[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.techis.cz\/dostanu-hypoteku-po-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.techis.cz\/dostanu-hypoteku-po-insolvenci\/","headline":"Dostanu hypot\u00e9ku po insolvenci?","name":"Dostanu hypot\u00e9ku po insolvenci?","description":"Co to je, insolvence? Jedn\u00e1 se o stav, kdy\u017e dlu\u017en\u00edk nen\u00ed schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm o spl\u00e1cen\u00ed dluh\u016f. Tento proces vede soud a c\u00edlen je, aby do\u0161lo, co k nejvy\u0161\u0161\u00edmu a pom\u011brn\u00e9mu uspokojen\u00ed v\u011b\u0159itel\u016f. Insolvence obvykle trv\u00e1 p\u011bt let. Po tu dobu v\u00e1m st\u00e1t nech\u00e1v\u00e1 pouze povinn\u00e9 minimum, zbytek rozd\u011bluje mezi v\u011b\u0159itel\u00e9. Po p\u011bti letech […]","datePublished":"2022-07-15","dateModified":"2022-07-15","author":{"@type":"Person","@id":"https:\/\/www.techis.cz\/author\/#Person","name":"","url":"https:\/\/www.techis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"techis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.techis.cz\/wp-content\/uploads\/pexels-kindel-media-7579206.jpg","url":"https:\/\/www.techis.cz\/wp-content\/uploads\/pexels-kindel-media-7579206.jpg","height":0,"width":0},"url":"https:\/\/www.techis.cz\/dostanu-hypoteku-po-insolvenci\/","about":["Pen\u00edze"],"wordCount":420,"articleBody":"   Co to je, insolvence? Jedn\u00e1 se o stav, kdy\u017e dlu\u017en\u00edk nen\u00ed schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm o spl\u00e1cen\u00ed dluh\u016f. Tento proces vede soud a c\u00edlen je, aby do\u0161lo, co k nejvy\u0161\u0161\u00edmu a pom\u011brn\u00e9mu uspokojen\u00ed v\u011b\u0159itel\u016f.Insolvence obvykle trv\u00e1 p\u011bt let. Po tu dobu v\u00e1m st\u00e1t nech\u00e1v\u00e1 pouze povinn\u00e9 minimum, zbytek rozd\u011bluje mezi v\u011b\u0159itel\u00e9. Po p\u011bti letech jste tedy bez dluh\u016f. Ale to neznamen\u00e1, \u017ee v\u00e1m hned tak n\u011bkdo p\u016fj\u010d\u00ed. Pr\u00e1v\u011b naopak. Je\u0161t\u011b p\u011bt let bude va\u0161e jm\u00e9no v takzvan\u00e9m insolven\u010dn\u00edm rejst\u0159\u00edku, odkud nejde odstranit. Po tu dobu v\u00e1m banka nebude cht\u00edt d\u00e1t nejen hypot\u00e9ku, ale v podstat\u011b \u017e\u00e1dn\u00fd \u00fav\u011br, v\u010detn\u011b kreditn\u00ed karty a podobn\u011b. T\u00edm \u017ee m\u00e1te za sebou insolvenci, se st\u00e1v\u00e1te pro banku potencion\u00e1ln\u00edm neplati\u010dem, kter\u00fd nebude schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm.Je to i z d\u016fvodu, \u017ee banka v\u00ed, \u017ee posledn\u00edch p\u011bt let byl v\u00e1\u0161 p\u0159\u00edjem minim\u00e1ln\u00ed, tak\u017ee jste nem\u011bli z \u010deho na\u0161et\u0159it na p\u0159\u00edpadnou rezervu a podobn\u011b. I kdyby to nebyla pravda, bohu\u017eel, banky b\u00fdvaj\u00ed v tomto sm\u011bru opravdu nekompromisn\u00ed.M\u016f\u017eete samoz\u0159ejm\u011b podat \u017e\u00e1dost o hypot\u00e9ku, ale po\u010d\u00edtejte s t\u00edm, \u017ee v\u00e1m bude zam\u00edtnuta. Banky dokonce nedoporu\u010duj\u00ed pod\u00edvat \u017e\u00e1dost ani na zkou\u0161ku. Zam\u00edtnut\u00ed \u017e\u00e1dosti u\u017e bude u va\u0161eho jm\u00e9na vedeno a sni\u017euje v\u00e1m rating, tedy hodnocen\u00ed, podle kter\u00e9ho se banka rozhoduje, zda v\u00e1m \u00fav\u011br d\u00e1 \u010di ne. Pokud byste opravdu cht\u011bli \u017e\u00e1dost pod\u00e1vat i b\u011bhem b\u011b\u017e\u00edc\u00edch p\u011bti let, doporu\u010dujeme v\u00e1m ji podat nejd\u0159\u00edv po uplynul\u00fdch t\u0159ech letech. Ale nebudete m\u00edt moc \u0161anc\u00ed, \u017ee usp\u011bjete.Co tedy d\u011blat? Jedna mo\u017enost je po\u010dkat, a\u017e uplyne p\u011bt let a pokusit se z\u00edskat hypot\u00e9ku. Ale n\u011bkdo \u010dekat nechce, n\u011bkdo dokonce ani z r\u016fzn\u00fdch d\u016fvod\u016f nem\u016f\u017ee. Dal\u0161\u00ed mo\u017enost, kterou m\u00e1te, je zkusit si za\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku. Pot\u0159ebujete m\u00edt nemovitost, kterou budete ru\u0161it za sv\u016fj \u00fav\u011br a pak je \u0161ance, \u017ee v\u00e1m bude \u017e\u00e1dost schv\u00e1lena. Pod\u00edvejte se na hypot\u00e9ku po insolvenci Nebankovn\u00ed hypot\u00e9ky.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dostanu hypot\u00e9ku po insolvenci?","item":"https:\/\/www.techis.cz\/dostanu-hypoteku-po-insolvenci\/#breadcrumbitem"}]}]