[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rabr.cz\/co-je-nebankovni-hypoteka-bez-registru\/#Article","mainEntityOfPage":"https:\/\/www.rabr.cz\/co-je-nebankovni-hypoteka-bez-registru\/","headline":"Co je nebankovn\u00ed hypot\u00e9ka bez registru","name":"Co je nebankovn\u00ed hypot\u00e9ka bez registru","description":"Hypot\u00e9ky, a vlastn\u011b ve\u0161ker\u00e9 \u00fav\u011bry, m\u016f\u017eeme zjednodu\u0161en\u011b rozd\u011blit na ty, kter\u00e9 vy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f, a na ty bez registru. Co si pod t\u00edm m\u00e1me ale…","datePublished":"2019-09-20","dateModified":"2019-09-20","author":{"@type":"Person","@id":"https:\/\/www.rabr.cz\/author\/#Person","name":"","url":"https:\/\/www.rabr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rabr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rabr.cz\/wp-content\/uploads\/img_a365867_w2001_t1578487939.jpg","url":"https:\/\/www.rabr.cz\/wp-content\/uploads\/img_a365867_w2001_t1578487939.jpg","height":0,"width":0},"url":"https:\/\/www.rabr.cz\/co-je-nebankovni-hypoteka-bez-registru\/","wordCount":484,"articleBody":"       Hypot\u00e9ky, a vlastn\u011b ve\u0161ker\u00e9 \u00fav\u011bry, m\u016f\u017eeme zjednodu\u0161en\u011b rozd\u011blit na ty, kter\u00e9 vy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f, a na ty bez registru. Co si pod t\u00edm m\u00e1me ale p\u0159edstavit? O jak\u00e9m registru je konkr\u00e9tn\u011b \u0159e\u010d? \u00dav\u011bry, kter\u00e9 vy\u017eaduj\u00ed dolo\u017een\u00ed p\u0159\u00edjm\u016f a p\u0159\u00edpadn\u011b i ru\u010ditele, jsou obvykle bankovn\u00ed. To znamen\u00e1, \u017ee jsou poskytov\u00e1ny n\u011bkterou z bank, p\u0159i\u010dem\u017e nemus\u00edte b\u00fdt p\u0159ed uzav\u0159en\u00edm p\u016fj\u010dky jej\u00edm klientem. P\u0159i sjedn\u00e1v\u00e1n\u00ed po v\u00e1s budou cht\u00edt doklad o v\u00fd\u0161i p\u0159\u00edjmu a p\u0159\u00edpadn\u011b i n\u011bkoho, kdo za v\u00e1s bude ru\u010dit. D\u011blaj\u00ed to proto, aby zjistili, zda m\u00e1te schopnost \u00fav\u011br spl\u00e1cet. Na druhou stranu zna\u010dn\u00e1 \u010d\u00e1st nebankovn\u00edch firem specializuj\u00edc\u00edch se na p\u016fj\u010dov\u00e1n\u00ed pen\u011bz nic takov\u00e9ho nevy\u017eaduje. Jednou z jejich marketingov\u00fdch strategi\u00ed je, \u017ee p\u016fj\u010d\u00ed prakticky opravdu ka\u017ed\u00e9mu. Dob\u0159e, ale co je to ten registr? Jedn\u00e1 se o registr dlu\u017en\u00edk\u016f SOLUS. Zde si v\u00e1s banky p\u0159ed schv\u00e1len\u00edm \u00fav\u011bru prov\u011b\u0159\u00ed. Pokud tam m\u00e1te z\u00e1pis, bohu\u017eel m\u00e1te obvykle sm\u016flu a p\u016fj\u010dku nedostanete. Jak se do SOLUSU dostanete? Jednodu\u0161e, sta\u010d\u00ed m\u00edt n\u011bjak\u00fd dluh (nap\u0159\u00edklad p\u016fj\u010dku) a b\u00fdt pozadu by\u0165 jen s jednou spl\u00e1tkou. Hor\u0161\u00ed je, \u017ee pokud u\u017e se tam \u010dlov\u011bk dostane, vymazat jeho z\u00e1znam nen\u00ed tak jednoduch\u00e9, i kdy\u017e jste u\u017e t\u0159eba deset let \u201e\u010dist\u00ed\u201c. Je toti\u017e t\u0159eba, aby dlu\u017en\u00edk s\u00e1m po\u017e\u00e1dal o v\u00fdmaz z registru, a pot\u00e9 mus\u00ed po\u010dkat na jeho schv\u00e1len\u00ed. Pokud v\u0161ak chcete koupit d\u016fm \u010di byt, ale nem\u00e1te dostatek financ\u00ed a neschv\u00e1l\u00ed v\u00e1m hypot\u00e9ku v bance, je nebankovn\u00ed hypot\u00e9ka bez registru jednou z mo\u017enost\u00ed. Zde se nebudou pt\u00e1t, kolik m\u011bs\u00ed\u010dn\u011b vyd\u011bl\u00e1v\u00e1te, ani zda n\u00e1hodou nem\u00e1te ji\u017e n\u011bkde p\u016fj\u010dku. Vysn\u011bn\u00fd d\u016fm \u010di byt si tak m\u016f\u017eete koupit prakticky okam\u017eit\u011b. Na druhou stranu, pokud m\u00e1te opravdu mal\u00fd p\u0159\u00edjem, pak je na m\u00edst\u011b zv\u00e1\u017eit, zda jste schopni m\u011bs\u00ed\u010dn\u011b sjednanou \u010d\u00e1stku spl\u00e1cet. P\u016fj\u010dit si je celkem jednoduch\u00e9, m\u00e1lokdo si ale uv\u011bdom\u00ed, \u017ee bude muset dal\u0161\u00edch n\u011bkolik let d\u00e1vat m\u011bs\u00ed\u010dn\u011b ur\u010ditou \u010d\u00e1stku pry\u010d. Proto zva\u017ete, zda nestoj\u00ed za to j\u00edt na n\u011bkolik let nap\u0159\u00edklad do podn\u00e1jmu a na vlastn\u00ed bydlen\u00ed si na\u0161et\u0159it vlastn\u00edmi silami, sp\u00ed\u0161 ne\u017e si p\u016fj\u010dovat. Rozhodn\u011b je to rozumn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed, ne\u017e se zadlu\u017eit na dal\u0161\u00edch t\u0159eba 20 let.                                                                                                                                                                                                                                                                                                                                                                                                  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