[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chiki.cz\/jak-je-to-s-hypotekou-bez-dokladani-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.chiki.cz\/jak-je-to-s-hypotekou-bez-dokladani-prijmu\/","headline":"Jak je to s hypot\u00e9kou bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f?","name":"Jak je to s hypot\u00e9kou bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f?","description":"Ka\u017ed\u00fd, kdo p\u00e1tr\u00e1 po hypot\u00e9ce bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, to d\u011bl\u00e1 pr\u00e1v\u011b proto, \u017ee v bance nepochodil kv\u016fli n\u00edzk\u00e9 bonit\u011b. Takov\u00fd \u010dlov\u011bk se pak jednodu\u0161e domn\u00edv\u00e1, \u017ee jeho p\u0159\u00edjmy jsou p\u0159\u00edli\u0161 n\u00edzk\u00e9 proto, aby mohl \u017e\u00e1dat o b\u011b\u017enou hypot\u00e9ku, o b\u011b\u017en\u00fd typ \u00fav\u011bru. Nicm\u00e9n\u011b to, \u017ee banka o va\u0161ich p\u0159\u00edjmech tvrd\u00ed, \u017ee jsou pro va\u0161i p\u016fj\u010dku […]","datePublished":"2019-09-21","dateModified":"2019-09-21","author":{"@type":"Person","@id":"https:\/\/www.chiki.cz\/author\/#Person","name":"","url":"https:\/\/www.chiki.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chiki.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chiki.cz\/wp-content\/uploads\/img_a343716_w3185_t1556883785.jpg","url":"https:\/\/www.chiki.cz\/wp-content\/uploads\/img_a343716_w3185_t1556883785.jpg","height":0,"width":0},"url":"https:\/\/www.chiki.cz\/jak-je-to-s-hypotekou-bez-dokladani-prijmu\/","about":["Web"],"wordCount":427,"articleBody":"    Ka\u017ed\u00fd, kdo p\u00e1tr\u00e1 po hypot\u00e9ce bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, to d\u011bl\u00e1 pr\u00e1v\u011b proto, \u017ee v bance nepochodil kv\u016fli n\u00edzk\u00e9 bonit\u011b. Takov\u00fd \u010dlov\u011bk se pak jednodu\u0161e domn\u00edv\u00e1, \u017ee jeho p\u0159\u00edjmy jsou p\u0159\u00edli\u0161 n\u00edzk\u00e9 proto, aby mohl \u017e\u00e1dat o b\u011b\u017enou hypot\u00e9ku, o b\u011b\u017en\u00fd typ \u00fav\u011bru. Nicm\u00e9n\u011b to, \u017ee banka o va\u0161ich p\u0159\u00edjmech tvrd\u00ed, \u017ee jsou pro va\u0161i p\u016fj\u010dku nedostate\u010dn\u00e9, je\u0161t\u011b ani zdaleka nemus\u00ed znamenat, \u017ee tomu tak skute\u010dn\u011b je.  Co takov\u00e1 bonita vlastn\u011b znamen\u00e1 a o \u010dem vypov\u00edd\u00e1? Jakmile po\u017e\u00e1d\u00e1te o p\u016fj\u010dku v klasick\u00e9m bankovn\u00edm dom\u011b, budou tam posuzovat va\u0161i bonitu, tedy to, zda budete schopni po\u017eadovan\u00fd \u00fav\u011br spl\u00e1cet. Pro takov\u00e9 posouzen\u00ed je tedy nezbytn\u00e9 zn\u00e1t v\u00fd\u0161i va\u0161ich p\u0159\u00edjm\u016f, a tak\u00e9 va\u0161e v\u00fddaje. Sv\u00e9 pravideln\u00e9 p\u0159\u00edjmy, kter\u00e9 do va\u0161eho rozpo\u010dtu plynou pravideln\u011b ka\u017ed\u00fd m\u011bs\u00edc, budete muset nezbytn\u011b pe\u010dliv\u011b dolo\u017eit. Je jedno, zda jde o v\u00e1\u0161 pravideln\u00fd plat, mzdu anebo t\u0159eba p\u0159\u00edjmy z pron\u00e1jmu, \u010di o soci\u00e1ln\u00ed d\u00e1vku \u2013 v\u0161e, co je trval\u00e9 a prokazateln\u00e9 se po\u010d\u00edt\u00e1. Pokud jde o va\u0161e v\u00fddaje, tak tady u\u017e to b\u00fdv\u00e1 jin\u00e9. I kdy\u017e dolo\u017e\u00edte, jak jste spo\u0159iv\u00ed a jak m\u00e1lo utrat\u00edte, banka v\u00e1m stejn\u011b ode\u010dte minim\u00e1ln\u011b \u010dty\u0159icet procent va\u0161ich p\u0159\u00edjm\u016f, kter\u00e9 pova\u017eujete za nezbytn\u00e9 minim\u00e1ln\u00ed v\u00fddaje v\u0161ech lid\u00ed. A pr\u00e1v\u011b tady nast\u00e1v\u00e1 probl\u00e9m \u2013 mnoz\u00ed lid\u00e9 ve skute\u010dnosti utrat\u00ed m\u00e9n\u011b a uspo\u0159\u00ed v\u00edce. To ov\u0161em \u017e\u00e1dnou banku nezaj\u00edm\u00e1.  Av\u0161ak nebankovn\u00ed spole\u010dnost to zaj\u00edmat bude. Tak\u017ee jestli\u017ee m\u00e1te pot\u00ed\u017ee s p\u016fj\u010dkou v bance, sjednejte si tu nebankovn\u00ed. V nebankovn\u00ed spole\u010dnosti se v\u00e1m budou v\u011bnovat individu\u00e1ln\u011b, sestav\u00ed v\u00e1m \u00fav\u011br na m\u00edru a jeho podm\u00ednky budou takov\u00e9, aby v\u00e1m maxim\u00e1ln\u011b vych\u00e1zely vst\u0159\u00edc. Tak\u017ee pokud m\u00e1te opravdu ni\u017e\u0161\u00ed p\u0159\u00edjem, m\u016f\u017eete m\u00edt dobu spl\u00e1cen\u00ed nastavenou a\u017e na dlouh\u00fdch t\u0159icet let, abyste mohli spl\u00e1cet po opravdu mal\u00fdch \u010d\u00e1stk\u00e1ch, kter\u00e9 v\u00e1\u0161 dom\u00e1c\u00ed rozpo\u010det nijak v\u00fdrazn\u011b nezat\u00ed\u017e\u00ed. Nav\u00edc, kdy\u017e se v\u00e1m bude da\u0159it, m\u016f\u017eete celou \u010d\u00e1stku klidn\u011b p\u0159ed\u010dasn\u011b doplatit, a to bez zbyte\u010dn\u00e9ho pen\u00e1le.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak je to s hypot\u00e9kou bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f?","item":"https:\/\/www.chiki.cz\/jak-je-to-s-hypotekou-bez-dokladani-prijmu\/#breadcrumbitem"}]}]