[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.matask.cz\/kdo-muze-poskytovat-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.matask.cz\/kdo-muze-poskytovat-nebankovni-hypoteky\/","headline":"Kdo m\u016f\u017ee poskytovat nebankovn\u00ed hypot\u00e9ky","name":"Kdo m\u016f\u017ee poskytovat nebankovn\u00ed hypot\u00e9ky","description":"Asi ka\u017ed\u00fd z n\u00e1s by cht\u011bl bydlet ve vlastn\u00edm dom\u011b \u010di byt\u011b. M\u00e1lokdo z n\u00e1s m\u00e1 v\u0161ak dostatek financ\u00ed, aby si to mohl dovolit. Ano, n\u011bkdy m\u016f\u017eeme prodat st\u00e1vaj\u00edc\u00ed nemovitost a utr\u017een\u00e9 pen\u00edze pou\u017e\u00edt na koupi nov\u00e9, av\u0161ak v takov\u00e9m p\u0159\u00edpad\u011b mus\u00edme b\u00fdt p\u0159ipraveni na to, \u017ee p\u016fjde o krok dol\u016f oproti tomu, na co […]","datePublished":"2020-01-03","dateModified":"2023-04-30","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\/img_a378817_w2966_t1590055865.jpg","url":"https:\/\/www.matask.cz\/wp-content\/uploads\/img_a378817_w2966_t1590055865.jpg","height":0,"width":0},"url":"https:\/\/www.matask.cz\/kdo-muze-poskytovat-nebankovni-hypoteky\/","about":["Finance"],"wordCount":439,"articleBody":"          Asi ka\u017ed\u00fd z n\u00e1s by cht\u011bl bydlet ve vlastn\u00edm dom\u011b \u010di byt\u011b. M\u00e1lokdo z n\u00e1s m\u00e1 v\u0161ak dostatek financ\u00ed, aby si to mohl dovolit. Ano, n\u011bkdy m\u016f\u017eeme prodat st\u00e1vaj\u00edc\u00ed nemovitost a utr\u017een\u00e9 pen\u00edze pou\u017e\u00edt na koupi nov\u00e9, av\u0161ak v takov\u00e9m p\u0159\u00edpad\u011b mus\u00edme b\u00fdt p\u0159ipraveni na to, \u017ee p\u016fjde o krok dol\u016f oproti tomu, na co jsme zvykl\u00ed. Pokud tento prodej toti\u017e bude na\u0161\u00edm jedin\u00fdm zdrojem financ\u00ed, pak cena nov\u00e9 nemovitosti mus\u00ed b\u00fdt z\u00e1konit\u011b ni\u017e\u0161\u00ed ne\u017e to, co jsme utr\u017eili za tu na\u0161i st\u00e1vaj\u00edc\u00ed. Jin\u00fdm \u0159e\u0161en\u00edm mohou b\u00fdt bankovn\u00ed \u010di nebankovn\u00ed hypot\u00e9ky. Zde m\u00e1me tu v\u00fdhodu, \u017ee si tak m\u016f\u017eeme koupit t\u00e9m\u011b\u0159 jakkoliv drahou nemovitost. Probl\u00e9mem je, \u017ee se tak zadlu\u017e\u00edme a mus\u00edme po\u010d\u00edtat s t\u00edm, \u017ee budeme minim\u00e1ln\u011b po n\u011bkolik p\u0159\u00ed\u0161t\u00edch let spl\u00e1cet, v z\u00e1vislosti na tom, kolik n\u00e1s na\u0161e nov\u00e9 bydlen\u00ed st\u00e1lo. https:\/\/www.respekt.cz\/tydenik\/2017\/51\/cesi-2017-neco-se-stalo  Av\u0161ak jak\u00fd je rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed hypot\u00e9kou? Jak ji\u017e z n\u00e1zvu vypl\u00fdv\u00e1, v tom prvn\u00edm p\u0159\u00edpad\u011b ji poskytuj\u00ed bankovn\u00ed subjekty. Je to jeden z finan\u010dn\u00edch produkt\u016f, kter\u00e9 b\u011b\u017en\u011b nab\u00edzej\u00ed. Podm\u00ednky zde jsou obvykle standardn\u00ed a \u00farok p\u0159im\u011b\u0159en\u00fd. Pokud jde o ten druh\u00fd typ, pak ten je poskytov\u00e1n nejr\u016fzn\u011bj\u0161\u00edmi finan\u010dn\u00edmi spole\u010dnostmi. Ty se obvykle specializuj\u00ed na nejr\u016fzn\u011bj\u0161\u00ed druhy p\u016fj\u010dek, p\u0159i\u010dem\u017e hypot\u00e9ka je mezi nimi. M\u016f\u017ee ji v\u0161ak poskytnout kdokoliv? Odpov\u011b\u010f zn\u00ed, \u017ee ne. Nejprve je nutn\u00e9 pro tyto \u010dinnosti z\u00edskat pat\u0159i\u010dn\u00e9 certifik\u00e1ty, kter\u00fdmi prok\u00e1\u017eete, \u017ee m\u00e1te dostate\u010dn\u00e9 znalosti z\u00e1kon\u016f a pravidel, kter\u00fdmi se tento obor \u0159\u00edd\u00ed. Je d\u016fle\u017eit\u00e9, aby zkou\u0161ky, kter\u00e9 je pot\u0159eba pro z\u00edsk\u00e1n\u00ed tohoto opr\u00e1vn\u011bn\u00ed slo\u017eit, splnili v\u0161ichni zam\u011bstnanci, kte\u0159\u00ed se tomuto budou v\u011bnovat. Bez nich je jak\u00e9koliv ofici\u00e1ln\u00ed p\u016fj\u010dov\u00e1n\u00ed pen\u011bz neleg\u00e1ln\u00ed. Pokud si tedy nejste jisti, \u017ee firma, od kter\u00e9 si chcete p\u016fj\u010dit, je d\u016fv\u011bryhodn\u00e1, registrovan\u00e1 spole\u010dnost, cht\u011bjte po pracovn\u00edkovi vid\u011bt tento certifik\u00e1t. Je povinen se v\u00e1m na po\u017e\u00e1d\u00e1n\u00ed prok\u00e1zat a uk\u00e1zat tak, \u017ee je skute\u010dn\u011b opr\u00e1vn\u011bn k poskytov\u00e1n\u00ed jak\u00fdchkoliv p\u016fj\u010dek.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdo m\u016f\u017ee poskytovat nebankovn\u00ed hypot\u00e9ky","item":"https:\/\/www.matask.cz\/kdo-muze-poskytovat-nebankovni-hypoteky\/#breadcrumbitem"}]}]