[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.skoop.cz\/podminky-pro-ziskani-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.skoop.cz\/podminky-pro-ziskani-hypoteky\/","headline":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","description":"St\u00e1le v\u00edce lid\u00ed se uchyluje k my\u0161lence vlastn\u00edho bydlen\u00ed, p\u0159itom si jen m\u00e1lokdo z nich uv\u011bdomuje, jak m\u016f\u017ee b\u00fdt vlastn\u00ed bydlen\u00ed finan\u010dn\u011b n\u00e1ro\u010dn\u00e9. Nav\u00edc podm\u00ednky hypot\u00e9k se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed a z\u00edskat tak v\u00fdhodn\u00fd hypote\u010dn\u00ed \u00fav\u011br, nemus\u00ed b\u00fdt tak jednoduch\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t. I kdy\u017e","datePublished":"2021-03-16","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.skoop.cz\/author\/#Person","name":"","url":"https:\/\/www.skoop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"skoop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.skoop.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_5.jpg","url":"https:\/\/www.skoop.cz\/wp-content\/uploads\/puzzle%20d%C5%AFm_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.skoop.cz\/podminky-pro-ziskani-hypoteky\/","about":["Domov"],"wordCount":408,"articleBody":"      St\u00e1le v\u00edce lid\u00ed se uchyluje k my\u0161lence vlastn\u00edho bydlen\u00ed, p\u0159itom si jen m\u00e1lokdo z nich uv\u011bdomuje, jak m\u016f\u017ee b\u00fdt vlastn\u00ed bydlen\u00ed finan\u010dn\u011b n\u00e1ro\u010dn\u00e9. Nav\u00edc podm\u00ednky hypot\u00e9k se ka\u017ed\u00fdm rokem zp\u0159\u00eds\u0148uj\u00ed a z\u00edskat tak v\u00fdhodn\u00fd hypote\u010dn\u00ed \u00fav\u011br, nemus\u00ed b\u00fdt tak jednoduch\u00e9, jak by se na prvn\u00ed pohled mohlo zd\u00e1t. I kdy\u017e je v sou\u010dasnosti na trhu p\u0159ebytek likvidity a banky se neust\u00e1le sna\u017e\u00ed p\u0159ich\u00e1zet s nov\u00fdmi \u00fav\u011brov\u00fdmi produkty, novela \u00fav\u011brov\u00e9ho z\u00e1kona z roku 2016 jde proti nim. \u010cNB toti\u017e do jist\u00e9 m\u00edry upravila podm\u00ednky pro schv\u00e1len\u00ed \u00fav\u011brov\u00fdch produkt\u016f pro \u017eadatele, pokud \u017eadatel t\u011bmto podm\u00ednk\u00e1m nedostoj\u00ed, \u017e\u00e1dost o \u00fav\u011br mu bude zam\u00edtnut. Mnohdy se tak stane, \u017ee na bankovn\u00ed \u00fav\u011brov\u00e9 produkty \u0159ada lid\u00ed nedos\u00e1hne. D\u016fvod\u016f m\u016f\u017ee b\u00fdt spoustu a banka m\u016f\u017ee kdykoliv i bez ud\u00e1n\u00ed d\u016fvod\u016f \u017e\u00e1dost o \u00fav\u011br zam\u00edtnout. \u0158e\u0161en\u00ed nab\u00edzen\u00ed nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou ke sv\u00fdm \u017eadatel\u016fm p\u0159eci jenom o n\u011bco shov\u00edvav\u011bj\u0161\u00ed. Nebankovn\u00ed hypot\u00e9ka Fahd, rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry bez dolo\u017een\u00ed p\u0159\u00edjm\u016f jsou mnohdy jedin\u00fdm \u0159e\u0161en\u00edm pro \u017eadatele, kter\u00fdm banka odm\u00edtla p\u016fj\u010dit. Nebankovn\u00ed subjekt vol\u00ed \u0159ada lid\u00ed v p\u0159\u00edpad\u011b, kdy pen\u00edze pot\u0159ebuje co mo\u017en\u00e1 nejd\u0159\u00edve. Rychl\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry pomohou \u0159e\u0161it nahodil\u00e9 v\u00fddaje, na kter\u00e9 u\u017e v rodinn\u00e9m rozpo\u010dtu nezb\u00fdv\u00e1 nebo p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty. Hypot\u00e9ka skute\u010dn\u011b nen\u00ed \u00fav\u011brov\u00fd produkt pro ka\u017ed\u00e9ho. \u0158ada bank m\u00e1 nastaven\u00e1 p\u0159\u00edsn\u00e1 pravidla, kter\u00e1 je pot\u0159eba dodr\u017eet a hlavn\u011b bankovn\u00ed subjekt dostate\u010dn\u011b p\u0159esv\u011bd\u010dit o schopnosti dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Rozhoduj\u00edc\u00ed slova m\u00e1 i bonita klienta, kterou ovliv\u0148uje cel\u00e1 \u0159ada faktor\u016f. V\u011bkov\u00e1 hraniceV\u011bk je pro banku velmi d\u016fle\u017eit\u00fd. Zat\u00edmco p\u0159\u00edli\u0161 mlad\u00fd \u017eadatel je\u0161t\u011b nemus\u00ed m\u00edt dostate\u010dn\u00fd p\u0159\u00edjem a banka nem\u00e1 \u017e\u00e1dn\u00e9 informace o jeho finan\u010dn\u00ed minulosti, u star\u0161\u00edho \u017eadatele zase m\u016f\u017ee m\u00edt banka pochybnosti, zda bude kv\u016fli sv\u00e9mu vy\u0161\u0161\u00edmu v\u011bku a zdravotn\u00edmu stavu schopn\u00fd spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                           3.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky","item":"https:\/\/www.skoop.cz\/podminky-pro-ziskani-hypoteky\/#breadcrumbitem"}]}]