[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lulalu.cz\/velka-suma-penez\/#Article","mainEntityOfPage":"https:\/\/www.lulalu.cz\/velka-suma-penez\/","headline":"Velk\u00e1 suma pen\u011bz","name":"Velk\u00e1 suma pen\u011bz","description":"M\u016f\u017ee se st\u00e1t, \u017ee si chce \u010dlov\u011bk po\u0159\u00eddit vlastn\u00ed bydlen\u00ed. Zal\u00edbila se mu celoro\u010dn\u011b ob\u00fdvateln\u00e1 chata, nebo t\u0159eba rodinn\u00fd domek. A ten \u010dlov\u011bk by byl r\u00e1d, kdyby mu to pat\u0159ilo, proto\u017ee by mohl ut\u00e9ci z panel\u00e1ku, kde to nestoj\u00ed za nic. Jen\u017ee ono to m\u00e1 h\u00e1\u010dek. Tyto nemovitosti nejsou zadarmo. N\u011bco stoj\u00ed a nen\u00ed to […]","datePublished":"2023-12-26","dateModified":"2024-01-29","author":{"@type":"Person","@id":"https:\/\/www.lulalu.cz\/author\/#Person","name":"","url":"https:\/\/www.lulalu.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b70ca3e57a61efa655568ea1bab21ec867ae74beaf8b182b9ca53fe6fcb8cee7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lulalu.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lulalu.cz\/wp-content\/uploads\/cash-1169650_640_5.jpg","url":"https:\/\/www.lulalu.cz\/wp-content\/uploads\/cash-1169650_640_5.jpg","height":0,"width":0},"url":"https:\/\/www.lulalu.cz\/velka-suma-penez\/","about":["Finance"],"wordCount":425,"articleBody":"      M\u016f\u017ee se st\u00e1t, \u017ee si chce \u010dlov\u011bk po\u0159\u00eddit vlastn\u00ed bydlen\u00ed. Zal\u00edbila se mu celoro\u010dn\u011b ob\u00fdvateln\u00e1 chata, nebo t\u0159eba rodinn\u00fd domek. A ten \u010dlov\u011bk by byl r\u00e1d, kdyby mu to pat\u0159ilo, proto\u017ee by mohl ut\u00e9ci z panel\u00e1ku, kde to nestoj\u00ed za nic. Jen\u017ee ono to m\u00e1 h\u00e1\u010dek. Tyto nemovitosti nejsou zadarmo. N\u011bco stoj\u00ed a nen\u00ed to m\u00e1lo. Poctivou prac\u00ed si na to sice vyd\u011blat m\u016f\u017eete, ale v d\u016fchodu na invalidn\u00edm voz\u00edku se st\u011bhovat nechce skoro nikdo. Proto jsou zde bankovn\u00ed domy, kde by v\u00e1m na n\u011bco takov\u00e9ho mohli p\u016fj\u010dit n\u011bjakou tu \u0161estku. Nep\u016fj\u010d\u00ed v\u00e1m celou \u010d\u00e1stku, n\u011bco u\u017e mus\u00edte m\u00edt naspo\u0159eno. A ne m\u00e1lo. P\u016fj\u010dka tohoto druhu, tedy hypot\u00e9ka, jak se to spr\u00e1vn\u011b naz\u00fdv\u00e1, tu nen\u00ed pro chud\u00e9 a oby\u010dejn\u00e9 lidi. Nu\u017ee, pokud tedy m\u00e1te z\u00e1klad, v\u011bt\u0161inou deset procent z odhadn\u00ed ceny nemovitosti, m\u016f\u017eete se o hypot\u00e9ku uch\u00e1zet. Zda usp\u011bjete, to je ve hv\u011bzd\u00e1ch a nikdo v\u00e1m to v ani jedn\u00e9 bance dop\u0159edu nezaru\u010d\u00ed. Nejprve si zaplat\u00edte poplatek a u\u017e se to veze a u to jede. Pomali\u010dku pomalu, nesp\u011bch\u00e1 se tady. Tady se ov\u011b\u0159uje p\u0159\u00edjem a nahl\u00ed\u017e\u00ed do registr\u016f Pokud tam m\u00e1te \u0161tr\u00e1fek, budete s mil\u00fdm \u00fasm\u011bvem vykopnuti na chodn\u00edk. A m\u00e1te to. Spousta lid\u00ed to vzd\u00e1, ale to je chyba. Je\u0161t\u011b po\u0159\u00e1d je zde americk\u00e1 nebankovn\u00ed hypot\u00e9ka, kter\u00e1\u017eto je ve v\u00fdsledku tot\u00e9\u017e, co hypot\u00e9ka z banky, ale postup je zde pon\u011bkud jin\u00fd. Tak je jasn\u00e9, \u017ee n\u011bjak\u00e9 doklady p\u0159in\u00e9st mus\u00edte, ale nen\u00ed t\u0159eba sh\u00e1n\u011bt potvrzen\u00ed o v\u00fd\u0161i p\u0159\u00edjmu. Tak\u00e9 ony slavn\u00e9 registry se zde tak n\u011bjak neberou v potaz. Jak je to mo\u017en\u00e9? Jako ka\u017ed\u00fd, kdo poskytuje p\u016fj\u010dky mus\u00ed m\u00edt i tato spole\u010dnost svolen\u00ed n\u00e1rodn\u00ed banky a ta p\u0159ikazuje registry zkoumat. Je to obsa\u017eeno v klauzuli pro\u0161et\u0159en\u00ed bonity klienta. Jen\u017ee u\u017e nikdo neur\u010dil, kter\u00fd registr se to m\u00e1 zkoumat, tak\u017ee tady se to ofici\u00e1ln\u011b ud\u011bl\u00e1 a t\u00edm se vlk na\u017eral, ale koza z\u016fstala cel\u00e1. Prost\u011b a jednodu\u0161e, m\u00e1te-li tam drobn\u00fd probl\u00e9m, nebere se to v potaz.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Velk\u00e1 suma pen\u011bz","item":"https:\/\/www.lulalu.cz\/velka-suma-penez\/#breadcrumbitem"}]}]