[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bezhlavi.cz\/jsou-nebankovni-hypoteky-bezpecne\/#Article","mainEntityOfPage":"https:\/\/www.bezhlavi.cz\/jsou-nebankovni-hypoteky-bezpecne\/","headline":"Jsou nebankovn\u00ed hypot\u00e9ky bezpe\u010dn\u00e9?","name":"Jsou nebankovn\u00ed hypot\u00e9ky bezpe\u010dn\u00e9?","description":"Stejn\u011b jako v minulosti, vyvol\u00e1v\u00e1 i dnes spojen\u00ed vz\u00edt si p\u016fj\u010dku v mnoha lidech nep\u0159\u00edjemn\u00e9 pocity. A nen\u00ed divu, koneckonc\u016f se pro dlu\u017en\u00edka m\u00e1lokdy jedn\u00e1 o v\u00fdhodn\u00fd obchod. P\u0159esto existuje prakticky ji\u017e od vyn\u00e1lezu pen\u011bz. Lid\u00e9 jsou zkr\u00e1tka takov\u00ed, \u017ee to, po \u010dem tou\u017e\u00ed, cht\u011bj\u00ed m\u00edt hned, a je jim celkem jedno, \u017ee v d\u016fsledku […]","datePublished":"2020-07-19","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.bezhlavi.cz\/author\/#Person","name":"","url":"https:\/\/www.bezhlavi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bezhlavi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bezhlavi.cz\/wp-content\/uploads\/hypoteka4_10_4.jpg","url":"https:\/\/www.bezhlavi.cz\/wp-content\/uploads\/hypoteka4_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.bezhlavi.cz\/jsou-nebankovni-hypoteky-bezpecne\/","about":["Finance"],"wordCount":424,"articleBody":"   Stejn\u011b jako v minulosti, vyvol\u00e1v\u00e1 i dnes spojen\u00ed vz\u00edt si p\u016fj\u010dku v mnoha lidech nep\u0159\u00edjemn\u00e9 pocity. A nen\u00ed divu, koneckonc\u016f se pro dlu\u017en\u00edka m\u00e1lokdy jedn\u00e1 o v\u00fdhodn\u00fd obchod. P\u0159esto existuje prakticky ji\u017e od vyn\u00e1lezu pen\u011bz. Lid\u00e9 jsou zkr\u00e1tka takov\u00ed, \u017ee to, po \u010dem tou\u017e\u00ed, cht\u011bj\u00ed m\u00edt hned, a je jim celkem jedno, \u017ee v d\u016fsledku za to zaplat\u00ed \u010dasto i dvojn\u00e1sobnou cenu.V sou\u010dasn\u00e9 dob\u011b v\u0161ak m\u00e1me je\u0161t\u011b dal\u0161\u00ed d\u011blen\u00ed, a to podle toho, kter\u00e1 firma pen\u00edze poskytuje. Je to banka, nebo n\u011bkter\u00e1 z finan\u010dn\u00edch spole\u010dnost\u00ed, specializuj\u00edc\u00edch se pr\u00e1v\u011b na nejr\u016fzn\u011bj\u0161\u00ed typy p\u016fj\u010dek?Faktem je, \u017ee m\u00e1me doposud za\u017eito, \u017ee banky jsou solidn\u00ed, respektovan\u00fd v\u00fdb\u011br, zat\u00edmco ty druh\u00e9 pova\u017eujeme p\u0159inejlep\u0161\u00edm za lichv\u00e1\u0159e, kte\u0159\u00ed se n\u00e1s budou sna\u017eit obrat o posledn\u00ed pen\u00edze. Je to v\u0161ak pravda?Faktem je, \u017ee i naprost\u00e1 v\u011bt\u0161ina bank je dnes v ruk\u00e1ch soukrom\u00fdch vlastn\u00edk\u016f. I ony jsou tedy sou\u010d\u00e1st\u00ed trhu a konkuren\u010dn\u00edho boje. To tak\u00e9 znamen\u00e1, \u017ee se sna\u017e\u00ed vyd\u011blat co nejv\u00edce pen\u011bz. A mezi jeden z nejlep\u0161\u00edch zp\u016fsob\u016f pat\u0159\u00ed pr\u00e1v\u011b poskytov\u00e1n\u00ed p\u016fj\u010dek. Sta\u010d\u00ed si jen vzpomenout, kolik reklam v televizi vid\u00edme, kde pen\u00edze p\u016fj\u010duje pouze banka.Ov\u0161em p\u016fj\u010dky nemus\u00ed b\u00fdt jen o tom, \u017ee v\u00e1m dan\u00e1 spole\u010dnost poskytne n\u011bjakou \u010d\u00e1stku, a vy s n\u00ed nalo\u017e\u00edte podle libosti. Dnes ji\u017e v\u0161echny firmy maj\u00ed v nab\u00eddce i \u00fa\u010delov\u00e9 p\u016fj\u010dky. P\u0159\u00edkladem mohou b\u00fdt nebankovn\u00ed hypot\u00e9ky, co\u017e je \u00fa\u010delov\u00e1 p\u016fj\u010dka poskytovan\u00e1 nebankovn\u00ed spole\u010dnost\u00ed, ur\u010den\u00e1 k n\u00e1kupu \u010di rekonstrukci p\u0159edem dan\u00e9 nemovitosti.Co se podm\u00ednek a \u00farok\u016f t\u00fd\u010de, tak ty jsou o obou srovnateln\u00e9. Je v\u0161ak fakt, \u017ee banky maj\u00ed \u010dasto p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky, kter\u00e9 mus\u00ed ze z\u00e1kona dodr\u017eovat. Nem\u016f\u017ee tedy nab\u00edzet n\u011bkter\u00e9 produkty, kter\u00e9 maj\u00ed nebankovn\u00ed spole\u010dnosti b\u011b\u017en\u011b ve sv\u00e9m portfoliu.Z\u00e1le\u017e\u00ed tedy nakonec jen na v\u00e1s, pro kterou se rozhodnete. A\u0165 u\u017e to v\u0161ak vy\u0159e\u0161\u00edte jakkoliv, m\u011bjte na pam\u011bti, \u017ee je velmi d\u016fle\u017eit\u00e9 si \u0159\u00e1dn\u011b prostudovat podm\u00ednky a p\u0159e\u010d\u00edst smlouvu. Jen tak se nenap\u00e1l\u00edte.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jsou nebankovn\u00ed hypot\u00e9ky bezpe\u010dn\u00e9?","item":"https:\/\/www.bezhlavi.cz\/jsou-nebankovni-hypoteky-bezpecne\/#breadcrumbitem"}]}]