[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.desin.cz\/jsou-nebankovni-hypoteky-rizikem\/#Article","mainEntityOfPage":"https:\/\/www.desin.cz\/jsou-nebankovni-hypoteky-rizikem\/","headline":"Jsou nebankovn\u00ed hypot\u00e9ky rizikem?","name":"Jsou nebankovn\u00ed hypot\u00e9ky rizikem?","description":"Nebankovn\u00ed hypot\u00e9ky jsou p\u016fj\u010dky poskytovan\u00e9 jin\u00fdmi institucemi ne\u017e bankami. Jedn\u00e1 se tedy o \u00fav\u011brov\u00e1 a spo\u0159iteln\u00ed dru\u017estva, kter\u00e1 p\u016fsob\u00ed na…","datePublished":"2020-07-19","dateModified":"2020-07-19","author":{"@type":"Person","@id":"https:\/\/www.desin.cz\/author\/#Person","name":"","url":"https:\/\/www.desin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"desin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.desin.cz\/wp-content\/uploads\/no-money-2070384_1280.jpg","url":"https:\/\/www.desin.cz\/wp-content\/uploads\/no-money-2070384_1280.jpg","height":0,"width":0},"url":"https:\/\/www.desin.cz\/jsou-nebankovni-hypoteky-rizikem\/","about":["Web"],"wordCount":418,"articleBody":"       Nebankovn\u00ed hypot\u00e9ky jsou p\u016fj\u010dky poskytovan\u00e9 jin\u00fdmi institucemi ne\u017e bankami. Jedn\u00e1 se tedy o \u00fav\u011brov\u00e1 a spo\u0159iteln\u00ed dru\u017estva, kter\u00e1 p\u016fsob\u00ed na stejn\u00e9m principu p\u016fj\u010dov\u00e1n\u00ed pen\u011bz jako banky. Jist\u00fd rozd\u00edl tady ale p\u0159ece jen najdeme. Jak\u00fd?S pojmem nebankovn\u00ed hypot\u00e9ka \u010dasto sl\u00fdch\u00e1me tak\u00e9 p\u0159\u00eddomek: bez dolo\u017een\u00ed p\u0159\u00edjm\u016f. Dle posledn\u00ed \u00fapravy spot\u0159ebitelsk\u00e9ho z\u00e1kona ale toto nen\u00ed mo\u017en\u00e9 \u2013 ka\u017ed\u00fd v\u011b\u0159itel si mus\u00ed ov\u011b\u0159it pravideln\u00fd p\u0159\u00edjem a bonitu klienta p\u0159edt\u00edm, ne\u017e mu poskytne pen\u00edze. V p\u0159\u00edpad\u011b, \u017ee se tak nestane, mohl by v\u011b\u0159itel p\u0159ij\u00edt o \u00faroky a s nimi samoz\u0159ejm\u011b o d\u016fvod, pro\u010d v\u016fbec pen\u00edze druh\u00e9 stran\u011b p\u016fj\u010duje. Hlavn\u00ed rozd\u00edl mezi bankami a \u00fav\u011brov\u00fdmi dru\u017estvy tkv\u00ed ale v tom, jak p\u0159\u00edsn\u00e9 hodnocen\u00ed maj\u00ed. Bankovn\u00edm s\u00edtem toti\u017e nepropadne ka\u017ed\u00fd klient, kter\u00e9mu pravideln\u011b na \u00fa\u010det chod\u00ed v\u00fdplata.\u00da\u010del tohoto druhu \u00fav\u011bru je tak\u00e9 od klasick\u00fdch bank velmi odli\u0161n\u00fd. U nich lze hypot\u00e9ku vyu\u017e\u00edt pouze pro \u00fa\u010dely financov\u00e1n\u00ed bydlen\u00ed, renovace, p\u0159estavby apod. Oproti tomu nebankovn\u00edm spole\u010dnostem se sta\u010d\u00ed nemovitost\u00ed zaru\u010dit a z\u00edskan\u00e9 pen\u00edze pak m\u016f\u017eete pou\u017e\u00edt tak\u0159ka na cokoli. A pr\u00e1v\u011b toto je d\u016fvodem, pro\u010d jsou o n\u011bco rizikov\u011bj\u0161\u00ed. Na co je t\u0159eba si p\u0159ed uzav\u0159en\u00edm smlouvy o \u00fav\u011bru d\u00e1t pozor?PoplatkyJsou to pr\u00e1v\u011b poplatky, kter\u00e9 navy\u0161uj\u00ed celkovou vr\u00e1cenou sumu. Za poskytnut\u00ed se setk\u00e1me t\u0159eba i s 3% sazbou, co\u017e nap\u0159\u00edklad z 2 000 000 \u010d\u00e1stky ud\u011bl\u00e1 poplatek 60 000 K\u010d.Maxim\u00e1ln\u00ed v\u00fd\u0161eTady ani tak nejde o to, kolik chcete, jako sp\u00ed\u0161e o to, kolik dostanete. Od nebankovn\u00edch spole\u010dnost\u00ed nedostanete celou \u010d\u00e1stku z hodnoty nemovitosti. V pr\u016fm\u011bru se pohybujeme na necel\u00fdch 60 %.\u00darokyOd hodnot poskytovan\u00fdch bankami se odli\u0161uj\u00ed a\u017e dvojn\u00e1sobn\u011b. Za\u010d\u00edn\u00e1 se na \u00farokov\u00e9 sazb\u011b 5,99 % p.a. Pokud se ale jedn\u00e1 o ne\u00fa\u010delovou variantu, m\u016f\u017eeme se klidn\u011b dostat i na v\u00edce ne\u017e 10 %.Pokud ale m\u00e1te sen o vlastn\u00edm bydlen\u00ed nebo se chcete dostat z dluhov\u00e9 pasti, nakonec i toto \u0159e\u0161en\u00ed nemus\u00ed b\u00fdt tak \u0161patn\u00e9 a slou\u010den\u00ed p\u016fj\u010dek nebo vyplacen\u00ed exekuc\u00ed pomoc\u00ed tohoto druhu \u00fav\u011bru v\u00e1m nakonec m\u016f\u017ee vyj\u00edt l\u00e9pe.                                                                                                                                                                                                                                                                                                                                                                                                  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