[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sseas.cz\/nebankovni-hypoteka-bez-registru-jde-to-opravdu-i-se-zaznamem\/#Article","mainEntityOfPage":"https:\/\/www.sseas.cz\/nebankovni-hypoteka-bez-registru-jde-to-opravdu-i-se-zaznamem\/","headline":"Nebankovn\u00ed hypot\u00e9ka bez registru \u2013 jde to opravdu i se z\u00e1znamem?","name":"Nebankovn\u00ed hypot\u00e9ka bez registru \u2013 jde to opravdu i se z\u00e1znamem?","description":"Spousta klient\u016f by r\u00e1da vyu\u017e\u00edvala r\u016fzn\u00e9 formy \u00fav\u011br\u016f k tomu, aby si p\u0159ilep\u0161ili a mohli po\u0159\u00eddit v\u0161e pot\u0159ebn\u00e9 nebo se […]","datePublished":"2019-08-25","dateModified":"2019-08-25","author":{"@type":"Person","@id":"https:\/\/www.sseas.cz\/author\/#Person","name":"","url":"https:\/\/www.sseas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sseas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sseas.cz\/wp-content\/uploads\/img_a360055_w1708_t1573967827.jpg","url":"https:\/\/www.sseas.cz\/wp-content\/uploads\/img_a360055_w1708_t1573967827.jpg","height":0,"width":0},"url":"https:\/\/www.sseas.cz\/nebankovni-hypoteka-bez-registru-jde-to-opravdu-i-se-zaznamem\/","wordCount":448,"articleBody":"   Spousta klient\u016f by r\u00e1da vyu\u017e\u00edvala r\u016fzn\u00e9 formy \u00fav\u011br\u016f k tomu, aby si p\u0159ilep\u0161ili a mohli po\u0159\u00eddit v\u0161e pot\u0159ebn\u00e9 nebo se zbavili nep\u0159\u00edjemn\u00fdch dluh\u016f \u010di dokonce exekuc\u00ed. Je zde v\u0161ak po\u0159\u00e1d se opakuj\u00edc\u00ed probl\u00e9m mnoha klient\u016f a t\u00edm jsou bankovn\u00ed i nebankovn\u00ed registry dlu\u017en\u00edk\u016f. Na trhu je v\u0161ak produkt, kter\u00fd si \u0159\u00edk\u00e1 nebankovn\u00ed hypot\u00e9ka bez registru. Jak to tedy v tomto p\u0159\u00edpad\u011b opravdu je? Nahl\u00ed\u017e\u00ed finan\u010dn\u00ed spole\u010dnosti do t\u011bchto registr\u016f \u010di nikoliv?  V prvn\u00ed \u0159ad\u011b je pot\u0159ebn\u00e9 ujasnit, \u017ee jde o \u00fav\u011br od nebankovn\u00edch spole\u010dnost\u00ed, z kter\u00e9ho finance nemus\u00edte vyu\u017e\u00edt pouze na bydlen\u00ed, ale na cokoliv. \u00da\u010del vyu\u017eit\u00ed pen\u011bz se tedy nedokl\u00e1d\u00e1, tak jak je tomu u klasick\u00e9 formy hypot\u00e9ky ur\u010den\u00e9 pouze na vy\u0159e\u0161en\u00ed bydlen\u00ed. Podm\u00ednkou v\u0161ak z\u016fst\u00e1v\u00e1, \u017ee pro z\u00edsk\u00e1n\u00ed je nutn\u00e9 ru\u010den\u00ed nemovitost\u00ed. Splatnost se n\u00e1sledn\u011b nech\u00e1 rovn\u011b\u017e rozlo\u017eit a\u017e na 30 let. Pokud jde o n\u00e1hled do registr\u016f dlu\u017en\u00edk\u016f, tak obvykle to plat\u00ed p\u0159edev\u0161\u00edm u podnikatelsk\u00fdch \u00fav\u011br\u016f, p\u0159i kter\u00fdch se toleruj\u00ed i ni\u017e\u0161\u00ed p\u0159\u00edjmy. V p\u0159\u00edpad\u011b \u00fav\u011br\u016f pro b\u011b\u017en\u00e9 spot\u0159ebitele se do registr\u016f nahl\u00ed\u017e\u00ed. Neznamen\u00e1 to v\u0161ak, \u017ee pokud zde m\u00e1te n\u011bjak\u00fd z\u00e1znam, \u017ee ji\u017e nem\u00e1te \u0161anci \u00fav\u011br z\u00edskat.  Jedn\u00e1 se p\u0159edev\u0161\u00edm o to, abyste nebyli p\u0159edlu\u017een\u00ed a z\u00edsk\u00e1n\u00edm dal\u0161\u00edho \u00fav\u011bru se nedostali do je\u0161t\u011b v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed. Dal\u0161\u00edm d\u016fle\u017eit\u00fdm krit\u00e9riem je v\u00fd\u0161e p\u0159\u00edjm\u016f va\u0161ich \u010di spoludlu\u017en\u00edka. Pokud spole\u010dnost uzn\u00e1, \u017ee va\u0161e p\u0159\u00edjmy a z\u00e1znamy odpov\u00eddaj\u00ed tomu, \u017ee dal\u0161\u00ed \u00fav\u011br budete schopni spl\u00e1cet, tak pen\u00edze z\u00edskat m\u016f\u017eete. Vst\u0159\u00edcnost v\u016f\u010di v\u0161em klient\u016fm \u010casto o \u00fav\u011br a\u0165 u\u017e hypote\u010dn\u00ed nebo spot\u0159ebitelsk\u00fd \u017e\u00e1daj\u00ed u nebankovn\u00edch spole\u010dnost\u00ed klienti, kte\u0159\u00ed nemaj\u00ed \u0161anci v bance. Jak ji\u017e bylo zm\u00edn\u011bno, posouzen\u00ed ka\u017ed\u00e9ho \u017eadatele je individu\u00e1ln\u00ed z\u00e1le\u017eitost\u00ed a v\u017edy z\u00e1le\u017e\u00ed na v\u00fd\u0161i p\u0159\u00edjm\u016f a charakteru z\u00e1znam\u016f v registrech. Nebankovn\u00ed spole\u010dnost se v tomto sm\u011bru sna\u017e\u00ed vyj\u00edt vst\u0159\u00edc t\u0159eba i konsolidac\u00ed p\u016fj\u010dek \u010di vyplacen\u00edm exekuc\u00ed. Av\u0161ak i tady jde o to, aby byl klient schopn\u00fd spl\u00e1cet, proto\u017ee \u017e\u00e1dn\u00e1 spole\u010dnost netou\u017e\u00ed sv\u00e9ho klienta dostat do je\u0161t\u011b v\u011bt\u0161\u00edch finan\u010dn\u00edch pot\u00ed\u017e\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed hypot\u00e9ka bez registru \u2013 jde to opravdu i se z\u00e1znamem?","item":"https:\/\/www.sseas.cz\/nebankovni-hypoteka-bez-registru-jde-to-opravdu-i-se-zaznamem\/#breadcrumbitem"}]}]