[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.njorek.cz\/nam-je-treba-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.njorek.cz\/nam-je-treba-hypoteka\/","headline":"N\u00e1m je t\u0159eba hypot\u00e9ka","name":"N\u00e1m je t\u0159eba hypot\u00e9ka","description":"Na rozd\u00edl od t\u011bch dvou v\u00fd\u0161e zm\u00edn\u011bn\u00fdch, tedy hlem\u00fd\u017ed\u011b a \u017eelvy, je \u010dlov\u011bk chud\u00e1k. A\u010d jde o p\u00e1na tvorstva, kter\u00fd by m\u011bl b\u00fdt coby vl\u00e1dce v\u0161eho kolem privilegov\u00e1n, rod\u00ed se tento zpravidla bez st\u0159echy nad hlavou. Sice v tu chv\u00edli m\u00edv\u00e1 kde bydlet, ale jde o pobyt pod st\u0159echou jeho rodi\u010d\u016f, u kter\u00e9 nen\u00ed automaticky […]","datePublished":"2019-02-25","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.njorek.cz\/author\/#Person","name":"","url":"https:\/\/www.njorek.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"njorek.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.njorek.cz\/wp-content\/uploads\/img_a338455_w2694_t1551182577.jpg","url":"https:\/\/www.njorek.cz\/wp-content\/uploads\/img_a338455_w2694_t1551182577.jpg","height":0,"width":0},"url":"https:\/\/www.njorek.cz\/nam-je-treba-hypoteka\/","wordCount":564,"articleBody":" Na rozd\u00edl od t\u011bch dvou v\u00fd\u0161e zm\u00edn\u011bn\u00fdch, tedy hlem\u00fd\u017ed\u011b a \u017eelvy, je \u010dlov\u011bk chud\u00e1k. A\u010d jde o p\u00e1na tvorstva, kter\u00fd by m\u011bl b\u00fdt coby vl\u00e1dce v\u0161eho kolem privilegov\u00e1n, rod\u00ed se tento zpravidla bez st\u0159echy nad hlavou. Sice v tu chv\u00edli m\u00edv\u00e1 kde bydlet, ale jde o pobyt pod st\u0159echou jeho rodi\u010d\u016f, u kter\u00e9 nen\u00ed automaticky jist\u00e9, \u017ee z\u016fstane jeho celo\u017eivotn\u011b; sp\u00ed\u0161e je pravd\u011bpodobn\u00e9, \u017ee odsud jednou vylet\u00ed kamsi do \u0161ir\u00e9ho sv\u011bta. Ov\u0161em kdy\u017e nadejde \u010das k tomu, aby opustil pomysln\u00e9 rodn\u00e9 hn\u00edzdo, nejednou po\u0159\u00e1dn\u011b nev\u00ed, kam se vrtnout. Proto\u017ee nemovitosti se v na\u0161ich kon\u010din\u00e1ch nerozd\u00e1vaj\u00ed automaticky v\u0161em pot\u0159ebn\u00fdm, \u010dlov\u011bk si mus\u00ed n\u011bjakou takovou bu\u010f s\u00e1m postavit, nebo vyhl\u00e9dnout, pronajmout \u010di koupit a zaplatit. A to b\u00fdv\u00e1 ten nejv\u011bt\u0161\u00ed k\u00e1men \u00farazu. Proto\u017ee stejn\u011b jako se u n\u00e1s nerozd\u00e1vaj\u00ed nemovitosti na potk\u00e1n\u00ed, nerostou tu ani pen\u00edze na stromech. A u\u017e v\u016fbec ne v takov\u00e9m mno\u017estv\u00ed, aby si \u010dlov\u011bk po\u010dkal pod stromem na podzim a pak si nasb\u00edral ty, co opadaly. Na bydlen\u00ed si je t\u0159eba sehnat pen\u00edze n\u011bkde jinde. A je \u010dasto dost obt\u00ed\u017en\u00e9 se rozhodnout, kde. Nen\u00ed-li \u010dlov\u011bk toti\u017e v n\u011bkter\u00e9m ohledu ide\u00e1ln\u00edm \u017eadatelem, jen tak n\u011bkdo mu nep\u016fj\u010d\u00ed, jen tak n\u011bkdo nebude riskovat, \u017ee by se u\u017e tak\u00e9 nemusel se sv\u00fdm nemal\u00fdm jm\u011bn\u00edm nikdy setkat. A tak t\u0159eba banka nahl\u00e9dne do registru dlu\u017en\u00edk\u016f, uv\u00e1\u017e\u00ed, kolik je asi tak doty\u010dn\u00fd \u017eadatel schopen spl\u00e1cet ze sv\u00fdch p\u0159\u00edjm\u016f, a jestli pojme n\u011bjak\u00e9 pochybnosti, \u017e\u00e1dost o p\u016fj\u010dku jednodu\u0161e zam\u00edtne. Je to snaz\u0161\u00ed ne\u017e se n\u011bkdy v budoucnu tahat o pen\u00edze. A \u010dlov\u011bku pak nejednou nezb\u00fdv\u00e1, ne\u017e se porozhl\u00e9dnout n\u011bkde jinde. T\u0159eba u n\u011bjak\u00e9 nebankovn\u00ed spole\u010dnosti, kde se m\u016f\u017ee nab\u00edzet dejme tomu hypot\u00e9ka bez registru. Co\u017e je vlastn\u011b takov\u00e1 . Proto\u017ee na rozd\u00edl od bankovn\u00ed p\u016fj\u010dky nejsou zde na \u017eadatele kladen\u00e9 n\u00e1roky zase a\u017e tak velk\u00e9 a rovn\u011b\u017e cel\u00fd proces z\u00edsk\u00e1v\u00e1n\u00ed takov\u00e9 p\u016fj\u010dky je daleko jednodu\u0161\u0161\u00ed. V\u0161e tu prob\u00edh\u00e1 daleko rychleji a pohodln\u011bji, podm\u00ednky jsou tu daleko jednodu\u0161\u0161\u00ed a p\u0159ehledn\u011bj\u0161\u00ed, po\u017eadavky jakbysmet. Moc se tu ne\u0159e\u0161\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, n\u00edzk\u00e9 p\u0159\u00edjmy \u017eadatele nemus\u00ed b\u00fdt p\u0159ek\u00e1\u017ekou, \u010dlov\u011bk si dokonce m\u016f\u017ee vybrat i z toho, jak dlouho a v jak velk\u00fdch spl\u00e1tk\u00e1ch chce a m\u016f\u017ee sv\u016fj dluh n\u00e1sledn\u011b spl\u00e1cet. Plus si m\u016f\u017ee p\u016fj\u010dit p\u0159esn\u011b tolik, kolik je mu zapot\u0159eb\u00ed. Jedin\u00e9, co m\u016f\u017ee takovou nebankovn\u00ed hypot\u00e9ku zhatit, je tak vlastn\u011b to, \u017ee je t\u0159eba d\u00e1t coby z\u00e1ruku za tuto do z\u00e1stavy n\u011bjakou svoji nemovitost. Kterou \u2013 jak zazn\u011blo u\u017e v \u00favodu \u2013 ne ka\u017ed\u00fd m\u00e1. Proto\u017ee \u010dlov\u011bk nen\u00ed hlem\u00fd\u017e\u010f ani \u017eelva. Ale t\u00edm, \u017ee si vezme tuto hypot\u00e9ku, dokazuje, \u017ee nen\u00ed ani osel.                                                                                                                                                                                                                                                                                                                                                                                         4.5\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00e1m je t\u0159eba hypot\u00e9ka","item":"https:\/\/www.njorek.cz\/nam-je-treba-hypoteka\/#breadcrumbitem"}]}]