[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kabelko.cz\/muze-byt-hypoteka-po-insolvenci-vhodna\/#Article","mainEntityOfPage":"https:\/\/www.kabelko.cz\/muze-byt-hypoteka-po-insolvenci-vhodna\/","headline":"M\u016f\u017ee b\u00fdt hypot\u00e9ka po insolvenci vhodn\u00e1?","name":"M\u016f\u017ee b\u00fdt hypot\u00e9ka po insolvenci vhodn\u00e1?","description":"Zvl\u00e1\u0161t\u011b v dne\u0161n\u00ed dob\u011b se mnoho lid\u00ed snadno dostane do obt\u00ed\u017en\u00e9 finan\u010dn\u00ed situace. \u010casto je pak jedin\u00fdm \u0159e\u0161en\u00edm, jak se z n\u00ed mohou dostat, insolvence. To samoz\u0159ejm\u011b nen\u00ed n\u011bco, co bychom m\u011bli br\u00e1t na lehkou v\u00e1hu. Av\u0161ak i lid\u00e9, kte\u0159\u00ed si t\u00edmto procesem pro\u0161li, cht\u011bj\u00ed n\u011bkde bydlet. I oni toti\u017e mohou \u010dirou n\u00e1hodou narazit na […]","datePublished":"2023-06-28","dateModified":"2023-07-28","author":{"@type":"Person","@id":"https:\/\/www.kabelko.cz\/author\/#Person","name":"","url":"https:\/\/www.kabelko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b284045843c408c62f17f24f06fc21877cb3f3f5d67c24728f73b54e3c5ca1db?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b284045843c408c62f17f24f06fc21877cb3f3f5d67c24728f73b54e3c5ca1db?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kabelko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kabelko.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_10_10_10_2.jpg","url":"https:\/\/www.kabelko.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.kabelko.cz\/muze-byt-hypoteka-po-insolvenci-vhodna\/","about":["Online"],"wordCount":419,"articleBody":"   Zvl\u00e1\u0161t\u011b v dne\u0161n\u00ed dob\u011b se mnoho lid\u00ed snadno dostane do obt\u00ed\u017en\u00e9 finan\u010dn\u00ed situace. \u010casto je pak jedin\u00fdm \u0159e\u0161en\u00edm, jak se z n\u00ed mohou dostat, insolvence. To samoz\u0159ejm\u011b nen\u00ed n\u011bco, co bychom m\u011bli br\u00e1t na lehkou v\u00e1hu. Av\u0161ak i lid\u00e9, kte\u0159\u00ed si t\u00edmto procesem pro\u0161li, cht\u011bj\u00ed n\u011bkde bydlet. I oni toti\u017e mohou \u010dirou n\u00e1hodou narazit na nemovitost, kter\u00e1 pro n\u011b bude naprosto ide\u00e1ln\u00ed. Bohu\u017eel na ni nemaj\u00ed pen\u00edze. V takov\u00e9 chv\u00edli je samoz\u0159ejm\u011b zaj\u00edm\u00e1, zda je mo\u017en\u00e1 hypot\u00e9ka po insolvenci. A je pravdou, \u017ee ji n\u011bkter\u00e9 spole\u010dnosti nab\u00edzej\u00ed.Je pot\u0159eba nejprve jasn\u011b \u0159\u00edci, \u017ee v bance v\u00e1m ji neposkytnou. Tento typ je v\u00fdlu\u010dn\u011b dom\u00e9nou nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 se nemus\u00ed \u0159\u00eddit tak p\u0159\u00edsn\u00fdmi z\u00e1kony. Funguje jednodu\u0161e tak, \u017ee se p\u0159i schvalov\u00e1n\u00ed \u017e\u00e1dosti nebudou d\u00edvat do registru dlu\u017en\u00edk\u016f, kde v\u00e1\u0161 z\u00e1znam o insolvenci bude.To se m\u016f\u017ee zd\u00e1t jako velmi v\u00fdhodn\u00e9, av\u0161ak skr\u00fdv\u00e1 se za t\u00edm i riziko, kter\u00e9 je pot\u0159eba p\u0159ijmout. A t\u00edm je fakt, \u017ee pravd\u011bpodobn\u011b nebudeme v takov\u00e9 situaci, abychom si mohli snadno dovolit spl\u00e1tky. Mus\u00edme tedy velmi pe\u010dliv\u011b po\u010d\u00edtat, zda si onu hypot\u00e9ku m\u016f\u017eeme dovolit.Pokud bychom se toti\u017e v tomto p\u0159\u00edpad\u011b zachovali zkratkovit\u011b a hypot\u00e9ku si vzali, snadno bychom se mohli dostat do dluhov\u00e9 spir\u00e1ly. A ta by velmi rychle mohla v\u00e9st k exekuc\u00edm a zp\u011bt k insolvenci. Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee lid\u00e9, kte\u0159\u00ed t\u00edmto procesem pro\u0161li, jej rozhodn\u011b necht\u011bj\u00ed opakovat.Bohu\u017eel, pr\u00e1v\u011b tento typ hypot\u00e9ky je velk\u00fdm l\u00e1kadlem pro lidi soci\u00e1ln\u011b slab\u0161\u00ed a s ni\u017e\u0161\u00ed finan\u010dn\u00ed gramotnost\u00ed. Ti se pak velmi snadno stanou ob\u011bt\u00ed syst\u00e9mu, kdy nezvl\u00e1daj\u00ed spl\u00e1cet, zat\u00edmco \u00faroky, poplatky, pen\u00e1le a tedy i celkov\u00fd dluh st\u00e1le nar\u016fstaj\u00ed.Je proto dobr\u00e9 se zamyslet nad t\u00edm, zda i nemovitost, kter\u00e1 vypad\u00e1 jako pro n\u00e1s naprosto dokonal\u00e1, je skute\u010dn\u011b n\u011bco, co skute\u010dn\u011b pot\u0159ebujeme. Pokud se toti\u017e bez n\u00ed dok\u00e1\u017eeme obej\u00edt, bude to pro na\u0161i pen\u011b\u017eenku i celkovou finan\u010dn\u00ed situaci lep\u0161\u00ed. A v\u011b\u0159te, \u017ee \u017e\u00e1dn\u00fd d\u016fm nen\u00ed tak dokonal\u00fd, jak se na prvn\u00ed pohled jev\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u016f\u017ee b\u00fdt hypot\u00e9ka po insolvenci vhodn\u00e1?","item":"https:\/\/www.kabelko.cz\/muze-byt-hypoteka-po-insolvenci-vhodna\/#breadcrumbitem"}]}]