[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bamat.cz\/nebankovni-sektor\/#Article","mainEntityOfPage":"https:\/\/www.bamat.cz\/nebankovni-sektor\/","headline":"Nebankovn\u00ed sektor","name":"Nebankovn\u00ed sektor","description":"Konkurence schopnost nebankovn\u00edho sektoru je d\u00e1na t\u00edm, \u017ee maj\u00ed zcela jin\u00e1 pravidla ne\u017e je tomu v p\u0159\u00edpad\u011b b\u011b\u017en\u00fdch bankovn\u00edch instituc\u00ed. Pro\u010d jsou tedy nebankovn\u00ed hypot\u00e9ky tak obl\u00edben\u00e9? M\u016f\u017eete si z\u0159\u00eddit jak podnikatelsk\u00fd, tak tak\u00e9 spot\u0159ebitelsk\u00fd \u00fav\u011br. Jsme odborn\u00edky na poskytov\u00e1n\u00ed podnikatelsk\u00fdch \u00fav\u011br\u016f, ale velice r\u00e1di v\u00e1m za\u0159\u00edd\u00edme i sjedn\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru za t\u011bch nejlep\u0161\u00edch mo\u017en\u00fdch […]","datePublished":"2018-07-24","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.bamat.cz\/author\/#Person","name":"","url":"https:\/\/www.bamat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bamat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bamat.cz\/wp-content\/uploads\/img_a320741_w2600_t1532019470.jpg","url":"https:\/\/www.bamat.cz\/wp-content\/uploads\/img_a320741_w2600_t1532019470.jpg","height":0,"width":0},"url":"https:\/\/www.bamat.cz\/nebankovni-sektor\/","about":["Finance"],"wordCount":462,"articleBody":"   Konkurence schopnost nebankovn\u00edho sektoru je d\u00e1na t\u00edm, \u017ee maj\u00ed zcela jin\u00e1 pravidla ne\u017e je tomu v p\u0159\u00edpad\u011b b\u011b\u017en\u00fdch bankovn\u00edch instituc\u00ed. Pro\u010d jsou tedy nebankovn\u00ed hypot\u00e9ky tak obl\u00edben\u00e9? M\u016f\u017eete si z\u0159\u00eddit jak podnikatelsk\u00fd, tak tak\u00e9 spot\u0159ebitelsk\u00fd \u00fav\u011br. Jsme odborn\u00edky na poskytov\u00e1n\u00ed podnikatelsk\u00fdch \u00fav\u011br\u016f, ale velice r\u00e1di v\u00e1m za\u0159\u00edd\u00edme i sjedn\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru za t\u011bch nejlep\u0161\u00edch mo\u017en\u00fdch podm\u00ednek. Nebankovn\u00ed sektor se velice rychle dostal do pozice, kdy m\u016f\u017ee konkurovat bank\u00e1m. Pro\u010d tomu tak je? Nyn\u00ed si \u0159ekneme p\u00e1r z\u00e1kladn\u00edch faktor\u016f:– Ne\u0159e\u0161\u00ed se registry dlu\u017en\u00edk\u016f. V bank\u00e1ch velk\u00fd probl\u00e9m, proto\u017ee jakmile jste zaps\u00e1ni v registrech dlu\u017en\u00edk\u016f, tak nedostanete \u017e\u00e1dnou p\u016fj\u010dku.– Ne\u0159e\u0161\u00edte \u00farokovou sazbu. Tu v\u00e1m zajist\u00edme co nejni\u017e\u0161\u00ed. Samoz\u0159ejm\u011b s p\u0159ihl\u00e9dnut\u00edm na va\u0161i konkr\u00e9tn\u00ed situaci. M\u016f\u017eeme zajistit opravdu extra n\u00edzk\u00fd \u00farok, jako je tomu v b\u011b\u017en\u00e9 bance.– N\u00edzk\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Spl\u00e1tky jsou nastaven\u00e9 tak, abyste mohli dok\u00e1zat spl\u00e1cet. Nechceme, abyste se dost\u00e1vali do je\u0161t\u011b v\u011bt\u0161\u00edch krizov\u00fdch situac\u00ed a proto v\u00e1m zajist\u00edme opravdu n\u00edzk\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky.– \u017d\u00e1dn\u00e9 poplatky p\u0159edem. Neplat\u00edte nic p\u0159edem. Ani po skon\u010den\u00ed. Nav\u00edc m\u016f\u017eete \u00fav\u011br kdykoliv splatit a to p\u0159ed\u010dasn\u011b a bez sankc\u00ed nebo pokut.– Doba spl\u00e1cen\u00ed a\u017e 30 let. Ani v bance by v\u00e1m nezajistili del\u0161\u00ed dobu spl\u00e1cen\u00ed. Nav\u00edc ne\u0159e\u0161\u00edme v\u011bkovou hranici. Dobu splatnosti si zkr\u00e1tka m\u016f\u017eete kdykoliv nastavit a\u017e na 30 let. Samoz\u0159ejmost\u00ed je i krat\u0161\u00ed hranice a to ji\u017e od jednoho roku splacen\u00ed a\u017e po dobu pr\u00e1v\u011b t\u0159iceti let.– 70% z odhadu nemovitosti. Ani v bance byste nedostali v\u00edce. Podle doporu\u010den\u00ed a ofici\u00e1ln\u00edch stanovisek \u010cNB u\u017e neexistuj\u00ed 100% hypot\u00e9ky, ale d\u00e1v\u00e1 se pouze 70% z odhadu. Co\u017e nen\u00ed m\u00e1lo, tak\u017ee u n\u00e1s z\u00edsk\u00e1te to nejlep\u0161\u00ed. To nejlep\u0161\u00ed pro V\u00e1s Hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je v\u00fdhodn\u00fd finan\u010dn\u00ed produkt. Nemus\u00edte dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy, nevad\u00ed ani n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed u podnikatel\u016f. Spl\u00e1cet m\u016f\u017eete a\u017e 30 let a z\u00edsk\u00e1te a\u017e neuv\u011b\u0159iteln\u00fdch 70% z odhadu nemovitosti. V\u00edc ani dostat nem\u016f\u017eete, proto\u017ee \u010cNB ji\u017e d\u00e1vno uzav\u0159ela 100% hypot\u00e9ky. Ty ji\u017e nen\u00ed mo\u017en\u00e9 sjednat a to ani v bank\u00e1ch, ani nikde jinde. Doporu\u010dena byla hranice pr\u00e1v\u011b 70%. Tak\u017ee v\u00e1m d\u00e1v\u00e1me to nejlep\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed sektor","item":"https:\/\/www.bamat.cz\/nebankovni-sektor\/#breadcrumbitem"}]}]