[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zpraku.cz\/proc-banky-zamitaji-zadosti-o-americkou-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.zpraku.cz\/proc-banky-zamitaji-zadosti-o-americkou-hypoteku\/","headline":"Pro\u010d banky zam\u00edtaj\u00ed \u017e\u00e1dosti o americkou hypot\u00e9ku?","name":"Pro\u010d banky zam\u00edtaj\u00ed \u017e\u00e1dosti o americkou hypot\u00e9ku?","description":"Existuj\u00ed t\u0159i z\u00e1kladn\u00ed d\u016fvody, pro\u010d banky odm\u00edtaj\u00ed sv\u00e9 \u017eadatele. Na\u0161t\u011bst\u00ed m\u00e1te st\u00e1le mo\u017enost \u00fav\u011br na koupi \u010di stavbu nemovitosti, anebo na rekonstrukci z\u00edskat. A nejen to. Americk\u00e1 hypot\u00e9ka bez registru je \u0161anc\u00ed nejen pro ty, kte\u0159\u00ed si cht\u011bj\u00ed po\u0159\u00eddit nov\u00e9 auto, ale tak\u00e9 pro ty, kte\u0159\u00ed maj\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. To pr\u00e1v\u011b b\u00fdv\u00e1 jeden […]","datePublished":"2019-09-20","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.zpraku.cz\/author\/#Person","name":"","url":"https:\/\/www.zpraku.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zpraku.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zpraku.cz\/wp-content\/uploads\/img_a365987_w2331_t1578585078.jpg","url":"https:\/\/www.zpraku.cz\/wp-content\/uploads\/img_a365987_w2331_t1578585078.jpg","height":0,"width":0},"url":"https:\/\/www.zpraku.cz\/proc-banky-zamitaji-zadosti-o-americkou-hypoteku\/","about":["Pen\u00edze"],"wordCount":413,"articleBody":"     Existuj\u00ed t\u0159i z\u00e1kladn\u00ed d\u016fvody, pro\u010d banky odm\u00edtaj\u00ed sv\u00e9 \u017eadatele. Na\u0161t\u011bst\u00ed m\u00e1te st\u00e1le mo\u017enost \u00fav\u011br na koupi \u010di stavbu nemovitosti, anebo na rekonstrukci z\u00edskat. A nejen to. Americk\u00e1 hypot\u00e9ka bez registru je \u0161anc\u00ed nejen pro ty, kte\u0159\u00ed si cht\u011bj\u00ed po\u0159\u00eddit nov\u00e9 auto, ale tak\u00e9 pro ty, kte\u0159\u00ed maj\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. To pr\u00e1v\u011b b\u00fdv\u00e1 jeden z d\u016fvod\u016f odm\u00edtnut\u00ed ze strany klasick\u00e9 banky.  Negativn\u00ed registr dlu\u017en\u00edk\u016f Jm\u00e9no klienta v registru klientsk\u00fdch informac\u00ed \u017e\u00e1dn\u00e1 banka vid\u011bt nechce. V p\u0159\u00edpad\u011b, \u017ee jste \u017e\u00e1dost podali sami, m\u00e1te dv\u011b mo\u017enosti: z\u00e1stava jedn\u00e9 nemovitosti nav\u00edc, zapsat jako hlavn\u00edho \u017eadatele jinou osobu. U prvn\u00edho bodu se spole\u010dnosti sn\u00ed\u017e\u00ed riziko, \u017ee nez\u00edsk\u00e1 sv\u00e9 finance zp\u011bt. U druh\u00e9ho byste se museli st\u00e1t pouze p\u0159idru\u017eenou osobou, kter\u00e1 nemus\u00ed dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy. Hlavn\u00ed osobou ve smlouv\u011b by musel b\u00fdt nap\u0159. partner nebo rodinn\u00fd p\u0159\u00edslu\u0161n\u00edk. Nep\u0159ich\u00e1z\u00ed ani jedno v \u00favahu? vyu\u017eijte slu\u017eeb nebankovn\u00edch instituc\u00ed, kter\u00e9 doklady a minulost klient\u016f nezaj\u00edm\u00e1. Nem\u00e1te dost na\u0161et\u0159eno N\u00edzk\u00e1 hodnota vlastn\u00edch zdroj\u016f je velk\u00fdm probl\u00e9mem. V r\u00e1mci hypot\u00e9ky toti\u017e nikdy nez\u00edsk\u00e1te 100 procent z odhadu z nemovitosti. Mus\u00edte m\u00edt proto alespo\u0148 15 a\u017e 20 procent d\u00e1t ze sv\u00e9ho. Jednou mo\u017enost\u00ed je po\u010dkat si a p\u00e1r let pravideln\u011b \u0161et\u0159it. Anebo si p\u016fj\u010dit pot\u0159ebn\u00e9 pen\u00edze od zn\u00e1m\u00fdch nebo p\u0159\u00edbuzn\u00fdch. Tak to koneckonc\u016f \u0159e\u0161\u00ed valn\u00e1 v\u011bt\u0161ina z t\u011bch, kte\u0159\u00ed po vlastn\u00edm domov\u011b tou\u017e\u00ed.  N\u00edzk\u00e9 p\u0159\u00edjmy Pr\u00e1v\u011b tento bod ji\u017e v minul\u00e9m roce potr\u00e1pil mnoho lid\u00ed. Podm\u00ednky se toti\u017e zp\u0159\u00edsnily a spousta lid\u00ed tak na \u00fav\u011br nedos\u00e1hla. \u0158e\u0161en\u00ed je n\u011bkolik, a to: z\u00e1stava dal\u0161\u00edho majetku, prodlou\u017een\u00ed d\u00e9lky splatnosti cel\u00e9ho \u00fav\u011bru, p\u0159izv\u00e1n\u00edm dal\u0161\u00ed osoby do smlouvy. Ide\u00e1ln\u00edm je p\u0159ipsat dal\u0161\u00edho jedince s dostate\u010dn\u00fdm p\u0159\u00edjmem, proto\u017ee t\u00edm m\u016f\u017eete splnit pot\u0159ebn\u00fd koeficient. Prodlou\u017een\u00edm splatnosti se zase sn\u00ed\u017e\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. D\u00edky tomu nebudete muset m\u00edt tak vysokou bonitu. Budete jen hradit \u00fav\u011br o n\u011bco d\u00e9le.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d banky zam\u00edtaj\u00ed \u017e\u00e1dosti o americkou hypot\u00e9ku?","item":"https:\/\/www.zpraku.cz\/proc-banky-zamitaji-zadosti-o-americkou-hypoteku\/#breadcrumbitem"}]}]