[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ligus.cz\/hypotecni-uver-na-chatu\/#Article","mainEntityOfPage":"https:\/\/www.ligus.cz\/hypotecni-uver-na-chatu\/","headline":"Hypote\u010dn\u00ed \u00fav\u011br na chatu","name":"Hypote\u010dn\u00ed \u00fav\u011br na chatu","description":"Hypote\u010dn\u00ed \u00fav\u011br na chatu Cht\u011bli byste si po\u0159\u00eddit chatu, ale nem\u00e1te na ni dostate\u010dn\u00fd finan\u010dn\u00ed obnos? Nejen na nemovitost ur\u010denou k trval\u00e9mu ob\u00fdv\u00e1n\u00ed je mo\u017en\u00e9 z\u00edskat hypote\u010dn\u00ed \u00fav\u011br. Tuto mo\u017enost m\u00e1te v n\u011bkter\u00fdch p\u0159\u00edpadech tak\u00e9 p\u0159i po\u0159\u00edzen\u00ed rekrea\u010dn\u00edho objektu. Mo\u017enost z\u00edsk\u00e1n\u00ed hypot\u00e9ky na chatu V p\u0159\u00edpad\u011b, \u017ee chcete z\u00edskat \u00fav\u011br na rekrea\u010dn\u00ed objekt, banky jsou …","datePublished":"2026-05-18","dateModified":"2026-05-18","author":{"@type":"Person","@id":"https:\/\/www.ligus.cz\/author\/#Person","name":"","url":"https:\/\/www.ligus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/baa231f7e1963b29d6549eb0e137b049d877d4e97c51386f463c7d4fc98329bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ligus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ligus.cz\/wp-content\/uploads\/tierramallorca-build-a-house-4503738_640.jpg","url":"https:\/\/www.ligus.cz\/wp-content\/uploads\/tierramallorca-build-a-house-4503738_640.jpg","height":0,"width":0},"url":"https:\/\/www.ligus.cz\/hypotecni-uver-na-chatu\/","about":["N\u00e1kupy"],"wordCount":425,"articleBody":"       Hypote\u010dn\u00ed \u00fav\u011br na chatuCht\u011bli byste si po\u0159\u00eddit chatu, ale nem\u00e1te na ni dostate\u010dn\u00fd finan\u010dn\u00ed obnos? Nejen na nemovitost ur\u010denou k trval\u00e9mu ob\u00fdv\u00e1n\u00ed je mo\u017en\u00e9 z\u00edskat hypote\u010dn\u00ed \u00fav\u011br. Tuto mo\u017enost m\u00e1te v n\u011bkter\u00fdch p\u0159\u00edpadech tak\u00e9 p\u0159i po\u0159\u00edzen\u00ed rekrea\u010dn\u00edho objektu.Mo\u017enost z\u00edsk\u00e1n\u00ed hypot\u00e9ky na chatuV p\u0159\u00edpad\u011b, \u017ee chcete z\u00edskat \u00fav\u011br na rekrea\u010dn\u00ed objekt, banky jsou v tomto ohledu p\u0159\u00edsn\u011bj\u0161\u00ed. Je toti\u017e nutn\u00e9 splnit n\u011bkolik d\u016fle\u017eit\u00fdch povinnost\u00ed. Chata, na kterou chcete \u010derpat hypot\u00e9ku, mus\u00ed m\u00edt eviden\u010dn\u00ed \u010di popisn\u00e9 \u010d\u00edslo, mus\u00ed st\u00e1t na vlastn\u00edm pozemku a m\u011bla by b\u00fdt v dobr\u00e9m stavu. D\u016fle\u017eit\u00e9 je tak\u00e9 to, aby byl dan\u00fd objekt zaps\u00e1n v katastru nemovitost\u00ed s p\u0159id\u011blen\u00fdm \u010d\u00edslem popisn\u00fdm \u010di eviden\u010dn\u00edm. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f je nutn\u00e9 k z\u00e1stav\u011b pou\u017e\u00edt jinou nemovitost. V n\u011bkter\u00fdch p\u0159\u00edpadech je proto vhodn\u011bj\u0161\u00ed obr\u00e1tit se rad\u011bji na nebankovn\u00ed spole\u010dnost.Hlavn\u00ed v\u00fdhody nebankovn\u00ed hypot\u00e9ky na chatuHypot\u00e9ka na chatu Nebankovn\u00ed hypot\u00e9ka se d\u00e1 z\u00edskat pom\u011brn\u011b snadno. Mezi jej\u00ed hlavn\u00ed v\u00fdhody pat\u0159\u00ed p\u0159edev\u0161\u00edm benevolentn\u011bj\u0161\u00ed podm\u00ednky a men\u0161\u00ed administrativa. Snaz\u0161\u00ed je i financov\u00e1n\u00ed star\u0161\u00edch rekrea\u010dn\u00edch objekt\u016f a v n\u011bkter\u00fdch p\u0159\u00edpadech i bez \u010d\u00edsla popisn\u00e9ho nebo bez eviden\u010dn\u00edho \u010d\u00edsla. N\u011bkdy je mo\u017en\u00e9 z\u00edskat takovou hypot\u00e9ku ji\u017e b\u011bhem n\u011bkolika dn\u016f. Nev\u00fdhody hypot\u00e9ky na chatuV p\u0159\u00edpad\u011b, \u017ee m\u00e1te z\u00e1jem si u nebankovn\u00ed spole\u010dnosti sjednat hypot\u00e9ku na chatu, mus\u00edte po\u010d\u00edtat i s ur\u010dit\u00fdmi nev\u00fdhodami. Mezi ty pat\u0159\u00ed nap\u0159\u00edklad vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby, kter\u00e9 b\u00fdvaj\u00ed podstatn\u011b vy\u0161\u0161\u00ed ne\u017e u bank. Je t\u0159eba po\u010d\u00edtat i s krat\u0161\u00ed dobou splatnosti ne\u017e u bankovn\u00edch \u00fav\u011br\u016f. M\u00ednusem je tak\u00e9 mo\u017enost financov\u00e1n\u00ed maxim\u00e1ln\u011b do v\u00fd\u0161e 75-90 % odhadn\u00ed ceny. Pro koho je nebankovn\u00ed hypot\u00e9ka na chatu vhodn\u00fdm \u0159e\u0161en\u00edmTento typ \u00fav\u011bru je vhodn\u00fdm \u0159e\u0161en\u00edm zejm\u00e9na pro ty, kte\u0159\u00ed nedos\u00e1hnou na klasick\u00fd bankovn\u00ed \u00fav\u011br. Jedn\u00e1 se nap\u0159\u00edklad o \u017eadatele s negativn\u00edm z\u00e1znamem v registrech, OSV\u010c s n\u00edzk\u00fdm da\u0148ov\u00fdm z\u00e1kladem nebo lid\u00e9 v exekuci.                                                                                                                                                                                                                                                                                                                                                                                                   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