[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gamagv.cz\/hypoteka-aneb-penize-pro-bezne-lidi-i-podnikatele\/#Article","mainEntityOfPage":"https:\/\/www.gamagv.cz\/hypoteka-aneb-penize-pro-bezne-lidi-i-podnikatele\/","headline":"Hypot\u00e9ka aneb pen\u00edze pro b\u011b\u017en\u00e9 lidi i podnikatele","name":"Hypot\u00e9ka aneb pen\u00edze pro b\u011b\u017en\u00e9 lidi i podnikatele","description":"M\u00edt d\u016fv\u011bru k p\u016fj\u010dk\u00e1m z\u0159ejm\u011b nelze a to ani v p\u0159\u00edpad\u011b, \u017ee si p\u016fj\u010d\u00edte men\u0161\u00ed \u010d\u00e1stku, kterou spl\u00e1c\u00edte a spl\u00e1c\u00edte, a\u017e ji nakonec splat\u00edte a v\u0161echno je naprosto v po\u0159\u00e1dku. V\u017edy se \u010dlov\u011bk c\u00edt\u00ed tak trochu, nebo i hodn\u011b, zav\u00e1z\u00e1n. M\u00edt dluh se v n\u011bkter\u00fdch p\u0159\u00edpadech tak\u00e9 nevypl\u00e1c\u00ed. D\u016fkazem jsou lid\u00e9, kte\u0159\u00ed se dostali a\u017e...","datePublished":"2021-11-17","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.gamagv.cz\/author\/#Person","name":"","url":"https:\/\/www.gamagv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/739bdad9092f7204ebf16dfadfb581e3e92e1ade2f5cc299a7779b7760a7d2fc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/739bdad9092f7204ebf16dfadfb581e3e92e1ade2f5cc299a7779b7760a7d2fc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gamagv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gamagv.cz\/wp-content\/uploads\/podnikatel_2.jpg","url":"https:\/\/www.gamagv.cz\/wp-content\/uploads\/podnikatel_2.jpg","height":0,"width":0},"url":"https:\/\/www.gamagv.cz\/hypoteka-aneb-penize-pro-bezne-lidi-i-podnikatele\/","about":["Pen\u00edze"],"wordCount":410,"articleBody":"   M\u00edt d\u016fv\u011bru k p\u016fj\u010dk\u00e1m z\u0159ejm\u011b nelze a to ani v p\u0159\u00edpad\u011b, \u017ee si p\u016fj\u010d\u00edte men\u0161\u00ed \u010d\u00e1stku, kterou spl\u00e1c\u00edte a spl\u00e1c\u00edte, a\u017e ji nakonec splat\u00edte a v\u0161echno je naprosto v po\u0159\u00e1dku. V\u017edy se \u010dlov\u011bk c\u00edt\u00ed tak trochu, nebo i hodn\u011b, zav\u00e1z\u00e1n. M\u00edt dluh se v n\u011bkter\u00fdch p\u0159\u00edpadech tak\u00e9 nevypl\u00e1c\u00ed. D\u016fkazem jsou lid\u00e9, kte\u0159\u00ed se dostali a\u017e do exekuc\u00ed nebo dluhov\u00fdch past\u00ed, ale nic se nej\u00ed tak hork\u00e9, jak se to uva\u0159\u00ed, tak\u017ee se poj\u010fme spole\u010dn\u011b pod\u00edvat na podm\u00ednky n\u011bkter\u00fdch \u00fav\u011br\u016f.Za\u010d\u00edt m\u016f\u017eeme s t\u00edm pro b\u011b\u017en\u00e9 lidi. Pod n\u00e1zvem nebankovn\u00ed hypot\u00e9ka najdete produkt, kter\u00fd je v\u00e1z\u00e1n nemovitost\u00ed. Za tu z\u00edsk\u00e1te a\u017e 70% odhadn\u00ed ceny. Pen\u00edze n\u00e1sledn\u011b m\u016f\u017eete vyu\u017e\u00edt jak\u00fdmkoliv zp\u016fsobem, ani\u017e byste museli dokl\u00e1dat faktury \u010di n\u011bco podobn\u00e9ho. Mo\u017en\u00e1 se pt\u00e1te pro\u010d jenom 70%? Proto\u017ee u\u017e neexistuje 100% hypot\u00e9ka Hypoteka-bez-registru.Dle novely z\u00e1kona z d\u0159\u00edv\u011bj\u0161\u00edch let v\u00e1m u\u017e nikdo nem\u016f\u017ee umo\u017enit \u010derpat sto procent z hodnoty nemovitosti. Tak vysok\u00e1 procenta by v\u00e1m v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b neposkytla ani banka. A to sam\u00e9 plat\u00ed i v p\u0159\u00edpad\u011b podnikatel\u016f.Ani podnikatelsk\u00e9 \u00fav\u011bry, kter\u00e9 jsou zn\u00e1m\u00e9 pod n\u00e1zvy hypot\u00e9ka bez registru nebo bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f a toleruj\u00ed nap\u0159\u00edklad z\u00e1znamy v registrech nebo ni\u017e\u0161\u00ed p\u0159\u00edjmy podnikatel\u016f \u010di n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed firem na konci roku, by v\u00e1m nemohly poskytnout tak vysok\u00e1 procenta. Op\u011bt by se jednalo pouze o n\u011bjakou \u010d\u00e1st. Ov\u0161em za podobn\u00fdch podm\u00ednek, to znamen\u00e1, \u017ee pen\u00edze byste v r\u00e1mci firmy mohli \u010derpat jak\u00fdmkoliv zp\u016fsobem, tak\u017ee zaplatit dluhy, exekuce, ale nap\u0159\u00edklad i po\u0159\u00eddit majetek, splatit nedoplatky na \u00fa\u0159adech, OSSZ, finan\u010dn\u00edm \u00fa\u0159adu a podobn\u011b.V minulosti to bylo trochu jinak. Lidem se mohly poskytnout hodnotn\u00e9 \u00fav\u011bry a vysok\u00e1 procenta a\u017e do \u010d\u00e1stky pln\u00fdch procent. To se ale zm\u011bnilo, samoz\u0159ejm\u011b k tomu p\u0159isp\u011bly mnoh\u00e1 vl\u00e1dn\u00ed na\u0159\u00edzen\u00ed a regulace syst\u00e9mu \u010cNB bohu\u017eel zru\u0161ila toto umo\u017en\u011bn\u00ed, poskytnou lidem pln\u00e1 procenta. Od roku 216 se tedy nic podobn\u00e9ho neposkytuje.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka aneb pen\u00edze pro b\u011b\u017en\u00e9 lidi i podnikatele","item":"https:\/\/www.gamagv.cz\/hypoteka-aneb-penize-pro-bezne-lidi-i-podnikatele\/#breadcrumbitem"}]}]