[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dempsey.cz\/rizika-hypoteky-bez-dolozeni-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.dempsey.cz\/rizika-hypoteky-bez-dolozeni-prijmu\/","headline":"Rizika hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f","name":"Rizika hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f","description":"Pokud m\u00e1te nepravideln\u00e9 v\u00fdd\u011blky, podnik\u00e1te nebo m\u00e1te z\u00e1znam v registrech, m\u016f\u017ee b\u00fdt pro v\u00e1s mnohem t\u011b\u017e\u0161\u00ed dos\u00e1hnout na hypot\u00e9ku. Existuj\u00ed ale nebankovn\u00ed hypot\u00e9ky, kter\u00e9 jsou dostupn\u00e9 i pro ty, kte\u0159\u00ed maj\u00ed probl\u00e9my se sv\u00fdmi p\u0159\u00edjmy. M\u016f\u017ee to b\u00fdt \u0159e\u0161en\u00ed pro n\u011bkoho, kdo nutn\u011b pot\u0159ebuje pen\u00edze, ale banka mu nep\u016fj\u010d\u00ed pr\u00e1v\u011b z d\u016fvodu z\u00e1znamu v registru, n\u00edzk\u00e9ho p\u0159\u00edjmu, exekuce nebo podobn\u00fdch <a class=\"read-more\" href=\"https:\/\/www.dempsey.cz\/rizika-hypoteky-bez-dolozeni-prijmu\/\">Read More<\/a>","datePublished":"2026-04-23","dateModified":"2026-04-23","author":{"@type":"Person","@id":"https:\/\/www.dempsey.cz\/author\/#Person","name":"","url":"https:\/\/www.dempsey.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cc56039f878f8e8e6c7e1eb22b366a601f7187d0f8d182368eef8adef545f35b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cc56039f878f8e8e6c7e1eb22b366a601f7187d0f8d182368eef8adef545f35b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dempsey.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dempsey.cz\/wp-content\/uploads\/alexander-mils-lCPhGxs7pww-unsplash_9.jpg","url":"https:\/\/www.dempsey.cz\/wp-content\/uploads\/alexander-mils-lCPhGxs7pww-unsplash_9.jpg","height":0,"width":0},"url":"https:\/\/www.dempsey.cz\/rizika-hypoteky-bez-dolozeni-prijmu\/","about":["Produkty"],"wordCount":418,"articleBody":"       Pokud m\u00e1te nepravideln\u00e9 v\u00fdd\u011blky, podnik\u00e1te nebo m\u00e1te z\u00e1znam v registrech, m\u016f\u017ee b\u00fdt pro v\u00e1s mnohem t\u011b\u017e\u0161\u00ed dos\u00e1hnout na hypot\u00e9ku. Existuj\u00ed ale nebankovn\u00ed hypot\u00e9ky, kter\u00e9 jsou dostupn\u00e9 i pro ty, kte\u0159\u00ed maj\u00ed probl\u00e9my se sv\u00fdmi p\u0159\u00edjmy. M\u016f\u017ee to b\u00fdt \u0159e\u0161en\u00ed pro n\u011bkoho, kdo nutn\u011b pot\u0159ebuje pen\u00edze, ale banka mu nep\u016fj\u010d\u00ed pr\u00e1v\u011b z d\u016fvodu z\u00e1znamu v registru, n\u00edzk\u00e9ho p\u0159\u00edjmu, exekuce nebo podobn\u00fdch mo\u017enost\u00ed. Ale takov\u00e1 hypot\u00e9ka samoz\u0159ejm\u011b nen\u00ed bez rizika a vy si mus\u00edte d\u00e1vat pozor daleko v\u00edce, ne\u017e kdybyste si brali klasickou hypot\u00e9ku od sv\u00e9 banky.Obvykle u takov\u00fdch hypot\u00e9k b\u00fdv\u00e1 \u00farok o n\u011bco vy\u0161\u0161\u00ed, ne\u017e u banky a tak\u00e9 RPSN m\u016f\u017ee b\u00fdt v\u00fdrazn\u011b vy\u0161\u0161\u00ed. Ve fin\u00e1le pak hypot\u00e9ku dost p\u0159eplat\u00edte, ale je to logick\u00e9. Jste rizikov\u00fd klient a spole\u010dnost se t\u00edmto chr\u00e1n\u00ed. Je to jakoby provize za to, \u017ee v\u00e1m poskytnou hypot\u00e9ku i za podm\u00ednek, kdy by to ka\u017ed\u00fd jin\u00fd odm\u00edtl.U takov\u00e9 hypot\u00e9ky je t\u00e9m\u011b\u0159 v\u017edy podm\u00ednkou z\u00e1stava nemovitosti. To znamen\u00e1, \u017ee pokud p\u0159estanete hypot\u00e9ku spl\u00e1cet, m\u016f\u017eete p\u0159ij\u00edt o svou nemovitost. A to je samoz\u0159ejm\u011b probl\u00e9m. Jestli\u017ee m\u00e1te nedostate\u010dn\u00e9 p\u0159\u00edjmy nebo m\u00e1te dluhy, m\u00e1te taky samoz\u0159ejm\u011b v\u011bt\u0161\u00ed riziko, \u017ee se dostanete do probl\u00e9m\u016f se spl\u00e1cen\u00edm.U nebankovn\u00ed hypot\u00e9ky m\u016f\u017eete \u010dasto vid\u011bt tak\u00e9 krat\u0161\u00ed dobu splatnosti. A t\u00edm p\u00e1dem jsou vy\u0161\u0161\u00ed i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Ty mohou ve fin\u00e1le opravdu po\u0159\u00e1dn\u011b zat\u00ed\u017eit v\u00e1\u0161 rozpo\u010det, hlavn\u011b, pokud nem\u00e1te ka\u017ed\u00fd m\u011bs\u00edc stejn\u00fd p\u0159\u00edjem a t\u011b\u017eko se v\u00e1m po\u010d\u00edt\u00e1, jestli takovou hypot\u00e9ku dok\u00e1\u017eete ut\u00e1hnout.Pokud o takov\u00e9 hypot\u00e9ce uva\u017eujete, ur\u010dit\u011b si porovnejte v\u00edce nab\u00eddek. A nejl\u00e9pe m\u011bjte n\u011bjakou finan\u010dn\u00ed rezervu, kter\u00e1 v\u00e1m m\u016f\u017ee pomoci, pokud byste se dostali do probl\u00e9m\u016f se spl\u00e1cen\u00edm. Ale nebojte. Existuj\u00ed i f\u00e9rov\u00e9 nebankovn\u00ed hypot\u00e9ky bez registru, kdy m\u016f\u017eete z\u00edskat podobn\u00e9 podm\u00ednky, jako kdybyste si brali hypot\u00e9ku v bance. Dlouhou dobu spl\u00e1cen\u00ed, rozumn\u011b nastaven\u00e9 spl\u00e1tky, uch\u00e1zej\u00edc\u00ed \u00farok a f\u00e9rov\u00e9 jedn\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rizika hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjm\u016f","item":"https:\/\/www.dempsey.cz\/rizika-hypoteky-bez-dolozeni-prijmu\/#breadcrumbitem"}]}]