[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/pbag.cz\/proc-lide-nedosahnou-na-klasickou-hypoteku\/#Article","mainEntityOfPage":"https:\/\/pbag.cz\/proc-lide-nedosahnou-na-klasickou-hypoteku\/","headline":"Pro\u010d lid\u00e9 nedos\u00e1hnou na klasickou hypot\u00e9ku?","name":"Pro\u010d lid\u00e9 nedos\u00e1hnou na klasickou hypot\u00e9ku?","description":"\u017d\u00e1dost o hypot\u00e9ku m\u016f\u017ee podat ka\u017ed\u00fd, jenom\u017ee nen\u00ed zaru\u010den\u00e9, \u017ee v\u00e1m banka \u017e\u00e1dost schv\u00e1l\u00ed. Maj\u00ed toti\u017e dost p\u0159\u00edsn\u00e1 pravidla ohledn\u011b toho, jak se \u017e\u00e1dost posuzuje. Ka\u017ed\u00e9ho \u017eadatele si posoud\u00ed velmi pe\u010dliv\u011b. D\u016fvod\u016f zam\u00edtnut\u00ed m\u016f\u017ee b\u00fdt n\u011bkolik. Nedostate\u010dn\u00fd p\u0159\u00edjem Jeden z hlavn\u00edch faktor\u016f, kter\u00e9 rozhoduj\u00ed o tom, zda bude hypot\u00e9ka schv\u00e1len\u00e1, je v\u00e1\u0161 p\u0159\u00edjem. Probl\u00e9m m\u016f\u017ee […]","datePublished":"2026-03-14","dateModified":"2026-03-14","author":{"@type":"Person","@id":"https:\/\/pbag.cz\/author\/#Person","name":"","url":"https:\/\/pbag.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":"pbag.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/pbag.cz\/wp-content\/uploads\/tierra-mallorca-rgJ1J8SDEAY-unsplash_10_3.jpg","url":"https:\/\/pbag.cz\/wp-content\/uploads\/tierra-mallorca-rgJ1J8SDEAY-unsplash_10_3.jpg","height":0,"width":0},"url":"https:\/\/pbag.cz\/proc-lide-nedosahnou-na-klasickou-hypoteku\/","wordCount":409,"articleBody":"      \u017d\u00e1dost o hypot\u00e9ku m\u016f\u017ee podat ka\u017ed\u00fd, jenom\u017ee nen\u00ed zaru\u010den\u00e9, \u017ee v\u00e1m banka \u017e\u00e1dost schv\u00e1l\u00ed. Maj\u00ed toti\u017e dost p\u0159\u00edsn\u00e1 pravidla ohledn\u011b toho, jak se \u017e\u00e1dost posuzuje. Ka\u017ed\u00e9ho \u017eadatele si posoud\u00ed velmi pe\u010dliv\u011b. D\u016fvod\u016f zam\u00edtnut\u00ed m\u016f\u017ee b\u00fdt n\u011bkolik.Nedostate\u010dn\u00fd p\u0159\u00edjemJeden z hlavn\u00edch faktor\u016f, kter\u00e9 rozhoduj\u00ed o tom, zda bude hypot\u00e9ka schv\u00e1len\u00e1, je v\u00e1\u0161 p\u0159\u00edjem. Probl\u00e9m m\u016f\u017ee nastat v p\u0159\u00edpad\u011b, kdy je v\u00e1\u0161 p\u0159\u00edjem p\u0159\u00edli\u0161 n\u00edzk\u00fd, pracujete na dohodu nebo m\u00e1te pouze smlouvu na kr\u00e1t\u00fd \u010dasov\u00fd \u00fasek, jste OSV\u010c s nepravideln\u00fdmi v\u00fdd\u011blky anebo jste ve zku\u0161ebn\u00ed dob\u011b. V takov\u00fdch p\u0159\u00edpadech je t\u00e9m\u011b\u0159 jist\u00e9, \u017ee v\u00e1m \u017e\u00e1dost zam\u00edtnou.Nedostatek \u00faspor\u017d\u00e1dn\u00e1 banka v\u00e1m nep\u016fj\u010d\u00ed 100 % hodnoty nemovitosti. Zvl\u00e1\u0161t\u011b v dne\u0161n\u00ed dob\u011b. Mus\u00edte m\u00edt n\u011bco na\u0161et\u0159en\u00e9ho i vy. Obvykle banka po\u017eaduje, abyste m\u011bli 10 \u2013 20 % hodnoty z celkov\u00e9 hodnoty nemovitosti. To znamen\u00e1, \u017ee pokud si chcete vz\u00edt hypot\u00e9ku na 4 mili\u00f3ny, mus\u00edte m\u00edt na\u0161et\u0159en\u00fdch t\u0159eba 400 000. Co\u017e nen\u00ed m\u00e1lo. Pokud tyto pen\u00edze nem\u00e1te, pro banku je to obvykle p\u0159ek\u00e1\u017eka a hypot\u00e9ku v\u00e1m neschv\u00e1l\u00ed. Vlastn\u011b to b\u00fdv\u00e1 velmi \u010dast\u00fd probl\u00e9m p\u0159i pod\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku.Z\u00e1znam v registru dlu\u017en\u00edk\u016fV bank\u00e1ch je \u010dast\u00fdm d\u016fvodem zam\u00edtnut\u00ed negativn\u00ed z\u00e1znam v registrech dlu\u017en\u00edk\u016f. M\u016f\u017ee j\u00edt t\u0159eba o opo\u017ed\u011bn\u00e9 spl\u00e1tky p\u016fj\u010dek, nezaplacen\u00e9 faktury, nebo i kreditn\u00ed karta, kter\u00e1 je ji\u017e po splatnosti. I drobn\u00fd proh\u0159e\u0161ek, kter\u00fd jste ud\u011blali v minulosti, m\u016f\u017ee hr\u00e1t z\u00e1sadn\u00ed roli v tom, zda v\u00e1m banka \u017e\u00e1dost schv\u00e1l\u00ed.Co d\u011blat, kdy\u017e nedos\u00e1hnete na hypot\u00e9ku?Pokud v\u00e1m banka hypot\u00e9ku neschv\u00e1l\u00ed, nen\u00ed to konec sv\u011bta. A rozhodn\u011b m\u00e1te i dal\u0161\u00ed mo\u017enosti. Jako alternativu m\u016f\u017eete zvolit t\u0159eba nebankovn\u00ed hypot\u00e9ku. V tomto p\u0159\u00edpad\u011b banka nezkoum\u00e1 tak pe\u010dliv\u011b va\u0161i historii ohledn\u011b druhou. Nahl\u00e9dnou do n\u00ed, ale dok\u00e1\u017eou daleko v\u00edce p\u0159imhou\u0159it o\u010di a ledasco v\u00e1m odpust\u00ed, oproti bance. A p\u0159itom zde m\u016f\u017eete z\u00edskat stejn\u011b v\u00fdhodn\u00e9 podm\u00ednky, jako u va\u0161\u00ed banky.                                                                                                                                                                                                                                                                                                                                                                                                  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