[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hass.cz\/jaka-rizika-prinasi-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.hass.cz\/jaka-rizika-prinasi-nebankovni-hypoteka\/","headline":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed nebankovn\u00ed hypot\u00e9ka","name":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed nebankovn\u00ed hypot\u00e9ka","description":"M\u00edt vlastn\u00ed d\u016fm \u010di byt je snem mnoha z n\u00e1s. A jednou https:\/\/www.maminka.cz\/tema\/dostatecna-hydratace z cest, jak si jej splnit, je nebankovn\u00ed hypot\u00e9ka. O co se jedn\u00e1? Jde o \u00fa\u010delovou p\u016fj\u010dku, poskytovanou nebankovn\u00ed spole\u010dnost\u00ed, slou\u017e\u00edc\u00ed k n\u00e1kupu \u010di rekonstrukci nemovitosti. P\u016fj\u010den\u00e1 \u010d\u00e1stka se p\u0159\u00edmo odv\u00edj\u00ed od ceny p\u0159edm\u011btn\u00e9 nemovitosti, je tedy t\u0159eba si ji nejprve vyhl\u00e9dnout...","datePublished":"2020-01-19","dateModified":"2020-01-19","author":{"@type":"Person","@id":"https:\/\/www.hass.cz\/author\/#Person","name":"","url":"https:\/\/www.hass.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hass.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hass.cz\/wp-content\/uploads\/img_a378807_w4295_t1590045909.jpg","url":"https:\/\/www.hass.cz\/wp-content\/uploads\/img_a378807_w4295_t1590045909.jpg","height":0,"width":0},"url":"https:\/\/www.hass.cz\/jaka-rizika-prinasi-nebankovni-hypoteka\/","about":["Ekonomika"],"wordCount":475,"articleBody":"  M\u00edt vlastn\u00ed d\u016fm \u010di byt je snem mnoha z n\u00e1s. A jednou https:\/\/www.maminka.cz\/tema\/dostatecna-hydratace  z cest, jak si jej splnit, je nebankovn\u00ed hypot\u00e9ka. O co se jedn\u00e1? Jde o \u00fa\u010delovou p\u016fj\u010dku, poskytovanou nebankovn\u00ed spole\u010dnost\u00ed, slou\u017e\u00edc\u00ed k n\u00e1kupu \u010di rekonstrukci nemovitosti. P\u016fj\u010den\u00e1 \u010d\u00e1stka se p\u0159\u00edmo odv\u00edj\u00ed od ceny p\u0159edm\u011btn\u00e9 nemovitosti, je tedy t\u0159eba si ji nejprve vyhl\u00e9dnout a a\u017e pot\u00e9 za\u017e\u00e1dat o hypot\u00e9ku. \u010c\u00edm se tedy li\u0161\u00ed od t\u00e9 klasick\u00e9, kterou poskytuj\u00ed banky? P\u0159edev\u0161\u00edm t\u00edm, \u017ee maj\u00ed mnohem v\u00edce mo\u017enost\u00ed. Nab\u00edz\u00ed tak podstatn\u011b \u0161ir\u0161\u00ed \u0161k\u00e1lu produkt\u016f. Nav\u00edc, a to je hlavn\u00ed, jsou jejich slu\u017eby dostupn\u00e9 prakticky ka\u017ed\u00e9mu. Obvykle toti\u017e nevy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjmu ani neprov\u011b\u0159uj\u00ed z\u00e1kazn\u00edka v registru dlu\u017en\u00edk\u016f. Av\u0161ak nen\u00ed to pravidlem, a i zde se najdou produkty, kter\u00e9 tento proces vy\u017eaduj\u00ed. Ten m\u00e1 v\u0161ak zase jin\u00e9 v\u00fdhody. Tyto podm\u00ednky, a\u010d se n\u00e1m m\u016f\u017ee zd\u00e1t, \u017ee p\u0159edstavuj\u00ed pro firmu p\u0159\u00edli\u0161 velk\u00e9 riziko, jsou ve skute\u010dnosti nutn\u00e9. Je to jedin\u00fd zp\u016fsob, jak mohou konkurovat bank\u00e1m. Ty maj\u00ed, a zejm\u00e9na ty zaveden\u00e9, na sv\u00e9 stran\u011b toti\u017e v\u00fdhodu d\u016fv\u011bryhodnosti. Pokud by tedy nab\u00edzeli naprosto stejn\u00e9 slu\u017eby za podobn\u00e9 ceny, pak by klienti \u0161li ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f sp\u00ed\u0161e do banky. Aby byli konkurenceschopn\u00e9, musej\u00ed tedy finan\u010dn\u00ed spole\u010dnosti p\u0159ij\u00edt s n\u011b\u010d\u00edm zcela nov\u00fdm, co v bance nez\u00edsk\u00e1te. A t\u00edm jsou pr\u00e1v\u011b tyto podm\u00ednky, kter\u00e9 d\u011blaj\u00ed jejich produkty \u0161iroce dostupn\u00e9. P\u0159esto se m\u016f\u017eeme pt\u00e1t: nen\u00ed to a\u017e p\u0159\u00edli\u0161 velk\u00e9 riziko? Koneckonc\u016f si lze snadno p\u0159estavit, \u017ee si ji vezmou i lid\u00e9, kte\u0159\u00ed nemaj\u00ed na to, aby dok\u00e1zali dlouhodob\u011b danou \u010d\u00e1stku spl\u00e1cet. Av\u0161ak obavy zde nejsou na m\u00edst\u011b. Firmy samoz\u0159ejm\u011b maj\u00ed dostate\u010dn\u00e1 opat\u0159en\u00ed, kter\u00e1 maj\u00ed ztr\u00e1t\u011b zisku zabr\u00e1nit a kter\u00e1 zajist\u00ed, \u017ee situace v\u017edy skon\u010d\u00ed v jejich prosp\u011bch, a\u0165 u\u017e dan\u00fd \u010dlov\u011bk plat\u00ed \u010di nikoliv. Ov\u0161em co z\u00e1kazn\u00edk? Jak\u00e1 on podstupuje rizika? V prvn\u00ed \u0159ad\u011b je to mo\u017enost dostat se do dluhov\u00e9 pasti. Na rozd\u00edl od bank zde toti\u017e obvykle nen\u00ed nab\u00edzeno poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad neschopnosti spl\u00e1cet nap\u0159\u00edklad v d\u016fsledku nemoci \u010di ztr\u00e1ty zam\u011bstn\u00e1n\u00ed. To m\u016f\u017ee v\u00e9st a\u017e k exekuci a dokonce i p\u0159\u00edpadn\u00e9mu zabaven\u00ed p\u0159edm\u011btn\u00e9 nemovitosti. Je tedy dobr\u00e9 si v\u017edy p\u0159e\u010d\u00edst ve\u0161ker\u00e9 podm\u00ednky, pokud se ji\u017e tedy k n\u011b\u010demu takov\u00e9mu odhodl\u00e1te. P\u0159edejdete tak mnoha probl\u00e9m\u016fm.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.hass.cz\/jaka-rizika-prinasi-nebankovni-hypoteka\/#breadcrumbitem"}]}]