[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tlor.cz\/jaka-rizika-prinasi-hypoteka-bez-dokladani-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.tlor.cz\/jaka-rizika-prinasi-hypoteka-bez-dokladani-prijmu\/","headline":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","name":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","description":"Mnoho lid\u00ed, zvl\u00e1\u0161t\u011b mlad\u00fdch, tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed. Bohu\u017eel obvykle nemaj\u00ed na\u0161et\u0159eno dostatek pen\u011bz a nemaj\u00ed dosud st\u00e1l\u00e9 zam\u011bstn\u00e1n\u00ed \u010di dostate\u010dn\u00fd plat na to, aby jim byla schv\u00e1lena klasick\u00e1 hypot\u00e9ka. Co tedy mohou d\u011blat? Jednou z mo\u017enost\u00ed je zkr\u00e1tka po\u010dkat a pot\u0159ebnou \u010d\u00e1stku si postupn\u011b na\u0161et\u0159it a do t\u00e9 doby … ","datePublished":"2019-10-10","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.tlor.cz\/author\/#Person","name":"tlor.cz\n","url":"https:\/\/www.tlor.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tlor.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tlor.cz\/wp-content\/uploads\/img_a367004_w2197_t1579439308.jpg","url":"https:\/\/www.tlor.cz\/wp-content\/uploads\/img_a367004_w2197_t1579439308.jpg","height":0,"width":0},"url":"https:\/\/www.tlor.cz\/jaka-rizika-prinasi-hypoteka-bez-dokladani-prijmu\/","about":["Slu\u017eby"],"wordCount":554,"articleBody":"           Mnoho lid\u00ed, zvl\u00e1\u0161t\u011b mlad\u00fdch, tou\u017e\u00ed po vlastn\u00edm bydlen\u00ed. Bohu\u017eel obvykle nemaj\u00ed na\u0161et\u0159eno dostatek pen\u011bz a nemaj\u00ed dosud st\u00e1l\u00e9 zam\u011bstn\u00e1n\u00ed \u010di dostate\u010dn\u00fd plat na to, aby jim byla schv\u00e1lena klasick\u00e1 hypot\u00e9ka. Co tedy mohou d\u011blat? Jednou z mo\u017enost\u00ed je zkr\u00e1tka po\u010dkat a pot\u0159ebnou \u010d\u00e1stku si postupn\u011b na\u0161et\u0159it a do t\u00e9 doby bydlet bu\u010f u rodi\u010d\u016f, nebo v pron\u00e1jmu. Tou druhou je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Co to v praxi znamen\u00e1? Nic jin\u00e9ho ne\u017e to, \u017ee k tomu, aby v\u00e1m spole\u010dnost schv\u00e1lila hypot\u00e9ku, nepot\u0159ebujete dolo\u017eit sv\u016fj m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem a ani si v\u00e1s neov\u011b\u0159uj\u00ed v datab\u00e1zi dlu\u017en\u00edk\u016f. To p\u0159edstavuje cestu k vysn\u011bn\u00e9mu domu \u010di bytu pro mnoho lid\u00ed, kte\u0159\u00ed by si jej jinak nemohli dovolit. M\u00e1lokdo se v\u0161ak zamysl\u00ed nad riziky, kter\u00e9 tento zp\u016fsob financov\u00e1n\u00ed nemovitosti p\u0159in\u00e1\u0161\u00ed zvl\u00e1\u0161t\u011b pro chud\u0161\u00ed lidi. Prvn\u00ed, o \u010dem bychom m\u011bli pop\u0159em\u00fd\u0161let, je to, \u017ee tento typ p\u016fj\u010dky b\u00fdv\u00e1 obvykle zat\u00ed\u017een v\u011bt\u0161\u00edmi \u00faroky i poplatky ne\u017e hypot\u00e9ka klasick\u00e1. Je to samoz\u0159ejm\u011b kv\u016fli tomu, \u017ee se neov\u011b\u0159uje schopnost dlu\u017en\u00edka \u0159\u00e1dn\u011b spl\u00e1cet. A je to tak\u00e9 vyu\u017eit\u00ed mezery na trhu, nebo\u0165 lid\u00e9, kte\u0159\u00ed cht\u011bj\u00ed bydlen\u00ed, nep\u0159em\u00fd\u0161l\u00ed, \u017ee v kone\u010dn\u00e9m d\u016fsledku zaplat\u00ed pr\u00e1v\u011b na \u00faroc\u00edch a r\u016fzn\u00fdch poplatc\u00edch \u010d\u00e1stku v\u00edce ne\u017e dvojn\u00e1sobnou oproti p\u016fj\u010dce. To v\u0161ak t\u011bmto spole\u010dnostem vyhovuje, nebo\u0165 maj\u00ed vy\u0161\u0161\u00ed zisky. Koneckonc\u016f podstupuj\u00ed i vy\u0161\u0161\u00ed riziko, \u017ee jejich klient nebude schopen m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku uhradit. A nebudeme si nalh\u00e1vat, toto je p\u0159\u00edpad v\u011bt\u0161iny lid\u00ed, kte\u0159\u00ed si berou podobn\u00fd typ p\u016fj\u010dek. Pro\u010d tedy tyto spole\u010dnosti takov\u00fd produkt nab\u00edzej\u00ed, pro\u010d podstupuj\u00ed takov\u00e9 riziko? Pravda je, \u017ee se jim to vyplat\u00ed. Je toti\u017e sice pravda, \u017ee klient nen\u00ed schopen spl\u00e1cet. To je ale v po\u0159\u00e1dku, nebo\u0165 \u010d\u00e1stka, kterou dlu\u017e\u00ed, st\u00e1le nar\u016fst\u00e1 spolu \u00faroky z prodlen\u00ed a dal\u0161\u00edmi poplatky. A pokud nezaplat\u00ed del\u0161\u00ed dobu, p\u0159ijde ke slovu exekuce. Ta nakonec zabav\u00ed majetek v hodnot\u011b mnohem vy\u0161\u0161\u00ed, ne\u017e byla p\u016fvodn\u00ed p\u016fj\u010den\u00e1 \u010d\u00e1stka. Firma si tedy nakonec p\u0159ip\u00ed\u0161e velmi tu\u010dn\u00fd zisk. A to je jedna z hlavn\u00edch past\u00ed tohoto zp\u016fsobu financov\u00e1n\u00ed koup\u011b \u010di rekonstrukce domu nebo bytu. Ne\u017e na takovouto nab\u00eddku k\u00fdvneme, m\u011bli bychom se opravdu po\u0159\u00e1dn\u011b zamyslet, zda jsme schopni nejen nyn\u00ed, ale i v budoucnu m\u011bs\u00ed\u010dn\u011b d\u00e1vat pry\u010d takovou \u010d\u00e1stku, a to po n\u011bkolik p\u0159\u00ed\u0161t\u00edch let. Z\u00e1rove\u0148 je dobr\u00e9 si po\u0159\u00e1dn\u011b p\u0159e\u010d\u00edst smlouvu, hlavn\u011b \u010d\u00e1st, kde jsou vyjmenov\u00e1na r\u016fzn\u00e1 pen\u00e1le a zvl\u00e1\u0161tn\u00ed poplatky. Spolu s t\u00edm si spo\u010d\u00edtejme i v\u00fd\u0161i \u00faroku, abychom zjistili, jakou \u010d\u00e1stku nakonec zaplat\u00edme. Mo\u017en\u00e1 zjist\u00edte, \u017ee je v\u00fdhodn\u011bj\u0161\u00ed n\u011bjakou dobu po\u010dkat, ne\u017e budete m\u00edt vy\u0161\u0161\u00ed p\u0159\u00edjem nebo ne\u017e si dostatek pen\u011bz na\u0161et\u0159\u00edte klasickou cestou. V\u011b\u0159te, vyplat\u00ed se to.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","item":"https:\/\/www.tlor.cz\/jaka-rizika-prinasi-hypoteka-bez-dokladani-prijmu\/#breadcrumbitem"}]}]