[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.codalan.cz\/americka-hypoteka-a-jeste-bez-potvrzeni-o-prijmech\/#Article","mainEntityOfPage":"https:\/\/www.codalan.cz\/americka-hypoteka-a-jeste-bez-potvrzeni-o-prijmech\/","headline":"Americk\u00e1 hypot\u00e9ka a je\u0161t\u011b bez potvrzen\u00ed o p\u0159\u00edjmech?","name":"Americk\u00e1 hypot\u00e9ka a je\u0161t\u011b bez potvrzen\u00ed o p\u0159\u00edjmech?","description":"Asi jen t\u011b\u017eko se v\u011b\u0159\u00ed tomu, \u017ee by v\u00e1m n\u011bkdo p\u016fj\u010dil pen\u00edze bez toho, abyste museli p\u0159in\u00e9st potvrzen\u00ed o v\u00fd\u0161i … ","datePublished":"2017-01-17","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.codalan.cz\/author\/#Person","name":"codalan.cz\n","url":"https:\/\/www.codalan.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"codalan.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/codalan.cz\/wp-content\/uploads\/img_a304919_w1893_t1516174273.png","url":"https:\/\/codalan.cz\/wp-content\/uploads\/img_a304919_w1893_t1516174273.png","height":"","width":""},"url":"https:\/\/www.codalan.cz\/americka-hypoteka-a-jeste-bez-potvrzeni-o-prijmech\/","about":["Neza\u0159azen\u00e9"],"wordCount":425,"articleBody":"      Asi jen t\u011b\u017eko se v\u011b\u0159\u00ed tomu, \u017ee by v\u00e1m n\u011bkdo p\u016fj\u010dil pen\u00edze bez toho, abyste museli p\u0159in\u00e9st potvrzen\u00ed o v\u00fd\u0161i sv\u00e9ho platu. V bank\u00e1ch je to toti\u017e prvn\u00ed podm\u00ednka, kter\u00e1 vede ke spln\u011bn\u00ed po\u017eadavk\u016f a schv\u00e1len\u00ed \u017e\u00e1dosti a k tomu mus\u00ed b\u00fdt p\u0159\u00edjmy nejen potvrzen\u00e9, ale tak\u00e9 dosta\u010duj\u00edc\u00ed. K\u00e1men \u00farazu nast\u00e1v\u00e1 v moment\u011b, kdy klient nem\u016f\u017ee svoje p\u0159\u00edjmy dolo\u017eit nebo jednodu\u0161e si chce zachovat soukrom\u00ed a tuto povinnost p\u0159ed z\u00edsk\u00e1n\u00edm jak\u00e9koliv p\u016fj\u010dky \u010di \u00fav\u011bru plnit nechce. A tak\u00e9 v moment\u011b, kdy sice p\u0159\u00edjmy potvrzen\u00e9 m\u00e1, ale ne v po\u017eadovan\u00e9 v\u00fd\u0161i, jakou si banka p\u0159edstavuje.Na\u0161t\u011bst\u00ed jsou i mo\u017enosti jako nap\u0159\u00edklad americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Jedn\u00e1 se obvykle o produkt od nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 nemaj\u00ed tolik p\u0159\u00edsn\u00e9 podm\u00ednky a nab\u00edzej\u00ed \u0159e\u0161en\u00ed i lidem, kte\u0159\u00ed nemaj\u00ed dostate\u010dn\u00e9 p\u0159\u00edjmy nebo je nem\u016f\u017eou dolo\u017eit. Jedinou podm\u00ednkou z\u016fst\u00e1v\u00e1 ru\u010den\u00ed formou z\u00e1stavy nemovitosti. V n\u011bkter\u00fdch p\u0159\u00edpadech si nedolo\u017een\u00ed p\u0159\u00edjm\u016f spole\u010dnost kompenzuje t\u0159eba vy\u0161\u0161\u00edm \u00farokem nebo ni\u017e\u0161\u00ed \u010d\u00e1stkou k p\u016fj\u010den\u00ed. V\u017edy v\u0161ak z\u00e1le\u017e\u00ed p\u0159edev\u0161\u00edm na tr\u017en\u00ed cen\u011b nemovitosti, kter\u00e1 bude slou\u017eit jako z\u00e1stava a tak\u00e9 na procentu\u00e1ln\u00ed v\u00fd\u0161i, kterou je nebankovn\u00ed spole\u010dnost ochotna z tr\u017en\u00ed ceny nemovitosti p\u016fj\u010dit.P\u0159i t\u00e9to form\u011b \u00fav\u011bru m\u016f\u017eete z\u00edskan\u00e9 pen\u00edze vyu\u017e\u00edt na cokoliv. Jedn\u00e1 se toti\u017e o \u00fav\u011br bez\u00fa\u010deln\u00fd, tedy ur\u010den\u00fd nejen na \u0159e\u0161en\u00ed bydlen\u00ed, ale t\u0159eba i na n\u00e1kup za\u0159\u00edzen\u00ed, elektroniky, spot\u0159ebi\u010d\u016f, auta, dovolen\u00e9, k podnik\u00e1n\u00ed nebo vyplacen\u00ed dluh\u016f a podobn\u011b.Americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f je sice jednoduch\u00e9 \u0159e\u0161en\u00ed z\u00edsk\u00e1n\u00ed pen\u011bz, ale ka\u017ed\u00fd si mus\u00ed uv\u011bdomit, \u017ee podm\u00ednkou je \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed dle dohodnut\u00fdch podm\u00ednek ve smlouv\u011b. Proto je d\u016fle\u017eit\u00e9 b\u00fdt si v\u011bdom\u00fd toho, jak\u00e1 je va\u0161e finan\u010dn\u00ed situace a jestli opravdu m\u00e1te finan\u010dn\u00ed prost\u0159edky k tomu, abyste dodr\u017eeli svoje z\u00e1vazky. Potvrzen\u00ed o p\u0159\u00edjmech je \u010dasto z\u00e1ruka i pro samotn\u00e9ho klienta, \u017ee jeho schopnost spl\u00e1cen\u00ed bude p\u0159i t\u00e9 v\u00fd\u0161i p\u0159\u00edjm\u016f splniteln\u00e1.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Americk\u00e1 hypot\u00e9ka a je\u0161t\u011b bez potvrzen\u00ed o p\u0159\u00edjmech?","item":"https:\/\/www.codalan.cz\/americka-hypoteka-a-jeste-bez-potvrzeni-o-prijmech\/#breadcrumbitem"}]}]