[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.saldera.cz\/jakou-zaruku-muzete-zvolit-za-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.saldera.cz\/jakou-zaruku-muzete-zvolit-za-hypoteku\/","headline":"Jakou z\u00e1ruku m\u016f\u017eete zvolit za hypot\u00e9ku?","name":"Jakou z\u00e1ruku m\u016f\u017eete zvolit za hypot\u00e9ku?","description":"Jestli\u017ee se zaj\u00edm\u00e1te o nebankovn\u00ed hypot\u00e9ku, pak jste si jist\u011b v\u0161imli jedn\u00e9 v\u00fdznamn\u00e9 skute\u010dnosti \u2013 k tomu, abyste tento \u00fav\u011br mohli z\u00edskat, je vy\u017eadov\u00e1no ru\u010den\u00ed nemovitost\u00ed. Na takovou podm\u00ednku naraz\u00edte na hypote\u010dn\u00edm trhu jedin\u011b u nebankovn\u00edch spole\u010dnost\u00ed, a pak tak\u00e9 u americk\u00e9 p\u016fj\u010dky. Pro\u010d tomu tak je? Jedn\u00e1 se o to, \u017ee jak nebankovn\u00ed hypot\u00e9ky, […]","datePublished":"2019-09-13","dateModified":"2019-09-13","author":{"@type":"Person","@id":"https:\/\/www.saldera.cz\/author\/#Person","name":"","url":"https:\/\/www.saldera.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9d25b0af9840660883a67790aa4f595ddc226aa4680c4cf7bc03a25c14fcef85?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9d25b0af9840660883a67790aa4f595ddc226aa4680c4cf7bc03a25c14fcef85?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"saldera.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.saldera.cz\/wp-content\/uploads\/img_a351230_w1720_t1565881732.jpg","url":"https:\/\/www.saldera.cz\/wp-content\/uploads\/img_a351230_w1720_t1565881732.jpg","height":0,"width":0},"url":"https:\/\/www.saldera.cz\/jakou-zaruku-muzete-zvolit-za-hypoteku\/","wordCount":409,"articleBody":"         Jestli\u017ee se zaj\u00edm\u00e1te o nebankovn\u00ed hypot\u00e9ku, pak jste si jist\u011b v\u0161imli jedn\u00e9 v\u00fdznamn\u00e9 skute\u010dnosti \u2013 k tomu, abyste tento \u00fav\u011br mohli z\u00edskat, je vy\u017eadov\u00e1no ru\u010den\u00ed nemovitost\u00ed. Na takovou podm\u00ednku naraz\u00edte na hypote\u010dn\u00edm trhu jedin\u011b u nebankovn\u00edch spole\u010dnost\u00ed, a pak tak\u00e9 u americk\u00e9 p\u016fj\u010dky. Pro\u010d tomu tak je? Jedn\u00e1 se o to, \u017ee jak nebankovn\u00ed hypot\u00e9ky, tak bez\u00fa\u010delov\u00fd americk\u00fd \u00fav\u011br vych\u00e1zej\u00ed \u017eadatel\u016fm o pen\u00edze maxim\u00e1ln\u011b vst\u0159\u00edc a pro jejich poskytovatele znamenaj\u00ed nemal\u00e9 riziko. A takov\u00e9 vysok\u00e9 riziko je pot\u0159eba vhodn\u011b kompenzovat \u2013 pr\u00e1v\u011b t\u00edm, \u017ee za sv\u016fj \u00fav\u011br budete ru\u010dit nemovitost\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b je jasn\u00e9, \u017ee se budete maxim\u00e1ln\u011b sna\u017eit, abyste spl\u00e1tky i s \u00faroky hradili v\u017edy v\u010das a pe\u010dliv\u011b, proto\u017ee v opa\u010dn\u00e9m p\u0159\u00edpad\u011b v\u00e1m hroz\u00ed, \u017ee o z\u00e1ruku v podob\u011b nemovitosti p\u0159ijdete. A pokud se n\u00e1hodou dostanete do finan\u010dn\u00edch probl\u00e9m\u016f, tak m\u00e1 v\u00e1\u0161 v\u011b\u0159itel jistotu, \u017ee jeho pen\u00edze nebudou nav\u011bky ztraceny, ale \u017ee si svou ztr\u00e1tu bude moci kompenzovat prodejem va\u0161\u00ed nemovitosti. Je jasn\u00e9, \u017ee v\u011bt\u0161ina \u017eadatel\u016f si p\u0159\u00edli\u0161 vyb\u00edrat nem\u016f\u017ee. Mnoho lid\u00ed m\u00e1 k dispozici maxim\u00e1ln\u011b jednu, mo\u017en\u00e1 dv\u011b nemovitosti, kter\u00e9 mohou k ru\u010den\u00ed vyu\u017e\u00edt, n\u011bkte\u0159\u00ed nemaj\u00ed dokonce \u017e\u00e1dnou. Ov\u0161em i na nemajetn\u00e9 lidi nebankovn\u00ed hypot\u00e9ky pamatuj\u00ed. Ten, kdo nen\u00ed schopn\u00fd poskytnout vhodnou z\u00e1ruku, mus\u00ed naj\u00edt ochotn\u00e9ho spoluru\u010ditele, kter\u00fd se za jeho p\u016fj\u010dku zaru\u010d\u00ed sv\u00fdm vlastn\u00edm majetkem. Ov\u0161em pokud jde o konkr\u00e9tn\u00ed nemovitosti, m\u00e1te mnoho mo\u017enost\u00ed na v\u00fdb\u011br. Klidn\u011b m\u016f\u017eete ru\u010dit i gar\u00e1\u017e\u00ed anebo zahradn\u00ed chatou, v podstat\u011b jde jen o hodnotu takov\u00e9 nemovitosti. \u010c\u00edm bude vy\u0161\u0161\u00ed, t\u00edm vy\u0161\u0161\u00ed \u00fav\u011br m\u016f\u017eete z\u00edskat. Ani hypot\u00e9ka na dru\u017estevn\u00ed byt FAHD anebo hypot\u00e9ka na pozemek nen\u00ed ni\u010d\u00edm v\u00fdjime\u010dn\u00fdm. I v takov\u00e9m p\u0159\u00edpad\u011b se jedn\u00e1 o cennou z\u00e1ruku, oproti kter\u00e9 m\u016f\u017eete m\u00edt v kapse po\u0159\u00e1dn\u011b tu\u010dn\u00fd \u00fav\u011br na cokoli, co budete pot\u0159ebovat. A jakmile sv\u016fj \u00fav\u011br splat\u00edte i s \u00faroky, va\u0161e nemovitost bude op\u011bt va\u0161e a bez v\u011bcn\u00e9ho b\u0159emena.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jakou z\u00e1ruku m\u016f\u017eete zvolit za hypot\u00e9ku?","item":"https:\/\/www.saldera.cz\/jakou-zaruku-muzete-zvolit-za-hypoteku\/#breadcrumbitem"}]}]