[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.matask.cz\/kdo-je-rucitel-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.matask.cz\/kdo-je-rucitel-hypoteky\/","headline":"Kdo je ru\u010ditel hypot\u00e9ky","name":"Kdo je ru\u010ditel hypot\u00e9ky","description":"Kdo si n\u011bkdy \u017e\u00e1dal o hypot\u00e9ku, v\u00ed, \u017ee to nen\u00ed ani zdaleka tak jednoduch\u00fd proces, jak n\u00e1m leckdy ukazuj\u00ed v reklam\u00e1ch. Je s t\u00edm spojena velk\u00e1 spousta pap\u00edrov\u00e1n\u00ed, aby bylo v\u0161e o\u0161et\u0159eno a p\u0159esn\u011b podle z\u00e1kona. Jist\u011b, m\u016f\u017ee to b\u00fdt otravn\u00e9 a leckdy se to zd\u00e1 i zbyte\u010dn\u00e9, av\u0161ak tento proces p\u0159edstavuje ochranu jak pro […]","datePublished":"2026-04-12","dateModified":"2026-04-12","author":{"@type":"Person","@id":"https:\/\/www.matask.cz\/author\/#Person","name":"","url":"https:\/\/www.matask.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"matask.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.matask.cz\/wp-content\/uploads\/hypoteka3_10_10_10_10_10.png","url":"https:\/\/www.matask.cz\/wp-content\/uploads\/hypoteka3_10_10_10_10_10.png","height":0,"width":0},"url":"https:\/\/www.matask.cz\/kdo-je-rucitel-hypoteky\/","about":["Produkty"],"wordCount":431,"articleBody":"   Kdo si n\u011bkdy \u017e\u00e1dal o hypot\u00e9ku, v\u00ed, \u017ee to nen\u00ed ani zdaleka tak jednoduch\u00fd proces, jak n\u00e1m leckdy ukazuj\u00ed v reklam\u00e1ch. Je s t\u00edm spojena velk\u00e1 spousta pap\u00edrov\u00e1n\u00ed, aby bylo v\u0161e o\u0161et\u0159eno a p\u0159esn\u011b podle z\u00e1kona. Jist\u011b, m\u016f\u017ee to b\u00fdt otravn\u00e9 a leckdy se to zd\u00e1 i zbyte\u010dn\u00e9, av\u0161ak tento proces p\u0159edstavuje ochranu jak pro v\u011b\u0159itele, tak i pro dlu\u017en\u00edka.Jednou z nezbytn\u00fdch sou\u010d\u00e1st\u00ed je i ru\u010ditel hypot\u00e9ky. To je osoba, na kterou v\u011bt\u0161ina prvn\u00edch \u017eadatel\u016f ani nepomysl\u00ed, dokud si neza\u010dnou zji\u0161\u0165ovat, co v\u0161e k pod\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku pot\u0159ebuj\u00ed. P\u0159itom pr\u00e1v\u011b on je pro poskytovatele jednou z velmi d\u016fle\u017eit\u00fdch sou\u010d\u00e1st\u00ed.Jednodu\u0161e \u0159e\u010deno, jedn\u00e1 se o osobu, kter\u00e1 bude ru\u010dit za to, \u017ee budete sv\u016fj dluh \u0159\u00e1dn\u011b spl\u00e1cet. Pokud tomu tak nebude a z n\u011bjak\u00e9ho d\u016fvodu nebude moci b\u00fdt dlu\u017en\u00e1 \u010d\u00e1stka vym\u00e1h\u00e1na po v\u00e1s, bude ji muset zaplatit ru\u010ditel. A to m\u016f\u017ee b\u00fdt pro n\u011bkter\u00e9 lidi docela probl\u00e9mem. Obvykle se to \u0159e\u0161\u00ed tak, \u017ee se o tuto slu\u017ebu po\u017e\u00e1d\u00e1 n\u011bkdo z bl\u00edzk\u00fdch p\u0159\u00edbuzn\u00fdch \u010di p\u0159\u00e1tel. Nen\u00ed to v\u0161ak n\u011bco, o co by lid\u00e9 st\u00e1li \u2013 a\u0165 se n\u00e1m to l\u00edb\u00ed, nebo ne, st\u00e1le je to riziko. I kdybychom nakr\u00e1sn\u011b cht\u011bli v\u0161e v po\u0159\u00e1dku spl\u00e1cet, v\u017edy se m\u016f\u017ee st\u00e1t n\u011bco, co n\u00e1m to p\u0159ekaz\u00ed \u2013 ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, dlouhodob\u00e9 onemocn\u011bn\u00ed, \u010di dokonce \u00famrt\u00ed. A v takov\u00fdchto p\u0159\u00edpadech pak mus\u00ed dlu\u017en\u00edka zastoupit, co se spl\u00e1cen\u00ed dluhu t\u00fd\u010de, v\u011b\u0159itel. Ten tedy m\u00e1 pom\u011brn\u011b velkou odpov\u011bdnost (hypot\u00e9ka neb\u00fdv\u00e1 zrovna mal\u00e1 \u010d\u00e1stka), av\u0161ak za riziko, kter\u00e9 na sebe bere, nem\u00e1 n\u00e1rok na \u017e\u00e1dnou odm\u011bnu, pokud se o n\u00ed nedohodne s dlu\u017en\u00edkem. V sou\u010dasn\u00e9 dob\u011b v\u0161ak nemus\u00ed ru\u010ditel b\u00fdt pouze fyzick\u00e1 \u010di pr\u00e1vnick\u00e1 osoba. N\u011bkter\u00e9 typy hypot\u00e9ky umo\u017e\u0148uj\u00ed ru\u010dit i samotnou nemovitost\u00ed \u2013 nemus\u00edte tedy hledat n\u011bkoho, kdo v\u00e1m bude d\u011blat ru\u010ditele, av\u0161ak v p\u0159\u00edpad\u011b, \u017ee z n\u011bjak\u00e9ho d\u016fvodu nebudete schopni spl\u00e1cet, o danou nemovitost p\u0159ijdete. Je pak ot\u00e1zkou, zda je to riziko, kter\u00e9 jsme ochotni podstoupit.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdo je ru\u010ditel hypot\u00e9ky","item":"https:\/\/www.matask.cz\/kdo-je-rucitel-hypoteky\/#breadcrumbitem"}]}]