[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vatera.cz\/co-je-to-100-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.vatera.cz\/co-je-to-100-hypoteka\/","headline":"Co je to 100% hypot\u00e9ka","name":"Co je to 100% hypot\u00e9ka","description":"Podobn\u011b jako mnoho jin\u00fdch v\u011bc\u00ed, i hypot\u00e9ky mohou b\u00fdt slo\u017eit\u00e9. Existuje toti\u017e mnoho r\u016fzn\u00fdch druh\u016f a typ\u016f, z nich\u017e n\u011bkter\u00e9 jsou poskytov\u00e1ny pouze nebankovn\u00edmi subjekty, jin\u00e9 bankami, a zase jin\u00e9 ob\u011bma. Nav\u00edc ka\u017ed\u00fd z nich m\u00e1 jin\u00e9 podm\u00ednky pro schv\u00e1len\u00ed \u017e\u00e1dosti a je tedy vhodn\u00fd pro jinou skupinu lid\u00ed. Nen\u00ed tedy divu, \u017ee m\u016f\u017ee b\u00fdt […]","datePublished":"2021-10-09","dateModified":"2021-10-09","author":{"@type":"Person","@id":"https:\/\/www.vatera.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.vatera.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vatera.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vatera.cz\/wp-content\/uploads\/hypoteka5_10_10_10_10_10.jpg","url":"https:\/\/www.vatera.cz\/wp-content\/uploads\/hypoteka5_10_10_10_10_10.jpg","height":0,"width":0},"url":"https:\/\/www.vatera.cz\/co-je-to-100-hypoteka\/","about":["Finance"],"wordCount":419,"articleBody":"   Podobn\u011b jako mnoho jin\u00fdch v\u011bc\u00ed, i hypot\u00e9ky mohou b\u00fdt slo\u017eit\u00e9. Existuje toti\u017e mnoho r\u016fzn\u00fdch druh\u016f a typ\u016f, z nich\u017e n\u011bkter\u00e9 jsou poskytov\u00e1ny pouze nebankovn\u00edmi subjekty, jin\u00e9 bankami, a zase jin\u00e9 ob\u011bma. Nav\u00edc ka\u017ed\u00fd z nich m\u00e1 jin\u00e9 podm\u00ednky pro schv\u00e1len\u00ed \u017e\u00e1dosti a je tedy vhodn\u00fd pro jinou skupinu lid\u00ed. Nen\u00ed tedy divu, \u017ee m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e9 se v tom v\u0161em vyznat.Jedn\u00edm z t\u011bch m\u00e9n\u011b zn\u00e1m\u00fdch je pak 100% hypot\u00e9ka. Ta toti\u017e nen\u00ed p\u0159\u00edli\u0161 obvykl\u00e1 a nen\u00ed poskytov\u00e1na \u010dasto. P\u0159itom je to pr\u00e1v\u011b tento typ, kter\u00fd by si mnoho lid\u00ed p\u0159\u00e1lo. Pro sv\u00e9 poskytovatele v\u0161ak m\u016f\u017ee b\u00fdt pon\u011bkud nev\u00fdhodn\u00fd.Zde rozd\u00edl spo\u010d\u00edv\u00e1 p\u0159edev\u0161\u00edm v tom, \u017ee p\u016fj\u010den\u00e1 \u010d\u00e1stka pokryje celou kupn\u00ed cenu nemovitosti. To nen\u00ed nijak obvykl\u00e9. Hypot\u00e9ky v\u011bt\u0161inou kryj\u00ed pouze \u010d\u00e1st n\u00e1klad\u016f, by\u0165 v\u011bt\u0161inovou, a zbytek mus\u00ed klient zaplatit s\u00e1m. Je to jeden z prost\u0159edk\u016f, jak se tyto firmy uji\u0161\u0165uj\u00ed, \u017ee \u017eadatel bude m\u00edt dostatek pen\u011bz na spl\u00e1cen\u00ed.Pokud je v\u0161ak t\u00edmto zp\u016fsobem uhrazena pln\u00e1 cena, ocit\u00e1 se spole\u010dnost v mnohem v\u011bt\u0161\u00edm riziku, \u017ee dlu\u017en\u00edk nebude platit. Samoz\u0159ejm\u011b, existuj\u00ed p\u00e1ky, kter\u00e9 je mo\u017en\u00e9 pou\u017e\u00edt, v extr\u00e9mn\u00edch p\u0159\u00edpadech pak i exekuce, av\u0161ak ty zdaleka ne v\u017edy funguj\u00ed.Samoz\u0159ejm\u011b, ani pro klienta nen\u00ed tento zp\u016fsob \u00fapln\u011b v\u00fdhodn\u00fd, a\u010dkoliv to na prvn\u00ed pohled tak nevypad\u00e1. Zde je toti\u017e p\u0159edm\u011btem \u00farok\u016f a poplatk\u016f cel\u00e1 \u010d\u00e1stka, co\u017e znamen\u00e1, \u017ee nakonec dan\u00fd \u010dlov\u011bk zaplat\u00ed v\u00edce, ne\u017e kdyby si vzal oby\u010dejn\u00fd typ.I p\u0159esto je v\u0161ak st\u00e1le \u017e\u00e1dan\u011bj\u0161\u00ed, a nen\u00ed divu. Ceny nemovitost\u00ed rostou tak\u0159ka raketov\u00fdm tempem, a jen m\u00e1lokdo m\u00e1 na to, aby zaplatil alespo\u0148 onu po\u017eadovanou \u010d\u00e1stku. Proto se sna\u017e\u00ed naj\u00edt takovou hypot\u00e9ku, kter\u00e1 pokryje v\u0161echny n\u00e1klady spojen\u00e9 s koup\u00ed.To v\u0161e je sice pochopiteln\u00e9, av\u0161ak spole\u010dnosti jsou z ji\u017e zm\u00edn\u011bn\u00fdch d\u016fvod\u016f pom\u011brn\u011b neochotn\u00e9 tomuto po\u017eadavku vyhov\u011bt, zvl\u00e1\u0161t\u011b za sou\u010dasn\u00e9 situace. Ukazuje se toti\u017e, \u017ee by na tom sp\u00ed\u0161e tratily, nebo\u0165 by v\u00edce lid\u00ed p\u0159estalo spl\u00e1cet. A to rozhodn\u011b nen\u00ed n\u011bco, co by cht\u011bly.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to 100% hypot\u00e9ka","item":"https:\/\/www.vatera.cz\/co-je-to-100-hypoteka\/#breadcrumbitem"}]}]