[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.raes.cz\/bankovni-vs-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.raes.cz\/bankovni-vs-nebankovni-hypoteky\/","headline":"Bankovn\u00ed vs. nebankovn\u00ed hypot\u00e9ky","name":"Bankovn\u00ed vs. nebankovn\u00ed hypot\u00e9ky","description":"Hypote\u010dn\u00ed \u00fav\u011bry asi nen\u00ed zapot\u0159eb\u00ed p\u0159\u00edli\u0161 p\u0159edstavovat, najdeme je v \u0159ad\u011b bankovn\u00edch ale i nebankovn\u00edch instituc\u00ed. Jedn\u00e1 se vlastn\u011b o vy\u0161\u0161\u00ed \u00fav\u011br, kter\u00fd je zpravidla … ","datePublished":"2022-02-11","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.raes.cz\/author\/#Person","name":"","url":"https:\/\/www.raes.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"raes.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.raes.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_10_10_10.jpg","url":"https:\/\/www.raes.cz\/wp-content\/uploads\/podpis%20smlouvy_10_10_10_10_10_10_10_10_10_10_10_10_10.jpg","height":0,"width":0},"url":"https:\/\/www.raes.cz\/bankovni-vs-nebankovni-hypoteky\/","about":["Ekonomika"],"wordCount":388,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011bry asi nen\u00ed zapot\u0159eb\u00ed p\u0159\u00edli\u0161 p\u0159edstavovat, najdeme je v \u0159ad\u011b bankovn\u00edch ale i nebankovn\u00edch instituc\u00ed. Jedn\u00e1 se vlastn\u011b o vy\u0161\u0161\u00ed \u00fav\u011br, kter\u00fd je zpravidla sv\u00e1z\u00e1n nemovitost\u00ed. I d\u00edky tomu v\u0161ak tyto \u00fav\u011brov\u00e9 produkty nab\u00edz\u00ed dlu\u017en\u00edk\u016fm zpravidla nejv\u00fdhodn\u011bj\u0161\u00ed \u00farok. Ten v sou\u010dasnosti m\u016f\u017ee za\u010d\u00edt u\u017e na 2,87%, co\u017e v\u016fbec nelze srovn\u00e1vat s dlouhodob\u00fdmi spot\u0159ebitelsk\u00fdmi \u00fav\u011bry, kde se \u00farok pohybuje vysoko nad 10%. Ov\u0161em vlna inflace zap\u016fsobila i na \u00farokov\u00e9 sazby a tak se za\u010d\u00e1tkem dubna v\u0161e zm\u011bn\u00ed. Poj\u010fme si te\u010f ale \u0159\u00edci, kter\u00e1 hypot\u00e9ka je vlastn\u011b v\u00fdhodn\u011bj\u0161\u00ed. \u00darokov\u00e1 sazbaV tomto ohledu vyhr\u00e1vaj\u00ed bezesporu bankovn\u00ed hypot\u00e9ky, kter\u00e9 nab\u00edz\u00ed daleko p\u0159\u00edzniv\u011bj\u0161\u00ed \u00farokovou sazbu ne\u017e nebankovn\u00ed spole\u010dnosti. Ov\u0161em tak\u00e9 z\u00e1le\u017e\u00ed na okolnostech a historii \u017eadatele. Zat\u00edmco nebankovn\u00ed spole\u010dnosti \u017eadatele p\u0159\u00edli\u0161 neprov\u011b\u0159uj\u00ed, v bank\u00e1ch na v\u00e1s bude \u010dekat zdlouhav\u00fd schvalovac\u00ed proces. St\u00e1le tak p\u0159ib\u00fdv\u00e1 zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. I kdyby banky cht\u011bly p\u016fj\u010dit ka\u017ed\u00e9mu \u017eadateli, kter\u00fd si p\u0159ijde do banky pro \u00fav\u011br, legislativa jim to neumo\u017en\u00ed. \u010cesk\u00e1 n\u00e1rodn\u00ed banka toti\u017e sleduje ve\u0161ker\u00e9 bankovn\u00ed subjekty a jejich postupy p\u0159i schvalov\u00e1n\u00ed \u00fav\u011br\u016f. I kdyby tedy p\u016fj\u010dit cht\u011bly, nen\u00ed jim to dovoleno. Podm\u00ednkyV tomto ohledu zase na pln\u00e9 \u010d\u00e1\u0159e vyhr\u00e1vaj\u00ed nebankovn\u00ed hypot\u00e9ky fahd.cz. Mohou toti\u017e o n\u011b \u017e\u00e1dat i ti, kte\u0159\u00ed dostali v bance ko\u0161em. Pov\u011bt\u0161inou se jedn\u00e1 o \u017eadatele, kte\u0159\u00ed maj\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00fd \u010di \u0161patn\u011b dolo\u017eiteln\u00fd p\u0159\u00edjem anebo \u017eadatel\u00e9 s negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f. M\u016f\u017ee se v\u0161ak jednat pouze o \u017eadatele, kter\u00fd spad\u00e1 do jedn\u00e9 z rizikov\u00fdch skupin. V\u011bt\u0161inou se jedn\u00e1 o student, maminky na mate\u0159sk\u00e9 dovolen\u00e9, rodi\u010de samo\u017eivitele nebo d\u016fchodce. U t\u011bch v\u0161ech hroz\u00ed riziko v\u00fdpadku p\u0159\u00edjmu a pro banku nepat\u0159\u00ed mezi d\u016fv\u011bryhodn\u00e9 \u017eadatele. I v tomto p\u0159\u00edpad\u011b v\u0161ak m\u016f\u017ee pomoci pr\u00e1v\u011b nebankovn\u00ed spole\u010dnost. V bance by takov\u00ed \u017eadatel\u00e9 nem\u011bli nikdy \u0161anci usp\u011bt.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed vs. nebankovn\u00ed hypot\u00e9ky","item":"https:\/\/www.raes.cz\/bankovni-vs-nebankovni-hypoteky\/#breadcrumbitem"}]}]