[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.michnov.cz\/chcete-stavet-ale-nemate-kde\/#Article","mainEntityOfPage":"https:\/\/www.michnov.cz\/chcete-stavet-ale-nemate-kde\/","headline":"Chcete stav\u011bt, ale nem\u00e1te kde?","name":"Chcete stav\u011bt, ale nem\u00e1te kde?","description":"Odst\u011bhovat se do vlastn\u00edho bydlen\u00ed, kter\u00e9 je postaveno p\u0159esn\u011b dle konkr\u00e9tn\u00edch p\u0159\u00e1n\u00ed a pot\u0159eb, je mo\u017enost\u00ed, na kterou nedos\u00e1hne ka\u017ed\u00fd. Spousta lid\u00ed pak vol\u00ed mo\u017enost, kdy si d\u016fm postav\u00ed sv\u00e9pomoc\u00ed, beze stavebn\u00ed firmy, a odborn\u00edky volaj\u00ed jen na to, co sami nezvl\u00e1dnou. My \u010ce\u0161i jsme n\u00e1rod kutil\u016f, a tak mnohdy za pomoci p\u0159\u00e1tel a rodiny … ","datePublished":"2022-06-18","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.michnov.cz\/author\/#Person","name":"","url":"https:\/\/www.michnov.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"michnov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.michnov.cz\/wp-content\/uploads\/house-167734_640_2.jpg","url":"https:\/\/www.michnov.cz\/wp-content\/uploads\/house-167734_640_2.jpg","height":0,"width":0},"url":"https:\/\/www.michnov.cz\/chcete-stavet-ale-nemate-kde\/","about":["Ekonomika"],"wordCount":425,"articleBody":"      Odst\u011bhovat se do vlastn\u00edho bydlen\u00ed, kter\u00e9 je postaveno p\u0159esn\u011b dle konkr\u00e9tn\u00edch p\u0159\u00e1n\u00ed a pot\u0159eb, je mo\u017enost\u00ed, na kterou nedos\u00e1hne ka\u017ed\u00fd. Spousta lid\u00ed pak vol\u00ed mo\u017enost, kdy si d\u016fm postav\u00ed sv\u00e9pomoc\u00ed, beze stavebn\u00ed firmy, a odborn\u00edky volaj\u00ed jen na to, co sami nezvl\u00e1dnou. My \u010ce\u0161i jsme n\u00e1rod kutil\u016f, a tak mnohdy za pomoci p\u0159\u00e1tel a rodiny skute\u010dn\u011b zvl\u00e1dneme odv\u00e9st dobrou pr\u00e1ci, i co se stavby domu t\u00fd\u010de. Nen\u00ed to ale jen o stavb\u011b jako takov\u00e9, ale p\u0159edev\u0161\u00edm o tom, kde vz\u00edt pozemek, na kter\u00e9m bychom stavbu provedli. Ani samostatn\u00fd pozemek toti\u017e nen\u00ed zrovna levnou z\u00e1le\u017eitost\u00ed, a ne ka\u017ed\u00fd na n\u011bj m\u00e1 na\u0161et\u0159eno. Kde tedy vz\u00edt pen\u00edze na pozemek, kdy\u017e banka nechce p\u016fj\u010dit?Pro\u010d banka nechce p\u016fj\u010dit?Podm\u00ednky bankovn\u00edch hypot\u00e9k jsou mnohdy velmi n\u00e1ro\u010dn\u00e9, a tak na n\u011b dos\u00e1hne jen ten, kdo m\u00e1 skute\u010dn\u011b nadstandardn\u00ed p\u0159\u00edjmy. Kdy\u017e je ale nem\u00e1te, banka v\u00e1s slu\u0161n\u011b, ale rychle vyk\u00e1\u017ee do pat\u0159i\u010dn\u00fdch mez\u00ed. Na\u0161t\u011bst\u00ed existuje je\u0161t\u011b \u0159e\u0161en\u00ed v podob\u011b nebankovn\u00ed hypot\u00e9ky, kterou nab\u00edzej\u00ed nebankovn\u00ed finan\u010dn\u00ed a hypote\u010dn\u00ed instituce.Jak z\u00edskat hypot\u00e9ku na pozemek u nebankovn\u00ed spole\u010dnosti?Z\u00edskat hypot\u00e9ku na pozemek u nebankovn\u00ed spole\u010dnosti nen\u00ed tak n\u00e1ro\u010dn\u00e9. Ide\u00e1ln\u00ed je, pokud m\u00e1te na\u0161et\u0159eno alespo\u0148 30% ceny pozemku. On\u00edm pozemkem toti\u017e budete ru\u010dit, a v p\u0159\u00edpad\u011b, \u017ee byste nezvl\u00e1dali spl\u00e1cet, mus\u00ed m\u00edt nebankovn\u00ed spole\u010dnost, stejn\u011b jako ty bankovn\u00ed, n\u011bjakou jistinu. Pokud v\u0161ak na\u0161et\u0159eno nem\u00e1te, m\u016f\u017eete po\u017e\u00e1dat nap\u0159\u00edklad n\u011bkoho z rodiny, aby v\u00e1m ru\u010dil vlastn\u00ed nemovitost\u00ed, \u010di aby se upsal jako spolu\u017eadatel. Z\u00e1le\u017e\u00ed to samoz\u0159ejm\u011b na vz\u00e1jemn\u00e9 d\u016fv\u011b\u0159e, ale pro\u010d to nezkusit?Pot\u00e9 sta\u010d\u00ed vyplnit formul\u00e1\u0159, a po\u010dkat, a\u017e se v\u00e1m ozve specialista z nebankovn\u00ed spole\u010dnosti, kter\u00fd s v\u00e1mi do\u0159e\u0161\u00ed v\u0161echny n\u00e1le\u017eitosti. Hypot\u00e9ka v\u00e1m bude \u0159e\u0161ena na m\u00edru, tak\u017ee nemus\u00edte m\u00edt strach, kdy\u017e po v\u00e1s budou po\u017eadovat dolo\u017eit p\u0159\u00edjmy a v\u00fddaje. Nen\u00ed to proto, \u017ee by v\u00e1m p\u016fj\u010dit necht\u011bli, pot\u0159ebuj\u00ed to pouze proto, aby v\u011bd\u011bli, jak hypot\u00e9ku nastavit.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chcete stav\u011bt, ale nem\u00e1te kde?","item":"https:\/\/www.michnov.cz\/chcete-stavet-ale-nemate-kde\/#breadcrumbitem"}]}]