[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.certnakoze.cz\/vlastni-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.certnakoze.cz\/vlastni-bydleni\/","headline":"Vlastn\u00ed bydlen\u00ed","name":"Vlastn\u00ed bydlen\u00ed","description":"St\u0159echu nad hlavou u\u017e p\u0159ece m\u00e1me. Jen\u017ee, nen\u00ed na\u0161e. M\u011bs\u00ed\u010dn\u00ed n\u00e1jem n\u011bkomu ciz\u00edmu platit mus\u00edme. A co se tak nast\u011bhovat do vlastn\u00edho? No co, v\u011b\u010dn\u011b […]","datePublished":"2019-10-09","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.certnakoze.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.certnakoze.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"certnakoze.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.certnakoze.cz\/wp-content\/uploads\/img_a368395_w1782_t1580582150.jpg","url":"https:\/\/www.certnakoze.cz\/wp-content\/uploads\/img_a368395_w1782_t1580582150.jpg","height":0,"width":0},"url":"https:\/\/www.certnakoze.cz\/vlastni-bydleni\/","about":["Slu\u017eby"],"wordCount":414,"articleBody":"          St\u0159echu nad hlavou u\u017e p\u0159ece m\u00e1me. Jen\u017ee, nen\u00ed na\u0161e. M\u011bs\u00ed\u010dn\u00ed n\u00e1jem n\u011bkomu ciz\u00edmu platit mus\u00edme. A co se tak nast\u011bhovat do vlastn\u00edho? No co, v\u011b\u010dn\u011b tu nebudeme, tak to z\u016fstane d\u011btem. N\u00e1pad je tady a \u010dlov\u011bk jej chce realizovat. N\u011bjak\u00fd pen\u00edz ji\u017e na\u0161et\u0159en\u00fd m\u00e1, ale kdy\u017e zjist\u00ed, \u017ee cena jen oby\u010dejn\u00e9ho bytu v panel\u00e1ku je asi pades\u00e1tkr\u00e1t v\u00edce, nad\u011bje pohasne. Pak v\u0161ak p\u0159ijde nov\u00fd n\u00e1pad. Jde se do banky.  Pokud m\u00e1 \u017eadatel \u0161t\u011bst\u00ed tak p\u0159ijde na \u0159adu je\u0161t\u011b t\u00e9ho\u017e dne, a je\u0161t\u011b t\u00e9ho\u017e banka \u017eadatele o poskytnut\u00ed hypot\u00e9ky tak\u00e9 vyhod\u00ed. Inu na\u0161li star\u00fd z\u00e1znam, kdy v n\u00e1valu starost\u00ed nebyla zaplacena spl\u00e1tka na auto, jen jedna, nebo snad dv\u011b, ur\u010dit\u011b ne v\u00edce ne\u017e t\u0159i, ale pak, po n\u011bjak\u00fdch tahanic\u00edch, se situace vy\u0159e\u0161ila. \u010c\u00e1stka byla doplacena pozd\u011bji a na v\u00edce spl\u00e1tek. Jen\u017ee, bohu\u017eel, u\u017e jsme v registru neplati\u010d\u016f a t\u00edm to prost\u011b zvadlo. Vymazat to nelze. Alespo\u0148 ne nyn\u00ed, a ne docela jednodu\u0161e.  Banka byla velmi p\u0159\u00edsn\u00e1 p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti, a tak lze je\u0161t\u011b zkusit spole\u010dnosti, kter\u00e9 poskytuj\u00ed nebankovn\u00ed hypot\u00e9ky. Ty toti\u017e v\u011bt\u0161inou registry nezkoumaj\u00ed. Nebankovn\u00ed hypot\u00e9ka je hodn\u011b podobn\u00e1 t\u00e9 oby\u010dejn\u00e9, s velk\u00fdm rozd\u00edlem v tom, \u017ee m\u00e1 splniteln\u011bj\u0161\u00ed podm\u00ednky pro p\u016fj\u010den\u00ed pen\u011bz. Prost\u011b nen\u00ed v posuzov\u00e1n\u00ed va\u0161\u00ed bonity tak p\u0159\u00edsn\u00e1. Bonita, tedy bonita \u017eadatele, je vlastn\u011b \u010desk\u00fd ekvivalent pro anglick\u00fd bankovn\u00ed v\u00fdraz credit worthiness. Pokud se obejdeme bez slo\u017eitost\u00ed, jde o to, zda na to m\u00e1te, tedy na p\u0159\u00edpadn\u00e9 spl\u00e1tky a zda jste d\u016fv\u011bryhodn\u00fd a ochotn\u00fd spl\u00e1cet. Banky k tomu p\u0159istupuj\u00ed dle sv\u00fdch vnit\u0159n\u00edch p\u0159edpis\u016f, z\u00e1konem nic takov\u00e9ho nen\u00ed ustanoveno, a tud\u00ed\u017e je toto zkoum\u00e1n\u00ed u ka\u017ed\u00e9 banky jin\u00e9. U nebankovn\u00ed spole\u010dnosti je tam ur\u010dit\u00e1 benevolence, tak\u017ee pokud jste m\u011bli n\u011bjak\u00fd proh\u0159e\u0161ek, tyto spole\u010dnosti to nezaj\u00edm\u00e1. Respektive, neberou na to ohled. Vy\u0159\u00edzen\u00ed p\u0159\u00edpadn\u00e9 hypot\u00e9ky je t\u00edm tedy tak\u00e9 o hodn\u011b rychlej\u0161\u00ed. Co\u017e je v dne\u0161n\u00ed dob\u011b jist\u011b velik\u00e9 plus. A to pro ob\u011b strany.                                                                                                                                                                                                                                                                                                                                                                                           4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vlastn\u00ed bydlen\u00ed","item":"https:\/\/www.certnakoze.cz\/vlastni-bydleni\/#breadcrumbitem"}]}]