[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcky-uvery-a-hypoteky-z-ceho-muzete-vybirat\/#Article","mainEntityOfPage":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcky-uvery-a-hypoteky-z-ceho-muzete-vybirat\/","headline":"P\u016fj\u010dky, \u00fav\u011bry a hypot\u00e9ky. Z \u010deho m\u016f\u017eete vyb\u00edrat?","name":"P\u016fj\u010dky, \u00fav\u011bry a hypot\u00e9ky. Z \u010deho m\u016f\u017eete vyb\u00edrat?","description":"Na finan\u010dn\u00edm trhu je nespo\u010det mo\u017enost\u00ed, kde, od koho, kolik a za jak\u00fdch podm\u00ednek si p\u016fj\u010dit pen\u00edze prakticky na cokoli. Pod\u00edvejme se na to, jak\u00e9 druhy p\u016fj\u010dek existuj\u00ed, proto\u017ee pro spoustu lid\u00ed to m\u016f\u017ee b\u00fdt hodn\u011b matouc\u00ed. Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dky Z\u00e1kladn\u00edm parametrem je to, kde si p\u016fj\u010dku, \u00fav\u011br \u010di hypot\u00e9ku m\u016f\u017eete sjednat. Existuj\u00ed jak […]","datePublished":"2025-03-04","dateModified":"2025-03-04","author":{"@type":"Person","@id":"https:\/\/www.esfr.cz\/author\/#Person","name":"","url":"https:\/\/www.esfr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esfr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esfr.cz\/wp-content\/uploads\/img_a308446_w1681_t1519492712.jpg","url":"https:\/\/www.esfr.cz\/wp-content\/uploads\/img_a308446_w1681_t1519492712.jpg","height":0,"width":0},"url":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcky-uvery-a-hypoteky-z-ceho-muzete-vybirat\/","wordCount":472,"articleBody":"  Na finan\u010dn\u00edm trhu je nespo\u010det mo\u017enost\u00ed, kde, od koho, kolik a za jak\u00fdch podm\u00ednek si p\u016fj\u010dit pen\u00edze prakticky na cokoli. Pod\u00edvejme se na to, jak\u00e9 druhy p\u016fj\u010dek existuj\u00ed, proto\u017ee pro spoustu lid\u00ed to m\u016f\u017ee b\u00fdt hodn\u011b matouc\u00ed. Bankovn\u00ed vs. nebankovn\u00ed p\u016fj\u010dky Z\u00e1kladn\u00edm parametrem je to, kde si p\u016fj\u010dku, \u00fav\u011br \u010di hypot\u00e9ku m\u016f\u017eete sjednat. Existuj\u00ed jak bankovn\u00ed instituce, kter\u00e9 maj\u00ed ka\u017ed\u00e1 sv\u00e9 podm\u00ednky pro p\u0159ijet\u00ed \u017e\u00e1dosti o p\u016fj\u010dku a nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou mnohem tolerantn\u011bj\u0161\u00ed ne\u017e banky. Nebankovn\u00ed spole\u010dnosti v\u011bt\u0161inou nezaj\u00edm\u00e1 va\u0161e \u00fav\u011brov\u00e1 minulost, nebo z\u00e1pis z registru dlu\u017en\u00edk\u016f. A \u010dasto ani va\u0161e p\u0159\u00edjmy. Z\u00e1kladem je dozv\u011bd\u011bt se co nejv\u011bt\u0161\u00ed mno\u017estv\u00ed informac\u00ed , a to ide\u00e1ln\u011b je\u0161t\u011b p\u0159ed \u017e\u00e1dost\u00ed o p\u016fj\u010dku \u010di hypot\u00e9ku. Kr\u00e1tkodob\u00e9 vs. dlouhodob\u00e9 p\u016fj\u010dky Velice popul\u00e1rn\u00ed jsou posledn\u00ed dobou mal\u00e9 p\u016fj\u010dky p\u0159ed v\u00fdplatou, kter\u00e9 jsou v\u011bt\u0161inou do 15 000 K\u010d a z\u00edsk\u00e1te je bez jak\u00e9hokoli prov\u011b\u0159ov\u00e1n\u00ed minulosti nebo p\u0159\u00edjm\u016f. Naopak dlouhodob\u00e9 p\u016fj\u010dky se pohybuj\u00ed v \u0159\u00e1dech desetitis\u00edc\u016f, podle statistik se v \u010cesk\u00e9 republice jedn\u00e1 zhruba o \u010d\u00e1stku 80 000 K\u010d. Americk\u00e1 \u2013 Australsk\u00e1 \u2013 Japonsk\u00e1 p\u016fj\u010dka Stejn\u011b jako se roztrhl pytel s rychl\u00fdmi a mal\u00fdmi p\u016fj\u010dkami p\u0159ed v\u00fdplatou, p\u0159ibyly tak\u00e9 dal\u0161\u00ed typy p\u016fj\u010dek. A\u0165 u\u017e se jedn\u00e1 o americkou, australskou \u010di japonskou p\u016fj\u010dku, jedn\u00e1 se o druhy \u00fav\u011br\u016f a hypot\u00e9k, kter\u00e9 maj\u00ed zvl\u00e1\u0161tn\u00ed a zv\u00fdhodn\u011bn\u00e1 krit\u00e9ria pro schv\u00e1len\u00ed. U americk\u00e9 hypot\u00e9ky se nap\u0159\u00edklad jedn\u00e1 o hypot\u00e9ku se z\u00e1stavou nemovitosti, tedy p\u016fj\u010den\u00ed pen\u011bz oproti z\u00e1stav\u011b nemovitosti v minim\u00e1ln\u00ed hodnot\u011b p\u016fj\u010den\u00e9 \u010d\u00e1stky. Co d\u011blat, kdy\u017e nejste p\u0159\u00edli\u0161 solventn\u00ed? V\u0161echny banky maj\u00ed pom\u011brn\u011b vysok\u00e9 n\u00e1roky na bonitu (solventnost) sv\u00fdch klient\u016f. Pokud ji\u017e za sebou m\u00e1te v\u011bt\u0161\u00ed po\u010det p\u016fj\u010dek, va\u0161e jm\u00e9no se objevuje v registru dlu\u017en\u00edk\u016f, nebo nem\u00e1te p\u0159\u00edli\u0161 vysok\u00e9 p\u0159\u00edjmy, kter\u00e9 by banku odradili, m\u00e1te i jin\u00e9 mo\u017enosti. Jednou z nich jsou nebankovn\u00ed spole\u010dnosti, kter\u00e9 tyto informace \u010dasto nezaj\u00edmaj\u00ed, nebo maj\u00ed alespo\u0148 ni\u017e\u0161\u00ed n\u00e1roky. Existuj\u00ed tak\u00e9 specifick\u00e9 p\u016fj\u010dky zam\u011b\u0159en\u00e9 na klienty, kte\u0159\u00ed necht\u011bj\u00ed dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy, stejn\u011b jako p\u016fj\u010dky bez registru. P\u016fj\u010dka bez registru je ur\u010dena t\u011bm, kte\u0159\u00ed jsou zaps\u00e1ni v n\u011bkter\u00e9m z registr\u016f dlu\u017en\u00edk\u016f, co\u017e je pro poskytovatele p\u016fj\u010dky v\u011bt\u0161inou velk\u00e1 stopka.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dum A Zahrada","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"P\u016fj\u010dky, \u00fav\u011bry a hypot\u00e9ky. Z \u010deho m\u016f\u017eete vyb\u00edrat?","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcky-uvery-a-hypoteky-z-ceho-muzete-vybirat\/#breadcrumbitem"}]}]