[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.drbz.cz\/existuje-i-nejaka-hypoteka-bez-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.drbz.cz\/existuje-i-nejaka-hypoteka-bez-prijmu\/","headline":"Existuje i n\u011bjak\u00e1 hypot\u00e9ka bez p\u0159\u00edjmu?","name":"Existuje i n\u011bjak\u00e1 hypot\u00e9ka bez p\u0159\u00edjmu?","description":"M\u00edt vlastn\u00ed d\u016fm \u010di byt je snem asi ka\u017ed\u00e9ho \u010dlov\u011bka. Ne ka\u017ed\u00fd si jej v\u0161ak m\u016f\u017ee dovolit. \u0158e\u0161en\u00edm samoz\u0159ejm\u011b m\u016f\u017ee b\u00fdt hypot\u00e9ka, tedy \u00fa\u010delov\u00e1 p\u016fj\u010dka slou\u017e\u00edc\u00ed ke koupi p\u0159edem dan\u00e9 nemovitosti. Av\u0161ak zvl\u00e1\u0161t\u011b banky maj\u00ed pro jej\u00ed poskytov\u00e1n\u00ed pevn\u00e9 podm\u00ednky. Jednou z nich je dolo\u017een\u00ed p\u0159\u00edjmu a zam\u011bstn\u00e1n\u00ed. Cht\u011bj\u00ed si tak zjistit, zda budete m\u00edt […]","datePublished":"2019-04-29","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.drbz.cz\/author\/#Person","name":"drbz.cz\n","url":"https:\/\/www.drbz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"drbz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/drbz.cz\/wp-content\/uploads\/img_a376588_w3879_t1588074984.jpg","url":"https:\/\/drbz.cz\/wp-content\/uploads\/img_a376588_w3879_t1588074984.jpg","height":"","width":""},"url":"https:\/\/www.drbz.cz\/existuje-i-nejaka-hypoteka-bez-prijmu\/","about":["Neza\u0159azen\u00e9"],"wordCount":426,"articleBody":"           M\u00edt vlastn\u00ed d\u016fm \u010di byt je snem asi ka\u017ed\u00e9ho \u010dlov\u011bka. Ne ka\u017ed\u00fd si jej v\u0161ak m\u016f\u017ee dovolit. \u0158e\u0161en\u00edm samoz\u0159ejm\u011b m\u016f\u017ee b\u00fdt hypot\u00e9ka, tedy \u00fa\u010delov\u00e1 p\u016fj\u010dka slou\u017e\u00edc\u00ed ke koupi p\u0159edem dan\u00e9 nemovitosti. Av\u0161ak zvl\u00e1\u0161t\u011b banky maj\u00ed pro jej\u00ed poskytov\u00e1n\u00ed pevn\u00e9 podm\u00ednky. Jednou z nich je dolo\u017een\u00ed p\u0159\u00edjmu a zam\u011bstn\u00e1n\u00ed. Cht\u011bj\u00ed si tak zjistit, zda budete m\u00edt skute\u010dn\u011b dost pen\u011bz na spl\u00e1cen\u00ed a tak\u00e9 to, zda m\u00e1te stabiln\u00ed zam\u011bstn\u00e1n\u00ed. Pokud jste nap\u0159\u00edklad st\u00e1le ve zku\u0161ebn\u00ed dob\u011b, pak jste pro n\u011b rizikov\u011bj\u0161\u00ed, ne\u017e kdy\u017e v dan\u00e9 firm\u011b pracujete nap\u0159\u00edklad u\u017e deset let. I kdy\u017e je samoz\u0159ejm\u011b mo\u017en\u00e9, \u017ee i tehdy o pr\u00e1ci v r\u00e1mci sni\u017eov\u00e1n\u00ed stav\u016f p\u0159ijdete, p\u0159eci jen je to m\u00e9n\u011b pravd\u011bpodobn\u00e9, ne\u017e kdy\u017e jste teprve nastoupili. Ne v\u0161ichni lid\u00e9 v\u0161ak maj\u00ed dostate\u010dn\u00fd p\u0159\u00edjem pro to, aby jim bylo p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti vyhov\u011bno. Ti pak hledaj\u00ed, zda existuje i n\u011bjak\u00e1 hypot\u00e9ka bez p\u0159\u00edjmu, tedy hypot\u00e9ka, kde p\u0159i vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti nehled\u00ed na to, kolik dan\u00e1 osoba m\u011bs\u00ed\u010dn\u011b pob\u00edr\u00e1. Existuje v\u0161ak n\u011bjak\u00e1 takov\u00e1? Zde je odpov\u011b\u010f ano i ne. Skute\u010dn\u011b existuje typ hypot\u00e9ky, kde si va\u0161i finan\u010dn\u00ed situaci prov\u011b\u0159ovat nebudou. Av\u0161ak st\u00e1le si va\u0161e jm\u00e9no prov\u011b\u0159\u00ed v registru dlu\u017en\u00edk\u016f. Pokud tedy ji\u017e m\u00e1te n\u011bjakou p\u016fj\u010dku \u010di jin\u00fd dosud nesplacen\u00fd dluh, po\u010d\u00edtejte s t\u00edm, \u017ee budete odm\u00edtnuti. D\u011blaj\u00ed to proto, aby co nejv\u00edce zm\u00edrnili riziko, kter\u00e9 poskytov\u00e1n\u00ed tohoto typu produktu p\u0159in\u00e1\u0161\u00ed. Nen\u00ed toti\u017e divu, \u017ee o ni \u017e\u00e1d\u00e1 mnoho lid\u00ed z nejchud\u0161\u00edch vrstev, https:\/\/cs.wiktionary.org\/wiki\/vrstva  a\u010d to nen\u00ed tolik jako u b\u011b\u017en\u00fdch typ\u016f p\u016fj\u010dek. Obvykle cht\u011bj\u00ed bydlen\u00ed pro sv\u00e9 mlad\u00e9 \u010di cht\u011bj\u00ed opustit soci\u00e1ln\u00ed prost\u0159ed\u00ed, ve kter\u00e9m se pr\u00e1v\u011b nach\u00e1z\u00ed. Pokud o ni v\u0161ak chcete \u017e\u00e1dat, je na m\u00edst\u011b velk\u00e1 opatrnost. Je toti\u017e nutn\u00e9 dob\u0159e uv\u00e1\u017eit, zda skute\u010dn\u011b m\u00e1te dostatek pen\u011bz k tomu, abyste mohli dlouhodob\u011b \u0159\u00e1dn\u011b spl\u00e1cet. M\u00e1lokdo se na celou v\u011bc toti\u017e d\u00edv\u00e1 v dlouhodob\u00e9m horizontu, a pak nast\u00e1vaj\u00ed probl\u00e9my. Jen tak budete v\u0161ichni spokojeni.                                                                                                                                                                                                                                                                                                                                                                                          3.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Existuje i n\u011bjak\u00e1 hypot\u00e9ka bez p\u0159\u00edjmu?","item":"https:\/\/www.drbz.cz\/existuje-i-nejaka-hypoteka-bez-prijmu\/#breadcrumbitem"}]}]