[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dolinka.cz\/hypoteky-nejsou-urcene-pro-vsechny\/#Article","mainEntityOfPage":"https:\/\/www.dolinka.cz\/hypoteky-nejsou-urcene-pro-vsechny\/","headline":"Hypot\u00e9ky nejsou ur\u010den\u00e9 pro v\u0161echny","name":"Hypot\u00e9ky nejsou ur\u010den\u00e9 pro v\u0161echny","description":"Nebankovn\u00ed sektor st\u00e1hl ji\u017e mnoho d\u016fv\u011b\u0159iv\u00fdch klient\u016f s sebou do hlubin zadlu\u017een\u00ed. Chcete b\u00fdt dal\u0161\u00edm, kdo tomu podlehne a up\u00ed\u0161e si na sebe nesmyslnou p\u016fj\u010dku? Jestli\u017ee se v\u00e1m l\u00edb\u00ed p\u0159edstava, \u017ee t\u0159eba dvacet let spl\u00e1c\u00edte \u00fav\u011br, kter\u00fd nen\u00ed v\u00fdhody ani v nejmen\u0161\u00edm, pak ur\u010dit\u011b s chut\u00ed do toho a p\u016fj\u010dte si pen\u00edze pr\u00e1v\u011b od nebankovn\u00ed […]","datePublished":"2019-09-13","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.dolinka.cz\/author\/#Person","name":"","url":"https:\/\/www.dolinka.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dolinka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dolinka.cz\/wp-content\/uploads\/img_a346407_w1722_t1560764803.jpg","url":"https:\/\/www.dolinka.cz\/wp-content\/uploads\/img_a346407_w1722_t1560764803.jpg","height":0,"width":0},"url":"https:\/\/www.dolinka.cz\/hypoteky-nejsou-urcene-pro-vsechny\/","about":["Finance"],"wordCount":411,"articleBody":"           Nebankovn\u00ed sektor st\u00e1hl ji\u017e mnoho d\u016fv\u011b\u0159iv\u00fdch klient\u016f s sebou do hlubin zadlu\u017een\u00ed. Chcete b\u00fdt dal\u0161\u00edm, kdo tomu podlehne a up\u00ed\u0161e si na sebe nesmyslnou p\u016fj\u010dku? Jestli\u017ee se v\u00e1m l\u00edb\u00ed p\u0159edstava, \u017ee t\u0159eba dvacet let spl\u00e1c\u00edte \u00fav\u011br, kter\u00fd nen\u00ed v\u00fdhody ani v nejmen\u0161\u00edm, pak ur\u010dit\u011b s chut\u00ed do toho a p\u016fj\u010dte si pen\u00edze pr\u00e1v\u011b od nebankovn\u00ed spole\u010dnosti. Zejm\u00e9na ty spole\u010dnosti, kter\u00e9 se chlub\u00ed t\u00edm, \u017ee jsou schopn\u00e9 v\u00e1m p\u016fj\u010dit i bez nahl\u00ed\u017een\u00ed do registru dlu\u017en\u00edk\u016f, nejsou ke sv\u00fdm klient\u016fm zcela up\u0159\u00edmn\u00e9. Kdyby tyto spole\u010dnosti up\u0159\u00edmn\u00e9 byly, pak by si jen st\u011b\u017e\u00ed n\u011bkdo p\u016fj\u010dit pen\u00edze s nesmysln\u011b nastavenou hodnotou RPSN nebo \u00farokem, kter\u00fd m\u00e1 b\u00fdt \u00fadajn\u011b fixov\u00e1n na n\u011bkolik let. Zamyslete se nad mo\u017enostmi, kter\u00e9 m\u00e1te Abyste si nemysleli, \u017ee nebankovn\u00ed spole\u010dnosti maj\u00ed jenom sam\u00e9 nev\u00fdhody, je dobr\u00e9 si uv\u011bdomit, \u017ee tyto spole\u010dnosti v\u00e1m skute\u010dn\u011b p\u016fj\u010d\u00ed bez toho, aby bylo nutn\u00e9 nahl\u00ed\u017eet do registr\u016f https:\/\/nebankovnihypoteky.net\/hypoteka-bez-registru\/. To m\u00e1 v\u00fdhodu zejm\u00e9na tehdy, kdy\u017e jste p\u0159i\u0161li k velmi kvalitn\u00edmu p\u0159\u00edjm\u016fm, kter\u00fdmi budete disponovat po n\u011bkolik des\u00edtek let. Pokud takov\u00e9 p\u0159\u00edjmy m\u00e1te, pak nen\u00ed jedin\u00fd probl\u00e9m vz\u00edt si \u00fav\u011br, kter\u00fd nakonec p\u0159eplat\u00edte t\u0159eba i o 50 %. Ano, i tak \u0161\u00edlen\u00e9 to m\u016f\u017ee b\u00fdt, av\u0161ak samotn\u00e9 banky na tom nejsou o moc l\u00e9pe. U t\u011bch si v\u0161ak m\u016f\u017eete b\u00fdt jisti \u00farokem a RPSN, kter\u00e9 nejsou nastaven\u00e9 tak \u0161\u00edlen\u011b, jako je tomu u t\u011bchto spole\u010dnost\u00ed. Nejv\u011bt\u0161\u00ed probl\u00e9m tkv\u00ed v d\u016fv\u011b\u0159e klient\u016f Spole\u010dnosti tohoto typu nejsou a\u017e tak nev\u00fdhodn\u00e9, co se t\u00fd\u010de \u00farok\u016f, ale zejm\u00e9na, pokud jde o skryt\u00e9 a vedlej\u0161\u00ed poplatky. Jakou to m\u00e1 logiku, kdy\u017e mus\u00edte platit u\u017e jenom za zprost\u0159edkov\u00e1n\u00ed a za vy\u0159\u00edzen\u00ed \u00fav\u011bru? To je absolutn\u00ed nesmysl, stejn\u011b jako poplatky za p\u0159ed\u010dasn\u00e9 splacen\u00ed a podobn\u011b. Samostatn\u00e1 kapitola je v\u0161ak d\u016fv\u011bra klient\u016f, kte\u0159\u00ed se up\u00ed\u0161ou k \u00fav\u011bru, jen\u017e nejsou schopni z dlouhodob\u00e9ho hlediska spl\u00e1cet, a spole\u010dnost jim tento \u00fav\u011br i p\u0159esto schv\u00e1l\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ky nejsou ur\u010den\u00e9 pro v\u0161echny","item":"https:\/\/www.dolinka.cz\/hypoteky-nejsou-urcene-pro-vsechny\/#breadcrumbitem"}]}]