[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kladex.cz\/jaka-rizika-prinasi-nebankovni-americka-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.kladex.cz\/jaka-rizika-prinasi-nebankovni-americka-hypoteka\/","headline":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed nebankovn\u00ed americk\u00e1 hypot\u00e9ka","name":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed nebankovn\u00ed americk\u00e1 hypot\u00e9ka","description":"Faktem je, \u017ee trh s hypot\u00e9kami je v dne\u0161n\u00ed dob\u011b pon\u011bkud p\u0159esycen. Je zde na v\u00fdb\u011br tolik produkt\u016f, \u017ee se prodejci mus\u00ed p\u0159edh\u00e1n\u011bt v l\u00e1k\u00e1n\u00ed klient\u016f. Ti v tom v\u0161em pak mohou m\u00edt zmatek a je pro n\u011b obt\u00ed\u017en\u00e9 se v tom v\u0161em orientovat, zvl\u00e1\u0161t\u011b pokud jsou to absolutn\u00ed laici. Nen\u00ed tedy divu, \u017ee se […]","datePublished":"2020-01-01","dateModified":"2023-06-01","author":{"@type":"Person","@id":"https:\/\/www.kladex.cz\/author\/#Person","name":"","url":"https:\/\/www.kladex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kladex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kladex.cz\/wp-content\/uploads\/img_a378827_w4419_t1590056652.png","url":"https:\/\/www.kladex.cz\/wp-content\/uploads\/img_a378827_w4419_t1590056652.png","height":0,"width":0},"url":"https:\/\/www.kladex.cz\/jaka-rizika-prinasi-nebankovni-americka-hypoteka\/","about":["Pen\u00edze"],"wordCount":441,"articleBody":"                                Faktem je, \u017ee trh s hypot\u00e9kami je v dne\u0161n\u00ed dob\u011b pon\u011bkud p\u0159esycen. Je zde na v\u00fdb\u011br tolik produkt\u016f, \u017ee se prodejci mus\u00ed p\u0159edh\u00e1n\u011bt v l\u00e1k\u00e1n\u00ed klient\u016f. Ti v tom v\u0161em pak mohou m\u00edt zmatek a je pro n\u011b obt\u00ed\u017en\u00e9 se v tom v\u0161em orientovat, zvl\u00e1\u0161t\u011b pokud jsou to absolutn\u00ed laici. Nen\u00ed tedy divu, \u017ee se banky i nejr\u016fzn\u011bj\u0161\u00ed finan\u010dn\u00ed spole\u010dnosti p\u0159edh\u00e1n\u011bj\u00ed ve vychvalov\u00e1n\u00ed sv\u00fdch produkt\u016f. Co u\u017e ne\u0159\u00edkaj\u00ed je fakt, \u017ee ka\u017ed\u00fd z nich sebou nese i ur\u010dit\u00e1 rizika. A u\u017e v\u016fbec ne\u0159\u00edkaj\u00ed, jak\u00e1 tato nebezpe\u010d\u00ed jsou. Pod\u00edvejme se na jeden takov\u00fd produkt, nazvan\u00fd nebankovn\u00ed americk\u00e1 hypot\u00e9ka https:\/\/www.hypotekybezregistru.cz\/. V z\u00e1sad\u011b se jedn\u00e1 o klasickou hypot\u00e9ku, tedy \u00fa\u010delov\u00fd \u00fav\u011br ur\u010den\u00fd ke koupi \u010di rekonstrukci konkr\u00e9tn\u00ed nemovitosti. Rozd\u00edl je v\u0161ak v tom, \u017ee zde nen\u00ed pot\u0159eba ru\u010ditel, nebo\u0165 z\u00e1rukou je zde ona p\u0159edm\u011btn\u00e1 nemovitost. Ta je a\u017e do \u00fapln\u00e9ho zaplacen\u00ed cel\u00e9 \u010d\u00e1stky, v\u010detn\u011b v\u0161ech \u00farok\u016f a poplatk\u016f, majetkem spole\u010dnosti, kter\u00e1 v\u00e1m hypot\u00e9ku poskytla. A jak\u00e1 rizika tedy skr\u00fdv\u00e1? P\u0159edn\u011b je nutn\u00e9 uv\u011bdomit si to, \u017ee a\u010d dan\u00fd d\u016fm \u010di byt m\u016f\u017eete klidn\u011b u\u017e\u00edvat, leg\u00e1ln\u011b jeho vlastn\u00edkem nejste. To obvykle probl\u00e9my nep\u016fsob\u00ed, av\u0161ak pokud se v\u00e1m naskytne nap\u0159\u00edklad v\u00fdhodn\u00e1 pracovn\u00ed nab\u00eddka na druh\u00e9m konci republiky, a vy se tam budete cht\u00edt p\u0159est\u011bhovat a st\u00e1vaj\u00edc\u00ed d\u016fm prodat, pak u\u017e tu m\u00e1te probl\u00e9m. Co v takov\u00e9m p\u0159\u00edpad\u011b d\u011blat? Jedinou mo\u017enost\u00ed je obr\u00e1tit se na hypote\u010dn\u00ed spole\u010dnost a pokusit se s nimi n\u011bjak domluvit. Nikde v\u0161ak nen\u00ed ps\u00e1no, \u017ee jsou povinni v\u00e1m vyhov\u011bt. Dal\u0161\u00ed riziko, plynouc\u00ed z toho, \u017ee nejste vlastn\u00edkem, je pro ty, jejich\u017e finan\u010dn\u00ed situace nen\u00ed nejlep\u0161\u00ed. M\u016f\u017eete samoz\u0159ejm\u011b v po\u0159\u00e1dku platit, av\u0161ak m\u016f\u017ee p\u0159ij\u00edt ne\u010dekan\u00e1 ztr\u00e1ta financ\u00ed, nap\u0159\u00edklad z d\u016fvodu ztr\u00e1ty zam\u011bstn\u00e1n\u00ed \u010di dlouhodob\u00e9 nemoci, a najednou spl\u00e1cet nem\u016f\u017eete. Jist\u011b, lze po\u017e\u00e1dat o odlo\u017een\u00ed spl\u00e1tek, av\u0161ak pokud v\u00e1m firma nevyhov\u00ed a vy nebudete platit, pak v\u00e1s m\u016f\u017ee i nechat vyst\u011bhovat. Proto si v\u017edy danou spole\u010dnost prov\u011b\u0159te, ne\u017e pod\u00e1te \u017e\u00e1dost, a po\u0159\u00e1dn\u011b si p\u0159e\u010dt\u011bte je\u0161t\u011b p\u0159ed podpisem smlouvu.                                                                                                                                                                                                                                                                                                                                                                                           3.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 rizika p\u0159in\u00e1\u0161\u00ed nebankovn\u00ed americk\u00e1 hypot\u00e9ka","item":"https:\/\/www.kladex.cz\/jaka-rizika-prinasi-nebankovni-americka-hypoteka\/#breadcrumbitem"}]}]