[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.flexit.cz\/co-kdyz-mate-zaznam\/#Article","mainEntityOfPage":"https:\/\/www.flexit.cz\/co-kdyz-mate-zaznam\/","headline":"Co kdy\u017e m\u00e1te z\u00e1znam?","name":"Co kdy\u017e m\u00e1te z\u00e1znam?","description":"Hypot\u00e9ka je specifick\u00fd druh \u00fav\u011bru, pomoc\u00ed kter\u00e9ho se financuje bydlen\u00ed. Poskytuj\u00ed je zejm\u00e9na banky, ale setk\u00e1te se s nimi i u nebankovn\u00ed instituci. Banky pom\u011brn\u011b zp\u0159\u00edsnily po\u017eadavky, kter\u00e9 je pot\u0159eba splnit, aby banka hypot\u00e9ku schv\u00e1lila. Je d\u016fle\u017eit\u00e9 abyste p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku nem\u011bli v ned\u00e1vn\u00e9 dob\u011b \u017e\u00e1dn\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f. Banky \u017e\u00e1dosti o […]","datePublished":"2024-12-10","dateModified":"2024-12-10","author":{"@type":"Person","@id":"https:\/\/www.flexit.cz\/author\/#Person","name":"flexit.cz","url":"https:\/\/www.flexit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"flexit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.flexit.cz\/wp-content\/uploads\/money-gd329a8e25_640_10_10_10_10_10_10_10_10_10_10_10_10_10_10_4.jpg","url":"https:\/\/www.flexit.cz\/wp-content\/uploads\/money-gd329a8e25_640_10_10_10_10_10_10_10_10_10_10_10_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.flexit.cz\/co-kdyz-mate-zaznam\/","about":["Ekonomika"],"wordCount":399,"articleBody":"      Hypot\u00e9ka je specifick\u00fd druh \u00fav\u011bru, pomoc\u00ed kter\u00e9ho se financuje bydlen\u00ed. Poskytuj\u00ed je zejm\u00e9na banky, ale setk\u00e1te se s nimi i u nebankovn\u00ed instituci. Banky pom\u011brn\u011b zp\u0159\u00edsnily po\u017eadavky, kter\u00e9 je pot\u0159eba splnit, aby banka hypot\u00e9ku schv\u00e1lila. Je d\u016fle\u017eit\u00e9 abyste p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku nem\u011bli v ned\u00e1vn\u00e9 dob\u011b \u017e\u00e1dn\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f. Banky \u017e\u00e1dosti o hypot\u00e9ky lidem, kte\u0159\u00ed jsou po insolvenci nebo v exekuci, automaticky zam\u00edtaj\u00ed. Boj\u00ed se toti\u017e toho, \u017ee by takov\u00fd klient hypot\u00e9ku nespl\u00e1cel, a banka by potom m\u011bla probl\u00e9my s vym\u00e1h\u00e1n\u00edm sv\u00e9 pohled\u00e1vky.Kde ji dostat?Jsou samoz\u0159ejm\u011b situace, kdy\u017e se \u010dlov\u011bk dostane do dluh\u016f vinou n\u011bkoho jin\u00e9ho. Velmi \u010dast\u00fd p\u0159\u00edpad je to u spole\u010dn\u00e9ho m\u011bn\u00ed man\u017eel\u016f, kdy jsi jeden z man\u017eel\u016f za z\u00e1dy toho druh\u00e9ho nabere \u00fav\u011bry, kter\u00e9 nespl\u00e1c\u00ed. Je velmi t\u011b\u017ek\u00e9 prok\u00e1zat \u017ee druh\u00fd man\u017eel o tomto jedn\u00e1n\u00ed nev\u011bd\u011bl, tud\u00ed\u017e se \u010dasto st\u00e1v\u00e1 \u017ee se i nevinn\u00fd \u010dlov\u011bk dostane do hled\u00e1\u010dku exekutora. Bohu\u017eel banky nerozli\u0161uj\u00ed, z jak\u00e9ho d\u016fvodu jste se do exekuc\u00ed dostali. Samoz\u0159ejm\u011b i \u010dlov\u011bk kter\u00fd m\u011bl probl\u00e9my s exekucemi chce n\u011bkde bydlet, a v\u011bt\u0161inou si lid\u00e9 vyb\u00edraj\u00ed vlastn\u00ed bydlen\u00ed.Vzhledem k astronomick\u00fdm cen\u00e1m nemovitost\u00ed p\u0159ipad\u00e1 v \u00favahu jen hypot\u00e9ka, proto\u017ee bez hypot\u00e9ky si nem\u016f\u017ee vlastn\u00ed bydlen\u00ed dovolit t\u00e9m\u011b\u0159 nikdo, na to \u010dlov\u011bk, kter\u00fd m\u011bl exekuce. Existuj\u00ed hypot\u00e9ky bez registru, kter\u00e9 jsou dom\u00e9nou nebankovn\u00edho sektoru. U t\u011bchto hypot\u00e9k sice nebudete muset prokazovat, \u017ee m\u00e1te \u010dist\u00fd \u0161t\u00edt bez exekuc\u00ed, ov\u0161em budete muset po\u010d\u00edtat s vy\u0161\u0161\u00edm \u00farokem. Pokud jste m\u011bli dluhy, je dobr\u00e9 s \u017e\u00e1dost\u00ed o hypot\u00e9ku n\u011bjakou dobu po\u010dkat, ne\u017e si naspo\u0159\u00edte alespo\u0148 n\u011bjakou \u010d\u00e1stku. Je d\u016fle\u017eit\u00e9 m\u00edt finan\u010dn\u00ed pol\u0161t\u00e1\u0159 pro v\u0161echny p\u0159\u00edpady, a tak\u00e9 je nutn\u00e9 si sjednat pot\u0159ebn\u00e9 poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad, \u017ee byste z jak\u00e9hokoliv d\u016fvodu nakonec spl\u00e1cet nemohli. V takov\u00e9m p\u0159\u00edpad\u011b by za v\u00e1s potom spl\u00e1tky hradila poji\u0161\u0165ovna.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co kdy\u017e m\u00e1te z\u00e1znam?","item":"https:\/\/www.flexit.cz\/co-kdyz-mate-zaznam\/#breadcrumbitem"}]}]