[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.flamendr.cz\/hypoteka-bez-registru\/#Article","mainEntityOfPage":"https:\/\/www.flamendr.cz\/hypoteka-bez-registru\/","headline":"Hypot\u00e9ka bez registru","name":"Hypot\u00e9ka bez registru","description":"Kolem pen\u011bz se to\u010d\u00ed cel\u00fd sv\u011bt. Na\u0161e spole\u010dnost je p\u0159edn\u00edm poskytovatele \u00fav\u011br\u016f v \u010cesk\u00e9 republice. Zam\u011b\u0159ujeme se na klienty […]","datePublished":"2018-12-13","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.flamendr.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.flamendr.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ee69a086fc043006d66000ff5e288b6b088fc8fa323128f3849437410a854832?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ee69a086fc043006d66000ff5e288b6b088fc8fa323128f3849437410a854832?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"flamendr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.flamendr.cz\/wp-content\/uploads\/img_a336763_w1739_t1550062787.jpg","url":"https:\/\/www.flamendr.cz\/wp-content\/uploads\/img_a336763_w1739_t1550062787.jpg","height":0,"width":0},"url":"https:\/\/www.flamendr.cz\/hypoteka-bez-registru\/","about":["Online"],"wordCount":408,"articleBody":"            Kolem pen\u011bz se to\u010d\u00ed cel\u00fd sv\u011bt. Na\u0161e spole\u010dnost je p\u0159edn\u00edm poskytovatele \u00fav\u011br\u016f v \u010cesk\u00e9 republice. Zam\u011b\u0159ujeme se na klienty s finan\u010dn\u00edmi probl\u00e9my, ale i na v\u0161echny ostatn\u00ed, kte\u0159\u00ed si k n\u00e1m p\u0159ijdou pro p\u016fj\u010dku. Jsme specialist\u00e9 na \u00fav\u011bry a nab\u00edz\u00edme i dal\u0161\u00ed finan\u010dn\u00ed slu\u017eby. Nach\u00e1z\u00edme se v soukrom\u00e9m sektoru, tak\u017ee nefungujeme jako banka. Hypot\u00e9ky bez registru jsou podnikatelsk\u00fdmi \u00fav\u011bry. Mohou si je sjedn\u00e1vat podnikatel\u00e9, firmy, OSV\u010c. Pen\u00edze se pou\u017e\u00edvaj\u00ed pro \u00fa\u010dely podnik\u00e1n\u00ed. M\u016f\u017eete s nimi zalo\u017eit \u017eivnost, podnik, novou divizi podnik\u00e1n\u00ed, m\u016f\u017eete splatit dluhy, exekuce, d\u00e1t pen\u00edze na b\u011b\u017en\u00e9 v\u00fddaje, na \u00fahrady faktur, na koupi majetku, materi\u00e1l\u016f, stroj\u016f nebo vybaven\u00ed, vy\u0159\u00eddit pot\u0159ebn\u00e9 poplatky na VZP nebo OSSZ. \u00dav\u011bry do ur\u010dit\u00e9 v\u00fd\u0161e Pojem stoprocentn\u00ed hypot\u00e9ka ji\u017e jako finan\u010dn\u00ed produkt neexistuje. V minulosti se poskytoval i tento typ \u00fav\u011bru, ale v dne\u0161n\u00ed dob\u011b ji\u017e nen\u00ed mo\u017en\u00e9 z\u00edskat tak vysokou \u010d\u00e1stku. Je to samoz\u0159ejm\u011b d\u00e1no opat\u0159en\u00edmi od \u010cesk\u00e9 N\u00e1rodn\u00ed Banky. Souvis\u00ed s t\u00edm i dal\u0161\u00ed faktory ohledn\u011b \u00fav\u011br\u016f, u kter\u00fdch ru\u010d\u00edte nemovitost\u00ed. Je mnoho podm\u00ednek, kter\u00e9 v b\u011b\u017en\u00e9 bance mus\u00edte splnit, na\u0161t\u011bst\u00ed v soukrom\u00e9m sektoru jsou n\u011bkter\u00e9 je\u0161t\u011b tolerantn\u00ed, a proto m\u016f\u017eete z\u00edskat nap\u0159\u00edklad \u00fav\u011br se z\u00e1znamem v registru nebo s n\u00edzk\u00fdm p\u0159\u00edjmem. Zn\u00e1te pojem 100% hypot\u00e9ka? Sly\u0161eli jste n\u011bkde, \u017ee se takov\u00e9to \u00fav\u011bry poskytuj\u00ed? Bohu\u017eel v\u00e1s nyn\u00ed mus\u00edme zklamat, proto\u017ee 100% hypot\u00e9ky u\u017e neexistuj\u00ed.  V roce 2016 se zm\u011bnily podm\u00ednky a tento typ \u00fav\u011bru ji\u017e nyn\u00ed neposkytujeme. Pokud jste tedy hledali p\u0159\u00edmo tento typ \u00fav\u011bru, pak ho u n\u00e1s bohu\u017eel nenajdete. V dne\u0161n\u00ed dob\u011b u\u017e nen\u00ed mo\u017en\u00e9 poskytovat takovouto v\u00fd\u0161i. V\u0161e je d\u00e1no normami \u010cNB.   Ka\u017ed\u00fd \u00fav\u011br je tedy omezen\u00fd v\u00fd\u0161\u00ed. Ur\u010ditou \u010d\u00e1stku z\u00edsk\u00e1te jak v podnikatelsk\u00e9m, tak tak\u00e9 ve spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Maxim\u00e1ln\u00ed hranice, kterou m\u016f\u017eete z\u00edskat je 70% z odhadu va\u0161\u00ed nemovitosti. Jakmile se provede odborn\u00fd odhad, m\u016f\u017eete z\u00edskat tuto maxim\u00e1ln\u00ed hodnotu. Vy\u0161\u0161\u00ed bohu\u017eel nen\u00ed mo\u017en\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka bez registru","item":"https:\/\/www.flamendr.cz\/hypoteka-bez-registru\/#breadcrumbitem"}]}]