[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.betaol.cz\/pujcit-si-nemusite-jen-v-bance\/#Article","mainEntityOfPage":"https:\/\/www.betaol.cz\/pujcit-si-nemusite-jen-v-bance\/","headline":"P\u016fj\u010dit si nemus\u00edte jen v bance","name":"P\u016fj\u010dit si nemus\u00edte jen v bance","description":"V\u011bt\u0161ina mlad\u00fdch lid\u00ed, kte\u0159\u00ed bydl\u00ed st\u00e1le u rodi\u010d\u016f, tou\u017e\u00ed po osamostatn\u011bn\u00ed, zejm\u00e9na, kdy\u017e s partnerkou nebo partnerem o\u010dek\u00e1vaj\u00ed p\u0159\u00edr\u016fstek do rodiny. V dne\u0161n\u00ed dob\u011b ov\u0161em t\u00e9m\u011b\u0159 nikdo nem\u00e1 mo\u017enost si v tomhle v\u011bku zaplatit vlastn\u00ed d\u016fm nebo byt v hotovosti. V prvn\u00ed \u0159ad\u011b se obr\u00e1t\u00edte...","datePublished":"2018-09-13","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.betaol.cz\/author\/#Person","name":"","url":"https:\/\/www.betaol.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"betaol.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.betaol.cz\/wp-content\/uploads\/img_a324323_w2274_t1536131067.jpg","url":"https:\/\/www.betaol.cz\/wp-content\/uploads\/img_a324323_w2274_t1536131067.jpg","height":0,"width":0},"url":"https:\/\/www.betaol.cz\/pujcit-si-nemusite-jen-v-bance\/","wordCount":444,"articleBody":"V\u011bt\u0161ina mlad\u00fdch lid\u00ed, kte\u0159\u00ed bydl\u00ed st\u00e1le u rodi\u010d\u016f, tou\u017e\u00ed po osamostatn\u011bn\u00ed, zejm\u00e9na, kdy\u017e s partnerkou nebo partnerem o\u010dek\u00e1vaj\u00ed p\u0159\u00edr\u016fstek do rodiny. V dne\u0161n\u00ed dob\u011b ov\u0161em t\u00e9m\u011b\u0159 nikdo nem\u00e1 mo\u017enost si v tomhle v\u011bku zaplatit vlastn\u00ed d\u016fm nebo byt v hotovosti. V prvn\u00ed \u0159ad\u011b se obr\u00e1t\u00edte na banku, u kter\u00e9 m\u00e1te veden\u00fd \u00fa\u010det, a p\u0159esto, \u017ee si mysl\u00edte, \u017ee jsou Va\u0161e p\u0159\u00edjmy dosta\u010duj\u00edc\u00ed, banka V\u00e1m p\u0159esto odm\u00edtne hypot\u00e9ku poskytnout. Nebo m\u016f\u017eete b\u00fdt v koloto\u010di vysok\u00fdch spl\u00e1tek a nev\u00edte jak z toho ven? \u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt tzv. nebankovn\u00ed hypot\u00e9ka, p\u0159e\u010d\u00edst si o n\u00ed m\u016f\u017eete tak\u00e9 na , s velkou pravd\u011bpodobnost\u00ed u nebankovn\u00edch spole\u010dnost\u00ed usp\u011bjete, kdy\u017e V\u00e1s banka odm\u00edtne. Pokud se rozhodnete vz\u00edt si nebankovn\u00ed hypot\u00e9ku, je velmi l\u00e1kav\u00e9, \u017ee m\u016f\u017eete spl\u00e1cet a\u017e 30 let, jak v\u011bt\u0161ina t\u011bchto nebankovn\u00edch spole\u010dnost\u00ed nab\u00edz\u00ed, nejd\u016fle\u017eit\u011bj\u0161\u00ed je v\u0161ak v\u00fdb\u011br spole\u010dnosti, u kter\u00e9 si p\u016fj\u010d\u00edte. Ide\u00e1ln\u00ed je, pokud n\u011bkdo z Va\u0161ich p\u0159\u00e1tel nebo koleg\u016f z pr\u00e1ce ji\u017e tuto mo\u017enost vyu\u017eil, a m\u016f\u017ee ur\u010ditou spole\u010dnost doporu\u010dit. Pokud nikoho takov\u00e9ho nezn\u00e1te, rozhodn\u011b nikam neposp\u00edchejte a vyb\u00edrejte pe\u010dliv\u011b. Pokud toti\u017e chcete vyu\u017e\u00edt nebankovn\u00ed hypot\u00e9ku opravdu na vlastn\u00ed bydlen\u00ed (co\u017e u t\u00e9to formy hypot\u00e9ky nen\u00ed nutn\u00e9), zpravidla po V\u00e1s budou cht\u00edt touto nemovitost\u00ed i ru\u010dit, a pokud vyberete \u0161patn\u011b, m\u016f\u017ee se V\u00e1m st\u00e1t, \u017ee o svou vysn\u011bnou st\u0159echu nad hlavou za p\u00e1r let p\u0159ijdete. Ano, bohu\u017eel i mezi nebankovn\u00edmi spole\u010dnostmi se najdou nespolehliv\u00e9, proto dejte p\u0159ednost takov\u00e9, kter\u00e1 u\u017e m\u00e1 SV\u00c9 JM\u00c9NO na na\u0161em trhu, zjist\u011bte si tak\u00e9, jak dlouho u\u017e vlastn\u011b funguje. Nedejte jen na nejni\u017e\u0161\u00ed \u00farok, a\u010d to zn\u00ed velmi l\u00e1kav\u011b, nejsp\u00ed\u0161 u spole\u010dnosti, kter\u00e1 m\u00e1 jen o trochu vy\u0161\u0161\u00ed \u00farok, ale funguje na na\u0161em trhu ji\u017e dlouhou dobu, V\u00e1m nebezpe\u010d\u00ed, \u017ee o sv\u00e9 bydlen\u00ed p\u0159ijdete, hrozit nebude. I kdy\u017e pen\u00edze nechcete p\u016fj\u010dit na vlastn\u00ed bydlen\u00ed, ale nap\u0159\u00edklad na dovolenou, vybaven\u00ed bytu nebo t\u0159eba refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edch p\u016fj\u010dek, nejd\u016fle\u017eit\u011bj\u0161\u00ed je v\u00fdb\u011br nebankovn\u00ed spole\u010dnosti, proto vyb\u00edrejte velmi pe\u010dliv\u011b, a\u0165 jste spokojeni po celou dobu spl\u00e1cen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dit si nemus\u00edte jen v bance","item":"https:\/\/www.betaol.cz\/pujcit-si-nemusite-jen-v-bance\/#breadcrumbitem"}]}]