[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.halasz.cz\/resenim-je-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.halasz.cz\/resenim-je-hypoteka\/","headline":"\u0158e\u0161en\u00edm je hypot\u00e9ka","name":"\u0158e\u0161en\u00edm je hypot\u00e9ka","description":"Pokud m\u00e1 podnikatel hluboko do kapsy a pot\u0159ebuje se rychle dostat k pen\u011bz\u016fm, nejednou to nem\u00e1 snadn\u00e9. Stejn\u011b jako to nemus\u00ed m\u00edt snadn\u00e9 ani jeho kolega, kter\u00fd nem\u00e1 finan\u010dn\u00ed t\u011b\u017ekosti, ale p\u0159ece jenom pot\u0159ebuje n\u011bjak\u00e9 ty prost\u0159edky nav\u00edc, kter\u00e9 by investoval do sv\u00e9ho podniku. Oba se pot\u0159ebuj\u00ed dostat k pen\u011bz\u016fm, ale ani jeden z nich...","datePublished":"2020-01-06","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.halasz.cz\/author\/#Person","name":"","url":"https:\/\/www.halasz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"halasz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.halasz.cz\/wp-content\/uploads\/img_a346555_w1707_t1560929003.jpg","url":"https:\/\/www.halasz.cz\/wp-content\/uploads\/img_a346555_w1707_t1560929003.jpg","height":0,"width":0},"url":"https:\/\/www.halasz.cz\/resenim-je-hypoteka\/","about":["Finance"],"wordCount":448,"articleBody":"       Pokud m\u00e1 podnikatel hluboko do kapsy a pot\u0159ebuje se rychle dostat k pen\u011bz\u016fm, nejednou to nem\u00e1 snadn\u00e9. Stejn\u011b jako to nemus\u00ed m\u00edt snadn\u00e9 ani jeho kolega, kter\u00fd nem\u00e1 finan\u010dn\u00ed t\u011b\u017ekosti, ale p\u0159ece jenom pot\u0159ebuje n\u011bjak\u00e9 ty prost\u0159edky nav\u00edc, kter\u00e9 by investoval do sv\u00e9ho podniku. Oba se pot\u0159ebuj\u00ed dostat k pen\u011bz\u016fm, ale ani jeden z nich nem\u00e1 jistotu, \u017ee usp\u011bje kdekoliv. Toho druh\u00e9ho toti\u017e \u010dek\u00e1 v bance po pod\u00e1n\u00ed \u017e\u00e1dosti notn\u011b slo\u017eit\u00e9 prov\u011b\u0159ov\u00e1n\u00ed s nejist\u00fdm v\u00fdsledkem, a ten prvn\u00ed je pro banku \u010dasto vysloven\u011b ztracen\u00fd p\u0159\u00edpad. A pokud necht\u011bj\u00ed obt\u00ed\u017en\u00e9 dokazov\u00e1n\u00ed sv\u00e9 solventnosti a \u010distoty sv\u00fdch \u00famysl\u016f v bance absolvovat, nezb\u00fdv\u00e1 jim, ne\u017e vsadit na jistotu jm\u00e9nem nebankovn\u00ed finan\u010dn\u00ed instituce a jej\u00ed 100% hypot\u00e9ka. Proto\u017ee zde jde skute\u010dn\u011b t\u00e9m\u011b\u0159 o s\u00e1zku na jistotu, tady usp\u011bje bezm\u00e1la ka\u017ed\u00fd. A to proto, \u017ee jsou tu po\u017eadavky daleko benevolentn\u011bj\u0161\u00ed a krit\u00e9ria splniteln\u011bj\u0161\u00ed. Aby kter\u00fdkoliv z t\u011bch v\u00fd\u0161e zm\u00edn\u011bn\u00fdch podnikatel\u016f onu stoprocentn\u00ed hypot\u00e9ku z\u00edskal, sta\u010d\u00ed pouze m\u00edt nemovitost a n\u011bjak\u00fd ten p\u0159\u00edjem, posta\u010duj\u00edc\u00ed k tomu, aby mohlo b\u00fdt spl\u00e1ceno alespo\u0148 to minimum, kter\u00e9 p\u0159i t\u00e9 kter\u00e9 p\u016fj\u010dce spl\u00e1ceno b\u00fdt mus\u00ed. Proto\u017ee ve chv\u00edli, kdy doty\u010dn\u00fd d\u00e1 onu nemovitost zvolen\u00e9 nebankovn\u00ed spole\u010dnosti do z\u00e1stavy, m\u016f\u017ee z\u00edskat v pr\u016fm\u011bru a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny, a i kdy\u017e je n\u00e1sledn\u00e9 spl\u00e1cen\u00ed mo\u017en\u00e9 rozlo\u017eit a\u017e na cel\u00fdch dlouh\u00fdch t\u0159icet let, \u010d\u00edm\u017e se v\u00fd\u0161e spl\u00e1tek sn\u00ed\u017e\u00ed na minimum, kter\u00e9 je v\u00edce ne\u017e p\u0159ijateln\u00e9, p\u0159ece jenom se v\u017edy n\u011bjak\u00e1 ta \u010d\u00e1stka platit mus\u00ed a dlu\u017en\u00edk na ni tedy mus\u00ed m\u00edt. Ov\u0161em n\u00e1roky na p\u0159\u00edjmy \u017eadatele nejsou v takov\u00e9m p\u0159\u00edpad\u011b nikterak vysok\u00e9, hrav\u011b se jim d\u00e1 vyhov\u011bt. A kdy\u017e k tomu p\u0159ipo\u010dteme, \u017ee zde ani z\u00e1znamy v registrech dlu\u017en\u00edk\u016f nehraj\u00ed na rozd\u00edl od bank \u017e\u00e1dnou v\u00fdznamnou \u00falohu, \u017ee nejsou d\u016fvodem k automatick\u00e9mu zam\u00edtnut\u00ed \u017e\u00e1dosti, je z\u0159ejm\u00e9, \u017ee tu usp\u011bje i \u017eadatel dost problematick\u00fd. Samoz\u0159ejm\u011b \u2013 jak ji\u017e zazn\u011blo \u2013 za p\u0159edpokladu, \u017ee vlastn\u00ed n\u011bjakou tu vhodnou nemovitost, ji\u017e by bylo mo\u017eno pou\u017e\u00edt coby z\u00e1ruku za tuto p\u016fj\u010dku. A proto mnoz\u00ed podnikatel\u00e9 s\u00e1zej\u00ed pr\u00e1v\u011b na tyto hypot\u00e9ky. Kde maj\u00ed sv\u00e9 jist\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0158e\u0161en\u00edm je hypot\u00e9ka","item":"https:\/\/www.halasz.cz\/resenim-je-hypoteka\/#breadcrumbitem"}]}]