[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.george-dennis.cz\/proc-neplatici-hypotek-musi-predem-pocitat-s-problemy\/#Article","mainEntityOfPage":"https:\/\/www.george-dennis.cz\/proc-neplatici-hypotek-musi-predem-pocitat-s-problemy\/","headline":"Pro\u010d neplati\u010di hypot\u00e9k mus\u00ed p\u0159edem po\u010d\u00edtat s probl\u00e9my","name":"Pro\u010d neplati\u010di hypot\u00e9k mus\u00ed p\u0159edem po\u010d\u00edtat s probl\u00e9my","description":"O tom, \u017ee trh s nemovitostmi nen\u00ed zrovna v nejlep\u0161\u00edm stavu, nen\u00ed \u017e\u00e1dn\u00fdch pochyb. Jejich ceny st\u00e1le je\u0161t\u011b strm\u011b rostou, a\u010dkoliv podle v\u0161ech p\u0159edpov\u011bd\u00ed m\u011bla bublina ji\u017e d\u00e1vno prasknout. A to je tak\u00e9 d\u016fvod, pro\u010d si b\u011b\u017en\u00fd \u010dlov\u011bk na koupi domu \u010di bytu zkr\u00e1tka a jednodu\u0161e na\u0161et\u0159it nedok\u00e1\u017ee, tedy alespo\u0148 pokud chce bydlet je\u0161t\u011b p\u0159ed d\u016fchodem. Jedin\u00e9 \u0159e\u0161en\u00ed zde nab\u00edz\u00ed<br><br><a class=\"more-link\" href=\"https:\/\/www.george-dennis.cz\/proc-neplatici-hypotek-musi-predem-pocitat-s-problemy\/\">Read More<\/a>","datePublished":"2026-03-13","dateModified":"2026-03-13","author":{"@type":"Person","@id":"https:\/\/www.george-dennis.cz\/author\/#Person","name":"","url":"https:\/\/www.george-dennis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"george-dennis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.george-dennis.cz\/wp-content\/uploads\/hypoteka7_10_10_10_10_2.jpg","url":"https:\/\/www.george-dennis.cz\/wp-content\/uploads\/hypoteka7_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.george-dennis.cz\/proc-neplatici-hypotek-musi-predem-pocitat-s-problemy\/","about":["Pen\u00edze"],"wordCount":419,"articleBody":"      O tom, \u017ee trh s nemovitostmi nen\u00ed zrovna v nejlep\u0161\u00edm stavu, nen\u00ed \u017e\u00e1dn\u00fdch pochyb. Jejich ceny st\u00e1le je\u0161t\u011b strm\u011b rostou, a\u010dkoliv podle v\u0161ech p\u0159edpov\u011bd\u00ed m\u011bla bublina ji\u017e d\u00e1vno prasknout. A to je tak\u00e9 d\u016fvod, pro\u010d si b\u011b\u017en\u00fd \u010dlov\u011bk na koupi domu \u010di bytu zkr\u00e1tka a jednodu\u0161e na\u0161et\u0159it nedok\u00e1\u017ee, tedy alespo\u0148 pokud chce bydlet je\u0161t\u011b p\u0159ed d\u016fchodem. Jedin\u00e9 \u0159e\u0161en\u00ed zde nab\u00edz\u00ed hypot\u00e9ka. Je pochopiteln\u00e9, \u017ee hypote\u010dn\u00ed spole\u010dnosti, zvl\u00e1\u0161t\u011b ty nebankovn\u00ed, jsou si toho velmi dob\u0159e v\u011bdomy, a proto t\u00e9to situace vyu\u017e\u00edvaj\u00ed ke sv\u00e9mu obohacen\u00ed. A je to jen pochopiteln\u00e9, koneckonc\u016f z\u00e1kladn\u00edm c\u00edlem ka\u017ed\u00e9 firmy je vyd\u011blat co nejv\u00edce pen\u011bz. Probl\u00e9m je fakt, \u017ee je to \u010dasto na \u00fakor lid\u00ed.Samoz\u0159ejm\u011b se najdou i takov\u00ed, kte\u0159\u00ed ji bu\u010f neplat\u00ed, nebo ji z n\u011bjak\u00e9ho d\u016fvodu (nap\u0159\u00edklad ztr\u00e1ta zam\u011bstn\u00e1n\u00ed a t\u00edm i znateln\u00fd pokles p\u0159\u00edjmu) platit p\u0159estanou. Je jasn\u00e9, \u017ee neplati\u010di hypot\u00e9k mus\u00ed p\u0159edem po\u010d\u00edtat s probl\u00e9my. Ot\u00e1zkou ov\u0161em z\u016fst\u00e1v\u00e1, jakou podobu budou tyto probl\u00e9my m\u00edt, a zda se n\u00e1m n\u011bco takov\u00e9ho nakonec o\u0161kliv\u011b nevymst\u00ed. U bankovn\u00edch hypot\u00e9k to nen\u00ed takov\u00e1 trag\u00e9die. Tyto ji toti\u017e obvykle neposkytnou lidem, u nich\u017e je velk\u00e1 \u0161ance, \u017ee nebudou schopni spl\u00e1cet. Kr\u00e1tkodob\u00fd v\u00fdpadek, nap\u0159\u00edklad v d\u016fsledku nemoci \u010di ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, jsou pak ochotny tolerovat, pokud je \u0159\u00e1dn\u011b nahl\u00e1\u0161en a dod\u00e1n pat\u0159i\u010dn\u00fd d\u016fvod. Pokud neplat\u00edme dlouhodob\u011b, bude s n\u00e1mi d\u00e1le nakl\u00e1d\u00e1no podle bankovn\u00edch p\u0159edpis\u016f. Nebankovn\u00ed hypot\u00e9ky jsou v\u0161ak n\u011bco jin\u00e9ho. Tyto obvykle nemaj\u00ed \u017e\u00e1dnou periodu, kdy by bylo mo\u017en\u00e9 platbu nap\u0159\u00edklad na m\u011bs\u00edc \u010di dva pozastavit. Naopak, jsou zde nejen v\u011bt\u0161\u00ed \u00faroky, ale tak\u00e9 poplatky z prodlen\u00ed, kter\u00e9 velmi rychle nar\u016fstaj\u00ed. K tomu je pot\u0159eba p\u0159i\u010d\u00edst i fakt, \u017ee mnoh\u00e9 z t\u011bchto spole\u010dnost\u00ed poskytne hypot\u00e9ku v podstat\u011b komukoliv, i lidem, u kter\u00fdch je jasn\u00e9, \u017ee spl\u00e1cet po des\u00edtky let rozhodn\u011b nebudou. Cel\u00e1 v\u011bc mnohdy kon\u010d\u00ed exekuc\u00ed, co\u017e rozhodn\u011b nen\u00ed p\u0159\u00edjemn\u00e9. Proto je dobr\u00e9 si p\u0159edem rozmyslet, zda se budeme schopni takto zav\u00e1zat na des\u00edtky let.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d neplati\u010di hypot\u00e9k mus\u00ed p\u0159edem po\u010d\u00edtat s probl\u00e9my","item":"https:\/\/www.george-dennis.cz\/proc-neplatici-hypotek-musi-predem-pocitat-s-problemy\/#breadcrumbitem"}]}]