[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tartarus.cz\/na-co-se-zamerit-pred-podpisem-uverove-smlouvy-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.tartarus.cz\/na-co-se-zamerit-pred-podpisem-uverove-smlouvy-nebankovni-hypoteky\/","headline":"Na co se zam\u011b\u0159it p\u0159ed podpisem \u00fav\u011brov\u00e9 smlouvy nebankovn\u00ed hypot\u00e9ky","name":"Na co se zam\u011b\u0159it p\u0159ed podpisem \u00fav\u011brov\u00e9 smlouvy nebankovn\u00ed hypot\u00e9ky","description":"V\u00fd\u0161e \u00faroku a RPSN V\u0161echny \u00fav\u011bry, a pochopiteln\u011b i ty hypote\u010dn\u00ed, a\u0165 u\u017e je uzav\u00edr\u00e1te v bance, nebo podepisujete smlouvu s nebankovn\u00ed spole\u010dnost\u00ed https:\/\/nebankovni-hypoteky-cz.cz\/nebankovni-hypoteka\/, jsou vym\u011b\u0159ov\u00e1ny mimo jin\u00e9 na z\u00e1klad\u011b \u00farokov\u00fdch sazeb. Jejich sou\u010d\u00e1st\u00ed jsou tak\u00e9 tzv. RPSN. Tato zkratka znamen\u00e1 ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. Je a\u017e s podivem, \u017ee podle statistick\u00fdch pr\u016fzkum\u016f v\u00edce ne\u017e […]","datePublished":"2018-04-03","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.tartarus.cz\/author\/#Person","name":"","url":"https:\/\/www.tartarus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tartarus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tartarus.cz\/wp-content\/uploads\/img_a316085_w2272_t1527062262.jpg","url":"https:\/\/www.tartarus.cz\/wp-content\/uploads\/img_a316085_w2272_t1527062262.jpg","height":0,"width":0},"url":"https:\/\/www.tartarus.cz\/na-co-se-zamerit-pred-podpisem-uverove-smlouvy-nebankovni-hypoteky\/","about":["Pen\u00edze"],"wordCount":629,"articleBody":"       V\u00fd\u0161e \u00faroku a RPSN V\u0161echny \u00fav\u011bry, a pochopiteln\u011b i ty hypote\u010dn\u00ed, a\u0165 u\u017e je uzav\u00edr\u00e1te v bance, nebo podepisujete smlouvu s nebankovn\u00ed spole\u010dnost\u00ed https:\/\/nebankovni-hypoteky-cz.cz\/nebankovni-hypoteka\/, jsou vym\u011b\u0159ov\u00e1ny mimo jin\u00e9 na z\u00e1klad\u011b \u00farokov\u00fdch sazeb. Jejich sou\u010d\u00e1st\u00ed jsou tak\u00e9 tzv. RPSN. Tato zkratka znamen\u00e1 ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. Je a\u017e s podivem, \u017ee podle statistick\u00fdch pr\u016fzkum\u016f v\u00edce ne\u017e 85 procent lid\u00ed v \u010cesku v\u016fbec nev\u00ed, co RPSN obn\u00e1\u0161\u00ed. Lid\u00e9 si tak\u00e9 \u010dasto berou \u00fav\u011br z toho d\u016fvodu, \u017ee v n\u011bm spat\u0159uj\u00ed \u0161anci z\u00edskat n\u011bco nav\u00edc \u2013 obohatit se. P\u0159itom bychom se na celou v\u011bc m\u011bli d\u00edvat z opa\u010dn\u00e9ho sm\u011bru: \u00dav\u011br je mo\u017enost z\u00edskat n\u011bjak\u00e9 zbo\u017e\u00ed ihned, p\u0159itom mus\u00edm m\u00edt jasno, \u017ee m\u00e1m dostatek prost\u0159edk\u016f sv\u016fj finan\u010dn\u00ed z\u00e1vazek postupn\u011b spl\u00e1cet – zaplat\u00edm sice je\u0161t\u011b n\u011bco na \u00faroc\u00edch spole\u010dnosti, kter\u00e1 mi to umo\u017enila, ale tu v\u011bc mohu u\u017e\u00edvat ji\u017e nyn\u00ed. Zesplatn\u011bn\u00ed \u00fav\u011bru Velmi nep\u0159\u00edjemn\u00e9 slovo, kter\u00e9 byste jist\u011b neradi sly\u0161eli, je to toti\u017e tzv. posledn\u00ed \u0161tace. Zesplatn\u011bn\u00edm rozum\u00edme z\u00e1v\u011bre\u010dn\u00e9 st\u00e1dium pro dlu\u017en\u00edka, kter\u00fd je v pozici mrtv\u00e9ho brouka, p\u0159itom ignoruje n\u011bkolik upom\u00ednek od v\u011b\u0159itele, a (v mnoha p\u0159\u00edpadech z praxe) se domn\u00edv\u00e1, \u017ee se situace jaksi n\u011bjak vy\u0159e\u0161\u00ed sama. Jestli\u017ee toti\u017e \u00fav\u011br \u0159\u00e1dn\u011b nespl\u00e1c\u00edte a neplat\u00ed na v\u00e1s rozumn\u00e1 domluva, nen\u00ed z va\u0161\u00ed strany z\u00e1jem o spolupr\u00e1ci nep\u0159\u00edjemnou situaci \u0159e\u0161it, v\u011b\u0159iteli m\u016f\u017ee doj\u00edt ve\u0161ker\u00e1 trp\u011blivost a uch\u00fdl\u00ed se k posledn\u00edmu kroku \u2013 k zesplatn\u011bn\u00ed. B\u011b\u017en\u011b to funguje tak, \u017ee seri\u00f3zn\u00ed v\u011b\u0159itel nejprve pos\u00edl\u00e1 p\u0159ibli\u017en\u011b 2 – 3 m\u011bs\u00edce upom\u00ednky a \u010dek\u00e1 na va\u0161i reakci, tedy alespo\u0148 omluvu a snahu dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Pot\u00e9 ji\u017e p\u0159ich\u00e1z\u00ed na \u0159adu stru\u010dn\u00e9 ozn\u00e1men\u00ed, \u017ee ve\u0161ker\u00e9 pohled\u00e1vky byly zesplatn\u011bny, tzn. v\u0161echny \u00faroky, \u00faroky z prodlen\u00ed, zb\u00fdvaj\u00edc\u00ed spl\u00e1tky. Pak u\u017e situaci \u0159e\u0161\u00ed exekutor. Ten z moci \u00fa\u0159edn\u00ed zabavuje majetek, a pokud je dluh p\u0159\u00edli\u0161 vysok\u00fd a dlu\u017en\u00edk ru\u010d\u00ed nemovitost\u00ed, ve h\u0159e je samoz\u0159ejm\u011b i tento objekt. Tedy v mnoha p\u0159\u00edpadech i doslova st\u0159echa nad hlavou. Zn\u00ed to sice drsn\u011b, ale lid\u00e9 by si m\u011bli uv\u011bdomit, \u017ee ka\u017ed\u00e1 p\u016fj\u010dka se mus\u00ed spl\u00e1cet, a \u017ee jde v\u017edy o smluvn\u00ed z\u00e1le\u017eitost mezi v\u011b\u0159itelem a dlu\u017en\u00edkem, nav\u00edc o\u0161et\u0159enou po pr\u00e1vn\u00ed str\u00e1nce. \u00dav\u011brov\u00e1 smlouva je toti\u017e z\u00e1vazn\u00e1 a mus\u00ed b\u00fdt v n\u00ed tak\u00e9 zakotvena klausule zesplatn\u011bn\u00ed, tedy jak\u00fdm zp\u016fsobem se \u0159e\u0161\u00ed neschopnost klienta spl\u00e1cet, a opo\u017ed\u011bn\u00e9 spl\u00e1tky. Seri\u00f3zn\u00ed spole\u010dnosti se sna\u017e\u00ed lidem vyj\u00edt vst\u0159\u00edc a v\u011bt\u0161inou se jedn\u00e1 o rozumnou domluvu, kde si lid\u00e9 uv\u011bdomuj\u00ed prosp\u011bch z obou stran. M\u011bjte se v\u0161ak na pozoru p\u0159ed subjekty, kter\u00e9 p\u0159i opo\u017ed\u011bn\u00e9 spl\u00e1tce o jedin\u00fd den zb\u00fdvaj\u00edc\u00ed \u00fav\u011br nechaj\u00ed zesplatnit. Kladou si pak podm\u00ednku do 10 kalend\u00e1\u0159n\u00edch dn\u016f uhradit zbytek dlu\u017en\u00e9 \u010d\u00e1stky, a to \u010dastokr\u00e1t v\u010detn\u011b sankce, kter\u00e9 se mohou vy\u0161plhat a\u017e na t\u0159etinu zb\u00fdvaj\u00edc\u00edho dluhu. Z t\u011bchto d\u016fvod\u016f se doporu\u010duje \u00fav\u011brov\u00e9 smlouvy v\u017edy pe\u010dliv\u011b \u010d\u00edst, nejl\u00e9pe s pr\u00e1vn\u00edkem v z\u00e1dech.                                                                                                                                                                                                                                                                                                                                                                                          3.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na co se zam\u011b\u0159it p\u0159ed podpisem \u00fav\u011brov\u00e9 smlouvy nebankovn\u00ed hypot\u00e9ky","item":"https:\/\/www.tartarus.cz\/na-co-se-zamerit-pred-podpisem-uverove-smlouvy-nebankovni-hypoteky\/#breadcrumbitem"}]}]