[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ntenis.cz\/uver-kterym-zaplatite-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.ntenis.cz\/uver-kterym-zaplatite-bydleni\/","headline":"\u00dav\u011br, kter\u00fdm zaplat\u00edte bydlen\u00ed","name":"\u00dav\u011br, kter\u00fdm zaplat\u00edte bydlen\u00ed","description":"Drtiv\u00e1 v\u011bt\u0161ina lid\u00ed dnes pot\u0159ebuje hypot\u00e9ku k tomu, aby si mohli po\u0159\u00eddit bydlen\u00ed do osobn\u00edho vlastnictv\u00ed. Spousta lid\u00ed si \u017e\u00e1d\u00e1 o hypot\u00e9ku u sv\u00e9 banky. […]","datePublished":"2024-10-12","dateModified":"2024-10-12","author":{"@type":"Person","@id":"https:\/\/www.ntenis.cz\/author\/#Person","name":"","url":"https:\/\/www.ntenis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/858bd846075fd5b8b1d4245db80ad7e97c5f6469ebe7a8ed193790395667b9ae?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/858bd846075fd5b8b1d4245db80ad7e97c5f6469ebe7a8ed193790395667b9ae?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ntenis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ntenis.cz\/wp-content\/uploads\/money-2724245_640_10_10_10_10_10_10_10_10_10_10_10_3.jpg","url":"https:\/\/www.ntenis.cz\/wp-content\/uploads\/money-2724245_640_10_10_10_10_10_10_10_10_10_10_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.ntenis.cz\/uver-kterym-zaplatite-bydleni\/","about":["Finance"],"wordCount":422,"articleBody":"      Drtiv\u00e1 v\u011bt\u0161ina lid\u00ed dnes pot\u0159ebuje hypot\u00e9ku k tomu, aby si mohli po\u0159\u00eddit bydlen\u00ed do osobn\u00edho vlastnictv\u00ed. Spousta lid\u00ed si \u017e\u00e1d\u00e1 o hypot\u00e9ku u sv\u00e9 banky. Va\u0161e banka v\u00e1m ale nemus\u00ed nab\u00eddnout tak dobr\u00e9 podm\u00ednky a \u00faroky jako jin\u00e1 banka, a proto je lep\u0161\u00ed se obr\u00e1tit s \u017e\u00e1dost\u00ed o nab\u00eddku na v\u00edce bank a z nich si potom vybrat. Kdo si chce o hypot\u00e9ku \u017e\u00e1dat, ten mus\u00ed splnit n\u011bkolik podm\u00ednek, mezi kter\u00fdmi je nap\u0159\u00edklad skv\u011bl\u00e1 platebn\u00ed minulost, a hlavn\u011b \u017e\u00e1dn\u00fd z\u00e1pis v registru dlu\u017en\u00edk\u016f. Pro naprostou v\u011bt\u0161inu bank je takov\u00fd z\u00e1pis sign\u00e1lem, \u017ee \u017eadatel o \u00fav\u011br nen\u00ed spolehliv\u00fd pl\u00e1tce, a tak hypot\u00e9ku zam\u00edtnou. Jen\u017ee v dne\u0161n\u00ed dob\u011b je velice jednoduch\u00e9 se dostat do exekuce. Sta\u010d\u00ed kdy\u017e si jeden z man\u017eel\u016f za\u010dne br\u00e1t p\u016fj\u010dky bez v\u011bdom\u00ed toho druh\u00e9ho a nebude je spl\u00e1cet. Pokud man\u017eel\u00e9 nebudou m\u00edt z\u00fa\u017een\u00e9 SJM, exekutor bude dluh vym\u00e1hat po obou, a r\u00e1zem se tak do probl\u00e9m\u016f dostane i ten, kdo o dluz\u00edch v\u016fbec nic nev\u011bd\u011bl. Je to pom\u011brn\u011b \u010dast\u00fd zp\u016fsob, jak se lid\u00e9 dost\u00e1vaj\u00ed do finan\u010dn\u00edch probl\u00e9m\u016f. Jen\u017ee banky nezaj\u00edm\u00e1, jak se va\u0161e jm\u00e9no do registru dlu\u017en\u00edk\u016f dostalo. Je jasn\u00e9 \u017ee takov\u00fd probl\u00e9m nem\u00e1 s platebn\u00ed mor\u00e1lkou \u017eadatele v\u016fbec nic spole\u010dn\u00e9ho, ale pro banky je to kone\u010dn\u00e1. Lid\u00e9 se v takov\u00fdch situac\u00edch logicky zaj\u00edmaj\u00ed o to, zda existuj\u00ed hypot\u00e9ky bez registru. Banky registry \u0159e\u0161\u00ed v\u017edy, ale nebankovn\u00ed instituce mohou m\u00edt voln\u011bj\u0161\u00ed podm\u00ednky pro zpracov\u00e1v\u00e1n\u00ed a posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed. Mnoh\u00e9 z nich opravdu registry ne\u0159e\u0161\u00ed, ale vy\u017eaduj\u00ed z\u00e1stavu nemovitosti, aby m\u011bly z\u00e1ruku, \u017ee klient bude svoje z\u00e1vazky hradit. Z\u00edskat nebankovn\u00ed hypot\u00e9ku b\u00fdv\u00e1 jednodu\u0161\u0161\u00ed, a to je d\u016fvod, pro\u010d roste z\u00e1jem o tyto \u00fav\u011bry. V\u011bt\u0161inou si o n\u011b \u017e\u00e1daj\u00ed lid\u00e9, kter\u00fdm \u00fav\u011br zam\u00edtla banka. Ani lid\u00e9, kte\u0159\u00ed v registrech nejsou vedeni a maj\u00ed podle sv\u00e9ho n\u00e1zoru dostate\u010dn\u00e9 p\u0159\u00edjmy, nemus\u00ed hypot\u00e9ku z\u00edskat, proto\u017ee banka m\u00e1 na jejich situaci zcela odli\u0161n\u00fd n\u00e1zor. Na hypot\u00e9ku nen\u00ed pr\u00e1vn\u00ed n\u00e1rok, tak\u017ee s t\u00edm nelze nic d\u011blat.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00dav\u011br, kter\u00fdm zaplat\u00edte bydlen\u00ed","item":"https:\/\/www.ntenis.cz\/uver-kterym-zaplatite-bydleni\/#breadcrumbitem"}]}]