[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.krusis.cz\/jaka-pravidla-ma-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.krusis.cz\/jaka-pravidla-ma-nebankovni-hypoteka\/","headline":"Jak\u00e1 pravidla m\u00e1 nebankovn\u00ed hypot\u00e9ka","name":"Jak\u00e1 pravidla m\u00e1 nebankovn\u00ed hypot\u00e9ka","description":"Ka\u017ed\u00e1 instituce, kter\u00e1 nab\u00edz\u00ed finan\u010dn\u00ed slu\u017eby, v\u010detn\u011b hypot\u00e9k, se mus\u00ed \u0159\u00eddit.","datePublished":"2023-06-21","dateModified":"2024-05-14","author":{"@type":"Person","@id":"https:\/\/www.krusis.cz\/author\/#Person","name":"","url":"https:\/\/www.krusis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"krusis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.krusis.cz\/wp-content\/uploads\/hypoteka3_10_10_7.png","url":"https:\/\/www.krusis.cz\/wp-content\/uploads\/hypoteka3_10_10_7.png","height":0,"width":0},"url":"https:\/\/www.krusis.cz\/jaka-pravidla-ma-nebankovni-hypoteka\/","about":["Pen\u00edze"],"wordCount":425,"articleBody":"   Ka\u017ed\u00e1 instituce, kter\u00e1 nab\u00edz\u00ed finan\u010dn\u00ed slu\u017eby, v\u010detn\u011b hypot\u00e9k, se mus\u00ed \u0159\u00eddit pravidly, dan\u00fdmi z\u00e1konem. Ta jsou zde od toho, aby ob\u011b strany chr\u00e1nila, a\u010dkoliv je pot\u0159eba \u0159\u00edci, \u017ee pro nebankovn\u00ed produkty jsou pon\u011bkud voln\u011bj\u0161\u00ed.To samoz\u0159ejm\u011b mus\u00ed dodr\u017eovat i nebankovn\u00ed hypot\u00e9ka Nebankovn\u00ed hypot\u00e9ka, kter\u00e1 pat\u0159\u00ed dlouhodob\u011b k jedn\u011bm z nejobl\u00edben\u011bj\u0161\u00edch druh\u016f. A a\u010dkoliv se u n\u011bkter\u00fdch poskytovatel\u016f m\u016f\u017ee zd\u00e1t, \u017ee jejich chov\u00e1n\u00ed je na hran\u011b, nebo dokonce ji\u017e za hranou z\u00e1kona, v naprost\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f jej p\u0159\u00edsn\u011b dodr\u017euj\u00ed.Je ov\u0161em faktem, \u017ee pr\u00e1v\u011b z\u00e1kon jim umo\u017e\u0148uje chov\u00e1n\u00ed, kter\u00e9 \u010dasto hrani\u010d\u00ed a\u017e s klam\u00e1n\u00edm z\u00e1kazn\u00edka. Samoz\u0159ejm\u011b mus\u00ed poskytnout smluven\u00e9 pen\u00edze, a tak\u00e9 d\u00e1t p\u0159im\u011b\u0159enou lh\u016ftu na jejich splacen\u00ed. Co ov\u0161em ji\u017e stanoveno nen\u00ed, je jak vysok\u00e9 \u00faroky a jak\u00e9 poplatky si mohou poskytovatel\u00e9 \u00fa\u010dtovat, stejn\u011b jako sankce za neplacen\u00ed, p\u0159\u00edpadn\u011b p\u0159ed\u010dasn\u00e9 splacen\u00ed.Podle z\u00e1kona v\u0161ak v\u0161echny tyto podm\u00ednky mus\u00ed b\u00fdt jasn\u011b uvedeny ve smlouv\u011b. Ta je v\u0161ak \u010dasto psan\u00e1 takov\u00fdm jazykem, \u017ee j\u00ed lid\u00e9 \u010dasto p\u0159\u00edli\u0161 nerozum\u00ed, p\u0159\u00edpadn\u011b ji prakticky v\u016fbec ne\u010dtou. Potom se v\u0161ak nesta\u010d\u00ed divit, jak\u00e1 je vlastn\u011b kone\u010dn\u00e1 v\u00fd\u0161e spl\u00e1tek.Dal\u0161\u00ed, relativn\u011b novou, podm\u00ednkou je zajistit, \u017ee \u017eadatel je skute\u010dn\u011b dostate\u010dn\u011b solventn\u00ed, aby mohl spl\u00e1cet. To m\u00e1 zabr\u00e1nit tomu, aby byly pen\u00edze v jak\u00e9koliv form\u011b p\u016fj\u010dov\u00e1ny lidem, kte\u0159\u00ed jasn\u011b na spl\u00e1tky nemaj\u00ed. Bohu\u017eel, definice dostate\u010dn\u00e9 solventnosti je prozat\u00edm pom\u011brn\u011b voln\u00e1, tak\u017ee ji poskytovatel\u00e9, pokud cht\u011bj\u00ed, mohou pom\u011brn\u011b snadno obej\u00edt.V neposledn\u00ed \u0159ad\u011b zde nesm\u00ed b\u00fdt \u017e\u00e1dn\u00e9 skryt\u00e9 poplatky ani pen\u00e1le. \u017dadatel mus\u00ed ji\u017e p\u0159ed podpisem jasn\u011b v\u011bd\u011bt, co v\u0161e bude platit a jak vysok\u00e1 ona kone\u010dn\u00e1 \u010d\u00e1stka bude. T\u00edm se vyhneme tomu, \u017ee najednou p\u0159ijde faktura na dvakr\u00e1t tolik pen\u011bz, ne\u017e onen \u010dlov\u011bk \u010dekal. Samoz\u0159ejm\u011b v\u0161echna tato opat\u0159en\u00ed jsou zde p\u0159edev\u0161\u00edm proto, aby chr\u00e1nila dlu\u017en\u00edka. Jen je ot\u00e1zkou, zda jsou dostate\u010dn\u011b \u00fa\u010dinn\u00e1. Jist\u011b, po\u010det p\u0159\u00edpad\u016f, kdy se lid\u00e9 d\u00edky hypot\u00e9ce dostali do exekuc\u00ed, v posledn\u00edch letech ubylo, av\u0161ak st\u00e1le existuj\u00ed. Lze se jich skute\u010dn\u011b n\u011bkdy zbavit?                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 pravidla m\u00e1 nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.krusis.cz\/jaka-pravidla-ma-nebankovni-hypoteka\/#breadcrumbitem"}]}]