[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.acnc.cz\/jak-zjistit-zda-mate-narok-na-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.acnc.cz\/jak-zjistit-zda-mate-narok-na-hypoteku\/","headline":"Jak zjistit, zda m\u00e1te n\u00e1rok na hypot\u00e9ku?","name":"Jak zjistit, zda m\u00e1te n\u00e1rok na hypot\u00e9ku?","description":"Hypot\u00e9ka, posledn\u00ed dobou tolik sklo\u0148ovan\u00e9 slovo. Nen\u00ed mezi n\u00e1mi mnoho \u0161\u0165astlivc\u016f, kte\u0159\u00ed si mohou dovolit po\u0159\u00eddit nemovitost, \u010di financovat chod[...]","datePublished":"2022-07-09","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.acnc.cz\/author\/#Person","name":"","url":"https:\/\/www.acnc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"acnc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.acnc.cz\/wp-content\/uploads\/credit-cards-1583534_640_5.jpg","url":"https:\/\/www.acnc.cz\/wp-content\/uploads\/credit-cards-1583534_640_5.jpg","height":0,"width":0},"url":"https:\/\/www.acnc.cz\/jak-zjistit-zda-mate-narok-na-hypoteku\/","about":["Finance"],"wordCount":405,"articleBody":"      Hypot\u00e9ka, posledn\u00ed dobou tolik sklo\u0148ovan\u00e9 slovo. Nen\u00ed mezi n\u00e1mi mnoho \u0161\u0165astlivc\u016f, kte\u0159\u00ed si mohou dovolit po\u0159\u00eddit nemovitost, \u010di financovat chod firmy, nebo jin\u00e9 pohled\u00e1vky, z vlastn\u00ed kapsy. Na\u0161et\u0159it dostate\u010dn\u00fd obnos toti\u017e n\u011bjakou dobu trv\u00e1, a ten kdo pot\u0159ebuje pen\u00edze hned, si nem\u016f\u017ee dovolit \u010dekat. Jak ale zjistit, zda dos\u00e1hnete na hypot\u00e9ku?Kde lze o hypot\u00e9ku \u017e\u00e1dat?Pt\u00e1te se n\u011bkdy sebe sam\u00fdch: dostanu hypot\u00e9ku v bance, nebo n\u011bkde jinde? Na takovou ot\u00e1zku nelze odpov\u011bd\u011bt jednodu\u0161e, proto\u017ee to do jist\u00e9 m\u00edry z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00ed instituci. Obecn\u011b v\u0161ak plat\u00ed, \u017ee podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky v bance jsou mnohem n\u00e1ro\u010dn\u011bj\u0161\u00ed, ne\u017e kdy\u017e se jedn\u00e1 o nebankovn\u00ed spole\u010dnost, kter\u00e1 nem\u00e1 tak p\u0159\u00edsn\u011b nastaven\u00e9 mantinely pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Mnoho lid\u00ed tedy nejprve vyzkou\u0161\u00ed zaj\u00edt do banky, a v p\u0159\u00edpad\u011b odm\u00edtnut\u00ed kontaktuj\u00ed spolehlivou nebankovn\u00ed spole\u010dnost, kde u\u017e obvykle hypot\u00e9ku z\u00edskaj\u00ed.Jak\u00e9 jsou podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky?V bance plat\u00ed, \u017ee abyste z\u00edskali hypot\u00e9ku, mus\u00edte m\u00edt \u010dist\u00fd registr, dostate\u010dn\u00e9 p\u0159\u00edjmy, a na\u0161et\u0159eno alespo\u0148 20% ze sumy, kterou pot\u0159ebujete. Nebankovn\u00ed spole\u010dnosti pak snadno p\u0159ehl\u00e9dnou n\u011bjak\u00fd ten z\u00e1znam v registru, jedn\u00e1-li se o drobn\u00fd p\u0159e\u0161lap, dostate\u010dn\u00e9 p\u0159\u00edjmy jsou zde posuzov\u00e1ny m\u00edrn\u011bji, a m\u011bli byste m\u00edt na\u0161et\u0159eno 30% z pot\u0159ebn\u00e9 sumy, nebo m\u00edt po boku n\u011bkoho, kdo se za v\u00e1s zaru\u010d\u00ed jako spolu\u017eadatel.Co jsou dostate\u010dn\u00e9 p\u0159\u00edjmy?V p\u0159\u00edpad\u011b banky jsou dostate\u010dn\u00e9 p\u0159\u00edjmy vlastn\u011b sp\u00ed\u0161 nadstandardn\u00ed p\u0159\u00edjmy. A\u010dkoliv byste toti\u017e zvl\u00e1dali spl\u00e1cet spl\u00e1tky i s \u00faroky, a k tomu platit ve\u0161ker\u00e9 dal\u0161\u00ed v\u011bci, jako jsou energie, j\u00eddlo, z\u00e1jmy atd., bance to sta\u010dit nemus\u00ed. V p\u0159\u00edpad\u011b nebankovn\u00ed spole\u010dnosti v\u0161ak posta\u010d\u00ed takov\u00e9 p\u0159\u00edjmy, kter\u00e9 prokazuj\u00ed va\u0161i schopnost spl\u00e1cet.Co kdy\u017e nem\u00e1m n\u00e1rok?Pokud jsou va\u0161e p\u0159\u00edjmy neprokazateln\u00e9, nebo je zde jin\u00fd d\u016fvod, pro\u010d byste nedos\u00e1hli na hypot\u00e9ku, m\u016f\u017eete po\u017e\u00e1dat osobu bl\u00edzkou, aby se v\u00e1m stala spolu\u017eadatelem, neb ose v\u00e1m zaru\u010dila vlastn\u00ed nemovitost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak zjistit, zda m\u00e1te n\u00e1rok na hypot\u00e9ku?","item":"https:\/\/www.acnc.cz\/jak-zjistit-zda-mate-narok-na-hypoteku\/#breadcrumbitem"}]}]