[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.polsepa.cz\/rozdil-mezi-bankovni-a-nebankovni-hypotekou\/#Article","mainEntityOfPage":"https:\/\/www.polsepa.cz\/rozdil-mezi-bankovni-a-nebankovni-hypotekou\/","headline":"Rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed hypot\u00e9kou","name":"Rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed hypot\u00e9kou","description":"Pokud pot\u0159ebujete hypot\u00e9ku, p\u0159irozen\u011b zam\u00ed\u0159\u00edte jako prvn\u00ed do banky. Tam si pod\u00e1te \u017e\u00e1dost a po\u010dk\u00e1te, jestli v\u00e1m banka \u017e\u00e1dost schv\u00e1l\u00ed. Co\u017e bohu\u017eel nen\u00ed samoz\u0159ejmost. D\u0159\u00edve bylo jednodu\u0161\u00ed, aby lid\u00e9 z\u00edskali hypot\u00e9ku. Podm\u00ednky pro z\u00edsk\u00e1n\u00ed nebyly tak p\u0159\u00edsn\u00e9. Ale nyn\u00ed je pro mnoho lid\u00ed t\u00e9m\u011b\u0159 nemo\u017en\u00e9 z\u00edskat hypot\u00e9ku od sv\u00e9 banky. Pro takov\u00e9 lidi je mo\u017enost\u00ed […]","datePublished":"2025-12-19","dateModified":"2025-12-19","author":{"@type":"Person","@id":"https:\/\/www.polsepa.cz\/author\/#Person","name":"","url":"https:\/\/www.polsepa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f677d652d46d6437b40497bee38030612d53a3103b24904f519be33cae485306?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"polsepa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.polsepa.cz\/wp-content\/uploads\/todd-kent-178j8tJrNlc-unsplash_4.jpg","url":"https:\/\/www.polsepa.cz\/wp-content\/uploads\/todd-kent-178j8tJrNlc-unsplash_4.jpg","height":0,"width":0},"url":"https:\/\/www.polsepa.cz\/rozdil-mezi-bankovni-a-nebankovni-hypotekou\/","about":["Pen\u00edze"],"wordCount":389,"articleBody":"      Pokud pot\u0159ebujete hypot\u00e9ku, p\u0159irozen\u011b zam\u00ed\u0159\u00edte jako prvn\u00ed do banky. Tam si pod\u00e1te \u017e\u00e1dost a po\u010dk\u00e1te, jestli v\u00e1m banka \u017e\u00e1dost schv\u00e1l\u00ed. Co\u017e bohu\u017eel nen\u00ed samoz\u0159ejmost. D\u0159\u00edve bylo jednodu\u0161\u00ed, aby lid\u00e9 z\u00edskali hypot\u00e9ku. Podm\u00ednky pro z\u00edsk\u00e1n\u00ed nebyly tak p\u0159\u00edsn\u00e9. Ale nyn\u00ed je pro mnoho lid\u00ed t\u00e9m\u011b\u0159 nemo\u017en\u00e9 z\u00edskat hypot\u00e9ku od sv\u00e9 banky. Pro takov\u00e9 lidi je mo\u017enost\u00ed je\u0161t\u011b nebankovn\u00ed hypot\u00e9ka. Tu vyu\u017e\u00edvaj\u00ed lid\u00e9 zejm\u00e9na v p\u0159\u00edpadech, kdy je banka odm\u00edtne. Pod\u00edvejme se, jak\u00e9 rozd\u00edly mezi t\u011bmito dv\u011bma hypot\u00e9kami jsou.Bankovn\u00ed hypot\u00e9ka je poskytov\u00e1na bankou. Jedn\u00e1 se o \u00fav\u011br, kter\u00fd je zaji\u0161t\u011bn\u00fd va\u0161\u00ed nemovitost\u00ed. Banky maj\u00ed sv\u00e1 p\u0159\u00edsn\u00e1 pravidla a pevn\u00e9 podm\u00ednky schvalov\u00e1n\u00ed. U banky je v\u00fdhodou n\u00edzk\u00e1 \u00farokov\u00e1 sazba, kter\u00e1 se v\u00e1m bude opravdu hodit vzhledem k tomu, \u017ee splatnost je dlouh\u00e1. A\u017e 30 let. U bankovn\u00ed hypot\u00e9ky je v\u017edy nutnost dolo\u017eit v\u0161echny va\u0161e p\u0159\u00edjmy, ale tak\u00e9 se zkoumaj\u00ed va\u0161e v\u00fddaje. T\u0159eba dal\u0161\u00ed \u00fav\u011bry. Banky si tak\u00e9 kontroluj\u00ed \u00fav\u011brov\u00e9 registry. U bankovn\u00ed hypot\u00e9ky je tak\u00e9 del\u0161\u00ed schvalovac\u00ed proces, sp\u00ed\u0161e po\u010d\u00edtejte s d\u00e9lkou a\u017e n\u011bkolik t\u00fddn\u016f.Je to ale ide\u00e1ln\u00ed volba pro klienty, kte\u0159\u00ed maj\u00ed stabiln\u00ed p\u0159\u00edjmy, \u010dist\u00ed registr dluh\u016f a maj\u00ed pro banku dostate\u010dnou bonitu.A co nebankovn\u00ed hypot\u00e9ka? Nebankovn\u00ed hypot\u00e9ka je \u00fav\u011br, kter\u00fd je zaji\u0161t\u011bn\u00fd nemovitost\u00ed, je\u017e poskytuje nebankovn\u00ed spole\u010dnost. Ty ale nepodl\u00e9haj\u00ed stejn\u00fdm pravidl\u016fm, jako banky a proto jsou v posuzov\u00e1n\u00ed va\u0161\u00ed \u017e\u00e1dosti mnohem flexibiln\u011bj\u0161\u00ed. \u00darokov\u00e1 sazba b\u00fdv\u00e1 vy\u0161\u0161\u00ed, ale nejedn\u00e1 se o \u017e\u00e1dn\u00e9 drastick\u00e9 zv\u00fd\u0161en\u00ed. U dobr\u00fdch nebankovn\u00edch spole\u010dnost\u00ed si m\u016f\u017eete tak\u00e9 nastavit d\u00e9lku splatnosti a\u017e 30 let. Va\u0161e bonita bude m\u00edrn\u011bji posuzov\u00e1na, m\u00e1te mo\u017enost nebankovn\u00ed hypot\u00e9ku z\u00edskat i v p\u0159\u00edpad\u011b, \u017ee m\u00e1te z\u00e1znam v registru dlu\u017en\u00edk\u016f. Proces schvalov\u00e1n\u00ed je tak\u00e9 daleko rychlej\u0161\u00ed, nebankovn\u00ed hypot\u00e9ku m\u016f\u017eete m\u00edt schv\u00e1lenou b\u011bhem n\u011bkolika p\u00e1r dn\u016f. Je vhodn\u00e1 tedy v p\u0159\u00edpad\u011b, kdy pot\u0159ebujete rychle pen\u00edze.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rozd\u00edl mezi bankovn\u00ed a nebankovn\u00ed hypot\u00e9kou","item":"https:\/\/www.polsepa.cz\/rozdil-mezi-bankovni-a-nebankovni-hypotekou\/#breadcrumbitem"}]}]