00e9ho…","datePublished":"2022-06-18","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.zemzah.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zemzah.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zemzah.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zemzah.cz\/wp-content\/uploads\/pexels-ketut-subiyanto-4245921.jpg","url":"https:\/\/www.zemzah.cz\/wp-content\/uploads\/pexels-ketut-subiyanto-4245921.jpg","height":0,"width":0},"url":"https:\/\/www.zemzah.cz\/nebankovni-hypoteka-pro-koho-je-urcena-a-kdy-ji-vyuzit\/","about":["Finance"],"wordCount":392,"articleBody":"   I kdy\u017e je inflace v \u010cesk\u00e9 republice za posledn\u00ed roky nejvy\u0161\u0161\u00ed v historii, zd\u00e1 se, \u017ee obliba hypot\u00e9k nijak nekles\u00e1. A to z jednoho prost\u00e9ho d\u016fvodu-\u010ce\u0161i se ob\u00e1vaj\u00ed dal\u0161\u00edho n\u00e1r\u016fstu \u00farokov\u00e9 sazby. Ov\u0161em u\u017e nyn\u00ed je patrn\u00e9, \u017ee markantn\u00ed n\u00e1r\u016fst \u00farokov\u00e9 sazby bude m\u00edt za n\u00e1sledek i vy\u0161\u0161\u00ed po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. A\u0165 u\u017e se jedn\u00e1 o koupi nemovitosti, rekonstrukci nebo t\u0159eba v\u00fdstavbu, ve v\u0161ech t\u011bchto p\u0159\u00edpadech je mo\u017en\u00e9 za\u017e\u00e1dat o financov\u00e1n\u00ed za pomoci hypote\u010dn\u00edho \u00fav\u011bru. P\u0159itom se nemus\u00ed nutn\u011b jednat o va\u0161e budouc\u00ed bydli\u0161t\u011b, ale m\u016f\u017ee slou\u017eit i k pronaj\u00edm\u00e1n\u00ed. U jak\u00e9hokoliv hypote\u010dn\u00edho \u00fav\u011bru je ov\u0161em zapot\u0159eb\u00ed po\u010d\u00edtat se z\u00e1stavou nemovitosti, kter\u00e1 je pro v\u011b\u0159itele ur\u010ditou z\u00e1rukou. V\u00fd\u0161e hypote\u010dn\u00edch \u00fav\u011br\u016f se toti\u017e i vlivem n\u00e1r\u016fstu cen nemovitost\u00ed a stavebn\u00edho materi\u00e1lu neust\u00e1le navy\u0161uj\u00ed. V p\u0159\u00edpad\u011b, \u017ee dlu\u017en\u00edk nen\u00ed schopen dlouhodob\u011b spl\u00e1cet, je nemovitost zabavena v\u011b\u0159itelem a n\u00e1sledn\u011b nab\u00eddnuta do dra\u017eby. Krom bankovn\u00edho sektoru m\u00e1me je\u0161t\u011b ten nebankovn\u00ed. Zde je mo\u017en\u00e9 za\u017e\u00e1dat pouze o tzv. americkou hypot\u00e9ku. Hypote\u010dn\u00ed \u00fav\u011br na bydlen\u00ed mohou poskytovat jen banky schv\u00e1len\u00e9 \u010ceskou n\u00e1rodn\u00ed bankou. Americk\u00e1 hypot\u00e9ka je mo\u017en\u00e1 tak trochu ne\u0161\u0165astn\u011b pojmenov\u00e1na, nebo\u0165 m\u00e1 s klasickou hypot\u00e9kou je pram\u00e1lo spole\u010dn\u00e9ho. Dalo by se \u0159\u00edci, \u017ee se jedn\u00e1 sp\u00ed\u0161e o dlouhodob\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br s n\u011bkter\u00fdmi prvky hypot\u00e9ky. Nav\u00edc nebankovn\u00ed spole\u010dnosti jsou v mnoh\u00fdch ohledech ke sv\u00fdm \u017eadatel\u016fm velice benevolentn\u00ed. V n\u011bkter\u00fdch spole\u010dnostech je mo\u017en\u00e9 z\u00edskat dokonce hypot\u00e9ku bez registru nebo dolo\u017een\u00ed p\u0159\u00edjm\u016f. Je jasn\u011b patrn\u00e9, \u017ee nic podobn\u00e9ho v\u00e1m klasick\u00e1 banka nen\u00ed schopna nab\u00eddnout. Benevolentnost nebankovn\u00edch spole\u010dnost\u00ed ale ur\u010dit\u011b nen\u00ed zadarmo. Naopak je zapot\u0159eb\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou a i zde je vy\u017eadov\u00e1na z\u00e1stava nemovitosti. Na hypote\u010dn\u00ed \u00fav\u011br v\u0161ak mohou dos\u00e1hnout i tac\u00ed, kter\u00fdm by se to v bance nikdy nepoda\u0159ilo.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed hypot\u00e9ka: Pro koho je ur\u010den\u00e1 a kdy j\u00ed vyu\u017e\u00edt?","item":"https:\/\/www.zemzah.cz\/nebankovni-hypoteka-pro-koho-je-urcena-a-kdy-ji-vyuzit\/#breadcrumbitem"}]}]