[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.datop.cz\/hypoteka-versus-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.datop.cz\/hypoteka-versus-pujcka\/","headline":"Hypot\u00e9ka versus p\u016fj\u010dka","name":"Hypot\u00e9ka versus p\u016fj\u010dka","description":"Ano, takto v tom velk\u00fd rozd\u00edl nen\u00ed. Ale v praxi je to jinak. P\u016fj\u010dky se poskytuj\u00ed na men\u0161\u00ed pen\u011b\u017en\u00ed \u010d\u00e1stky … ","datePublished":"2024-01-15","dateModified":"2024-02-16","author":{"@type":"Person","@id":"https:\/\/www.datop.cz\/author\/#Person","name":"","url":"https:\/\/www.datop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"datop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.datop.cz\/wp-content\/uploads\/banknotes-159085_640.png","url":"https:\/\/www.datop.cz\/wp-content\/uploads\/banknotes-159085_640.png","height":0,"width":0},"url":"https:\/\/www.datop.cz\/hypoteka-versus-pujcka\/","about":["Pen\u00edze"],"wordCount":401,"articleBody":"   Ano, takto v tom velk\u00fd rozd\u00edl nen\u00ed. Ale v praxi je to jinak. P\u016fj\u010dky se poskytuj\u00ed na men\u0161\u00ed pen\u011b\u017en\u00ed \u010d\u00e1stky a na krat\u0161\u00ed dobu. Hypot\u00e9ky na v\u011bt\u0161\u00ed a obnosy a na dobu o hodn\u011b del\u0161\u00ed. Nez\u0159\u00eddka i dvacet let. Hypot\u00e9ka je kryta z\u00e1stavou na nemovitost. Co to znamen\u00e1 v praxi? V\u011bt\u0161inou to, \u017ee pokud dlu\u017en\u00edk p\u0159estane spl\u00e1cet, d\u016fm \u010di byt mu propadne. Nen\u00ed toti\u017e jeho, ale v podstat\u011b toho, kdo mu hypot\u00e9ku poskytl. V\u011bt\u0161inou to \u0159e\u0161\u00ed v\u011b\u0159itel tak, \u017ee to p\u0159ed\u00e1 druh\u00e9 firm\u011b. Nebo tak\u00e9 ne a sna\u017e\u00ed se to ud\u011blat svou vlastn\u00ed cestou. Zde u\u017e to m\u00e1 ka\u017ed\u00fd jinak. Ale mus\u00edme j\u00edt nejprve na za\u010d\u00e1tek. Ka\u017ed\u00fd hypot\u00e9ka za\u010d\u00edn\u00e1 \u017e\u00e1dost\u00ed a od n\u00ed se za\u010dne odv\u00edjet koloto\u010d, kter\u00fd skon\u010d\u00ed za del\u0161\u00ed dobu. Je toti\u017e t\u0159eba spousty potvrzen\u00ed a sehnat je v\u0161echny nejde za jeden den. A nav\u00edc, i kdy\u017e m\u00e1 klient v\u0161echny dokumenty pohromad\u011b, nemus\u00ed hypot\u00e9ku dostat. P\u0159\u00ed\u010diny jsou r\u016fzn\u00e9 a banka ani nikdo jin\u00fd je nemus\u00ed klientovi sd\u011blovat. Nen\u00ed to jejich povinnost, stejn\u011b jako nen\u00ed jejich povinnost p\u016fj\u010dku poskytnout. V\u011bt\u0161inou se tak stane v bankovn\u00edm sektoru, kde se objev\u00ed probl\u00e9m s v\u00fd\u0161\u00ed p\u0159\u00edjm\u016f, nebo tak\u00e9 n\u011bjak\u00fd \u0161kraloup v datab\u00e1zi neplati\u010d\u016f. \u010clov\u011bk ani nemus\u00ed v\u011bd\u011bt, \u017ee tam je a ani jak se tam dostal. Posta\u010d\u00ed vynechat platbu telekomunikac\u00edm a u\u017e se to tam d\u00e1v\u00e1. Stejn\u011b jako t\u0159eba SIPO nebo cokoli jin\u00e9ho. Americk\u00e1 nebankovn\u00ed hypot\u00e9ka je zalo\u017een\u00e1 na naprosto stejn\u00fdch principech zap\u016fj\u010dov\u00e1n\u00ed pen\u011bz. To je ov\u0161em tak\u00e9 v\u0161echno, co m\u00e1 spole\u010dn\u00e9ho s bankovn\u00edm sektorem. Zde se cel\u00fd postup odehr\u00e1v\u00e1 jinak a na jin\u00e9 \u00farovni. M\u00edn\u00edme t\u00edm tedy postup poskytov\u00e1n\u00ed hypot\u00e9ky. Odli\u0161nosti jsou z\u0159ejm\u00e9 u\u017e p\u0159i za\u010d\u00e1tku, kde se nemus\u00ed nosit takov\u00e1 spousta potvrzen\u00ed. P\u0159inesou se jen ty z\u00e1kladn\u00ed a pak se uvid\u00ed. T\u00edm se vlastn\u011b cel\u00fd proces neuv\u011b\u0159iteln\u011b zrychl\u00ed, tak\u017ee to, co trv\u00e1 jinde m\u011bs\u00edc, se zde m\u016f\u017ee zvl\u00e1dnout za p\u00e1r dn\u00ed. A ihned po podpisu smlouvy jsou pen\u00edze na \u00fa\u010dtu klienta.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka versus p\u016fj\u010dka","item":"https:\/\/www.datop.cz\/hypoteka-versus-pujcka\/#breadcrumbitem"}]}]