[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bosman.cz\/hypoteka-jako-zaklad\/#Article","mainEntityOfPage":"https:\/\/www.bosman.cz\/hypoteka-jako-zaklad\/","headline":"Hypot\u00e9ka jako z\u00e1klad","name":"Hypot\u00e9ka jako z\u00e1klad","description":"Tato \u0159e\u0161en\u00ed spo\u010d\u00edvaj\u00ed p\u0159edev\u0161\u00edm v tom, \u017ee se mus\u00ed pen\u00edze n\u011bkde p\u016fj\u010dit. A pozor, nebudeme zde \u0159e\u0161it to, kdy\u017e n\u011bkomu chyb\u00ed p\u0159ed v\u00fdplatou n\u011bkolik stokorun na pivo nebo na cig\u00e1ra. Budeme zde hovo\u0159it o milionech korun t\u0159eba na automobil, nebo dome\u010dek se zahr\u00e1dkou. A takov\u00e9 pen\u00edze n\u00e1m nep\u016fj\u010d\u00ed jen tak n\u011bkdo. Obrovsk\u00e9 sumy pen\u011bz v\u011bt\u0161inou","datePublished":"2026-04-22","dateModified":"2026-04-22","author":{"@type":"Person","@id":"https:\/\/www.bosman.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.bosman.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bosman.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bosman.cz\/wp-content\/uploads\/pexels-ibrahimboran-8254439.jpg","url":"https:\/\/www.bosman.cz\/wp-content\/uploads\/pexels-ibrahimboran-8254439.jpg","height":0,"width":0},"url":"https:\/\/www.bosman.cz\/hypoteka-jako-zaklad\/","about":["Zbo\u017e\u00ed"],"wordCount":433,"articleBody":"       Tato \u0159e\u0161en\u00ed spo\u010d\u00edvaj\u00ed p\u0159edev\u0161\u00edm v tom, \u017ee se mus\u00ed pen\u00edze n\u011bkde p\u016fj\u010dit. A pozor, nebudeme zde \u0159e\u0161it to, kdy\u017e n\u011bkomu chyb\u00ed p\u0159ed v\u00fdplatou n\u011bkolik stokorun na pivo nebo na cig\u00e1ra. Budeme zde hovo\u0159it o milionech korun t\u0159eba na automobil, nebo dome\u010dek se zahr\u00e1dkou. A takov\u00e9 pen\u00edze n\u00e1m nep\u016fj\u010d\u00ed jen tak n\u011bkdo. Obrovsk\u00e9 sumy pen\u011bz v\u011bt\u0161inou nem\u00edv\u00e1 ka\u017ed\u00fd doma \u201eve stro\u017eoku\u201c, jak se u n\u00e1s na Vala\u0161sku ob\u010das je\u0161t\u011b n\u011bkde \u0159\u00edk\u00e1. Je to hodn\u011b star\u00e9 \u00faslov\u00ed, kter\u00e9 se pou\u017e\u00edvalo tehdy, kdy se pen\u00edze ve stro\u017eoku skute\u010dn\u011b daly naj\u00edt. Sedl\u00e1ci nepou\u017e\u00edvali takov\u00e9 zbyte\u010dnosti jako je banka a prost\u011b skute\u010dn\u011b m\u011bli pen\u00edze doma.Co\u017e dnes ji\u017e prakticky neexistuje. A je\u0161t\u011b informace pro toho kdo nev\u00ed, co je to stro\u017eok. Je to vlastn\u011b matrace, tehdy je\u0161t\u011b v\u011bt\u0161inou nacpan\u00e1 sl\u00e1mou, tak\u017ee se j\u00ed \u0159\u00edkalo tak\u00e9 slamn\u00edk. Tak\u00e9 se mohla nacpat senem nebo bylinami, ale sl\u00e1ma byla p\u0159ece jen nejv\u00edce pou\u017e\u00edvan\u00e1. Nu\u017ee, po t\u00e9to mal\u00e9 odbo\u010dce se vr\u00e1t\u00edme zp\u00e1tky k pen\u011bz\u016fm. Takov\u00e9 velk\u00e9 sumy v\u00e1m p\u016fj\u010d\u00ed jedin\u011b v bance nebo spole\u010dnost, kter\u00e1 takov\u00e9 pen\u00edze m\u00e1. A proto\u017ee asi v\u0161ichni v\u00edme, jak to v bank\u00e1ch chod\u00ed, nebudeme si zbyte\u010dn\u011b nic nalh\u00e1vat, pod\u00edv\u00e1me se rovnou na n\u011bjakou spole\u010dnost. A s t\u00edm tak\u00e9 na finan\u010dn\u00ed produkt nazvan\u00fd nebankovn\u00ed americk\u00e1 hypot\u00e9ka fahd. O\u010d se vlastn\u011b jedn\u00e1? Jde o hypot\u00e9ku, kter\u00e1 nen\u00ed nikterak v\u00e1zan\u00e1 koup\u00ed nemovitosti. Jde tedy o hypot\u00e9ku ne\u00fa\u010delovou. M\u016f\u017eete se za ni koupit to, co pot\u0159ebujete a ne to, k \u010demu v\u00e1s nut\u00ed jinde. Nutno v\u0161ak \u0159\u00edci, \u017ee v\u011bt\u0161inou si za poskytnut\u00e9 pen\u00edze skute\u010dn\u011b lid\u00ed nejv\u00edce kupuj\u00ed pr\u00e1v\u011b ony nemovitosti. Tato v\u011bt\u0161\u00ed p\u016fj\u010dka je poskytovan\u00e1 dle v\u0161ech platn\u00fdch z\u00e1kon\u016f u n\u00e1s, jen se zde cel\u00e1 v\u011bc nezdr\u017euje n\u011bkter\u00fdmi zbyte\u010dn\u00fdmi formalitami. Tak\u00e9 se nic neschvaluje n\u011bkde v d\u00e1li naho\u0159e, obrazn\u011b \u0159e\u010deno, tak\u017ee se tak\u00e9 na nic ne\u010dek\u00e1. V\u0161e projedn\u00e1 kur\u00fdr a po podeps\u00e1n\u00ed a posouzen\u00ed smlouvy m\u00e1te je\u0161t\u011b t\u00fd\u017e den pen\u00edze na \u00fa\u010dtu. Ostatn\u011b, klikn\u011bte na odkaz a uvid\u00edte sami.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka jako z\u00e1klad","item":"https:\/\/www.bosman.cz\/hypoteka-jako-zaklad\/#breadcrumbitem"}]}]