[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cello-ilc.cz\/na-co-si-davat-pozor-pokud-je-nam-nabidnuta-hypoteka-bez-registru\/#Article","mainEntityOfPage":"https:\/\/www.cello-ilc.cz\/na-co-si-davat-pozor-pokud-je-nam-nabidnuta-hypoteka-bez-registru\/","headline":"Na co si d\u00e1vat pozor, pokud je n\u00e1m nab\u00eddnuta hypot\u00e9ka bez registru","name":"Na co si d\u00e1vat pozor, pokud je n\u00e1m nab\u00eddnuta hypot\u00e9ka bez registru","description":"Pokud si chcete koupit d\u016fm \u010di byt a jdete si za\u017e\u00e1dat o hypot\u00e9ku, zjist\u00edte pom\u011brn\u011b brzy, \u017ee je na trhu velk\u00e9 mno\u017estv\u00ed typ\u016f a druh\u016f. A ka\u017ed\u00fd je vhodn\u00fd pro pon\u011bkud jin\u00fd druh z\u00e1kazn\u00edka. Jak ale poznat, kter\u00fd je vhodn\u00fd pro v\u00e1s? Koneckonc\u016f nab\u00eddka je takov\u00e1, \u017ee laik m\u016f\u017ee m\u00edt probl\u00e9m se v n\u00ed vyznat,...","datePublished":"2020-01-05","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.cello-ilc.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cello-ilc.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cello-ilc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cello-ilc.cz\/wp-content\/uploads\/img_a378823_w4354_t1590056380.jpg","url":"https:\/\/www.cello-ilc.cz\/wp-content\/uploads\/img_a378823_w4354_t1590056380.jpg","height":0,"width":0},"url":"https:\/\/www.cello-ilc.cz\/na-co-si-davat-pozor-pokud-je-nam-nabidnuta-hypoteka-bez-registru\/","about":["Ekonomika"],"wordCount":401,"articleBody":"        Pokud si chcete koupit d\u016fm \u010di byt a jdete si za\u017e\u00e1dat o hypot\u00e9ku, zjist\u00edte pom\u011brn\u011b brzy, \u017ee je na trhu velk\u00e9 mno\u017estv\u00ed typ\u016f a druh\u016f. A ka\u017ed\u00fd je vhodn\u00fd pro pon\u011bkud jin\u00fd druh z\u00e1kazn\u00edka. Jak ale poznat, kter\u00fd je vhodn\u00fd pro v\u00e1s? Koneckonc\u016f nab\u00eddka je takov\u00e1, \u017ee laik m\u016f\u017ee m\u00edt probl\u00e9m se v n\u00ed vyznat, nav\u00edc pokud se nevyzn\u00e1 v pou\u017e\u00edvan\u00e9 terminologii. Jedn\u00edm z typ\u016f, kter\u00e9 jsou pova\u017eov\u00e1ny za rizikov\u00e9, av\u0161ak p\u0159esto pat\u0159\u00ed k nejobl\u00edben\u011bj\u0161\u00edm, je hypot\u00e9ka bez registru Hypot\u00e9ky bez registru. Rozd\u00edl oproti jin\u00fdm spo\u010d\u00edv\u00e1 p\u0159edev\u0161\u00edm v tom, \u017ee \u017eadatel\u00e9 nejsou prov\u011b\u0159ov\u00e1n\u00ed v registru dlu\u017en\u00edk\u016f. Dos\u00e1hnou tak na ni i lid\u00e9, kte\u0159\u00ed by byli jinde odm\u00edtnuti, nebo\u0165 jsou d\u00edky tomu, \u017ee tam maj\u00ed z\u00e1znam, pova\u017eov\u00e1ni za potenci\u00e1ln\u00ed neplati\u010de a rizikov\u00e9 klienty. Nutno podotknout, \u017ee z\u00e1znam tam nemus\u00edte m\u00edt vlastn\u00ed vinou. Av\u0161ak mnoho z n\u00e1s m\u00e1 k tomuto typu hypot\u00e9ky p\u0159irozenou ned\u016fv\u011bru. Koneckonc\u016f t\u00edm, \u017ee p\u016fj\u010d\u00ed pen\u00edze i t\u011bm, kte\u0159\u00ed jsou ji\u017e zadlu\u017eeni, se vystavuj\u00ed velk\u00e9mu riziku, \u017ee klient nebude spl\u00e1cet. A to ji\u017e zav\u00e1n\u00ed praktikami n\u011bkter\u00fdch spole\u010dnost\u00ed, kter\u00e9 p\u016fj\u010duj\u00ed pen\u00edze na vysok\u00fd \u00farok, aby n\u00e1sledn\u011b na neplati\u010de po del\u0161\u00ed dob\u011b, a\u017e \u010d\u00e1stka uspokojiv\u011b naroste, poslali exekuci. Jak se tedy ochr\u00e1nit, abychom se nestali ob\u011bt\u00ed n\u011b\u010deho takov\u00e9ho? Nejlep\u0161\u00ed je samoz\u0159ejm\u011b si p\u016fj\u010dku ani hypot\u00e9ku nebrat. N\u011bkdy se v\u0161ak zd\u00e1, \u017ee skute\u010dn\u011b jinou mo\u017enost nem\u00e1me. Jak tedy minimalizovat riziko v takov\u00e9m p\u0159\u00edpad\u011b? Za prv\u00e9 si spole\u010dnost d\u016fkladn\u011b prov\u011b\u0159te. Hledejte p\u0159edev\u0161\u00edm reference st\u00e1vaj\u00edc\u00edch i b\u00fdval\u00fdch z\u00e1kazn\u00edk\u016f. Ty jsou asi nejcenn\u011bj\u0161\u00edm zdrojem informac\u00ed. Tak\u00e9 si po\u0159\u00e1dn\u011b p\u0159e\u010dt\u011bte podm\u00ednky smlouvy, kterou budete podepisovat. Zaj\u00edmejte se p\u0159edev\u0161\u00edm, jak\u00e9 jsou v\u0161echny mo\u017en\u00e9 poplatky, jak vysok\u00e9 jsou \u00faroky i RSPN. Pokud se u\u017e pro ni rozhodn\u011bte, tak d\u00e1vejte hlavn\u011b velk\u00fd pozor, abyste v\u0161echny platby odv\u00e1d\u011bli v\u010das. T\u00edm se vyhnete mnoha probl\u00e9m\u016fm.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na co si d\u00e1vat pozor, pokud je n\u00e1m nab\u00eddnuta hypot\u00e9ka bez registru","item":"https:\/\/www.cello-ilc.cz\/na-co-si-davat-pozor-pokud-je-nam-nabidnuta-hypoteka-bez-registru\/#breadcrumbitem"}]}]