[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sapcon.cz\/co-je-hypoteka-bez-dokladani-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.sapcon.cz\/co-je-hypoteka-bez-dokladani-prijmu\/","headline":"Co je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","name":"Co je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","description":"Stru\u010dn\u011b \u0159e\u010deno, hypot\u00e9ka je p\u016fj\u010dka ur\u010den\u00e1 pro financov\u00e1n\u00ed koup\u011b \u010di rekonstrukce domu nebo bytu. P\u016fvodn\u00edm c\u00edlem je umo\u017enit p\u0159edev\u0161\u00edm mlad\u00fdm lidem, aby si mohli po\u0159\u00eddit vlastn\u00ed bydlen\u00ed. A\u017e potud zn\u00ed v\u0161e dob\u0159e, ov\u0161em m\u00e1 to i sv\u00e9 stinn\u00e9 str\u00e1nky. Jako kter\u00e1koliv jin\u00e1 p\u016fj\u010dka, i hypot\u00e9ka je zat\u00ed\u017eena \u00farokem a nejr\u016fzn\u011bj\u0161\u00edmi poplatky. V d\u016fsledku to m\u016f\u017ee […]","datePublished":"2019-10-05","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.sapcon.cz\/author\/#Person","name":"","url":"https:\/\/www.sapcon.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sapcon.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sapcon.cz\/wp-content\/uploads\/img_a367003_w2196_t1579439247.jpg","url":"https:\/\/www.sapcon.cz\/wp-content\/uploads\/img_a367003_w2196_t1579439247.jpg","height":0,"width":0},"url":"https:\/\/www.sapcon.cz\/co-je-hypoteka-bez-dokladani-prijmu\/","about":["Pen\u00edze"],"wordCount":531,"articleBody":"       Stru\u010dn\u011b \u0159e\u010deno, hypot\u00e9ka je p\u016fj\u010dka ur\u010den\u00e1 pro financov\u00e1n\u00ed koup\u011b \u010di rekonstrukce domu nebo bytu. P\u016fvodn\u00edm c\u00edlem je umo\u017enit p\u0159edev\u0161\u00edm mlad\u00fdm lidem, aby si mohli po\u0159\u00eddit vlastn\u00ed bydlen\u00ed. A\u017e potud zn\u00ed v\u0161e dob\u0159e, ov\u0161em m\u00e1 to i sv\u00e9 stinn\u00e9 str\u00e1nky.  Jako kter\u00e1koliv jin\u00e1 p\u016fj\u010dka, i hypot\u00e9ka je zat\u00ed\u017eena \u00farokem a nejr\u016fzn\u011bj\u0161\u00edmi poplatky. V d\u016fsledku to m\u016f\u017ee znamenat, \u017ee celkov\u011b zaplat\u00edte a\u017e dvakr\u00e1t tolik, ne\u017e byla p\u016fj\u010den\u00e1 \u010d\u00e1stka. P\u0159esto jsou hypot\u00e9ky velmi popul\u00e1rn\u00ed. Pro\u010d? Jednodu\u0161e pr\u00e1v\u011b proto, \u017ee umo\u017e\u0148uj\u00ed za\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed prakticky bez \u010dek\u00e1n\u00ed. Nemus\u00edme n\u011bkolik let \u0161et\u0159it, abychom si mohli dovolit postavit \u010di koupit vysn\u011bn\u00fd d\u016fm nebo byt. M\u016f\u017eeme jej m\u00edt hned. A to zn\u00ed skv\u011ble, \u017ee? Pravdou je, \u017ee v\u011bt\u0161ina spole\u010dnost\u00ed, kter\u00e9 hypot\u00e9ky poskytuj\u00ed, si ov\u011b\u0159uj\u00ed schopnost dlu\u017en\u00edka m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku spl\u00e1cet. To se prov\u00e1d\u00ed tak, \u017ee \u017eadatel p\u0159inese s sebou svou pracovn\u00ed smlouvu a v\u00fdplatn\u00ed p\u00e1sku, aby dok\u00e1zal, \u017ee m\u00e1 st\u00e1le zam\u011bstn\u00e1n\u00ed a \u017ee m\u00e1 dostate\u010dn\u00fd p\u0159\u00edjem na to, aby si spl\u00e1tku mohl dovolit. D\u00e1le tak\u00e9 zji\u0161\u0165uje, zda dlu\u017en\u00edk nem\u00e1 ji\u017e n\u011bkde n\u011bjakou p\u016fj\u010dku, a pokud ano, zda ji \u0159\u00e1dn\u011b spl\u00e1c\u00ed, \u010di zda je v registru dlu\u017en\u00edk\u016f. Klient to m\u016f\u017ee vn\u00edmat jako z\u00e1sah do soukrom\u00ed, ale je pro to velmi dobr\u00fd d\u016fvod. Pokud toti\u017e banka nebo jin\u00e1 instituce shled\u00e1, \u017ee p\u0159\u00edjem je nedostate\u010dn\u00fd, hypot\u00e9ku jednodu\u0161e zam\u00edtne. Chr\u00e1n\u00ed se tak p\u0159ed t\u00edm, \u017ee by p\u0159i\u0161la o pen\u00edze, jeliko\u017e dlu\u017en\u00edk by je zkr\u00e1tka neplatil. V takov\u00e9m p\u0159\u00edpad\u011b m\u00e1 \u010dlov\u011bk n\u011bkolik mo\u017enost\u00ed. Jednou z nich je na\u0161et\u0159it si na bydlen\u00ed b\u011b\u017en\u00fdm zp\u016fsobem, tedy odkl\u00e1dat si pro tento \u00fa\u010del ur\u010ditou \u010d\u00e1stku m\u011bs\u00ed\u010dn\u011b a\u0165 u\u017e do banky (kde se mu nav\u00edc budou pen\u00edze \u00faro\u010dit) nebo doma do trezoru, v kter\u00e9m\u017eto p\u0159\u00edpad\u011b v\u0161ak podl\u00e9haj\u00ed inflaci, a tedy svou hodnotu postupn\u011b ztr\u00e1c\u00ed. Dal\u0161\u00ed mo\u017enost\u00ed je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Jedn\u00e1 se o produkt nebankovn\u00edch spole\u010dnost\u00ed, kter\u00fd funguje jako jak\u00e1koliv jin\u00e1 hypot\u00e9ka. Jedin\u00fd rozd\u00edl je v tom, \u017ee \u017eadatel nemus\u00ed dokl\u00e1dat sv\u016fj m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. To umo\u017e\u0148uje vz\u00edt si hypot\u00e9ku i lidem, kter\u00fdm byla pr\u00e1v\u011b z d\u016fvodu n\u00edzk\u00e9ho p\u0159\u00edjmu zam\u00edtnuta. Tuto mo\u017enost vol\u00ed p\u0159edev\u0161\u00edm lid\u00e9 s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm a z ni\u017e\u0161\u00edch soci\u00e1ln\u00edch pom\u011br\u016f, kte\u0159\u00ed nemaj\u00ed \u0161anci na b\u011b\u017en\u00fd typ dos\u00e1hnout. Umo\u017e\u0148uje jim bydlet ve vlastn\u00edm i p\u0159esto, \u017ee maj\u00ed n\u00edzk\u00fd p\u0159\u00edjem. A to je p\u0159eci ten hlavn\u00ed c\u00edl, ne?                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","item":"https:\/\/www.sapcon.cz\/co-je-hypoteka-bez-dokladani-prijmu\/#breadcrumbitem"}]}]