[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.loscut.cz\/je-mozna-hypoteka-po-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.loscut.cz\/je-mozna-hypoteka-po-insolvenci\/","headline":"Je mo\u017en\u00e1 hypot\u00e9ka po insolvenci?","name":"Je mo\u017en\u00e1 hypot\u00e9ka po insolvenci?","description":"Vzhledem k sou\u010dasn\u00e9 ekonomick\u00e9 situaci v na\u0161\u00ed zemi a finan\u010dn\u00ed gramotnosti na\u0161\u00ed populace nen\u00ed divu, \u017ee se do insolvence dost\u00e1v\u00e1 st\u00e1le v\u00edce a v\u00edce lid\u00ed.","datePublished":"2024-01-15","dateModified":"2024-02-16","author":{"@type":"Person","@id":"https:\/\/www.loscut.cz\/author\/#Person","name":"","url":"https:\/\/www.loscut.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"loscut.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.loscut.cz\/wp-content\/uploads\/hypoteka7_10_4.jpg","url":"https:\/\/www.loscut.cz\/wp-content\/uploads\/hypoteka7_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.loscut.cz\/je-mozna-hypoteka-po-insolvenci\/","about":["Pen\u00edze"],"wordCount":411,"articleBody":"   Vzhledem k sou\u010dasn\u00e9 ekonomick\u00e9 situaci v na\u0161\u00ed zemi a finan\u010dn\u00ed gramotnosti na\u0161\u00ed populace nen\u00ed divu, \u017ee se do insolvence dost\u00e1v\u00e1 st\u00e1le v\u00edce a v\u00edce lid\u00ed. Jedn\u00e1 se o dlouhodob\u00fd probl\u00e9m, kter\u00fd nen\u00ed zrovna jednoduch\u00e9 \u0159e\u0161it. Pot\u00ed\u017e je v tom, \u017ee i tito lid\u00e9 cht\u011bj\u00ed m\u00edt kde bydlet. Kdy\u017e to spoj\u00edme s vysok\u00fdmi cenami nemovitost\u00ed, nen\u00ed divu, \u017ee maj\u00ed probl\u00e9my. Je tedy pochopiteln\u00e9, \u017ee se zaj\u00edmaj\u00ed o to, zda je mo\u017en\u00e1 hypot\u00e9ka po insolvenci Nebankovn\u00ed hypot\u00e9ka, p\u0159\u00edpadn\u011b za jak\u00fdch podm\u00ednek.Na\u0161t\u011bst\u00ed pro n\u011b takov\u00e1 mo\u017enost skute\u010dn\u011b existuje. Existuj\u00ed poskytovatel\u00e9, kte\u0159\u00ed skute\u010dn\u011b mohou takovouto hypot\u00e9ku nab\u00eddnout. Probl\u00e9m je v\u0161ak v tom, \u017ee se jedn\u00e1 o nebankovn\u00ed subjekty, tedy takov\u00e9, kter\u00e9 u lid\u00ed nemaj\u00ed a\u017e tak velkou d\u016fv\u011bru.Je tak\u00e9 pravdou, \u017ee si za sv\u00e9 slu\u017eby v tomto p\u0159\u00edpad\u011b \u00fa\u010dtuj\u00ed mnohem v\u00edce pen\u011bz, nej\u010dast\u011bji v podob\u011b \u00farok\u016f. Ty jsou zde toti\u017e vy\u0161\u0161\u00ed ne\u017e u b\u011b\u017en\u00e9 hypot\u00e9ky, kterou n\u00e1m nab\u00eddne banka. A i kdy\u017e se poskytovatel chlub\u00ed t\u00edm, \u017ee zrovna u n\u011bj jsou n\u00edzk\u00e9, \u010dasto to vyv\u00e1\u017e\u00ed nejr\u016fzn\u011bj\u0161\u00ed dal\u0161\u00ed poplatky. Proto je v\u017edy dobr\u00e9 zaj\u00edmat se, kolik d\u011bl\u00e1 RPSN, tedy ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f. Jen tak si ud\u011bl\u00e1me p\u0159esnou p\u0159edstavu o tom, zda je pro n\u00e1s dan\u00e1 nab\u00eddka v\u00fdhodn\u00e1 \u010di nikoliv.D\u00e1le je zde ot\u00e1zka, zda na spl\u00e1cen\u00ed hypot\u00e9ky skute\u010dn\u011b m\u00e1me. Pokud jsme toti\u017e v exekuci, p\u0159\u00edpadn\u011b jsme ji zrovna splatili, pak na\u0161e finan\u010dn\u00ed situace nejsp\u00ed\u0161 nebude nejlep\u0161\u00ed. M\u011bli bychom se tedy zamyslet nad t\u00edm, zda je vhodn\u00e9 si je\u0161t\u011b br\u00e1t hypot\u00e9ku. Je to toti\u017e velmi snadn\u00fd zp\u016fsob, jak se dostat do dal\u0161\u00edch dluh\u016f. A z nich, jak v\u00edme, nen\u00ed zrovna lehk\u00e1 cesta ven.Je proto ot\u00e1zkou, zda by m\u011bla b\u00fdt v\u016fbec hypot\u00e9ka pro lidi po insolvenci nab\u00edzena. P\u0159eci jen je celkem jasn\u00e9, \u017ee valn\u00e1 v\u011bt\u0161ina z nich nebude m\u00edt na spl\u00e1cen\u00ed. Je v\u0161ak na lidech, aby se rozhodli. Pokud jsou si v\u011bdomi v\u0161ech rizik a jsou ochotni do toho j\u00edt, pak je v\u0161e v po\u0159\u00e1dku. Kdo v\u00ed, mo\u017en\u00e1 budou nakonec spokojeni.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je mo\u017en\u00e1 hypot\u00e9ka po insolvenci?","item":"https:\/\/www.loscut.cz\/je-mozna-hypoteka-po-insolvenci\/#breadcrumbitem"}]}]