[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tevacz.cz\/hypoteka-bez-nemovitosti-je-to-mozne\/#Article","mainEntityOfPage":"https:\/\/www.tevacz.cz\/hypoteka-bez-nemovitosti-je-to-mozne\/","headline":"Hypot\u00e9ka bez nemovitosti. Je to mo\u017en\u00e9?","name":"Hypot\u00e9ka bez nemovitosti. Je to mo\u017en\u00e9?","description":"Koup\u011b domu nebo bytu je pro mnoho lid\u00ed obrovsk\u00fdm snem. Naj\u00edt to nejlep\u0161\u00ed nen\u00ed jednoduch\u00e9 a m\u016f\u017ee to n\u011bjak\u00fd \u010das trvat. Pokud si ov\u0161em chcete u\u017e\u00edt moment\u00e1ln\u00ed \u00farokov\u00e9 sazby a vy\u0159\u00eddit si \u00fav\u011br u\u017e te\u010f, m\u00e1te \u0161anci. Na klasickou hypot\u00e9ku bez z\u00e1stavy ov\u0161em zapome\u0148te, proto\u017ee takov\u00fd produkt v \u010cech\u00e1ch neexistuje. K dispozici m\u00e1te ale jin\u00e9, […]","datePublished":"2019-09-20","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.tevacz.cz\/author\/#Person","name":"tevacz.cz\n","url":"https:\/\/www.tevacz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tevacz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tevacz.cz\/wp-content\/uploads\/img_a364921_w1926_t1578135897.jpg","url":"https:\/\/www.tevacz.cz\/wp-content\/uploads\/img_a364921_w1926_t1578135897.jpg","height":0,"width":0},"url":"https:\/\/www.tevacz.cz\/hypoteka-bez-nemovitosti-je-to-mozne\/","about":["Finance"],"wordCount":441,"articleBody":"           Koup\u011b domu nebo bytu je pro mnoho lid\u00ed obrovsk\u00fdm snem. Naj\u00edt to nejlep\u0161\u00ed nen\u00ed jednoduch\u00e9 a m\u016f\u017ee to n\u011bjak\u00fd \u010das trvat. Pokud si ov\u0161em chcete u\u017e\u00edt moment\u00e1ln\u00ed \u00farokov\u00e9 sazby a vy\u0159\u00eddit si \u00fav\u011br u\u017e te\u010f, m\u00e1te \u0161anci. Na klasickou hypot\u00e9ku bez z\u00e1stavy ov\u0161em zapome\u0148te, proto\u017ee takov\u00fd produkt v \u010cech\u00e1ch neexistuje. K dispozici m\u00e1te ale jin\u00e9, kter\u00e9 funguj\u00ed stejn\u011b a z\u00e1stavu k nim nepot\u0159ebujete.    U nebankovn\u00edch spole\u010dnost\u00ed m\u00e1te skv\u011blou \u0161anci z\u00edskat nejen \u00fav\u011br bez z\u00e1stavy, ale tak\u00e9 bez dokladu p\u0159\u00edjm\u016f a bez registru https:\/\/www.hypoteka-bez-registru.net\/hypoteky_bez_registru\/. To znamen\u00e1, \u017ee je nebude zaj\u00edmat seznam dlu\u017en\u00edk\u016f. Nav\u00edc jejich p\u016fj\u010dku bez registru m\u016f\u017eete vyu\u017e\u00edt k podnikatelsk\u00fdm \u00fa\u010del\u016fm.   \u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed  Jednou z mo\u017enost\u00ed v p\u0159\u00edpad\u011b absence nemovitosti je vyu\u017eit\u00ed stavebn\u00edho spo\u0159en\u00ed. V katalogu spo\u0159itelny ho m\u016f\u017eete naj\u00edt s ozna\u010den\u00edm \u201c\u0159\u00e1dn\u00fd\u201c. Jedn\u00e1 se o skv\u011blou a v\u00fdhodnou p\u0159\u00edle\u017eitost, ale m\u00e1 sv\u00e9 podm\u00ednky. Pochopiteln\u00e9 je, \u017ee tento produkt mus\u00edte vyu\u017e\u00edvat. Co dal\u0161\u00edho mus\u00edte splnit? Naspo\u0159eny mus\u00ed b\u00fdt ur\u010dit\u00e1 procenta z fin\u00e1lov\u00e9 \u010d\u00e1stky.  Nutnost dosa\u017een\u00ed tzv. hodnot\u00edc\u00edho \u010d\u00edsla.  \u010cekac\u00ed lh\u016fta je omezena na dva roky.    Nev\u00fdhodou t\u00e9to varianty je fakt, \u017ee v r\u00e1mci p\u016fj\u010dky m\u016f\u017eete z\u00edskat pom\u011brn\u011b n\u00edzkou \u010d\u00e1stku. V p\u0159\u00edpad\u011b, \u017ee se rozhodnete pro koupi bytu v men\u0161\u00edm m\u011bst\u011b, m\u011blo by v\u00e1m to i tak sta\u010dit. Z\u00e1le\u017e\u00ed ov\u0161em na tom, jak velk\u00fd finan\u010dn\u00ed obnos pot\u0159ebujete.   P\u0159edhypote\u010dn\u00ed \u00fav\u011br  V\u00edte, \u017ee si d\u016fm najdete do roku nebo dvou let? V tom p\u0159\u00edpad\u011b je pro v\u00e1s tato varianta ide\u00e1ln\u00ed. Banky ji poskytuj\u00ed maxim\u00e1ln\u011b na dva roky s t\u00edm, \u017ee pot\u00e9 nastoup\u00ed klasick\u00e9 spl\u00e1cen\u00ed. M\u00e1te tak a\u017e dva roky na to, abyste si sehnali vysn\u011bnou nemovitost. B\u011bhem t\u00e9to doby jim mus\u00edte dolo\u017eit vlastnick\u00e9 pr\u00e1vo na objekt, na kter\u00fd se poskytnut\u00e9 finance vztahuj\u00ed.   Posledn\u00ed mo\u017enost\u00ed je b\u011b\u017en\u00e1 spot\u0159ebitelsk\u00e1 p\u016fj\u010dka. Po\u010d\u00edtat ale mus\u00edte s t\u00edm, \u017ee m\u00e1 vysok\u00e9 \u00farokov\u00e9 sazby a maxim\u00e1ln\u00ed poskytovan\u00fd obnos se pohybuje kolem 600 tis\u00edc a\u017e 800 tis\u00edc korun. A to na koupi nov\u00e9ho bytu rozhodn\u011b nesta\u010d\u00ed. V kombinaci s vy\u0161\u0161\u00edmi \u00fasporami to ale dohromady d\u00e1te.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka bez nemovitosti. Je to mo\u017en\u00e9?","item":"https:\/\/www.tevacz.cz\/hypoteka-bez-nemovitosti-je-to-mozne\/#breadcrumbitem"}]}]