[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mipem.cz\/proc-je-nebankovni-hypoteka-vyhodna\/#Article","mainEntityOfPage":"https:\/\/www.mipem.cz\/proc-je-nebankovni-hypoteka-vyhodna\/","headline":"Pro\u010d je nebankovn\u00ed hypot\u00e9ka v\u00fdhodn\u00e1?","name":"Pro\u010d je nebankovn\u00ed hypot\u00e9ka v\u00fdhodn\u00e1?","description":"Chcete d\u016fm nebo byt. Tak va\u0161e prvn\u00ed kroky povedou nejsp\u00ed\u0161 do banky, kde si za\u017e\u00e1d\u00e1te o hypot\u00e9ku. Ale st\u00e1le v\u00edce lid\u00ed vol\u00ed jinou variantu, a sice \u017ee se obr\u00e1t\u00ed na nebankovn\u00ed spole\u010dnost. Nebankovn\u00ed hypot\u00e9ka m\u016f\u017ee b\u00fdt toti\u017e \u0159e\u0161en\u00edm pro v\u0161echny, kte\u0159\u00ed cht\u011bj\u00ed vlastn\u00ed bydlen\u00ed, ale kter\u00fdm z n\u011bjak\u00e9ho d\u016fvodu banka nechce p\u016fj\u010dit pen\u00edze. Nebankovn\u00ed hypot\u00e9ka ... <a href=\"https:\/\/www.mipem.cz\/proc-je-nebankovni-hypoteka-vyhodna\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Pro\u010d je nebankovn\u00ed hypot\u00e9ka v\u00fdhodn\u00e1?\"<\/span> &raquo;<\/a>","datePublished":"2025-10-14","dateModified":"2025-10-14","author":{"@type":"Person","@id":"https:\/\/www.mipem.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.mipem.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mipem.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mipem.cz\/wp-content\/uploads\/todd-kent-178j8tJrNlc-unsplash_3.jpg","url":"https:\/\/www.mipem.cz\/wp-content\/uploads\/todd-kent-178j8tJrNlc-unsplash_3.jpg","height":0,"width":0},"url":"https:\/\/www.mipem.cz\/proc-je-nebankovni-hypoteka-vyhodna\/","about":["Finance"],"wordCount":408,"articleBody":"      Chcete d\u016fm nebo byt. Tak va\u0161e prvn\u00ed kroky povedou nejsp\u00ed\u0161 do banky, kde si za\u017e\u00e1d\u00e1te o hypot\u00e9ku. Ale st\u00e1le v\u00edce lid\u00ed vol\u00ed jinou variantu, a sice \u017ee se obr\u00e1t\u00ed na nebankovn\u00ed spole\u010dnost. Nebankovn\u00ed hypot\u00e9ka m\u016f\u017ee b\u00fdt toti\u017e \u0159e\u0161en\u00edm pro v\u0161echny, kte\u0159\u00ed cht\u011bj\u00ed vlastn\u00ed bydlen\u00ed, ale kter\u00fdm z n\u011bjak\u00e9ho d\u016fvodu banka nechce p\u016fj\u010dit pen\u00edze. Nebankovn\u00ed hypot\u00e9ka m\u016f\u017ee zn\u00edt jako n\u011bco, co pro v\u00e1s bude siln\u011b nev\u00fdhodn\u00e9. Ale v\u011b\u0159te, nen\u00ed tomu tak. U\u017e d\u00e1vno odzvonilo \u010das\u016fm, kdy byla v\u011bt\u0161ina nebankovn\u00edch spole\u010dnost\u00ed jen prost\u0159edek na vytah\u00e1n\u00ed co nejv\u00edce pen\u011bz za poplatc\u00edch a \u00faroc\u00edch z chud\u00e1k\u016f, kte\u0159\u00ed sami nemaj\u00ed moc pen\u011bz. Dnes jsou mezi nebankovn\u00edmi spole\u010dnostmi solidn\u00ed firmy, kter\u00e9 v\u00e1m mohou nab\u00eddnout skv\u011bl\u00e9 podm\u00ednky pro hypot\u00e9ku.Pod\u00edvejte se sami na nebankovn\u00ed hypot\u00e9ku a jej\u00ed v\u00fdhody.Snadn\u011bj\u0161\u00ed schv\u00e1len\u00edNebankovn\u00ed spole\u010dnosti maj\u00ed benevolentn\u011bj\u0161\u00ed p\u0159\u00edstup k \u017eadatel\u016fm o hypot\u00e9ku, ne\u017e banka. Nemus\u00edte u nich dokl\u00e1dat tolik dokument\u016f, \u010dasto nepot\u0159ebujete ani potvrzen\u00ed o p\u0159\u00edjmu. Nebude pravd\u011bpodobn\u011b vadit ani z\u00e1znam v registru dlu\u017en\u00edk\u016f. Stejn\u011b tak, pokud jste n\u011bjakou dobu po insolvenci.RychlostVelkou v\u00fdhodou je, \u017ee pen\u00edze z nebankovn\u00ed hypot\u00e9ky obdr\u017e\u00edte na \u00fa\u010det daleko rychleji, ne\u017e z norm\u00e1ln\u00ed banky. U banky m\u016f\u017ee schvalov\u00e1n\u00ed hypot\u00e9ky trvat klidn\u011b i t\u00fddny. U nebankovn\u00ed hypot\u00e9ky se proces smrskne na p\u00e1r dn\u016f, n\u011bkdy to m\u016f\u017ee b\u00fdt dokonce i pouh\u00fdch 24 hodin. Hod\u00ed se tedy pro ty, kte\u0159\u00ed pot\u0159ebuj\u00ed pen\u00edze rychle.Dlouh\u00e1 doba spl\u00e1cen\u00edV\u011bt\u0161ina nebankovn\u00edch hypot\u00e9k nab\u00edz\u00ed dlouhou dobu spl\u00e1cen\u00ed. Obdobn\u011b jako banka. Co to znamen\u00e1? Va\u0161i hypot\u00e9ku si m\u016f\u017eete nat\u00e1hnout klidn\u011b na t\u0159icet let. Sice je to z\u00e1vazek na pom\u011brn\u011b dlouhou dobu, ale \u010d\u00edm del\u0161\u00ed dobu spl\u00e1cen\u00ed zvol\u00edte, t\u00edm men\u0161\u00ed budou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Samoz\u0159ejm\u011b, pokud si vyb\u00edr\u00e1te spole\u010dnost, kter\u00e1 v\u00e1m poskytne nebankovn\u00ed hypot\u00e9ku, bu\u010fte obez\u0159etn\u00ed. V\u017edy si po\u0159\u00e1dn\u011b p\u0159e\u010dt\u011bte smlouvu a nebojte se zeptat, pokud budete m\u00edt n\u011bjak\u00e9 ot\u00e1zky.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d je nebankovn\u00ed hypot\u00e9ka v\u00fdhodn\u00e1?","item":"https:\/\/www.mipem.cz\/proc-je-nebankovni-hypoteka-vyhodna\/#breadcrumbitem"}]}]