{"id":616,"date":"2024-08-21T13:21:12","date_gmt":"2024-08-21T12:21:12","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=616"},"modified":"2024-08-21T15:40:36","modified_gmt":"2024-08-21T14:40:36","slug":"hypoteka-po-insolvenci","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/hypoteka-po-insolvenci\/","title":{"rendered":"3 \u0161ance, jak z\u00edskat hypot\u00e9ku po insolvenci"},"content":{"rendered":"\n

Vyhl\u00e1\u0161en\u00ed insolvence a z\u00e1pis v insolven\u010dn\u00edm rejst\u0159\u00edku jsou z\u00e1sadn\u00ed jizvou na finan\u010dn\u00ed d\u016fv\u011bryhodnosti dlu\u017en\u00edka<\/strong>. Jeho dal\u0161\u00ed kroky k jak\u00fdmkoli \u00fav\u011br\u016fm v\u010detn\u011b hypot\u00e9ky budou mnohem obt\u00ed\u017en\u011bj\u0161\u00ed<\/strong> a vy\u017e\u00e1daj\u00ed si nejenom v\u011bt\u0161\u00ed trp\u011blivost<\/strong>, ale i velkou m\u00edru zku\u0161enost\u00ed s jednotliv\u00fdmi bankami<\/strong> a jejich p\u0159\u00edstupem, n\u011bkdy i zv\u00fd\u0161en\u00e9 n\u00e1klady na \u00fav\u011br<\/strong>.<\/p>\n\n\n\n

Poj\u010fme se spole\u010dn\u011b kouknout, jak\u00e9 mo\u017enosti se v\u00e1m nab\u00edz\u00ed, pokud \u017e\u00e1d\u00e1te o hypot\u00e9ku po insolvenci.<\/p>\n\n\n\n

1. Jak po insolvenci na hypot\u00e9ku u banky<\/h2>\n\n\n\n

\u017d\u00e1dost o hypot\u00e9ku v bance za\u010d\u00edn\u00e1 <\/strong>posouzen\u00edm bonity<\/strong><\/a> \u017eadatele ze strany odboru rizik. V r\u00e1mci n\u011bho bankovn\u00ed \u00fa\u0159edn\u00edci nahl\u00e9dnou i do insolven\u010dn\u00edch rejst\u0159\u00edk\u016f<\/strong> a z\u00edskaj\u00ed dobr\u00fd p\u0159ehled o insolvenc\u00edch, exekuc\u00edch nebo zpo\u017ed\u011bn\u00fdch platb\u00e1ch potenci\u00e1ln\u00edho z\u00e1kazn\u00edka za posledn\u00edch p\u011bt let. Odm\u00edtnut\u00ed z\u00e1kazn\u00edk\u016f s problematick\u00fdmi z\u00e1znamy v registru<\/strong> je pak pro banku z\u00e1sadn\u00edm bezpe\u010dnostn\u00edm prvkem: pravd\u011bpodobnost, \u017ee kdo neplatil svoje \u00fa\u010dty v minulosti, nebude je platit ani v budoucnosti, je hodnocena jako vysok\u00e1.<\/p>\n\n\n\n

Je tedy \u017e\u00e1dost o hypot\u00e9ku po insolvenci u banky bez \u0161ance? Se zp\u0159\u00eds\u0148ov\u00e1n\u00edm podm\u00ednek v posledn\u00ed dob\u011b se d\u00e1 \u0159\u00edci, \u017ee v mnoha ohledech a v prvn\u00edch letech ano.<\/p>\n\n\n\n

P\u011bt let<\/strong> standardn\u011b trv\u00e1, ne\u017e se va\u0161e jm\u00e9no dostane po ukon\u010den\u00ed insolvence z insolven\u010dn\u00edho rejst\u0159\u00edku<\/strong>. Na rozd\u00edl od minulosti u\u017e nelze \u017e\u00e1dat o vymaz\u00e1n\u00ed jm\u00e9na z rejst\u0159\u00edku na z\u00e1klad\u011b ochrany osobn\u00edch \u00fadaj\u016f.<\/p>\n\n\n\n

\u010cty\u0159i roky<\/strong> je minim\u00e1ln\u00ed doba, kterou byste m\u011bli po insolvenci po\u010dkat<\/strong>, ne\u017e za\u010dnete o hypot\u00e9ce uva\u017eovat. Po \u010dty\u0159ech letech jsou u\u017e n\u011bkter\u00e9 banky ochotn\u00e9 znovu zv\u00e1\u017eit va\u0161i situaci a vyhodnotit ji individu\u00e1ln\u011b<\/strong> i s p\u0159ihl\u00e9dnut\u00edm k tomu, z jak\u00e9ho d\u016fvodu insolvence vznikla<\/strong>, jak jste si od t\u00e9 doby dok\u00e1zali ud\u011blat ve financ\u00edch po\u0159\u00e1dek a jakou z\u00e1stavu m\u016f\u017eete bance d\u00e1t<\/a>.<\/p>\n\n\n\n

Ne\u00fasp\u011b\u0161n\u00e1 \u017e\u00e1dost o hypot\u00e9ku<\/strong> m\u016f\u017ee nicm\u00e9n\u011b va\u0161i situaci nov\u011b zkomplikovat<\/strong>, proto\u017ee do rejst\u0159\u00edku je odeslan\u00e1 informace o zam\u00edtnut\u00e9m \u00fav\u011bru<\/strong>. Proto byste zvl\u00e1\u0161t\u011b po insolvenci, ale obvykle i v jin\u00fdch p\u0159\u00edpadech m\u011bli koordinovat sv\u00e9 kroky s nez\u00e1visl\u00fdm hypote\u010dn\u00edm poradcem<\/a>, kter\u00fd bude v\u011bd\u011bt, u kter\u00e9 banky m\u00e1te \u0161anci usp\u011bt.<\/p>\n\n\n\n

Zji\u0161\u0165ovali jsme u bank: Zkomplikuje jedna zam\u00edtnut\u00e1 \u017e\u00e1dost dal\u0161\u00ed \u00fav\u011br?<\/h3>\n\n\n\n
\u010cesk\u00e1 spo\u0159itelna<\/a><\/td>Obecn\u011b zam\u00edtnut\u00e1 \u017e\u00e1dost bankou klientovi moc nepom\u016f\u017ee v budouc\u00edm posuzov\u00e1n\u00ed \u017e\u00e1dosti klienta.<\/td><\/tr>
\u010cSOB \/ Hypote\u010dn\u00ed banka<\/a><\/td>Banka zpozorn\u00ed, je opatrn\u011bj\u0161\u00ed ve schvalov\u00e1n\u00ed, ale nemus\u00ed to b\u00fdt d\u016fvod k zam\u00edtnut\u00ed.<\/td><\/tr>
Komer\u010dn\u00ed banka<\/a><\/td>Obecn\u011b \u017eadatel se z\u00e1znamem v rejst\u0159\u00edku m\u00e1 minim\u00e1ln\u00ed \u0161anci z\u00edskat \u00fav\u011br, zam\u00edtnut\u00e1 \u017e\u00e1dost zhor\u0161uje klient\u016fv rating.<\/td><\/tr>
Raiff<\/a>e<\/a>isenbank<\/a><\/td>Ke ka\u017ed\u00e9 \u017e\u00e1dosti p\u0159istupujeme individu\u00e1ln\u011b. To, co vad\u00ed u jednoho klienta z\u00e1sadn\u011b, u druh\u00e9ho m\u016f\u017ee proj\u00edt.<\/td><\/tr>
Oberbank<\/a><\/td>Zam\u00edtnut\u00e9 \u017e\u00e1dosti v registru extra ne\u0159e\u0161\u00edme, v tomto p\u0159\u00edpad\u011b v\u00edme, \u017ee banky maj\u00ed limit 5 let, a tud\u00ed\u017e je n\u00e1m jasn\u00fd typ zam\u00edtnut\u00ed.<\/td><\/tr>
Unicredit Bank<\/a><\/td>Bude vid\u011bt zam\u00edtnut\u00e1 \u017e\u00e1dost, je na posouzen\u00ed ka\u017ed\u00e9 banky, jak k tomu bude pohl\u00ed\u017eet, kdy\u017e se budou klientovi stohovat odm\u00edtnut\u00e9 \u017e\u00e1dosti. Obvykle to b\u00fdv\u00e1 negativum.<\/td><\/tr><\/tbody><\/table>
Zkomplikuje zam\u00edtnut\u00e1 \u017e\u00e1dost po insolvenci dal\u0161\u00ed \u00fav\u011bry?<\/figcaption><\/figure>\n\n\n\n

Pro n\u011bkter\u00e9 instituce je insolvence p\u0159ek\u00e1\u017ekou pro poskytnut\u00ed \u00fav\u011bru i po v\u00edce ne\u017e p\u011bti letech.<\/p>\n\n\n\n

Zji\u0161\u0165ovali jsme u bank: Poskytnou hypot\u00e9ku po insolvenci?<\/h3>\n\n\n\n
\u010cesk\u00e1 spo\u0159itelna<\/a><\/td>Ur\u010dit\u011b ne p\u0159ed v\u00fdmazem z rejst\u0159\u00edku a v n\u011bkter\u00fdch p\u0159\u00edpadech to bohu\u017eel nen\u00ed mo\u017en\u00e9 ani po v\u00fdmazu z rejst\u0159\u00edku. Z\u00e1le\u017e\u00ed na pr\u016f\u0161viz\u00edch klienta.<\/td><\/tr>
Komer\u010dn\u00ed banka<\/a><\/td>Minim\u00e1ln\u011b 5 let je financov\u00e1n\u00ed v KB nemo\u017en\u00e9.<\/td><\/tr>
\u010cSOB \/ Hypote\u010dn\u00ed banka<\/a><\/td>Dokud je vid\u011bt insolvence v rejst\u0159\u00edku, tak z\u00e1sadn\u011b ne. Po v\u00fdmazu jen velmi omezen\u011b a individu\u00e1ln\u011b<\/td><\/tr>
Raiffeisenbank<\/a><\/td>P\u0159ed v\u00fdmazem z rejst\u0159\u00edku ur\u010dit\u011b ne, po v\u00fdmazu p\u0159istupujeme individu\u00e1ln\u011b.<\/td><\/tr>
Oberbank<\/a><\/td>Klienty po insolvenci akceptujeme nejd\u0159\u00edve po t\u0159ech letech, ale ide\u00e1ln\u011b s LTV 60 %.<\/td><\/tr>
Unicredit Bank<\/a><\/td>UCB je insolvence KO, dokud je viditeln\u00e1 v rejst\u0159\u00edku. Obvykle souvis\u00ed s n\u011bjak\u00fdm \u00fav\u011brov\u00fdm z\u00e1vazkem, kde b\u00fdv\u00e1 nap\u0159\u00edklad zesplatn\u011bn\u00ed \u00fav\u011bru vid\u011bt i pot\u00e9, co je insolvence ji\u017e vy\u0159e\u0161en\u00e1, co\u017e je bohu\u017eel tak\u00e9 KO.<\/td><\/tr><\/tbody><\/table>
Poskytnou banky hypot\u00e9ku po insolvenci?<\/figcaption><\/figure>\n\n\n\n

2. Nebankovn\u00ed hypot\u00e9ka po insolvenci<\/h2>\n\n\n\n

Nebankovn\u00ed instituce jsou obvykle v hodnocen\u00ed bonity sv\u00fdch klient\u016f m\u00e9n\u011b p\u0159\u00edsn\u00e9 <\/strong>ne\u017e banky a \u010dasto dok\u00e1\u017eou naj\u00edt \u0159e\u0161en\u00ed i pro ty, kter\u00fdm se banky vyhnou. S \u010d\u00edm v\u011bt\u0161\u00edm rizikem ale pracuj\u00ed, t\u00edm v\u00edce navy\u0161uj\u00ed \u00faroky a spl\u00e1tky<\/strong>. Hypot\u00e9ka u nebankovn\u00ed instituce tak pro v\u00e1s m\u016f\u017ee b\u00fdt zvl\u00e1\u0161t\u011b po insolvenci velmi drah\u00e1.<\/p>\n\n\n\n

P\u0159esto se v\u00e1m za n\u011bkter\u00fdch okolnost\u00ed m\u016f\u017ee poda\u0159it takovou hypot\u00e9ku pozd\u011bji refinancovat u banky<\/strong> (refinancov\u00e1n\u00ed hypot\u00e9ky<\/a> obvykle neprov\u00e1z\u00ed tak p\u0159\u00edsn\u00e9 hodnocen\u00ed klienta), a t\u00edm dos\u00e1hnete i na lep\u0161\u00ed podm\u00ednky hypot\u00e9ky<\/a>.<\/p>\n\n\n\n

3. Hypot\u00e9ka po insolvenci p\u0159es n\u011bkoho jin\u00e9ho<\/h2>\n\n\n\n

D\u0159\u00edve si \u017eadatel\u00e9 o hypot\u00e9ku po insolvenci zvy\u0161ovali svoje \u0161ance t\u00edm, \u017ee k hypot\u00e9ce p\u0159izvali jako spolu\u017eadatele <\/strong>n\u011bkoho dal\u0161\u00edho. V posledn\u00edch letech se nicm\u00e9n\u011b banky chovaj\u00ed velmi p\u0159\u00edsn\u011b ke ka\u017ed\u00e9 \u017e\u00e1dosti o hypot\u00e9ku, v r\u00e1mci kter\u00e9 n\u011bkdo po insolvenci figuruje. Banka tak nebude v prvn\u00edch \u010dty\u0159ech letech s nejvy\u0161\u0161\u00ed pravd\u011bpodobnost\u00ed akceptovat ani takovou \u017e\u00e1dost, kde \u010derstv\u011b oddlu\u017een\u00e1 osoba vystupuje i v roli pouh\u00e9ho spoluru\u010ditele.<\/p>\n\n\n\n

Jako \u0159e\u0161en\u00ed se tak nab\u00edz\u00ed \u010derp\u00e1n\u00ed \u00fav\u011bru \u010dist\u011b ze strany osob, kter\u00e9 nejsou vedeny v insolven\u010dn\u00edm rejst\u0159\u00edku<\/strong>. Vzhledem k m\u00ed\u0159e z\u00e1vazku, kter\u00e1 pro takov\u00e9 osoby vypl\u00fdv\u00e1, je pak jasn\u00e9, \u017ee se bude jednat z\u0159ejm\u011b o velmi bl\u00edzk\u00e9 p\u0159\u00edbuzn\u00e9<\/strong>.<\/p>\n\n\n\n

V takov\u00e9m p\u0159\u00edpad\u011b ale po\u010d\u00edtejte s t\u00edm, \u017ee pr\u00e1v\u011b bonita, p\u0159\u00edjmy a mo\u017enosti takov\u00fdch \u017eadatel\u016f budou z\u00e1sadn\u00ed pro v\u00fdpo\u010det maxim\u00e1ln\u00ed v\u00fd\u0161e hypot\u00e9ky<\/a>. V p\u0159\u00edpad\u011b star\u0161\u00edch rodi\u010d\u016f pak bude velkou roli hr\u00e1t v\u011bk, proto\u017ee nejen\u017ee \u010cNB stanovuje p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky pro \u010derp\u00e1n\u00ed hypot\u00e9ky pro osoby nad 36 let<\/a>, ale z\u00e1rove\u0148 banky cht\u011bj\u00ed m\u00edt sv\u00e9 \u00fav\u011bry splacen\u00e9 obvykle p\u0159ed 70. rokem v\u011bku \u017eadatele. To zkracuje dobu spl\u00e1cen\u00ed a navy\u0161uje m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/a>.<\/p>\n\n\n\n

Vyzkou\u0161ejte si sami, na jak vysokou hy<\/a>p<\/a>ot\u00e9ku lze takto dos\u00e1hnout<\/a>.<\/p>\n\n\n\n