[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sonoras.cz\/je-to-bohuzel-realita\/#Article","mainEntityOfPage":"https:\/\/www.sonoras.cz\/je-to-bohuzel-realita\/","headline":"Je to bohu\u017eel realita","name":"Je to bohu\u017eel realita","description":"Ceny nemovitost\u00ed se pohybuj\u00ed u\u017e mnoho let v \u0159\u00e1du milion\u016f korun. Zat\u00edmco p\u0159ed 10 lety si ale pr\u016fm\u011brn\u011b vyd\u011bl\u00e1vaj\u00edc\u00ed \u010dlov\u011bk mohl za n\u011bkolik let na\u0161et\u0159it alespo\u0148 na garsonku na okraji <a class=\"more-link\" href=\"https:\/\/www.sonoras.cz\/je-to-bohuzel-realita\/\">[ . . . ]<\/a>","datePublished":"2025-05-12","dateModified":"2025-05-12","author":{"@type":"Person","@id":"https:\/\/www.sonoras.cz\/author\/#Person","name":"","url":"https:\/\/www.sonoras.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sonoras.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sonoras.cz\/wp-content\/uploads\/key-2323278_640_10_10_10_10_10_10_10_10_10_10_10_8.jpg","url":"https:\/\/www.sonoras.cz\/wp-content\/uploads\/key-2323278_640_10_10_10_10_10_10_10_10_10_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.sonoras.cz\/je-to-bohuzel-realita\/","about":["Ekonomika"],"wordCount":413,"articleBody":"       Ceny nemovitost\u00ed se pohybuj\u00ed u\u017e mnoho let v \u0159\u00e1du milion\u016f korun. Zat\u00edmco p\u0159ed 10 lety si ale pr\u016fm\u011brn\u011b vyd\u011bl\u00e1vaj\u00edc\u00ed \u010dlov\u011bk mohl za n\u011bkolik let na\u0161et\u0159it alespo\u0148 na garsonku na okraji okresn\u00edho m\u011bsta, dnes u\u017e to mo\u017en\u00e9 nen\u00ed. I ty nejlevn\u011bj\u0161\u00ed nemovitosti toti\u017e zdra\u017eily natolik, \u017ee lid\u00e9 nemaj\u00ed \u0161anci si na n\u011b na\u0161et\u0159it. Za b\u00fdval\u00e9ho re\u017eimu se ud\u00e1v\u00e1, \u017ee sta\u010dilo pouh\u00fdch p\u00e1r celoro\u010dn\u00edch p\u0159\u00edjm\u016f na koupi domu \u010di bytu, ale dnes je to n\u00e1sobn\u011b v\u00edce. Vlastn\u00ed bydlen\u00ed je tak pro v\u011bt\u0161inu lid\u00ed mo\u017en\u00e9 jen pomoc\u00ed hypot\u00e9ky. Hypot\u00e9ka na bydlen\u00ed je \u00fav\u011br ur\u010den\u00fd speci\u00e1ln\u011b k financov\u00e1n\u00ed bydlen\u00ed, tud\u00ed\u017e pen\u00edze z n\u00ed z\u00edskan\u00e9 je mo\u017en\u00e9 pou\u017e\u00edt jen k n\u00e1kupu nemovitosti nebo t\u0159eba k rekonstrukci.Kde si o ni po\u017e\u00e1dat? Na trhu funguj\u00ed jak banky, kter\u00e9 hypot\u00e9ky b\u011b\u017en\u011b nab\u00edz\u00ed, tak i nebankovn\u00ed spole\u010dnosti. Pro v\u011bt\u0161inu lid\u00ed je automatick\u00e9, \u017ee si o hypot\u00e9ku \u017e\u00e1daj\u00ed u banky, ale ty maj\u00ed pom\u011brn\u011b vysok\u00e9 n\u00e1roky, kter\u00e9 mus\u00ed \u017eadatel\u00e9 splnit. Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad:Naspo\u0159it stovky tis\u00edc korunM\u00edt vlastn\u00ed stavebn\u00ed pozemekNem\u00edt z\u00e1znam v registru dlu\u017en\u00edk\u016fPro spoustu lid\u00ed jsou tyto po\u017eadavky velmi vysok\u00e9, a tak p\u0159em\u00fd\u0161l\u00ed nad t\u00edm, \u017ee se obr\u00e1t\u00ed na nebankovn\u00ed sektor, kde spole\u010dnosti rovn\u011b\u017e nab\u00edz\u00ed hypot\u00e9ky. U nebankovn\u00edho sektoru je pro \u017eadatele velmi l\u00e1kav\u00e9, \u017ee v\u011bt\u0161ina ze spole\u010dnost\u00ed ne\u0159e\u0161\u00ed registry dlu\u017en\u00edk\u016f, a \u00fav\u011bry poskytne i t\u011bm, kdo z\u00e1znam v registru maj\u00ed. Je na odpov\u011bdnosti a na zv\u00e1\u017een\u00ed ka\u017ed\u00e9ho, zda a kde si n\u011bjak\u00fd \u00fav\u011br \u010di hypot\u00e9ku vezme.Je proto pot\u0159eba d\u016fkladn\u011b zv\u00e1\u017eit svoje finan\u010dn\u00ed mo\u017enosti, a to v\u010detn\u011b v\u0161ech sou\u010dasn\u00fdch z\u00e1vazk\u016f. Ty v\u00e1s mohou limitovat u banky, a i kdy\u017e v\u00e1m nebankovn\u00ed spole\u010dnost \u00fav\u011br poskytne, budete muset platit o to v\u00edc. I nebankovn\u00ed hypot\u00e9ka je st\u00e1le hypot\u00e9ka, kterou budete muset splatit. Rad\u011bji se zbavte sou\u010dasn\u00fdch z\u00e1vazk\u016f, a potom teprve \u0159e\u0161te po\u0159\u00edzen\u00ed vlastn\u00edho bydlen\u00ed pomoc\u00ed hypot\u00e9ky, a\u0165 u\u017e bankovn\u00ed a nebo nebankovn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je to bohu\u017eel realita","item":"https:\/\/www.sonoras.cz\/je-to-bohuzel-realita\/#breadcrumbitem"}]}]