[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.octave.cz\/jak-ziskat-hypoteku-po-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.octave.cz\/jak-ziskat-hypoteku-po-insolvenci\/","headline":"Jak z\u00edskat hypot\u00e9ku po insolvenci?","name":"Jak z\u00edskat hypot\u00e9ku po insolvenci?","description":"V posledn\u00edch letech roste po\u010det lid\u00ed, kte\u0159\u00ed zvol\u00ed osobn\u00ed bankrot, aby se mohli osvobodit od dluh\u016f a za\u010d\u00edt s \u010dist\u00fdm \u0161t\u00edtem. Po letech, kdy jste","datePublished":"2022-06-19","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.octave.cz\/author\/#Person","name":"","url":"https:\/\/www.octave.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"octave.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.octave.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386366_1.jpg","url":"https:\/\/www.octave.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386366_1.jpg","height":0,"width":0},"url":"https:\/\/www.octave.cz\/jak-ziskat-hypoteku-po-insolvenci\/","about":["Finance"],"wordCount":466,"articleBody":"   V posledn\u00edch letech roste po\u010det lid\u00ed, kte\u0159\u00ed zvol\u00ed osobn\u00ed bankrot, aby se mohli osvobodit od dluh\u016f a za\u010d\u00edt s \u010dist\u00fdm \u0161t\u00edtem. Po letech, kdy jste museli vy\u017e\u00edt z minim\u00e1ln\u00ed mzdy a zbytek odv\u00e1d\u011bli st\u00e1tu na spl\u00e1tku sv\u00fdch dluh\u016f, si ur\u010dit\u011b chcete dop\u0159\u00e1t n\u011bco, co jste p\u0159edt\u00edm nemohli. Jako nap\u0159\u00edklad hypot\u00e9ku na sv\u00e9 vlastn\u00ed bydlen\u00ed.Ale bohu\u017eel, skon\u010den\u00edm insolvence neznamen\u00e1, \u017ee za\u010d\u00edn\u00e1te s \u010dist\u00fdm \u0161t\u00edtem. Po skon\u010den\u00ed insolvence je va\u0161e jm\u00e9no vedeno je\u0161t\u011b p\u011bt let v tzv. insolven\u010dn\u00edm rejst\u0159\u00edku. Do toho jste uvedeni prakticky i hned po pod\u00e1n\u00ed n\u00e1vrhu na insolvenci. D\u0159\u00edv\u011bj\u0161\u00ed vymaz\u00e1n\u00ed nen\u00ed nijak mo\u017en\u00e9.Jedna z podm\u00ednek hypot\u00e9ky je, \u017ee va\u0161e jm\u00e9no nebude v tomto insolven\u010dn\u00edm rejst\u0159\u00edku figurovat. Pokud ano, pro banku se st\u00e1v\u00e1te potencion\u00e1ln\u011b nespolehliv\u00fdm klientem, kter\u00fd by m\u011bl do budoucna probl\u00e9my se spl\u00e1cen\u00edm hypote\u010dn\u00edho \u00fav\u011bru. P\u0159edpokl\u00e1d\u00e1 se, \u017ee b\u011bhem p\u011bti let, kdy z\u016fstane v rejst\u0159\u00edku, a nebude ji\u017e platit \u017e\u00e1dn\u00e9 dluhy, si bude moci vytvo\u0159it finan\u010dn\u00ed rezervu, kter\u00e1 mu s financov\u00e1n\u00edm \u00fav\u011bru pom\u016f\u017ee.M\u016f\u017eete se samoz\u0159ejm\u011b pokusit d\u00e1t si \u017e\u00e1dost i z\u00edsk\u00e1n\u00ed hypot\u00e9ky, ale banka v\u00e1m ho s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed zam\u00edtne. Hraje zde roli i \u010das, kolik v\u00e1m je\u0161t\u011b zb\u00fdv\u00e1 do v\u00fdmazu z rejst\u0159\u00edku. Pokud jste t\u0159eba m\u011bs\u00edc, dva po skon\u010den\u00ed insolvence, nejsp\u00ed\u0161 nem\u00e1 ani cenu si \u017e\u00e1dost pod\u00e1vat. Pokud je to v\u00edce jak \u010dty\u0159i roky, nad\u011bje je p\u0159ece jen o n\u011bco v\u011bt\u0161\u00ed.Pokud v\u0161ak disponujete t\u0159eba nemovitost\u00ed, kterou byste mohli ru\u010dit za sv\u016fj hypote\u010dn\u00ed \u00fav\u011br, je pro v\u00e1s mo\u017enost z\u00edskat hypot\u00e9ku po insolvenci. Zkuste se obr\u00e1nit na nebankovn\u00ed spole\u010dnost. Ti v\u011bt\u0161inou do podrobna neprov\u011b\u0159uj\u00ed registry dlu\u017en\u00edk\u016f \u010di insolven\u010dn\u00ed rejst\u0159\u00edky. V\u011bt\u0161inou sta\u010d\u00ed m\u00edt k dispozici nemovitost, va\u0161\u00ed nebo n\u011b\u010d\u00ed jinou, kterou byste mohli za sv\u016fj hypote\u010dn\u00ed \u00fav\u011br ru\u010dit. Pak m\u016f\u017eete hypot\u00e9ku dostat velmi brzy po skon\u010den\u00ed insolvence. Mo\u017en\u00e1 to pro v\u00e1s nep\u0159edstavuje ide\u00e1ln\u00ed mo\u017enost a rad\u011bji byste cht\u011bli hypote\u010dn\u00ed \u00fav\u011br od banky. Pravdou ale je, \u017ee v \u010dase po skon\u010den\u00ed insolvence, nem\u00e1te moc na v\u00fdb\u011br. Zva\u017ete tedy v\u0161echna pro a proti, p\u0159\u00edpadn\u011b se obra\u0165te pro radu na hypote\u010dn\u00edho poradce.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak z\u00edskat hypot\u00e9ku po insolvenci?","item":"https:\/\/www.octave.cz\/jak-ziskat-hypoteku-po-insolvenci\/#breadcrumbitem"}]}]