[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tisina.cz\/co-je-to-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.tisina.cz\/co-je-to-nebankovni-hypoteka\/","headline":"Co je to nebankovn\u00ed hypot\u00e9ka?","name":"Co je to nebankovn\u00ed hypot\u00e9ka?","description":"Jedn\u00e1 se o hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd v\u00e1m poskytne nebankovn\u00ed instituce. \u00dav\u011br se p\u016fj\u010duje na z\u00e1klad\u011b zastaven\u00ed jin\u00e9 nemovitosti nebo dru\u017estevn\u00edho bytu. \u017d\u00e1daj\u00ed o n\u011bj zpravidla ti, jim\u017e bankovn\u00ed subjekty neumo\u017e\u0148uj\u00ed z\u00edskat bankovn\u00ed hypot\u00e9ku, a to z jak\u00fdchkoliv d\u016fvod\u016f. Mezi tyto p\u0159ek\u00e1\u017eky m\u016f\u017ee pat\u0159it nap\u0159\u00edklad to, \u017ee jsou zaps\u00e1ni v Centr\u00e1ln\u00edm registru dlu\u017en\u00edk\u016f \u010cR nebo Registru […]","datePublished":"2019-10-04","dateModified":"2019-10-04","author":{"@type":"Person","@id":"https:\/\/www.tisina.cz\/author\/#Person","name":"","url":"https:\/\/www.tisina.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d89f66f31d15c86aaa67b2d500e11b783534f791bc2a93dd89895a03d043c162?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d89f66f31d15c86aaa67b2d500e11b783534f791bc2a93dd89895a03d043c162?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tisina.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tisina.cz\/wp-content\/uploads\/img_a368393_w1767_t1580581943.jpg","url":"https:\/\/www.tisina.cz\/wp-content\/uploads\/img_a368393_w1767_t1580581943.jpg","height":0,"width":0},"url":"https:\/\/www.tisina.cz\/co-je-to-nebankovni-hypoteka\/","about":["Pen\u00edze"],"wordCount":385,"articleBody":"   Jedn\u00e1 se o hypote\u010dn\u00ed \u00fav\u011br, kter\u00fd v\u00e1m poskytne nebankovn\u00ed instituce. \u00dav\u011br se p\u016fj\u010duje na z\u00e1klad\u011b zastaven\u00ed jin\u00e9 nemovitosti nebo dru\u017estevn\u00edho bytu. \u017d\u00e1daj\u00ed o n\u011bj zpravidla ti, jim\u017e bankovn\u00ed subjekty neumo\u017e\u0148uj\u00ed z\u00edskat bankovn\u00ed hypot\u00e9ku, a to z jak\u00fdchkoliv d\u016fvod\u016f. Mezi tyto p\u0159ek\u00e1\u017eky m\u016f\u017ee pat\u0159it nap\u0159\u00edklad to, \u017ee jsou zaps\u00e1ni v Centr\u00e1ln\u00edm registru dlu\u017en\u00edk\u016f \u010cR nebo Registru dlu\u017en\u00edk\u016f Solus, d\u00e1le nedisponuj\u00ed dostate\u010dn\u00fdm p\u0159\u00edjmem ke kryt\u00ed \u00fav\u011bru nebo nem\u016f\u017eou dolo\u017eit v\u00fd\u0161i p\u0159\u00edjmu.  Spole\u010dnost\u00ed, kter\u00e1 se zab\u00fdv\u00e1 zprost\u0159edkov\u00e1n\u00edm nebankovn\u00ed hypot\u00e9ky m\u016f\u017ee b\u00fdt nap\u0159\u00edklad soukrom\u00e9 obchodn\u00ed \u010di leasingov\u00e1 spole\u010dnost nebo tak\u00e9 dru\u017estevn\u00ed z\u00e1lo\u017ena. V\u00fd\u0161e jejich poskytov\u00e1n\u00ed m\u016f\u017ee b\u00fdt a\u017e do 70 % z odhadovan\u00e9 ceny nemovitosti. Dobu spl\u00e1cen\u00ed si m\u016f\u017ee klient nastavit v\u011bt\u0161inou od jednoho roka a a\u017e do 30 let. Vy\u0161\u0161\u00ed m\u00edra \u00farokov\u00e9 sazby je u t\u011bchto nebankovn\u00edch hypot\u00e9k cenou za to, \u017ee instituce tolik neprov\u011b\u0159uj\u00ed bonitu klienta a ned\u00edvaj\u00ed se do na jeho z\u00e1pis v registru dlu\u017en\u00edk\u016f. Celkov\u011b lze \u0159\u00edci, \u017ee nebankovn\u00ed nebankovn\u00ed \u00fav\u011bry jsou jednodu\u0161\u0161\u00ed na administrativu pro ob\u011b strany. \u017d\u00e1dost proto b\u00fdv\u00e1 rychleji schv\u00e1lena ne\u017e tomu b\u00fdv\u00e1 u hypot\u00e9k bankovn\u00edch. Dnes je mo\u017en\u00e9 si tento druh p\u016fj\u010dky sjednat p\u0159es internet, kde klient vypln\u00ed pouze webov\u00fd formul\u00e1\u0159 a z\u00e1rove\u0148 si m\u016f\u017ee sjednat i produkty jednotliv\u00fdch instituc\u00ed. Co\u017e pom\u016f\u017ee vybrat takov\u00fd, kter\u00fd je nejvhodn\u011bj\u0161\u00ed pro konkr\u00e9tn\u00edho z\u00e1kazn\u00edka. Na co v\u0161echno lze nebankovn\u00ed hypot\u00e9ku vyu\u017e\u00edt? – ne\u00fa\u010delov\u00fd \u00fav\u011br, nebo-li americk\u00e1 hypot\u00e9ka – na dru\u017estevn\u00ed byt – na pron\u00e1jem – na konsolidaci dluh\u016f – na splacen\u00ed exekuce nebo exekuc\u00ed  Doklady, kter\u00e9 jsou nutn\u00e9 pro sjedn\u00e1n\u00ed hypot\u00e9ky: – dva doklady toto\u017enosti a jejich kopie – v p\u0159\u00edpad\u011b ru\u010den\u00ed dru\u017estevn\u00edm bytem budete pot\u0159ebovat n\u00e1jemn\u00ed smlouvu \u010di eviden\u010dn\u00ed list – v p\u0159\u00edpad\u011b ru\u010den\u00ed vlastn\u00ed nemovitost\u00ed budete pot\u0159ebovat kupn\u00ed \u010di darovac\u00ed smlouvu, z\u00e1pis o d\u011bdictv\u00ed – fotografie nemovitosti – a ostatn\u00ed dle p\u0159\u00edslu\u0161n\u00e9 spole\u010dnosti                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to nebankovn\u00ed hypot\u00e9ka?","item":"https:\/\/www.tisina.cz\/co-je-to-nebankovni-hypoteka\/#breadcrumbitem"}]}]