[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/okpk.cz\/proc-prave-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/okpk.cz\/proc-prave-nebankovni-hypoteky\/","headline":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ky?","name":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ky?","description":"Kdy\u017e se n\u011bkdo dostane do finan\u010dn\u00edch probl\u00e9m\u016f, ze kter\u00fdch nevid\u00ed \u017e\u00e1dn\u00e9ho v\u00fdchodiska, nejednou se rozhodne vz\u00edt si p\u016fj\u010dku. Na \u010dem\u017e nen\u00ed v\u016fbec nic \u0161patn\u00e9ho, proto\u017ee i to je \u0159e\u0161en\u00ed, a pokud doty\u010dn\u00fd s takto z\u00edskan\u00fdmi pen\u011bzi nakl\u00e1d\u00e1 rozumn\u011b a \u0159\u00e1dn\u011b je spl\u00e1c\u00ed, nen\u00ed d\u016fvod m\u00edt mu to n\u011bjak za zl\u00e9. Ov\u0161em vz\u00edt si p\u016fj\u010dku, to","datePublished":"2019-08-05","dateModified":"2019-08-05","author":{"@type":"Person","@id":"https:\/\/okpk.cz\/author\/#Person","name":"","url":"https:\/\/okpk.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"okpk.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/okpk.cz\/wp-content\/uploads\/img_a360149_w2028_t1574016747.jpg","url":"https:\/\/okpk.cz\/wp-content\/uploads\/img_a360149_w2028_t1574016747.jpg","height":0,"width":0},"url":"https:\/\/okpk.cz\/proc-prave-nebankovni-hypoteky\/","about":["Internet"],"wordCount":433,"articleBody":"   Kdy\u017e se n\u011bkdo dostane do finan\u010dn\u00edch probl\u00e9m\u016f, ze kter\u00fdch nevid\u00ed \u017e\u00e1dn\u00e9ho v\u00fdchodiska, nejednou se rozhodne vz\u00edt si p\u016fj\u010dku. Na \u010dem\u017e nen\u00ed v\u016fbec nic \u0161patn\u00e9ho, proto\u017ee i to je \u0159e\u0161en\u00ed, a pokud doty\u010dn\u00fd s takto z\u00edskan\u00fdmi pen\u011bzi nakl\u00e1d\u00e1 rozumn\u011b a \u0159\u00e1dn\u011b je spl\u00e1c\u00ed, nen\u00ed d\u016fvod m\u00edt mu to n\u011bjak za zl\u00e9. Ov\u0161em vz\u00edt si p\u016fj\u010dku, to nemus\u00ed b\u00fdt jenom tak. Zejm\u00e9na lid\u00e9, kte\u0159\u00ed u\u017e v\u011bz\u00ed ve finan\u010dn\u00edch pot\u00ed\u017e\u00edch a\u017e po u\u0161i, toti\u017e nejednou p\u0159i \u017e\u00e1d\u00e1n\u00ed o takovouto pomoc poho\u0159\u00ed. Jakmile se bankovn\u00ed \u00fa\u0159edn\u00edci dozv\u011bd\u00ed o \u017eadatelov\u00fdch n\u00edzk\u00fdch p\u0159\u00edjmech, jakmile uvid\u00ed nedostate\u010dn\u011b kvalitn\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, jakmile objev\u00ed \u017eadatel\u016fv z\u00e1znam v registrech dlu\u017en\u00edk\u016f nebo odhal\u00ed jin\u00e9 nedostatky, je \u010dasto konec v\u0161em nad\u011bj\u00edm. To v\u0161ak na\u0161t\u011bst\u00ed pouze v bank\u00e1ch. A nikoliv v nebankovn\u00edch instituc\u00edch, nab\u00edzej\u00edc\u00edch daleko sn\u00e1ze dostupn\u00e9 alternativy. T\u0159eba takov\u00e1 hypot\u00e9ka bez p\u0159\u00edjmu je u nich u\u010din\u011bn\u00e9 terno pro ka\u017ed\u00e9ho, kdo by s velkou pravd\u011bpodobnost\u00ed nikde jin\u00e9 neusp\u011bl. A\u0165 u\u017e je \u017eadatelem spot\u0159ebitel nebo podnikatel, je takov\u00e1to hypot\u00e9ka s\u00e1zkou na jistotu. A to z nejednoho d\u016fvodu. T\u00edm hlavn\u00edm, co je z pohledu komplikovan\u00fdch \u017eadatel\u016f pozitivn\u00edm, je to, \u017ee zde nen\u00ed zavedeno d\u016fkladn\u00e9 a p\u0159\u00edsn\u00e9 prov\u011b\u0159ov\u00e1n\u00ed \u017eadatel\u016f. Tady sta\u010d\u00ed, kdy\u017e vlastn\u00ed \u010dlov\u011bk nemovitost odpov\u00eddaj\u00edc\u00ed hodnoty a m\u016f\u017ee ji nab\u00eddnout za p\u016fj\u010den\u00e9 pen\u00edze do z\u00e1stavy a kdy\u017e m\u00e1 tento alespo\u0148 takov\u00e9 p\u0159\u00edjmy, je\u017e sta\u010d\u00ed alespo\u0148 na ty nejni\u017e\u0161\u00ed mo\u017en\u00e9 spl\u00e1tky. Kdo v tom pr\u00e1v\u011b zm\u00edn\u011bn\u00e9m vyhov\u00ed, nemus\u00ed m\u00edt strach ani ze z\u00e1znam\u016f v registrech, ani z ne a\u017e tak vysok\u00fdch p\u0159\u00edjm\u016f, nemus\u00ed se hrozit ani existence dal\u0161\u00edch dluh\u016f nebo exekuc\u00ed. Proto\u017ee toto v\u0161e lze s pomoc\u00ed nebankovn\u00ed sf\u00e9ry vy\u0159e\u0161it, respektive nad t\u00edmto m\u016f\u017ee poskytovatel p\u0159imhou\u0159it oko. A tak tu sta\u010d\u00ed jenom vyplnit formul\u00e1\u0159 na webu a poslat n\u011bkolik fotografi\u00ed zm\u00edn\u011bn\u00e9 nemovitosti e-mailem k posouzen\u00ed a do \u010dty\u0159iadvaceti hodin je rozhodnuto, zda doty\u010dn\u00fd pen\u00edze dostane. A po podpisu smlouvy jsou tyto poskytnuty velice rychle a za nejednou p\u0159\u00edmo ide\u00e1ln\u00edch podm\u00ednek. To mi v\u011b\u0159te.                                                                                                                                                                                                                                                                                                                                                                                                  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