[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.anena.cz\/sjednat-nebankovni-hypoteku-je-mozne-i-bez-nahlizeni-do-registru-dluzniku\/#Article","mainEntityOfPage":"https:\/\/www.anena.cz\/sjednat-nebankovni-hypoteku-je-mozne-i-bez-nahlizeni-do-registru-dluzniku\/","headline":"Sjednat nebankovn\u00ed hypot\u00e9ku je mo\u017en\u00e9 i bez nahl\u00ed\u017een\u00ed do registru dlu\u017en\u00edk\u016f","name":"Sjednat nebankovn\u00ed hypot\u00e9ku je mo\u017en\u00e9 i bez nahl\u00ed\u017een\u00ed do registru dlu\u017en\u00edk\u016f","description":"Hypote\u010dn\u00ed \u00fav\u011bry m\u016f\u017eeme rozd\u011blit podle n\u011bkolika krit\u00e9ri\u00ed. T\u00edm nejzn\u00e1m\u011bj\u0161\u00edm je rozli\u0161en\u00ed bankovn\u00edch hypot\u00e9k a nebankovn\u00edch hypot\u00e9k bez registru. Budeme-li oba … More<\/a>","datePublished":"2018-04-12","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.anena.cz\/author\/#Person","name":"anena.cz\n","url":"https:\/\/www.anena.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"anena.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.anena.cz\/wp-content\/uploads\/img_a315622_w1962_t1526497899.jpg","url":"https:\/\/www.anena.cz\/wp-content\/uploads\/img_a315622_w1962_t1526497899.jpg","height":0,"width":0},"url":"https:\/\/www.anena.cz\/sjednat-nebankovni-hypoteku-je-mozne-i-bez-nahlizeni-do-registru-dluzniku\/","about":["Pen\u00edze"],"wordCount":429,"articleBody":" Hypote\u010dn\u00ed \u00fav\u011bry m\u016f\u017eeme rozd\u011blit podle n\u011bkolika krit\u00e9ri\u00ed. T\u00edm nejzn\u00e1m\u011bj\u0161\u00edm je rozli\u0161en\u00ed bankovn\u00edch hypot\u00e9k a nebankovn\u00edch hypot\u00e9k bez registru. Budeme-li oba typy poskytovatel\u016f hrub\u011b porovn\u00e1vat, zpravidla b\u00fdvaj\u00ed bankovn\u00ed slu\u017eby levn\u011bj\u0161\u00ed (m\u00edrn\u011b ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby), ale po klientovi je vy\u017eadov\u00e1na cel\u00e1 \u0159ada doklad\u016f a potvrzen\u00ed, mimo jin\u00e9 i prokazateln\u00e1 bezdlu\u017enost bez z\u00e1znamu v registrech dlu\u017en\u00edk\u016f. Nebankovn\u00ed spole\u010dnosti poskytnou \u00fav\u011br i bez nahl\u00ed\u017een\u00ed do registr\u016f, ov\u0161em m\u00edru vy\u0161\u0161\u00edho rizika, kterou t\u00edm p\u00e1dem podstupuj\u00ed, vyva\u017euj\u00ed vy\u0161\u0161\u00edmi \u00faroky. V z\u00e1sad\u011b plat\u00ed jednoduch\u00e1 matematika: \u010c\u00edm je klient prov\u011b\u0159en\u011bj\u0161\u00ed, spolehliv\u011bj\u0161\u00ed, t\u00edm men\u0161\u00ed riziko p\u016fj\u010dit mu pen\u00edze, aby se v\u011b\u0159iteli navr\u00e1tily. A t\u00edm p\u00e1dem je mo\u017en\u00e9 mu v\u00edce ulevit na spl\u00e1tk\u00e1ch a celkov\u00e9 dlu\u017en\u00e9 \u010d\u00e1stce. Registry dlu\u017en\u00edk\u016f Registry dlu\u017en\u00edk\u016f (existuje jich v\u00edce) jsou r\u016fzn\u00e9 datab\u00e1ze, provozovan\u00e9 a evidovan\u00e9 na nonstop b\u011b\u017e\u00edc\u00edch serverech, v\u011bt\u0161inou p\u0159\u00edstupn\u00fdch online 24 hodin denn\u011b. Vkl\u00e1daj\u00ed se do nich \u00fadaje o ve\u0161ker\u00fdch dluz\u00edch, kter\u00e9 kdy m\u011bl klient u mnoha bankovn\u00edch, nebo nebankovn\u00edch subjekt\u016f. Jedn\u00e1 se tedy o jakousi soupisku v\u0161ech neuhrazen\u00fdch pohled\u00e1vek, resp. uhrazen\u00fdch po lh\u016ft\u011b splatnosti. Co to znamen\u00e1 pro instituce a jejich klienty? Instituce, p\u0159edev\u0161\u00edm banky, se t\u00edmto zp\u016fsobem chr\u00e1n\u00ed v\u016f\u010di neplati\u010d\u016fm. Jestli\u017ee toti\u017e potenci\u00e1ln\u00ed z\u00e1jemce po\u017e\u00e1d\u00e1 o bankovn\u00ed (p\u0159\u00edpadn\u011b nebankovn\u00ed) \u00fav\u011br, a m\u00e1-li v registru n\u011bjak\u00fd negativn\u00ed z\u00e1znam, m\u016f\u017ee mu b\u00fdt \u017e\u00e1dost o \u00fav\u011br dokonce zam\u00edtnuta. Nejvyu\u017e\u00edvan\u011bj\u0161\u00ed a nejv\u00edce zn\u00e1m\u00fd registr je tzv. SOLUS. Jedn\u00e1 se o registr Sdru\u017een\u00ed na ochranu leasingu a \u00fav\u011br\u016f. Maj\u00ed do n\u011bj p\u0159\u00edstup v\u0161echny banky, n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti, ale tak\u00e9 telekomunika\u010dn\u00ed firmy, nebo dodavatel\u00e9 a distributo\u0159i energi\u00ed. Sta\u010d\u00ed tedy pouh\u00e1 prodleva, nebo jedin\u00fd drobn\u00fd dluh nap\u0159. ohledn\u011b telefonn\u00edho pau\u0161\u00e1lu, a m\u016f\u017eete v SOLUSu m\u00edt z\u00e1znam. Druh\u00fd nejzn\u00e1m\u011bj\u0161\u00ed registr je Centr\u00e1ln\u00ed registr \u00fav\u011br\u016f (CR\u00da), zaveden\u00fd \u010ceskou n\u00e1rodn\u00ed bankou. Do tohoto registru maj\u00ed p\u0159\u00edstup v\u0161echny banky. K dal\u0161\u00edm zn\u00e1m\u00fdm registr\u016fm operuj\u00edc\u00edm na \u00fazem\u00ed \u010cR pat\u0159\u00ed nap\u0159. Leasing and Loan Credit Bureau (LLCB), anebo Czech Banking Credit Bureau (CBCB). 4.4\/5 - (12 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sjednat nebankovn\u00ed hypot\u00e9ku je mo\u017en\u00e9 i bez nahl\u00ed\u017een\u00ed do registru dlu\u017en\u00edk\u016f","item":"https:\/\/www.anena.cz\/sjednat-nebankovni-hypoteku-je-mozne-i-bez-nahlizeni-do-registru-dluzniku\/#breadcrumbitem"}]}]