[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.noor.cz\/hypoteka-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.noor.cz\/hypoteka-pro-kazdeho\/","headline":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","description":"Hypot\u00e9ka je jeden z nejobl\u00edben\u011bj\u0161\u00edch \u00fav\u011brov\u00fdch produkt\u016f na\u0161ich bank. Nen\u00ed se \u010demu divit, jen m\u00e1lokdo netou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, kde by nebyl sv\u00e1z\u00e1n pravidly a striktn\u00edmi na\u0159\u00edzen\u00edmi pronaj\u00edmatele. Ov\u0161em jen<p class=\"more-link\"><a href=\"https:\/\/www.noor.cz\/hypoteka-pro-kazdeho\/\" class=\"readmore\">P\u0159e\u010d\u00edst p\u0159\u00edsp\u011bvek<span class=\"screen-reader-text\">Hypot\u00e9ka pro ka\u017ed\u00e9ho?<\/span><\/a><\/p>","datePublished":"2021-05-07","dateModified":"2021-05-07","author":{"@type":"Person","@id":"https:\/\/www.noor.cz\/author\/#Person","name":"","url":"https:\/\/www.noor.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"noor.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.noor.cz\/wp-content\/uploads\/%C5%BE%C3%A1dost%20o%20%C3%BAv%C4%9Br_1.jpg","url":"https:\/\/www.noor.cz\/wp-content\/uploads\/%C5%BE%C3%A1dost%20o%20%C3%BAv%C4%9Br_1.jpg","height":0,"width":0},"url":"https:\/\/www.noor.cz\/hypoteka-pro-kazdeho\/","about":["Www"],"wordCount":400,"articleBody":"   Hypot\u00e9ka je jeden z nejobl\u00edben\u011bj\u0161\u00edch \u00fav\u011brov\u00fdch produkt\u016f na\u0161ich bank. Nen\u00ed se \u010demu divit, jen m\u00e1lokdo netou\u017e\u00ed po vlastn\u00edm bydlen\u00ed, kde by nebyl sv\u00e1z\u00e1n pravidly a striktn\u00edmi na\u0159\u00edzen\u00edmi pronaj\u00edmatele. Ov\u0161em jen m\u00e1lokdo dok\u00e1\u017ee tento sen prom\u011bnit v realitu s vlastn\u00edmi finan\u010dn\u00edmi prost\u0159edky. A proto se st\u00e1le v\u00edce lid\u00ed uchyluje k jedin\u00e9mu re\u00e1ln\u00e9mu \u0159e\u0161en\u00ed \u2013 hypot\u00e9ce. Doba se ov\u0161em pon\u011bkud zm\u011bnila a podm\u00ednky ro z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru jsou ka\u017ed\u00fdm rokem p\u0159\u00edsn\u011bj\u0161\u00ed. M\u016f\u017ee za to \u010cesk\u00e1 n\u00e1rodn\u00ed banka, kter\u00e1 pravideln\u011b upravuje podm\u00ednky de aktu\u00e1ln\u00ed ekonomick\u00e9 situace v zemi. Naposledy tak u\u010dinila v dubnu lo\u0148sk\u00e9ho roku, kdy reagovala na na\u0159\u00edzen\u00ed vl\u00e1dy. Je to tak\u00e9 n\u011bkolik let zp\u00e1tky, kdy \u010cNB na\u0159\u00eddila bankovn\u00edm poskytovatel\u016fm d\u016fkladnou lustraci jejich \u017eadatel\u016f o \u00fav\u011br. V p\u0159\u00edpad\u011b, \u017ee by tak neu\u010dinily, by to pro n\u011b mohlo znamenat nedoz\u00edrn\u00e9 n\u00e1sledky. Dlu\u017en\u00edk by mohl cel\u00fd \u00fav\u011br napadnout pro jeho neplatnost a v p\u0159\u00edpad\u011b zji\u0161t\u011bn\u00ed pochyben\u00ed by nemusel platit \u017e\u00e1dn\u00e9 \u00faroky ani poplatky. Ji\u017e zaplacen\u00e9 \u00faroky by se mu vr\u00e1tily zp\u011bt a dlu\u017enou \u010d\u00e1stku by spl\u00e1cel dle sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Za zam\u00edtnut\u00fdm \u00fav\u011brem tak nehledejte neochotu bankovn\u00edch instituc\u00ed, ale sp\u00ed\u0161e slo\u017eitou legislativu. Ta m\u00e1 prim\u00e1rn\u011b chr\u00e1nit banky, ale i samotn\u00e9 \u017eadatele. Pomalu ale jist\u011b se na sc\u00e9n\u011b s hypote\u010dn\u00edmi \u00fav\u011bry objevuj\u00ed i nebankovn\u00ed spole\u010dnosti, kter\u00e9 prim\u00e1rn\u011b c\u00edl\u00ed na probl\u00e9mov\u00e9 \u017eadatele, kter\u00fdm banky odm\u00edtly p\u016fj\u010dit. Jejich americk\u00e1 ne\u00fa\u010delov\u00e1 hypot\u00e9ka tak nab\u00edz\u00ed p\u0159\u00edle\u017eitost, jak si sen t\u0159eba o vlastn\u00edm bydlen\u00ed p\u0159eci jenom splnit. Tak jako v bank\u00e1ch, i zde bude zapot\u0159eb\u00ed ru\u010dit nemovitost\u00ed a i kdy\u017e se jedn\u00e1 o stejn\u00fd druh hypot\u00e9ky, je zapot\u0159eb\u00ed po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou. Nebankovn\u00ed spole\u010dnosti jsou v\u0161ak v mnoh\u00e9m benevolentn\u011bj\u0161\u00ed a na hypot\u00e9ku zde m\u016f\u017eete dos\u00e1hnout p\u0159eci jenom snadn\u011bji. Tak pro kterou z t\u011bchto dvou variant se rozhodnete?                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka pro ka\u017ed\u00e9ho?","item":"https:\/\/www.noor.cz\/hypoteka-pro-kazdeho\/#breadcrumbitem"}]}]