[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-zastavy-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-zastavy-nemovitosti\/","headline":"P\u016fj\u010dka a \u00fav\u011br bez z\u00e1stavy nemovitosti","name":"P\u016fj\u010dka a \u00fav\u011br bez z\u00e1stavy nemovitosti","description":"P\u0159em\u00fd\u0161l\u00edte o \u00fav\u011bru, ale nem\u00e1te \u017e\u00e1dnou nemovitost, kterou byste mohli ru\u010dit? Banky i nebankovn\u00ed spole\u010dnosti poskytuj\u00ed i \u00fav\u011br bez zaji\u0161t\u011bn\u00ed nemovitost\u00ed. Nemus\u00edte nemovitost vlastnit, abyste z\u00edskali b\u011b\u017enou p\u016fj\u010dku. \u00dav\u011br bez z\u00e1stavy nemovitosti m\u016f\u017ee b\u00fdt kr\u00e1tkodob\u00fd nebo i dlouhodob\u00fd. I jeho v\u00fd\u0161e se m\u016f\u017ee li\u0161it, na trhu se nab\u00edz\u00ed produkty s&nbsp;r\u016fzn\u00fdmi \u010d\u00e1stkami. V\u011bt\u0161ina p\u016fj\u010dek je bez &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-zastavy-nemovitosti\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br bez z\u00e1stavy nemovitosti<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-02","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver-bez-zastavy-nemovitosti\/","about":["P\u016fj\u010dky"],"wordCount":475,"articleBody":"P\u0159em\u00fd\u0161l\u00edte o \u00fav\u011bru, ale nem\u00e1te \u017e\u00e1dnou nemovitost, kterou byste mohli ru\u010dit? Banky i nebankovn\u00ed spole\u010dnosti poskytuj\u00ed i \u00fav\u011br bez zaji\u0161t\u011bn\u00ed nemovitost\u00ed. Nemus\u00edte nemovitost vlastnit, abyste z\u00edskali b\u011b\u017enou p\u016fj\u010dku. \u00dav\u011br bez z\u00e1stavy nemovitosti m\u016f\u017ee b\u00fdt kr\u00e1tkodob\u00fd nebo i dlouhodob\u00fd. I jeho v\u00fd\u0161e se m\u016f\u017ee li\u0161it, na trhu se nab\u00edz\u00ed produkty s&nbsp;r\u016fzn\u00fdmi \u010d\u00e1stkami. V\u011bt\u0161ina p\u016fj\u010dek je bez zaji\u0161t\u011bn\u00ed, kter\u00e9 b\u011b\u017en\u011b najdete pod n\u00e1zvem p\u016fj\u010dka bez z\u00e1stavy nemovitosti.\tKomplikovan\u011bj\u0161\u00ed p\u0159\u00edpadyZd\u00e1 se V\u00e1m to pom\u011brn\u011b jednoduch\u00e9? To je moc dob\u0159e, v&nbsp;tom p\u0159\u00edpad\u011b m\u016f\u017eeme nahl\u00e9dnout hloub\u011bji. Kdy\u017e se \u0159ekne \u00fav\u011br na nemovitost, m\u016f\u017eeme si p\u0159edstavit hypot\u00e9ku. Jin\u00fd n\u00e1zev je p\u016fj\u010dka na nemovitost. Kdy\u017e se \u0159ekne hypot\u00e9ka tak v\u00edme, \u017ee se v\u017edy ru\u010d\u00ed nemovitost\u00ed, tak\u017ee jak to bude v&nbsp;p\u0159\u00edpad\u011b, \u017ee nem\u016f\u017eeme ru\u010dit? Pokud \u017e\u00e1dnou nemovitost nevlastn\u00edme nebo si teprve chceme po\u0159izovat byt, nem\u00e1me jej vybran\u00fd nebo prozat\u00edm pat\u0159\u00ed dru\u017estvu, \u010di chceme za\u010d\u00edt stav\u011bt, tak jak to bude? Hypot\u00e9ka je v\u017edy spjat\u00e1 se z\u00e1stavou a tak\u00e9 s&nbsp;bydlen\u00edm, pen\u00edze se v\u017edy vyu\u017e\u00edvaj\u00ed na bydlen\u00ed. V&nbsp;p\u0159\u00edpad\u011b hypot\u00e9ky, kdy nem\u00e1me nemovitost, m\u016f\u017eeme vyu\u017e\u00edt takzvan\u00e9ho p\u0159eklenovac\u00edho \u00fav\u011bru nebo p\u0159edhypote\u010dn\u00edho \u00fav\u011bru. P\u0159eklenovac\u00ed \u00fav\u011br znamen\u00e1 n\u00e1vaznost na stavebn\u00ed spo\u0159en\u00ed, takzvan\u00e9 stavebko. To mus\u00edte m\u00edt za\u0159\u00edzen\u00e9 alespo\u0148 dva roky, abyste mohli p\u0159es n\u011bj \u010derpat \u00fav\u011br a vyu\u017e\u00edt p\u0159eklenovac\u00ed \u00fav\u011br. Bu\u010fto jej zprost\u0159edkuj\u00ed rovnou v&nbsp;r\u00e1mci stavebn\u00edho spo\u0159en\u00ed \u010dili stavebn\u00ed spo\u0159itelny, pokud chcete vyu\u017e\u00edt pr\u00e1v\u011b &bdquo;stavebko&ldquo; na investici do bydlen\u00ed, nebo m\u016f\u017eete vyu\u017e\u00edt p\u0159edhypote\u010dn\u00ed \u00fav\u011br. Ten mohou zprost\u0159edkovat banky. P\u0159edhypote\u010dn\u00ed \u00fav\u011br se vyu\u017e\u00edv\u00e1 pouze v&nbsp;situaci, kdy si chcete zajistit bydlen\u00ed a nem\u00e1te na danou nemovitost zat\u00edm je\u0161t\u011b pr\u00e1vn\u00ed n\u00e1rok \u010dili ji nevlastn\u00edte, tud\u00ed\u017e ji zat\u00edm nem\u016f\u017eete d\u00e1t do ru\u010den\u00ed. M\u016f\u017eeme uv\u00e9st jako p\u0159\u00edklad koupi bytu. To znamen\u00e1, \u017ee banka klientovi poskytne pen\u00edze pr\u00e1v\u011b na nemovitost, kterou n\u00e1sledn\u011b koup\u00ed a d\u00e1 do z\u00e1stavy. Jestli\u017ee se vr\u00e1t\u00edme k&nbsp;p\u016fvodn\u00edmu t\u00e9matu, tak p\u016fj\u010dka bez z\u00e1stavy znamen\u00e1, \u017ee nemus\u00edte ru\u010dit \u017e\u00e1dnou nemovitost\u00ed. Takov\u00fdchto p\u016fj\u010dek je v\u011bt\u0161ina a funguj\u00ed v&nbsp;nebankovn\u00edm i bankovn\u00edm sektoru.                                                                                                                                                                                                                                                                                                                                                                                                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