[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tutumi.cz\/pro-koho-jsou-urceny-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.tutumi.cz\/pro-koho-jsou-urceny-nebankovni-hypoteky\/","headline":"Pro koho jsou ur\u010deny nebankovn\u00ed hypot\u00e9ky?","name":"Pro koho jsou ur\u010deny nebankovn\u00ed hypot\u00e9ky?","description":"Podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f se s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed, k tomu p\u0159ipo\u010dt\u011bme je\u0161t\u011b neust\u00e1le se zvy\u0161uj\u00edc\u00ed cenu nemovitost\u00ed a probl\u00e9m enormn\u00edch […]","datePublished":"2022-02-14","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.tutumi.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.tutumi.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tutumi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tutumi.cz\/wp-content\/uploads\/rodinn%C3%BD%20d%C5%AFm_10_10_9.jpg","url":"https:\/\/www.tutumi.cz\/wp-content\/uploads\/rodinn%C3%BD%20d%C5%AFm_10_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.tutumi.cz\/pro-koho-jsou-urceny-nebankovni-hypoteky\/","about":["Finance"],"wordCount":408,"articleBody":"   Podm\u00ednky hypote\u010dn\u00edch \u00fav\u011br\u016f se s ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed, k tomu p\u0159ipo\u010dt\u011bme je\u0161t\u011b neust\u00e1le se zvy\u0161uj\u00edc\u00ed cenu nemovitost\u00ed a probl\u00e9m enormn\u00edch rozm\u011br\u016f m\u00e1me na sv\u011bt\u011b. \u010cesk\u00e1 republika se dlouhodob\u011b pot\u00fdk\u00e1 s n\u00edzkou kapacitou n\u00e1jemn\u00edch byt\u016f, to m\u00e1 za n\u00e1sledek jedin\u00e9, neust\u00e1le \u0161ponov\u00e1n\u00ed jejich ceny. V n\u011bkter\u00fdch obl\u00edben\u00fdch lokalit\u00e1ch v hlavn\u00edm m\u011bst\u011b ji\u017e cena za metr \u010dtvere\u010dn\u00ed p\u0159ev\u00fd\u0161ila hranici 135 000. Do jak\u00fdch v\u00fd\u0161in m\u016f\u017ee tato hodnota r\u016fst je ve hv\u011bzd\u00e1ch, jen tak se ale nezastav\u00ed. Je pochopiteln\u00e9, \u017ee i v d\u016fsledku st\u00e1le ze zvy\u0161uj\u00edc\u00ed pr\u016fm\u011brn\u00e9 mzdy se nar\u016fstaj\u00edc\u00edm cen\u00e1m nevyhneme. Ov\u0161em to nic nem\u011bn\u00ed na faktu, \u017ee centrum Prahy je v tuto chv\u00edli zasl\u00edbeno jen movit\u00fdm n\u00e1jemn\u00edk\u016fm. St\u0159edn\u00ed t\u0159\u00edda se za\u010d\u00edn\u00e1 pomalu koncentrovat do okrajov\u00fdch \u010d\u00e1st\u00ed. Bohu\u017eel u\u017e d\u00e1vno neplat\u00ed, \u017ee hypot\u00e9ka bude nab\u00eddnuta ka\u017ed\u00e9mu, kdo o n\u00ed p\u0159ijde po\u017e\u00e1dat. \u017dadatel mus\u00ed m\u00edt stabiln\u00ed p\u0159\u00edjem, p\u0159im\u011b\u0159en\u00fd v\u011bk, dobrou finan\u010dn\u00ed minulost, p\u0159inejlep\u0161\u00edm \u017e\u00e1dn\u00e9 dal\u0161\u00ed z\u00e1vazky, mnohdy spolu\u017eadatele a \u017e\u00e1dn\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f. Ze v\u0161ech t\u011bchto podm\u00ednek n\u00e1sledn\u011b banka ur\u010d\u00ed jeho bonitu, tedy schopnost spl\u00e1cen\u00ed. Pokud je p\u0159\u00edli\u0161 n\u00edzk\u00e1, odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou. V p\u0159\u00edpad\u011b hypote\u010dn\u00edch \u00fav\u011br\u016f nav\u00edc banka neposkytuje cel\u00fdch 100% hodnoty nemovitosti, ale jen 90%. Zbyl\u00fdch 10% mus\u00ed poch\u00e1zet z \u017eadatelov\u00fdch vlastn\u00edch rezerv, p\u0159\u00edpadn\u011b ze spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Vlivem zvy\u0161uj\u00edc\u00ed se inflace se v\u0161ak i tato podm\u00ednka zp\u0159\u00eds\u0148uje. Aktu\u00e1ln\u011b u\u017e je pom\u011br 80:20. Tud\u00ed\u017e 80% v\u00e1m banka p\u016fj\u010d\u00ed a zbyl\u00fdch 20% mus\u00edte m\u00edt na\u0161et\u0159eno. Co to znamen\u00e1 v praxi? \u017d\u00e1d\u00e1te o hypot\u00e9ku 3 000 000? Tak 600 000 mus\u00edte m\u00edt u\u0161et\u0159eno dop\u0159edu. I p\u0159esto v\u0161ak dychtivost po hypote\u010dn\u00edch \u00fav\u011brech nijak nekles\u00e1, lid\u00e9 se toti\u017e boj\u00ed dal\u0161\u00edho zp\u0159\u00eds\u0148ov\u00e1n\u00ed. Americkou nebankovn\u00ed hypot\u00e9ku vyu\u017eij\u00ed ti, kter\u00fdm banka \u017e\u00e1dost zam\u00edtne, nebo\u0165 nebankovn\u00ed sektor je v tomto ohledu velmi benevolentn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro koho jsou ur\u010deny nebankovn\u00ed hypot\u00e9ky?","item":"https:\/\/www.tutumi.cz\/pro-koho-jsou-urceny-nebankovni-hypoteky\/#breadcrumbitem"}]}]