[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/pbag.cz\/vyhody-a-nevyhody-nebankovnich-hypotek\/#Article","mainEntityOfPage":"https:\/\/pbag.cz\/vyhody-a-nevyhody-nebankovnich-hypotek\/","headline":"V\u00fdhody a nev\u00fdhody nebankovn\u00edch hypot\u00e9k","name":"V\u00fdhody a nev\u00fdhody nebankovn\u00edch hypot\u00e9k","description":"Co je to nebankovn\u00ed hypot\u00e9ka Nebankovn\u00ed hypot\u00e9ka Nebankovn\u00ed hypot\u00e9ky je typ \u00fav\u011bru, kter\u00fd je zaji\u0161t\u011bn nemovitost\u00ed a poskytuje ho jin\u00fd subjekt ne\u017e banka. Instituce poskytuj\u00edc\u00ed nebankovn\u00ed hypot\u00e9ky mus\u00ed m\u00edt k tomuto \u00fa\u010delu licenci ud\u011blovanou \u010ceskou n\u00e1rodn\u00ed bankou. U tohoto typu hypot\u00e9k b\u00fdvaj\u00ed \u010dasto tolerov\u00e1ny ni\u017e\u0161\u00ed p\u0159\u00edjmy, tak\u017ee b\u00fdvaj\u00ed dostupn\u011bj\u0161\u00ed pro \u0161ir\u0161\u00ed okruh osob. V\u00fdhody nebankovn\u00edch […]","datePublished":"2026-02-16","dateModified":"2026-02-16","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\/tumisu-mortgage-5266520_640_1.jpg","url":"https:\/\/pbag.cz\/wp-content\/uploads\/tumisu-mortgage-5266520_640_1.jpg","height":0,"width":0},"url":"https:\/\/pbag.cz\/vyhody-a-nevyhody-nebankovnich-hypotek\/","wordCount":379,"articleBody":"       Co je to nebankovn\u00ed hypot\u00e9kaNebankovn\u00ed hypot\u00e9ka Nebankovn\u00ed hypot\u00e9ky je typ \u00fav\u011bru, kter\u00fd je zaji\u0161t\u011bn nemovitost\u00ed a poskytuje ho jin\u00fd subjekt ne\u017e banka. Instituce poskytuj\u00edc\u00ed nebankovn\u00ed hypot\u00e9ky mus\u00ed m\u00edt k tomuto \u00fa\u010delu licenci ud\u011blovanou \u010ceskou n\u00e1rodn\u00ed bankou. U tohoto typu hypot\u00e9k b\u00fdvaj\u00ed \u010dasto tolerov\u00e1ny ni\u017e\u0161\u00ed p\u0159\u00edjmy, tak\u017ee b\u00fdvaj\u00ed dostupn\u011bj\u0161\u00ed pro \u0161ir\u0161\u00ed okruh osob. V\u00fdhody nebankovn\u00edch hypot\u00e9kMezi v\u00fdhody nebankovn\u00edch hypot\u00e9k pat\u0159\u00ed p\u0159edev\u0161\u00edm rychlej\u0161\u00ed vy\u0159\u00edzen\u00ed bez zbyte\u010dn\u00e9 byrokracie a zdlouhav\u00e9ho pap\u00edrov\u00e1n\u00ed, mo\u017enost z\u00edskat \u00fav\u011br i s ni\u017e\u0161\u00edmi p\u0159\u00edjmy nebo negativn\u00edm z\u00e1znamem v registrech a flexibilita. Jde z\u00e1rove\u0148 tak\u00e9 o mo\u017enost vyplacen\u00ed exekuc\u00ed nebo z\u00e1stav nemovitost\u00ed, kter\u00e9 banky odm\u00edtaj\u00ed. Spl\u00e1tky je mo\u017en\u00e9 si p\u0159izp\u016fsobit na m\u00edru konkr\u00e9tn\u00edm pot\u0159eb\u00e1m a aktu\u00e1ln\u00ed finan\u010dn\u00ed situaci. Plusem je i \u0161irok\u00e9 vyu\u017eit\u00ed. Nebankovn\u00ed hypot\u00e9ky jsou toti\u017e ne\u00fa\u010delov\u00e9, tak\u017ee je mo\u017en\u00e9 je vyu\u017eit na cokoliv, a nejen na koupi nebo rekonstrukci nemovitosti. Nev\u00fdhody nebankovn\u00edch hypot\u00e9kMezi nev\u00fdhody nebankovn\u00edch hypot\u00e9k pat\u0159\u00ed vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby, ne\u017e jak\u00e9 jsou obvykl\u00e9 u b\u011b\u017en\u00fdch bankovn\u00edch hypot\u00e9k. M\u00ednusem je jsou i vy\u0161\u0161\u00ed poplatky a dal\u0161\u00ed souvisej\u00edc\u00ed n\u00e1klady. V p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed nebankovn\u00ed hypot\u00e9ky je t\u0159eba po\u010d\u00edtat s tvrd\u00fdmi sankcemi, co\u017e m\u016f\u017ee velice rychle sm\u011b\u0159ovat k dluhov\u00e9 pasti. S t\u00edm je spojen\u00e9 i vy\u0161\u0161\u00ed riziko, \u017ee klient p\u0159ijde o nemovitost, kterou musel p\u0159i \u017e\u00e1dosti o nebankovn\u00ed hypot\u00e9ku zastavit. N\u011bkte\u0159\u00ed poskytovatel\u00e9 nav\u00edc mohou m\u00edt netransparentn\u00ed podm\u00ednky.Pro koho je nebankovn\u00ed hypot\u00e9ka vhodn\u00e1Nebankovn\u00ed hypot\u00e9ka je vhodn\u00fdm \u0159e\u0161en\u00edm pro klienty s negativn\u00edm z\u00e1znamem v registru dlu\u017en\u00edk\u016f, \u017eadatele s n\u00edzk\u00fdm nebo obt\u00ed\u017en\u011b dolo\u017eiteln\u00fdmi p\u0159\u00edjmy (nap\u0159. podnikatel\u00e9 \u010di OSV\u010c s n\u00edzk\u00fdm da\u0148ov\u00fdm z\u00e1kladem, lid\u00e9 ve zku\u0161ebn\u00ed dob\u011b \u010di s jin\u00fdm druhem p\u0159\u00edjmu apod.), jako \u0159e\u0161en\u00ed exekuc\u00ed a insolvenc\u00ed nebo pro p\u0159\u00edpad nutnosti rychl\u00e9ho financov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   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