[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.magas.cz\/kdyz-vas-banka-odmitne-a-vy-nevite-jak-dal\/#Article","mainEntityOfPage":"https:\/\/www.magas.cz\/kdyz-vas-banka-odmitne-a-vy-nevite-jak-dal\/","headline":"Kdy\u017e v\u00e1s banka odm\u00edtne, a vy nev\u00edte, jak d\u00e1l","name":"Kdy\u017e v\u00e1s banka odm\u00edtne, a vy nev\u00edte, jak d\u00e1l","description":"Ve chv\u00edli kdy pot\u0159ebujete hypot\u00e9ku, obvykle m\u00ed\u0159\u00edte do banky. Co kdy\u017e v\u00e1m ji ale banka odm\u00edtne poskytnou?...","datePublished":"2022-05-30","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.magas.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.magas.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f2ab007ed309e3d84abcf4139c5580b2bc94c721f9294eeb027f25de56e0a35e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f2ab007ed309e3d84abcf4139c5580b2bc94c721f9294eeb027f25de56e0a35e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"magas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.magas.cz\/wp-content\/uploads\/bank-notes-941246_640.jpg","url":"https:\/\/www.magas.cz\/wp-content\/uploads\/bank-notes-941246_640.jpg","height":0,"width":0},"url":"https:\/\/www.magas.cz\/kdyz-vas-banka-odmitne-a-vy-nevite-jak-dal\/","about":["Ekonomika"],"wordCount":422,"articleBody":"        Ve chv\u00edli kdy pot\u0159ebujete hypot\u00e9ku, obvykle m\u00ed\u0159\u00edte do banky. Co kdy\u017e v\u00e1m ji ale banka odm\u00edtne poskytnou? Pro\u010d by to d\u011blala? D\u016fvod\u016f je mnoho. Banky d\u016fkladn\u011b prov\u011b\u0159uj\u00ed bonitu \u017eadatele, a jejich n\u00e1roky jsou vysok\u00e9. A\u010dkoliv v\u00e1s tedy spl\u00e1tky mohou vyj\u00edt na n\u011bjak\u00fdch 16 tis\u00edc korun m\u011bs\u00ed\u010dn\u011b, a vy vyd\u011bl\u00e1v\u00e1te t\u0159eba pades\u00e1t, nen\u00ed to dostate\u010dn\u00fd p\u0159\u00edjem pro z\u00edsk\u00e1n\u00ed tak vysok\u00e9 hypot\u00e9ky.D\u00e1le se pak za p\u0159ek\u00e1\u017eku pova\u017euj\u00ed z\u00e1znamy v registru \u017eadatele, \u010di dokonce i vysok\u00fd v\u011bk. V takov\u00e9m p\u0159\u00edpad\u011b pak m\u016f\u017eete p\u0159ej\u00edt ke konkurenci, kterou jsou nebankovn\u00ed spole\u010dnosti. I ty nab\u00edzej\u00ed hypot\u00e9ky s mnohdy podobnou \u00farokovou sazbou jako banky, av\u0161ak jejich n\u00e1roky jsou ni\u017e\u0161\u00ed, a tedy obvykle sta\u010d\u00ed, kdy\u017e m\u00e1te jak spl\u00e1cet, a m\u00e1te se \u010d\u00edm zaru\u010dit. Mo\u017en\u00e1 tomu tak \u00fapln\u011b nev\u011b\u0159\u00edte, nebo si nejste jist\u00ed, zda v\u00e1s to v d\u016fsledku nezruinuje, co\u017e je pochopiteln\u00e9. Kdo se s t\u00edmto syst\u00e9mem nesetkal, b\u00fdv\u00e1 obvykle ned\u016fv\u011b\u0159iv\u00fd. Jak tedy postupovat?Zkuste si to spo\u010d\u00edtatP\u0159edb\u011b\u017en\u011b si m\u016f\u017eete v\u00fd\u0161i hypot\u00e9ky spo\u010d\u00edtat na nebankovn\u00ed hypote\u010dn\u00ed kalkula\u010dce Nebankovnihypoteka.cz, kde se dozv\u00edte, zda by pro v\u00e1s tento typ p\u016fj\u010dky byl v\u00fdhodn\u00fd, kolik byste platili, a zda si to v\u016fbec m\u016f\u017eete dovolit. Vyu\u017eijte mo\u017enosti nez\u00e1vazn\u00e9 konzultaceV p\u0159\u00edpad\u011b, \u017ee najdete nebankovn\u00ed spole\u010dnost, jej\u00ed\u017e nab\u00eddka se v\u00e1m zd\u00e1 uspokojiv\u00e1, m\u016f\u017eete vyplnit kr\u00e1tk\u00fd formul\u00e1\u0159, \u010di zadat sv\u00e9 telefonn\u00ed \u010d\u00edslo, a po\u010dkat, a\u017e se v\u00e1m ozve n\u011bkter\u00fd ze zdej\u0161\u00edch odborn\u00edk\u016f. V tuto chv\u00edli je\u0161t\u011b nic nepodepisujete, a tak se m\u016f\u017eete informovat o v\u0161ech n\u00e1le\u017eitostech v\u00e1mi zvolen\u00e9ho \u00fav\u011bru, a zjistit, zda je to n\u011bco pro v\u00e1s. Ve chv\u00edli kdy se rozhodnete o hypot\u00e9ku touto formou za\u017e\u00e1dat, s v\u00e1mi pracovn\u00edk v\u00e1mi zvolen\u00e9 instituce domluv\u00ed ve\u0161ker\u00e9 pot\u0159ebn\u00e9 formality, a co bude pot\u0159eba dolo\u017eit. Jedn\u00e1 se v\u0161ak o nen\u00e1ro\u010dn\u00fd postup, jeliko\u017e v\u011bt\u0161inu v\u011bc\u00ed si za\u0159\u00edd\u00ed sami, a vy tak pouze dod\u00e1te to nejnutn\u011bj\u0161\u00ed, a b\u011bhem p\u00e1r dn\u00ed m\u016f\u017eete m\u00edt pen\u00edze na \u00fa\u010dtu.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e v\u00e1s banka odm\u00edtne, a vy nev\u00edte, jak d\u00e1l","item":"https:\/\/www.magas.cz\/kdyz-vas-banka-odmitne-a-vy-nevite-jak-dal\/#breadcrumbitem"}]}]