[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eccr.cz\/je-vyhodnejsi-bankovni-ci-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.eccr.cz\/je-vyhodnejsi-bankovni-ci-nebankovni-hypoteka\/","headline":"Je v\u00fdhodn\u011bj\u0161\u00ed bankovn\u00ed, \u010di nebankovn\u00ed hypot\u00e9ka?","name":"Je v\u00fdhodn\u011bj\u0161\u00ed bankovn\u00ed, \u010di nebankovn\u00ed hypot\u00e9ka?","description":"Mnoho z t\u011bch, kte\u0159\u00ed se rozhodli za\u017e\u00e1dat o hypot\u00e9ku, se jen t\u011b\u017eko rozhoduje, zda o ni za\u017e\u00e1dat v bance, nebo se rad\u011bji obr\u00e1tit na nebankovn\u00ed spole\u010dnost. Jak\u00e1 jsou pro a proti? Dostupnost Z\u00edskat hypot\u00e9ku v bance je posledn\u00ed dobou \u010d\u00edm d\u00e1l t\u011b\u017e\u0161\u00ed, jeliko\u017e banky kladou na sv\u00e9 klienty \u010d\u00edm d\u00e1l n\u00e1ro\u010dn\u011bj\u0161\u00ed po\u017eadavky. Ne ka\u017ed\u00fd, kdo ... <a title=\"Je v\u00fdhodn\u011bj\u0161\u00ed bankovn\u00ed, \u010di nebankovn\u00ed hypot\u00e9ka?\" class=\"read-more\" href=\"https:\/\/www.eccr.cz\/je-vyhodnejsi-bankovni-ci-nebankovni-hypoteka\/\">Read more<span class=\"screen-reader-text\">Je v\u00fdhodn\u011bj\u0161\u00ed bankovn\u00ed, \u010di nebankovn\u00ed hypot\u00e9ka?<\/span><\/a>","datePublished":"2022-06-18","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.eccr.cz\/author\/#Person","name":"","url":"https:\/\/www.eccr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eccr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.eccr.cz\/wp-content\/uploads\/coins-1015125_640_5.jpg","url":"https:\/\/www.eccr.cz\/wp-content\/uploads\/coins-1015125_640_5.jpg","height":0,"width":0},"url":"https:\/\/www.eccr.cz\/je-vyhodnejsi-bankovni-ci-nebankovni-hypoteka\/","about":["Finance"],"wordCount":451,"articleBody":"        Mnoho z t\u011bch, kte\u0159\u00ed se rozhodli za\u017e\u00e1dat o hypot\u00e9ku, se jen t\u011b\u017eko rozhoduje, zda o ni za\u017e\u00e1dat v bance, nebo se rad\u011bji obr\u00e1tit na nebankovn\u00ed spole\u010dnost. Jak\u00e1 jsou pro a proti?DostupnostZ\u00edskat hypot\u00e9ku v bance je posledn\u00ed dobou \u010d\u00edm d\u00e1l t\u011b\u017e\u0161\u00ed, jeliko\u017e banky kladou na sv\u00e9 klienty \u010d\u00edm d\u00e1l n\u00e1ro\u010dn\u011bj\u0161\u00ed po\u017eadavky. Ne ka\u017ed\u00fd, kdo pracuje, a m\u00e1 pravideln\u00e9 p\u0159\u00edjmy, ze kter\u00fdch mu je\u0161t\u011b n\u011bco zb\u00fdv\u00e1, dos\u00e1hne na hypot\u00e9ku v bance. Pr\u016fm\u011brn\u00e9 p\u0159\u00edjmy na to zkr\u00e1tka v\u016fbec nesta\u010d\u00ed. Nebankovn\u00edm spole\u010dnostem sta\u010d\u00ed takov\u00e9 p\u0159\u00edjmy, kter\u00e9 dokazuj\u00ed https:\/\/www.unicreditbank.cz\/cs\/o-bance.html  \u017ee m\u00e1te z \u010deho spl\u00e1cet. Nejsou toti\u017e v\u00e1z\u00e1ny spoustou mnohdy a\u017e nesmysln\u00fdch p\u0159edpis\u016f, a mohou tak l\u00e9pe vyj\u00edt klient\u016fm vst\u0159\u00edc.V\u00fd\u0161e \u00farokuD\u0159\u00edve platilo, \u017ee v\u00fd\u0161e \u00faroku u bankovn\u00ed hypot\u00e9ky byla ni\u017e\u0161\u00ed, ne\u017e u t\u00e9 nebankovn\u00ed. S rostouc\u00ed inflac\u00ed, a razantn\u00edm zv\u00fd\u0161en\u00edm \u00farok\u016f v bank\u00e1ch se v\u0161ak stalo, \u017ee jsou \u00faroky nebankovn\u00ed hypot\u00e9ky srovnateln\u00e9, n\u011bkdy dokonce i ni\u017e\u0161\u00ed.\u00dasporyPro z\u00edsk\u00e1n\u00ed hypot\u00e9ky je nutn\u00e9 m\u00edt alespo\u0148 \u010d\u00e1st po\u017eadovan\u00e9 \u010d\u00e1stky na\u0161et\u0159eno. V p\u0159\u00edpad\u011b bankovn\u00ed hypot\u00e9ky to b\u00fdv\u00e1 obvykle 20%, u nebankovn\u00ed pak 30%.Rychlost vy\u0159\u00edzen\u00edVy\u0159\u00edzen\u00ed hypot\u00e9ky v bance trv\u00e1 n\u011bkdy a\u017e \u0161\u00edlen\u011b dlouho, za co\u017e m\u016f\u017ee samoz\u0159ejm\u011b byrokracie. Aby banka mohla poskytnout hypot\u00e9ku, mus\u00ed dolo\u017eit spousty \u00fadaj\u016f o \u017eadateli, a neust\u00e1le se na v\u00e1s bude obracet s nov\u00fdmi dokumenty, kter\u00e9 je pot\u0159eba potvrdit. V d\u016fsledku a\u017e (tedy jestli) hypot\u00e9ku z\u00edsk\u00e1te, je\u0161t\u011b si po\u010dk\u00e1te, ne\u017e se v\u00e1m pen\u00edze objev\u00ed na \u00fa\u010dtu. Co se v\u0161ak t\u00fd\u010de hypot\u00e9ky v nebankovn\u00ed spole\u010dnosti, je vy\u0159izov\u00e1n\u00ed mnohem snaz\u0161\u00ed, a po podpisu smlouvy m\u016f\u017eete m\u00edt pen\u00edze na \u00fa\u010dtu ji\u017e b\u011bhem n\u011bkolika hodin. BANKANEBANKOVN\u00cd SPOLE\u010cNOSTDostupnostn\u00e1ro\u010dn\u00e1snadn\u00e1V\u00fd\u0161e \u00farokuod 7% p.a.od 4% p.a.\u00daspory20%30%Rychlost vy\u0159\u00edzen\u00edm\u011bs\u00edcednyObecn\u011b lze tedy \u0159\u00edct, \u017ee z\u00edsk\u00e1n\u00ed hypot\u00e9ky v nebankovn\u00ed spole\u010dnosti je snaz\u0161\u00ed, rychlej\u0161\u00ed, a v\u00fdhodn\u011bj\u0161\u00ed. V\u011bt\u0161ina lid\u00ed v\u0161ak nem\u00e1 k nebankovn\u00edm spole\u010dnostem d\u016fv\u011bru, jeliko\u017e se rad\u011bji dr\u017e\u00ed star\u00fdch zajet\u00fdch kolej\u00ed, a nezn\u00e1m\u00e9ho se zkr\u00e1tka boj\u00ed. Ti kdo v\u0161ak ji\u017e n\u011bkdy vyu\u017eili slu\u017eeb nebankovn\u00ed spole\u010dnosti, se mnohdy r\u00e1di vracej\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je v\u00fdhodn\u011bj\u0161\u00ed bankovn\u00ed, \u010di nebankovn\u00ed hypot\u00e9ka?","item":"https:\/\/www.eccr.cz\/je-vyhodnejsi-bankovni-ci-nebankovni-hypoteka\/#breadcrumbitem"}]}]