[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.adarda.cz\/jak-ziskat-hypoteku-i-kdyz-jsme-si-prosli-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.adarda.cz\/jak-ziskat-hypoteku-i-kdyz-jsme-si-prosli-insolvenci\/","headline":"Jak z\u00edskat hypot\u00e9ku i kdy\u017e jsme si pro\u0161li insolvenc\u00ed.","name":"Jak z\u00edskat hypot\u00e9ku i kdy\u017e jsme si pro\u0161li insolvenc\u00ed.","description":"U\u017e jste ur\u010dit\u011b n\u011bkdy sly\u0161eli, \u017ee je nejlep\u0161\u00ed m\u00edt svoje vlastn\u00ed bydlen\u00ed. \u017de se prost\u011b nevypl\u00e1c\u00ed platit n\u011bkomu dal\u0161\u00edmu p\u0159i n\u00e1jmu pen\u00edze do kapsy. A \u017ee je lep\u0161\u00ed, kdy\u017e si m\u016f\u017eete platit n\u011bco sv\u00e9ho. A nap\u0159\u00edklad pokud si budete br\u00e1t hypote\u010dn\u00ed \u00fav\u011br, tak dobr\u00e1 zpr\u00e1va je, \u017ee si to m\u016f\u017eete d\u00e1t do odpo\u010dtu dan\u00ed. A […]","datePublished":"2023-06-25","dateModified":"2023-07-25","author":{"@type":"Person","@id":"https:\/\/www.adarda.cz\/author\/#Person","name":"","url":"https:\/\/www.adarda.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"adarda.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.adarda.cz\/wp-content\/uploads\/build-a-house-4503738_640_2.jpg","url":"https:\/\/www.adarda.cz\/wp-content\/uploads\/build-a-house-4503738_640_2.jpg","height":0,"width":0},"url":"https:\/\/www.adarda.cz\/jak-ziskat-hypoteku-i-kdyz-jsme-si-prosli-insolvenci\/","about":["Ekonomika"],"wordCount":436,"articleBody":"      U\u017e jste ur\u010dit\u011b n\u011bkdy sly\u0161eli, \u017ee je nejlep\u0161\u00ed m\u00edt svoje vlastn\u00ed bydlen\u00ed. \u017de se prost\u011b nevypl\u00e1c\u00ed platit n\u011bkomu dal\u0161\u00edmu p\u0159i n\u00e1jmu pen\u00edze do kapsy. A \u017ee je lep\u0161\u00ed, kdy\u017e si m\u016f\u017eete platit n\u011bco sv\u00e9ho. A nap\u0159\u00edklad pokud si budete br\u00e1t hypote\u010dn\u00ed \u00fav\u011br, tak dobr\u00e1 zpr\u00e1va je, \u017ee si to m\u016f\u017eete d\u00e1t do odpo\u010dtu dan\u00ed. A t\u00edm p\u00e1dem si hned sn\u00ed\u017e\u00edte svoji da\u0148ovou povinnost. V\u017edycky zaplat\u00edte v\u00edce ne\u017e na n\u00e1jmu, ale svoji investici si m\u016f\u017eete n\u011bkolikan\u00e1sobn\u011b zhodnotit. A to nepo\u010d\u00edt\u00e1m to, \u017ee v\u00e1m nemovitost nikdo, pokud budete platit nevezme. Z n\u00e1jmu v\u00e1s mohou kdykoliv vylou\u010dit a tak\u00e9 si moc nem\u016f\u017eete bydlen\u00ed upravovat k obrazu sv\u00e9mu.Naopak kdy\u017e si po\u0159\u00edd\u00edte vlastn\u00ed nemovitost je na m\u00edst\u011b, abyste ud\u011blali \u00fapravy, kter\u00e9 se v\u00e1m budou l\u00edbit a z\u00e1rove\u0148 v\u00e1m maxim\u00e1ln\u011b vyhovovat. A tak\u00e9 s postupem \u010dasu bude va\u0161e nemovitost r\u016fst na hodnot\u011b. A taky m\u00e1te mo\u017enost nemovitost pronaj\u00edmat a p\u0159i\u010d\u00edst si tak dal\u0161\u00ed \u010dinnost, kter\u00e1 v\u00e1m bude ti\u0161e vyd\u011bl\u00e1vat. A jak je to vlastn\u011b s bydlen\u00edm, kdy\u017e jste m\u011bli insolvenci? Opravdu si mysl\u00edte, \u017ee je to naprosto nemo\u017en\u00e9? Tak to tak opravdu nen\u00ed. I kdy\u017e jste m\u011bli v minulosti insolvenci, neznamen\u00e1 to, \u017ee nem\u00e1te n\u00e1rok na hypote\u010dn\u00ed \u00fav\u011br. Ale je pravda, \u017ee to budete m\u00edt mnohem t\u011b\u017e\u0161\u00ed. Proto\u017ee kv\u016fli insolvenci va\u0161e bonita pro banky mnohem v\u00edce klesla.A vy budete pot\u0159ebovat m\u00edt s nimi velkou trp\u011blivost. Proto\u017ee si v\u00e1s budou v\u00edce prov\u011b\u0159ovat a proces schv\u00e1len\u00ed bude o n\u011bco del\u0161\u00ed, ne\u017e jste si mysleli. A tak\u00e9 asi budete pot\u0159ebovat mnohem vy\u0161\u0161\u00ed n\u00e1klady, ne\u017e je b\u011b\u017en\u00e9. Bude trvat p\u011bt let, ne\u017e se po ukon\u010den\u00ed insolvence v\u00e1\u0161 z\u00e1znam vyma\u017ee z rejst\u0159\u00edku dlu\u017en\u00edk\u016f. Tak\u017ee je lep\u0161\u00ed, kdy\u017e po\u010dk\u00e1te je\u0161t\u011b dal\u0161\u00ed \u010dty\u0159i roky, ne\u017e budete o hypote\u010dn\u00ed \u00fav\u011br \u017e\u00e1dat. Po t\u00e9to dob\u011b zase m\u016f\u017ee za\u010d\u00edt o va\u0161\u00ed bonit\u011b uva\u017eovat banka. Ale m\u016f\u017ee nastat situace, \u017ee zase neusp\u011bjete. Ale s t\u00edm u\u017e do toho mus\u00edte j\u00edt. A pokud v\u00e1m hypot\u00e9ku po insolvenci neschv\u00e1l\u00ed, budete uvedeni jako \u017eadatel\u00e9, kter\u00fdm se \u017e\u00e1dost zam\u00edtnula.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak z\u00edskat hypot\u00e9ku i kdy\u017e jsme si pro\u0161li insolvenc\u00ed.","item":"https:\/\/www.adarda.cz\/jak-ziskat-hypoteku-i-kdyz-jsme-si-prosli-insolvenci\/#breadcrumbitem"}]}]