[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.15zzb.cz\/za-pujcku-se-muzete-zarucit-i-druzstevnim-bytem\/#Article","mainEntityOfPage":"https:\/\/www.15zzb.cz\/za-pujcku-se-muzete-zarucit-i-druzstevnim-bytem\/","headline":"Za p\u016fj\u010dku se m\u016f\u017eete zaru\u010dit i dru\u017estevn\u00edm bytem","name":"Za p\u016fj\u010dku se m\u016f\u017eete zaru\u010dit i dru\u017estevn\u00edm bytem","description":"Ka\u017ed\u00fd, komu u\u010darovala mo\u017enost vy\u0159e\u0161it svou finan\u010dn\u00ed t\u00edse\u0148 pomoc\u00ed nebankovn\u00ed hypot\u00e9ky, by m\u011bl po\u010d\u00edtat s t\u00edm, \u017ee se za takov\u00fd typ p\u016fj\u010dky bude muset zaru\u010dit svou nemovitost\u00ed. Tedy stejn\u011b tak, jak to b\u00fdv\u00e1 b\u011b\u017en\u011b vy\u017eadov\u00e1no u americk\u00e9 hypot\u00e9ky. A to je rozd\u00edl oproti b\u011b\u017en\u00e9 bankovn\u00ed p\u016fj\u010dce, kde si vysta\u010d\u00edte jen s \u00faroky a finan\u010dn\u00ed spolu\u00fa\u010dast\u00ed. […]","datePublished":"2018-11-17","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.15zzb.cz\/author\/#Person","name":"","url":"https:\/\/www.15zzb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"15zzb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.15zzb.cz\/wp-content\/uploads\/img_a334108_w1747_t1547718843.jpg","url":"https:\/\/www.15zzb.cz\/wp-content\/uploads\/img_a334108_w1747_t1547718843.jpg","height":0,"width":0},"url":"https:\/\/www.15zzb.cz\/za-pujcku-se-muzete-zarucit-i-druzstevnim-bytem\/","about":["Ekonomika"],"wordCount":428,"articleBody":"        Ka\u017ed\u00fd, komu u\u010darovala mo\u017enost vy\u0159e\u0161it svou finan\u010dn\u00ed t\u00edse\u0148 pomoc\u00ed nebankovn\u00ed hypot\u00e9ky, by m\u011bl po\u010d\u00edtat s t\u00edm, \u017ee se za takov\u00fd typ p\u016fj\u010dky bude muset zaru\u010dit svou nemovitost\u00ed. Tedy stejn\u011b tak, jak to b\u00fdv\u00e1 b\u011b\u017en\u011b vy\u017eadov\u00e1no u americk\u00e9 hypot\u00e9ky. A to je rozd\u00edl oproti b\u011b\u017en\u00e9 bankovn\u00ed p\u016fj\u010dce, kde si vysta\u010d\u00edte jen s \u00faroky a finan\u010dn\u00ed spolu\u00fa\u010dast\u00ed. Nicm\u00e9n\u011b i tak pro v\u00e1s m\u016f\u017ee b\u00fdt pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ka t\u00edm prav\u00fdm \u0159e\u0161en\u00edm, a to p\u0159edev\u0161\u00edm proto, \u017ee se nebankovn\u00ed spole\u010dnosti vyzna\u010duj\u00ed vst\u0159\u00edcnost\u00ed a ochotou sjednat individu\u00e1ln\u00ed \u0159e\u0161en\u00ed na m\u00edru \u017eivotn\u00edm pot\u0159eb\u00e1m ka\u017ed\u00e9ho sv\u00e9ho klienta. A takov\u00fd p\u0159\u00edstup v \u017e\u00e1dn\u00e9 bance nenajdete. Kter\u00e1 nemovitost je ta prav\u00e1? V\u011bt\u0161inou si \u010dlov\u011bk nem\u016f\u017ee p\u0159\u00edli\u0161 vyb\u00edrat, nebo\u0165 jen m\u00e1lokdo m\u00e1 k dispozici v\u00edce ne\u017e jen vlastn\u00ed byt \u010di d\u016fm, nicm\u00e9n\u011b pokud jde o podnikatele, mohou se za svou nebankovn\u00ed p\u016fj\u010dku zaru\u010dit klidn\u011b i sv\u00fdm v\u00fdrobn\u00edm are\u00e1lem anebo jin\u00fdmi podnikatelsk\u00fdmi prostory, m\u016f\u017ee to b\u00fdt i pozemek a \u017e\u00e1dn\u00fd probl\u00e9m nen\u00ed ani hypot\u00e9ka na dru\u017estevn\u00ed byt. Pokud tedy m\u00e1te na v\u00fdb\u011br, m\u011bli byste se sna\u017eit zvolit v\u017edy takovou nemovitost, kter\u00e1 svou hodnotou odpov\u00edd\u00e1 v\u00fd\u0161i \u010d\u00e1stky, kterou si chcete p\u016fj\u010dit. Tak\u017ee jestli\u017ee se jedn\u00e1 o pom\u011brn\u011b skromnou \u010d\u00e1stku ve v\u00fd\u0161i n\u011bkolika des\u00edtek tis\u00edc, tak m\u016f\u017ee b\u00fdt dobrou z\u00e1rukou za takovou p\u016fj\u010dku i gar\u00e1\u017e anebo zahradn\u00ed chatka.Obecn\u011b plat\u00ed, \u017ee m\u016f\u017eete z\u00edskat pen\u00edze a\u017e do v\u00fd\u0161e sedmdes\u00e1ti procent aktu\u00e1ln\u00ed odhadn\u00ed hodnoty zvolen\u00e9 nemovitosti, co\u017e m\u016f\u017ee v n\u011bkter\u00fdch p\u0159\u00edpadech d\u011blat po\u0159\u00e1dn\u00fd bal\u00edk pen\u011bz. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b se nemus\u00edte d\u011bsit toho, \u017ee byste museli n\u011bco takov\u00e9ho slo\u017eit\u011b zji\u0161\u0165ovat anebo za\u0159izovat \u2013 nebankovn\u00ed spole\u010dnost odhad ceny nemovitosti i v\u0161echno ostatn\u00ed r\u00e1da zajist\u00ed za v\u00e1s, ani\u017e byste museli p\u0159edem cokoli platit. Ba naopak, sv\u00e9 z\u00e1vazky budete spl\u00e1cet nejd\u0159\u00edve a\u017e po uzav\u0159en\u00ed a podpisu smlouvy, tak\u017ee se a\u017e do posledn\u00ed chv\u00edle m\u016f\u017eete rozhodnout, zda se v\u0161\u00edm souhlas\u00edte \u010di nikoli.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Za p\u016fj\u010dku se m\u016f\u017eete zaru\u010dit i dru\u017estevn\u00edm bytem","item":"https:\/\/www.15zzb.cz\/za-pujcku-se-muzete-zarucit-i-druzstevnim-bytem\/#breadcrumbitem"}]}]