[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lelkoun.cz\/kdy-se-vyplati-vzit-si-nebankovni-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.lelkoun.cz\/kdy-se-vyplati-vzit-si-nebankovni-hypoteku\/","headline":"Kdy se vyplat\u00ed vz\u00edt si nebankovn\u00ed hypot\u00e9ku","name":"Kdy se vyplat\u00ed vz\u00edt si nebankovn\u00ed hypot\u00e9ku","description":"Co je to nebankovn\u00ed hypot\u00e9ka Co je to vlastn\u011b nebankovn\u00ed hypot\u00e9ka? Jde o takov\u00fd \u00fav\u011br, kter\u00fd nen\u00ed poskytov\u00e1n bankou, ale […]","datePublished":"2025-12-21","dateModified":"2025-12-21","author":{"@type":"Person","@id":"https:\/\/www.lelkoun.cz\/author\/#Person","name":"","url":"https:\/\/www.lelkoun.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6f4c870cee2491a38c4099d0d4506a73241091e099e5d57196b9728ac147d91e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6f4c870cee2491a38c4099d0d4506a73241091e099e5d57196b9728ac147d91e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lelkoun.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lelkoun.cz\/wp-content\/uploads\/home-ownership-6688954_640_6.jpg","url":"https:\/\/www.lelkoun.cz\/wp-content\/uploads\/home-ownership-6688954_640_6.jpg","height":0,"width":0},"url":"https:\/\/www.lelkoun.cz\/kdy-se-vyplati-vzit-si-nebankovni-hypoteku\/","about":["Pen\u00edze"],"wordCount":387,"articleBody":"       Co je to nebankovn\u00ed hypot\u00e9kaCo je to vlastn\u011b nebankovn\u00ed hypot\u00e9ka? Jde o takov\u00fd \u00fav\u011br, kter\u00fd nen\u00ed poskytov\u00e1n bankou, ale n\u011bjakou nebankovn\u00ed spole\u010dnost\u00ed nebo investorem. Jedn\u00e1 se o \u00fav\u011br, kter\u00fd je zaji\u0161t\u011bn\u00fd nemovitost\u00ed. Je dostupn\u011bj\u0161\u00ed t\u011bm lidem, u kter\u00fdch banka \u017e\u00e1dost o hypot\u00e9ku zam\u00edtla, a\u0165 u\u017e z d\u016fvodu nedostate\u010dn\u00fdch nebo obt\u00ed\u017en\u011b dolo\u017eiteln\u00fdch p\u0159\u00edjm\u016f \u010di negativn\u00edho z\u00e1pisu v registrech dlu\u017en\u00edk\u016f. Na druhou stranu je ale t\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee nebankovn\u00ed hypot\u00e9ky jsou oproti t\u011bm bankovn\u00edm dra\u017e\u0161\u00ed. Maj\u00ed toti\u017e vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby a poplatky.Hlavn\u00ed v\u00fdhody nebankovn\u00edch hypot\u00e9kZaj\u00edmaj\u00ed v\u00e1s p\u0159edev\u0161\u00edm plusy? Nebankovn\u00ed hypot\u00e9ka a jej\u00ed v\u00fdhody zaj\u00edmaj\u00ed dlouhou \u0159adu potenci\u00e1ln\u00edch z\u00e1jemc\u016f o tento typ \u00fav\u011bru. Hlavn\u00edm plusem je v\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed schv\u00e1len\u00ed \u017e\u00e1dosti ne\u017e v p\u0159\u00edpad\u011b bankovn\u00edch hypot\u00e9k. V tomto p\u0159\u00edpad\u011b jsou toti\u017e ni\u017e\u0161\u00ed n\u00e1roky na bonitu \u017eadatele. V\u00fdhodou je i rychl\u00e9 vy\u0159\u00edzen\u00ed a v n\u011bkter\u00fdch p\u0159\u00edpadech i bez\u00fa\u010delov\u00e9 pou\u017eit\u00ed pen\u011bz (nap\u0159. v p\u0159\u00edpad\u011b americk\u00e9 hypot\u00e9ky). Tento zp\u016fsob financov\u00e1n\u00ed je dostupn\u00fd i pro podnikatele. Komu se nebankovn\u00ed hypot\u00e9ka vyplat\u00edKomu se to vlastn\u011b vyplat\u00ed? Nebankovn\u00ed hypot\u00e9ka se vyplat\u00ed t\u011bm, kte\u0159\u00ed byli bankou odm\u00edtnuti z r\u016fzn\u00fdch d\u016fvod\u016f (nap\u0159. z d\u016fvodu insolvence \u010di exekuce) a t\u011bm, kte\u0159\u00ed pen\u00edze pot\u0159ebuj\u00ed z\u00edskat rychle a \u00fa\u010delov\u011b. M\u016f\u017ee j\u00edt i o jak\u00fdsi most ke klasick\u00e9 bankovn\u00ed hypot\u00e9ce, kdy bude n\u00e1sledn\u011b v bance za v\u00fdhodn\u011bj\u0161\u00edch podm\u00ednek refinancov\u00e1na. Podm\u00ednky z\u00edsk\u00e1n\u00ed nebankovn\u00ed hypot\u00e9kyJak\u00e9 jsou hlavn\u00ed podm\u00ednky z\u00edsk\u00e1n\u00ed nebankovn\u00ed hypot\u00e9ky? Je to p\u0159edev\u0161\u00edm mo\u017enost ru\u010den\u00ed vhodnou nemovitost\u00ed. Dal\u0161\u00ed podm\u00ednkou je nutnost prok\u00e1zat n\u011bjak\u00fd p\u0159\u00edjem, a to klidn\u011b i nepravideln\u00fd. Zji\u0161\u0165uje se i to, zda \u017eadatel nen\u00ed insolvenci nebo nem\u00e1 exekuci. V takov\u00e9 situaci m\u016f\u017ee pomoci nebankovn\u00ed spole\u010dnost exekuce vyplatit. V\u011bt\u0161inou je po\u017eadov\u00e1n i vlastn\u00ed vklad, a to nej\u010dast\u011bji kolem 10-30 % hodnoty nemovitosti.                                                                                                                                                                                                                                                                                                                                                                                           3\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy se vyplat\u00ed vz\u00edt si nebankovn\u00ed hypot\u00e9ku","item":"https:\/\/www.lelkoun.cz\/kdy-se-vyplati-vzit-si-nebankovni-hypoteku\/#breadcrumbitem"}]}]