[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.maruli.cz\/proc-prave-nebankovni-uver\/#Article","mainEntityOfPage":"https:\/\/www.maruli.cz\/proc-prave-nebankovni-uver\/","headline":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed \u00fav\u011br?","name":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed \u00fav\u011br?","description":"Dne\u0161n\u00ed ceny nemovitost\u00ed jsou opravdu p\u0159emr\u0161t\u011bn\u00e9, nen\u00ed se tak \u010demu divit, \u017ee \u0159ada lid\u00ed mus\u00ed s\u00e1hnout po hypot\u00e9ce a zadlu\u017eit…","datePublished":"2020-10-24","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.maruli.cz\/author\/#Person","name":"","url":"https:\/\/www.maruli.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"maruli.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.maruli.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20v%20dlani_2.jpg","url":"https:\/\/www.maruli.cz\/wp-content\/uploads\/kl%C3%AD%C4%8De%20v%20dlani_2.jpg","height":0,"width":0},"url":"https:\/\/www.maruli.cz\/proc-prave-nebankovni-uver\/","about":["Ekonomika"],"wordCount":402,"articleBody":"       Dne\u0161n\u00ed ceny nemovitost\u00ed jsou opravdu p\u0159emr\u0161t\u011bn\u00e9, nen\u00ed se tak \u010demu divit, \u017ee \u0159ada lid\u00ed mus\u00ed s\u00e1hnout po hypot\u00e9ce a zadlu\u017eit se na n\u011bkolik des\u00edtek let, aby si v\u016fbec pr\u016fm\u011brn\u00fd byt v Praze o rozloze 50 m2 mohla dovolit. V takov\u00e9m p\u0159\u00edpad\u011b jsou to pr\u00e1v\u011b banky, kter\u00e9 by n\u00e1m m\u011bli podat pomocnou ruku a pot\u0159ebn\u00e9 finance pro pln\u011bn\u00ed na\u0161ich sn\u016f. Realita je ov\u0161em mnohdy jin\u00e1, a pokud nepat\u0159\u00edte mezi bonitn\u00ed klienty, banka za v\u00e1mi zav\u0159e dve\u0159e. Co te\u010f?Jednou z mo\u017enost\u00ed jsou pr\u00e1v\u011b nebankovn\u00ed spole\u010dnosti. Ty maj\u00ed tu v\u00fdhodu, \u017ee ke sv\u00fdm klient\u016fm p\u0159istupuj\u00ed trochu jin\u00fdm zp\u016fsobem. P\u0159\u00edli\u0161 ne\u0159e\u0161\u00ed finan\u010dn\u00ed minulost \u017eadatele a na jejich p\u016fj\u010dky tak dos\u00e1hne t\u00e9m\u011b\u0159 ka\u017ed\u00fd. Vy\u0159\u00edzen\u00ed je velmi snadn\u00e9, u men\u0161\u00edch \u010d\u00e1stek v\u0161e vy\u0159\u00edd\u00edte p\u0159es internet v pohodl\u00ed domova. Ov\u0161em nebankovn\u00ed spole\u010dnosti nab\u00edzej\u00ed i dal\u0161\u00ed produkty. Jedn\u00edm z nich je americk\u00e1 nebankovn\u00ed hypot\u00e9ka, kter\u00e1 je ne\u00fa\u010delov\u00e1 a pen\u00edze z n\u00ed m\u016f\u017eete vyu\u017e\u00edt, na cokoliv chcete. Ne\u00fa\u010delov\u00e9 \u00fav\u011bry maj\u00ed tu v\u00fdhodu, \u017ee smlouva p\u0159esn\u011b nedefinuje, na co pen\u00edze mohou b\u00fdt \u010derp\u00e1ny. Chcete cestovat, studovat nebo si po\u0159\u00eddit ji\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00e9 bydlen\u00ed? Pak americk\u00e1 hypot\u00e9ka bude tou spr\u00e1vnou volbou. \u00da\u010delov\u00e9 hypot\u00e9ky jsou pon\u011bkud komplikovan\u011bj\u0161\u00ed a jejich striktn\u00ed podm\u00ednky nemus\u00ed vyhovovat ka\u017ed\u00e9mu, oproti tomu v\u0161ak d\u00edky nim m\u016f\u017eete dos\u00e1hnout velmi p\u0159\u00edzniv\u00e9ho \u00faroku. Ten pat\u0159\u00ed mezi nejni\u017e\u0161\u00ed, kter\u00fd v\u016fbec m\u016f\u017eete v \u00fav\u011brov\u00e9m sv\u011bt\u011b z\u00edskat. Podm\u00ednky, kter\u00e9 v\u00e1s p\u0159esv\u011bd\u010d\u00edNebankovn\u00ed spole\u010dnosti jsou zn\u00e1m\u00e9 sv\u00fdmi benevolentn\u00edmi podm\u00ednkami pro ka\u017ed\u00e9ho. Pokud v\u00e1m tedy banka z jak\u00e9hokoliv d\u016fvodu zam\u00edtla \u017e\u00e1dost o \u00fav\u011br, je\u0161t\u011b nemus\u00edte smutnit. S nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed budete m\u00edt v\u011bt\u0161\u00ed \u0161t\u011bst\u00ed pr\u00e1v\u011b u nebankovn\u00ed spole\u010dnosti. Ty toti\u017e mnohdy nenahl\u00ed\u017eej\u00ed do registru dlu\u017en\u00edk\u016f, dlouze nezkoumaj\u00ed bonitu klienta, a pokud spln\u00edte v\u0161echny p\u0159edpoklady a dolo\u017e\u00edte pot\u0159ebn\u00e9 dokumenty, v\u011bt\u0161inou v\u00e1m bude \u00fav\u011br schv\u00e1len.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d pr\u00e1v\u011b nebankovn\u00ed \u00fav\u011br?","item":"https:\/\/www.maruli.cz\/proc-prave-nebankovni-uver\/#breadcrumbitem"}]}]