[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.felinka.cz\/jak-na-hypoteku-po-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.felinka.cz\/jak-na-hypoteku-po-insolvenci\/","headline":"Jak na hypot\u00e9ku po insolvenci","name":"Jak na hypot\u00e9ku po insolvenci","description":"M\u00e1te za sebou insolvenci, chcete bydlet ve vlastn\u00edm a zva\u017eujete hypot\u00e9ku? Z\u00edskat hypot\u00e9ku po insolvenci nen\u00ed tak nere\u00e1ln\u00e9. I lid\u00e9 po insolvenci \u017eij\u00ed d\u00e1le a maj\u00ed pot\u0159ebu si znovu vz\u00edt...","datePublished":"2021-12-16","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.felinka.cz\/author\/#Person","name":"","url":"https:\/\/www.felinka.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"felinka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.felinka.cz\/wp-content\/uploads\/hypoteka4_10_10_10_10_10_10_5.jpg","url":"https:\/\/www.felinka.cz\/wp-content\/uploads\/hypoteka4_10_10_10_10_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.felinka.cz\/jak-na-hypoteku-po-insolvenci\/","about":["Finance"],"wordCount":403,"articleBody":"       M\u00e1te za sebou insolvenci, chcete bydlet ve vlastn\u00edm a zva\u017eujete hypot\u00e9ku? Z\u00edskat hypot\u00e9ku po insolvenci nen\u00ed tak nere\u00e1ln\u00e9. I lid\u00e9 po insolvenci \u017eij\u00ed d\u00e1le a maj\u00ed pot\u0159ebu si znovu vz\u00edt \u00fav\u011br. Bohu\u017eel v posledn\u00ed dob\u011b, je insolvence tak \u010dast\u00e1, \u017ee banky u\u017e si d\u00e1vaj\u00ed na takov\u00e9to klienty p\u0159evelik\u00fd pozor a ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f rovnou zav\u00edraj\u00ed dve\u0159e.Samoz\u0159ejmost\u00ed je, \u017ee jste pro banku rizikov\u00fd klient. Po skon\u010den\u00ed insolvence je z\u00e1znam v rejst\u0159\u00edku veden\u00fd je\u0161t\u011b 5 let. \u00dav\u011br je tedy mo\u017en\u00e9 m\u00edt po jeho v\u00fdmazu. Pro n\u011bkoho m\u016f\u017ee b\u00fdt 5 let dlouh\u00e1 doba a pot\u0159ebuje \u0159e\u0161it sv\u00e9 bydlen\u00ed ihned. M\u016f\u017eete samoz\u0159ejm\u011b zkusit v bance za\u017e\u00e1dat i p\u0159ed uplynut\u00edm t\u00e9to doby. Ka\u017ed\u00e1 banka m\u00e1 jin\u00fd syst\u00e9m schvalov\u00e1n\u00ed a nahl\u00ed\u017e\u00ed na insolvenci jinak. Z\u00e1le\u017e\u00ed, jak velk\u00fd byl dluh, kdy byl splacen a jak\u00e1 je Va\u0161e dal\u0161\u00ed historie. \u017d\u00e1dost prob\u00edh\u00e1 stejn\u011b jako u klasick\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru, jen se mus\u00ed podat \u017e\u00e1dost o v\u00fdjimku. Pot\u00e9 co se \u017e\u00e1dost takto schv\u00e1l\u00ed bude jasn\u00e9 zda \u00fav\u011br dostanete a za jak\u00fdch podm\u00ednek. Ty budou ur\u010dit\u011b hor\u0161\u00ed ne\u017e pro klienta bez insolvence. S t\u00edm mus\u00edte po\u010d\u00edtat, jeliko\u017e jste pro banku rizikov\u00fd klient, u kter\u00e9ho je velk\u00e1 pravd\u011bpodobnost \u017ee nebude spl\u00e1cet. To banka kompenzuje vysok\u00fdm \u00farokem.Pokud byste s bankou jednali p\u0159es hypote\u010dn\u00edho poradce, mohlo by to situaci pomoci. St\u00e1le je tu ale mo\u017enost, \u017ee zrovna Vy \u00fav\u011br nedostanete, dokud nebude proveden v\u00fdmaz z rejst\u0159\u00edku. Pokud by V\u00e1m \u00fav\u011br neposkytla bankovn\u00ed ani nebankovn\u00ed spole\u010dnost, m\u016f\u017ee na sebe vz\u00edt \u00fav\u011br jin\u00fd \u010dlen rodiny a v\u00fdmazu z rejst\u0159\u00edku se hypote\u010dn\u00ed \u00fav\u011br p\u0159evede na V\u00e1s. I kdy\u017e by tato transakce byla v r\u00e1mci rodiny je dobr\u00e9 m\u00edt to podlo\u017een\u00e9 smlouvou, \u017ee tak u\u010din\u00edte.Za\u010dn\u011bte tedy t\u00edm, \u017ee si najdete dobr\u00e9ho finan\u010dn\u00edho poradce, ten s V\u00e1mi probere V\u0161e mo\u017enosti a pom\u016f\u017ee V\u00e1m s \u017e\u00e1dost\u00ed a p\u0159\u00edpadnou v\u00fdjimkou. Pokud by to nedopadlo, zkuste se obr\u00e1tit na rodinu.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak na hypot\u00e9ku po insolvenci","item":"https:\/\/www.felinka.cz\/jak-na-hypoteku-po-insolvenci\/#breadcrumbitem"}]}]