[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cleus.cz\/pujcka-s-rucenim-nemovitosti-aneb-vse-co-musite-vedet\/#Article","mainEntityOfPage":"https:\/\/www.cleus.cz\/pujcka-s-rucenim-nemovitosti-aneb-vse-co-musite-vedet\/","headline":"P\u016fj\u010dka s ru\u010den\u00edm nemovitosti aneb v\u0161e co mus\u00edte v\u011bd\u011bt","name":"P\u016fj\u010dka s ru\u010den\u00edm nemovitosti aneb v\u0161e co mus\u00edte v\u011bd\u011bt","description":"Jak se postupuje u p\u016fj\u010dek kter\u00e9 jsou ru\u010den\u00e9 nemovitost\u00ed ? O jak\u00fd druh p\u016fj\u010dky se vlastn\u011b jedn\u00e1 ? Existuj\u00ed n\u011bjak\u00e9 podm\u00ednky kter\u00e9 mus\u00edm spl\u0148ovat ? A jak\u00e9 dokumenty si mus\u00edm p\u0159ipravit ? Tyto ot\u00e1zky jsou u v\u0161ech druh\u016f p\u016fj\u010dek stejn\u00e9, ka\u017ed\u00e9ho klienta zaj\u00edm\u00e1 hnedka n\u011bkolik informac\u00ed a to u\u017e z toho d\u016fvodu \u017ee se necht\u011bj\u00ed […]","datePublished":"2022-02-25","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.cleus.cz\/author\/#Person","name":"","url":"https:\/\/www.cleus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d693d76da4b3c2905ed32515295d3c5b2b37600a891f276917d3d592948bcc60?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cleus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cleus.cz\/wp-content\/uploads\/pujcka-na-vyplaceni-exekuce-bez-ruceni-nemovitosti.jpg","url":"https:\/\/www.cleus.cz\/wp-content\/uploads\/pujcka-na-vyplaceni-exekuce-bez-ruceni-nemovitosti.jpg","height":0,"width":0},"url":"https:\/\/www.cleus.cz\/pujcka-s-rucenim-nemovitosti-aneb-vse-co-musite-vedet\/","about":["Ekonomika"],"wordCount":920,"articleBody":"           Jak se postupuje u p\u016fj\u010dek kter\u00e9 jsou ru\u010den\u00e9 nemovitost\u00ed ? O jak\u00fd druh p\u016fj\u010dky se vlastn\u011b jedn\u00e1 ? Existuj\u00ed n\u011bjak\u00e9 podm\u00ednky kter\u00e9 mus\u00edm spl\u0148ovat ? A jak\u00e9 dokumenty si mus\u00edm p\u0159ipravit ? Tyto ot\u00e1zky jsou u v\u0161ech druh\u016f p\u016fj\u010dek stejn\u00e9, ka\u017ed\u00e9ho klienta zaj\u00edm\u00e1 hnedka n\u011bkolik informac\u00ed a to u\u017e z toho d\u016fvodu \u017ee se necht\u011bj\u00ed dostat do probl\u00e9m\u016f, a to je spr\u00e1vn\u011b. V\u017edy je dobr\u00e9 si v\u0161e pot\u0159ebn\u00e9 zjistit. A pr\u00e1v\u011b pro ty kte\u0159\u00ed uva\u017euj\u00ed o p\u016fj\u010dce s ru\u010den\u00edm nemovitosti, nebo o \u00fav\u011bru se z\u00e1stavou nemovitosti je tento \u010dl\u00e1nek to prav\u00e9. Ale u\u017e to nebudeme zbyte\u010dn\u011b zdr\u017eovat a m\u016f\u017eeme j\u00edt rovnou na v\u011bc. P\u016fj\u010dky ru\u010den\u00e9 nemovitost\u00ed a p\u016fj\u010dky se z\u00e1stavou nemovitosti maj\u00ed naprosto stejn\u00fd v\u00fdznam. Jedn\u00e1 se toti\u017e o jednu a tu samou v\u011bc, jedin\u00e9 \u010d\u00edm se tyto pojmy li\u0161\u00ed jsou jejich n\u00e1zvy. Tyto p\u016fj\u010dky se v\u0161ak preferuj\u00ed p\u0159edev\u0161\u00edm z toho d\u016fvodu \u017ee si t\u00edm m\u016f\u017eete zajistit n\u00edzk\u00fd \u00farok p\u0159i spl\u00e1cen\u00ed. Ru\u010den\u00ed samo o sob\u011b je jakousi jistotou pr\u00e1v\u011b pro dan\u00e9ho v\u011b\u0159itele ale i pro klienta. K ru\u010den\u00ed m\u016f\u017eete pou\u017e\u00edt jakoukoliv nemovitost a\u0165 u\u017e ve va\u0161em vlastnictv\u00ed nebo ve vlastnictv\u00ed tzv. t\u0159et\u00ed osoby ( t\u0159et\u00ed osoba = Ozna\u010den\u00ed pro osobu kter\u00e1 nen\u00ed sou\u010d\u00e1st\u00ed dan\u00e9ho pr\u00e1vn\u00edho vztahu). P\u016fj\u010dky kter\u00e9 jsou ru\u010den\u00e9 nemovitost\u00ed nebo p\u016fj\u010dky se z\u00e1stavou nemovitosti je mo\u017en\u00e9 splatit do 20 let, ov\u0161em se to podle va\u0161eho p\u0159\u00edjmu d\u00e1 splatit i d\u0159\u00edve nebo pr\u00e1v\u011b naopak i pozd\u011bji.Stejn\u011b jako u klasick\u00fdch p\u016fj\u010dek nebo hypot\u00e9k je tu i mo\u017enost ji\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00e9ho p\u0159ed\u010dasn\u00e9ho spl\u00e1cen\u00ed nebo tzv. refinancov\u00e1n\u00ed. Jako dal\u0161\u00ed mo\u017enost\u00ed si m\u016f\u017eete za\u017e\u00e1dat o tzv. nebankovn\u00ed p\u016fj\u010dku se z\u00e1stavou nemovitost\u00ed. Jedn\u00e1 se o p\u016fj\u010dka kter\u00e1 nen\u00ed s dan\u00fdm \u00fa\u010delov\u00fdm v\u00fdm\u011brem, tud\u00ed\u017e m\u016f\u017eete danou p\u016fj\u010dku utratit za co budete cht\u00edt. Tak\u017ee dan\u00e9 bance nemus\u00edte dokl\u00e1dat ve\u0161ker\u00e9 dokumenty o tom za co a kdy jste p\u016fj\u010den\u00e9 pen\u00edze utratili. Tento typ p\u016fj\u010dky je ur\u010den p\u0159edev\u0161\u00edm pro podnikatele. Stejn\u011b jako u ostatn\u00edch nebankovn\u00edch p\u016fj\u010dek i hypot\u00e9k, nebankovn\u00ed spole\u010dnosti preferuj\u00ed toti\u017e p\u0159edev\u0161\u00edm podnikatel\u00e9 a osoby v OSV\u010c. Na co si d\u00e1t pozor a co by jste si m\u011bly p\u0159edev\u0161\u00edm pohl\u00eddat ?  Jako prvn\u00ed byste si m\u011bli pohl\u00eddat p\u0159edev\u0161\u00edm, jakou \u010d\u00e1stku je banka schopna p\u016fj\u010dit, v\u017edy je lep\u0161\u00ed si prvn\u011b zjistit jakou \u010d\u00e1stku je dan\u00e1 banka p\u016fj\u010dit a pot\u00e9 to porovnat s ostatn\u00edmi bankami, proto\u017ee se v\u00e1m m\u016f\u017ee st\u00e1t \u017ee naraz\u00edte na banku, kter\u00e1 v\u00e1m nab\u00eddne v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky a podob. Za druh\u00e9 byste si m\u011bli hl\u00eddat i to jak vysok\u00e1 je \u00farokov\u00e1 sazba, ale tak\u00e9 byste se m\u011bli zaj\u00edmat o tzv. RPSN neboli ro\u010dn\u00ed n\u00e1kladov\u00e1 sazba \u00farok\u016f, RPSN je pro v\u00e1s d\u016fle\u017eit\u00e9 u\u017e z toho d\u016fvodu \u017ee v sob\u011b ukr\u00fdv\u00e1 ve\u0161ker\u00e9 poplatky k dan\u00e9 p\u016fj\u010dce. D\u00e1vejte si pozor na takzvan\u00e9 podvodn\u00e9 triky. Jedn\u00e1 se p\u0159edev\u0161\u00edm o tzv. Odkup nemovitosti spole\u010dn\u011b s v\u011bcn\u00fdm b\u0159emenem neboli revezn\u00ed hypot\u00e9ka – u tohoto podvodn\u00e9ho typu, to prob\u00edh\u00e1 p\u0159edev\u0161\u00edm tak \u017ee dan\u00e1 banka nebo spole\u010dnost od v\u00e1s odkoup\u00ed va\u0161\u00ed nemovitost a vy za to dostanete pen\u00edze. Vy od nich dostanete mo\u017enost \u017ee ve va\u0161\u00ed „b\u00fdval\u00e9“ nemovitosti m\u016f\u017eete lidov\u011b \u0159e\u010deno do\u017e\u00edt. Ale m\u016f\u017ee se st\u00e1t \u017ee v\u00e1s budou zkou\u0161et vym\u00e1hat. K \u017e\u00e1dosti o tuto p\u016fj\u010dku si p\u0159ipravte doklad o dolo\u017een\u00ed va\u0161eho p\u0159\u00edjmu a samoz\u0159ejm\u011b i ob\u010dansk\u00fd pr\u016fkaz. O p\u016fj\u010dky si mohou \u017e\u00e1dat pouze osoby star\u0161\u00ed 18ti let ! Co se t\u00fdk\u00e1 dokladu o dolo\u017een\u00ed p\u0159\u00edjmu, pokud jste osoba zam\u011bstnan\u00e1 sta\u010d\u00ed v\u00e1m klidn\u011b i v\u00fdplatn\u00ed p\u00e1sky. Pokud jste v\u0161ak osoba v OSV\u010c p\u0159ipravte si va\u0161e da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nejl\u00e9pe to nejnov\u011bj\u0161\u00ed. Pokud si o p\u016fj\u010dku za\u017e\u00e1d\u00e1te u banky, u kter\u00e9 m\u00e1te zalo\u017een\u00fd bankovn\u00ed \u00fa\u010det, ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f po v\u00e1s \u017e\u00e1dn\u00fd doklad o dolo\u017een\u00ed p\u0159\u00edjm\u016f cht\u00edt nebudou. A to z toho d\u016fvodu \u017ee si mohou z va\u0161eho \u00fa\u010dtu zjistit jak\u00fd je v\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Neberte to v\u017edy jako samoz\u0159ejmost a i p\u0159es to \u017ee u dan\u00e9 banky m\u00e1te zalo\u017een\u00fd bankovn\u00ed \u00fa\u010det, doklad o dolo\u017een\u00ed va\u0161eho p\u0159\u00edjmu si p\u0159ipravte. Nev\u00e1hejte, a zav\u00edtejte i na str\u00e1nku, ur\u010denou pr\u00e1v\u011b pro t\u00e9ma p\u016fj\u010dka ru\u010den\u00e1 nemovitost\u00ed lightfinance.cz kde v\u00e1m v\u0161e tak\u00e9 dokonale vysv\u011btl\u00ed, a z\u00e1rove\u0148 v\u00e1m mohou i telefonicky poradit co je pro v\u00e1s ta spr\u00e1vn\u00e1 volba.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka s ru\u010den\u00edm nemovitosti aneb v\u0161e co mus\u00edte v\u011bd\u011bt","item":"https:\/\/www.cleus.cz\/pujcka-s-rucenim-nemovitosti-aneb-vse-co-musite-vedet\/#breadcrumbitem"}]}]