[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oesp.cz\/je-hypoteka-bez-registru-skutecne-vyhodna\/#Article","mainEntityOfPage":"https:\/\/www.oesp.cz\/je-hypoteka-bez-registru-skutecne-vyhodna\/","headline":"Je hypot\u00e9ka bez registru skute\u010dn\u011b v\u00fdhodn\u00e1?","name":"Je hypot\u00e9ka bez registru skute\u010dn\u011b v\u00fdhodn\u00e1?","description":"Nen\u00ed pochyb o tom, \u017ee m\u00edt vlastn\u00ed bydlen\u00ed je snem mnoha p\u0159edev\u0161\u00edm mlad\u00fdch lid\u00ed. A nen\u00ed divu,...","datePublished":"2020-08-15","dateModified":"2023-05-25","author":{"@type":"Person","@id":"https:\/\/www.oesp.cz\/author\/#Person","name":"","url":"https:\/\/www.oesp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e5312f21b37eec0871f00feffaf403580ddf46c2d055479cc6723fb0100721f2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e5312f21b37eec0871f00feffaf403580ddf46c2d055479cc6723fb0100721f2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oesp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oesp.cz\/wp-content\/uploads\/hypoteka2_10_8.jpg","url":"https:\/\/www.oesp.cz\/wp-content\/uploads\/hypoteka2_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.oesp.cz\/je-hypoteka-bez-registru-skutecne-vyhodna\/","about":["Ekonomika"],"wordCount":437,"articleBody":"   Nen\u00ed pochyb o tom, \u017ee m\u00edt vlastn\u00ed bydlen\u00ed je snem mnoha p\u0159edev\u0161\u00edm mlad\u00fdch lid\u00ed. A nen\u00ed divu, koneckonc\u016f m\u00e1 celou \u0159adu v\u00fdhod. Nap\u0159\u00edklad nemus\u00edme m\u011bs\u00ed\u010dn\u011b platit za to, \u017ee dan\u00fd byt \u010di d\u016fm u\u017e\u00edv\u00e1me, a tak\u00e9 se nemus\u00edme b\u00e1t, \u017ee n\u00e1m n\u00e1jemce neprodlou\u017e\u00ed smlouvu.Pravdou v\u0161ak je, \u017ee za norm\u00e1ln\u00edch okolnost\u00ed by bylo vlastn\u00ed bydlen\u00ed luxus, kter\u00fd by si mohl dovolit skute\u010dn\u011b jen m\u00e1lokdo. Je to samoz\u0159ejm\u011b kv\u016fli cen\u011b nemovitost\u00ed, kter\u00e1 je pom\u011brn\u011b vysok\u00e1. Samoz\u0159ejm\u011b nikoliv bezd\u016fvodn\u011b, p\u0159eci jen se jedn\u00e1 o dost omezenou komoditu.Av\u0161ak i p\u0159es tento fakt mnoho lid\u00ed sv\u016fj vlastn\u00ed d\u016fm \u010di byt m\u00e1. Jak je to mo\u017en\u00e9? D\u00edky hypot\u00e9ce, tedy \u00fa\u010delov\u00e9 p\u016fj\u010dce, ur\u010den\u00e9 ke koupi \u010di rekonstrukci ur\u010dit\u00e9, p\u0159edem dan\u00e9 nemovitosti. Zkr\u00e1tka si na ten d\u016fm p\u016fj\u010d\u00ed pen\u00edze, kter\u00e9 n\u00e1sledn\u011b spl\u00e1c\u00ed.Ov\u0161em hypot\u00e9k je pom\u011brn\u011b velk\u00e9 mno\u017estv\u00ed druh\u016f. Ty se neli\u0161\u00ed ani tak sv\u00fdm c\u00edlem, tedy poskytnut\u00edm pen\u011bz na koupi nemovitosti, n\u00fdbr\u017e sp\u00ed\u0161e podm\u00ednkami, za kter\u00fdch jsou tyto pen\u00edze poskytnuty. Jednou z t\u011bch dlouhodob\u011b nejobl\u00edben\u011bj\u0161\u00edch je pak hypot\u00e9ka bez registru. A m\u00e1 to sv\u016fj d\u016fvod.Je toti\u017e fakt, \u017ee mnoho lid\u00ed je u n\u00e1s zaps\u00e1no v registru dlu\u017en\u00edk\u016f, a to z nejr\u016fzn\u011bj\u0161\u00edch d\u016fvod\u016f. Mnoz\u00ed tam ani nejsou vlastn\u00ed vinou. Av\u0161ak v ka\u017ed\u00e9m p\u0159\u00edpad\u011b to sni\u017euje jejich \u0161ance na schv\u00e1len\u00ed \u017e\u00e1dosti o hypot\u00e9ku. Ta bez registru tuto kontrolu ned\u011bl\u00e1, \u010d\u00edm\u017e se st\u00e1v\u00e1 dostupn\u011bj\u0161\u00ed pro mnohem v\u00edce lid\u00ed.Ot\u00e1zkou v\u0161ak je, zda je tak\u00e9 pro sv\u00e9 klienty v\u00fdhodn\u00e1. Jist\u011b, m\u016f\u017ee b\u00fdt jedinou mo\u017enost\u00ed, jak z\u00edskat vlastn\u00ed bydlen\u00ed, ale skute\u010dn\u011b na tom neprod\u011bl\u00e1me?Popravd\u011b, situace nen\u00ed tak jednoduch\u00e1. Faktem toti\u017e je, \u017ee firmy, nab\u00edzej\u00edc\u00ed tento produkt, dob\u0159e v\u00ed, \u017ee si jejich z\u00e1kazn\u00edci nemohou p\u0159\u00edli\u0161 vyb\u00edrat \u2013 mnohdy jsou jejich jedinou mo\u017enost\u00ed, jak z\u00edskat vlastn\u00ed bydlen\u00ed. A tak toho samoz\u0159ejm\u011b vyu\u017e\u00edvaj\u00ed t\u00edm, \u017ee d\u00e1vaj\u00ed pom\u011brn\u011b vysok\u00e9 \u00faroky i poplatky.Jist\u011b, \u010d\u00e1ste\u010dn\u011b se t\u00edm br\u00e1n\u00ed p\u0159ed neplati\u010di, ot\u00e1zkou v\u0161ak je, zda se skute\u010dn\u011b vyplat\u00ed takovou smlouvu uzav\u00edrat. Nebylo by v tomto p\u0159\u00edpad\u011b lep\u0161\u00ed b\u00fdt v n\u00e1jmu?                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je hypot\u00e9ka bez registru skute\u010dn\u011b v\u00fdhodn\u00e1?","item":"https:\/\/www.oesp.cz\/je-hypoteka-bez-registru-skutecne-vyhodna\/#breadcrumbitem"}]}]