[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.er-sme.cz\/jak-si-zvolit-spravnou-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.er-sme.cz\/jak-si-zvolit-spravnou-pujcku\/","headline":"Jak si zvolit spr\u00e1vnou p\u016fj\u010dku","name":"Jak si zvolit spr\u00e1vnou p\u016fj\u010dku","description":"Pokud se \u010dlov\u011bk sh\u00e1n\u00ed po tom, kde by si p\u016fj\u010dil n\u011bjak\u00e9 ty finan\u010dn\u00ed prost\u0159edky, kter\u00fdch se mu nedost\u00e1v\u00e1, nejednou zji\u0161\u0165uje ke sv\u00e9mu zklam\u00e1n\u00ed,...","datePublished":"2019-06-27","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.er-sme.cz\/author\/#Person","name":"er-sme.cz","url":"https:\/\/www.er-sme.cz\/author\/","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":"er-sme.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.er-sme.cz\/wp-content\/uploads\/img_a352323_w1722_t1566889623.jpg","url":"https:\/\/www.er-sme.cz\/wp-content\/uploads\/img_a352323_w1722_t1566889623.jpg","height":0,"width":0},"url":"https:\/\/www.er-sme.cz\/jak-si-zvolit-spravnou-pujcku\/","about":["Finance"],"wordCount":439,"articleBody":"        Pokud se \u010dlov\u011bk sh\u00e1n\u00ed po tom, kde by si p\u016fj\u010dil n\u011bjak\u00e9 ty finan\u010dn\u00ed prost\u0159edky, kter\u00fdch se mu nedost\u00e1v\u00e1, nejednou zji\u0161\u0165uje ke sv\u00e9mu zklam\u00e1n\u00ed, \u017ee o n\u011bj nen\u00ed \u017e\u00e1dn\u00fd zvl\u00e1\u0161tn\u00ed z\u00e1jem. O\u010dek\u00e1val, \u017ee se o n\u011bj budou ony \u010detn\u00e9 finan\u010dn\u00ed instituce p\u0159etahovat, ne-li p\u0159\u00edmo pr\u00e1t, proto\u017ee takto p\u016fj\u010den\u00e9 pen\u00edze jim pochopiteln\u011b p\u0159inesou \u00faroky, z nich\u017e tyto \u017eij\u00ed, ov\u0161em najednou se tak ned\u011bje. A naopak aby se on s\u00e1m sna\u017eil n\u011bkde usp\u011bt, se\u010d mu s\u00edly sta\u010d\u00ed. Je tomu tak zpravidla u lid\u00ed, kte\u0159\u00ed maj\u00ed nep\u0159\u00edli\u0161 velk\u00e9 p\u0159\u00edjmy nebo n\u011bjak\u00fdm t\u00edm z\u00e1znamem v registrech dlu\u017en\u00edk\u016f poskvrn\u011bnou pov\u011bst. Takov\u00ed toti\u017e nejsou pro banky s jejich tradi\u010dn\u011b p\u0159\u00edsn\u00fdmi krit\u00e9rii v\u00fdb\u011bru \u017e\u00e1dan\u00fdmi uchaze\u010di, takov\u00fdm se v b\u011b\u017en\u00fdch bankovn\u00edch domech ned\u00e1 vyhov\u011bt, ani kdyby si to ten kter\u00fd \u00fa\u0159edn\u00edk p\u0159\u00e1l sebev\u00edc. A \u017eadatel, pokud ony pen\u00edze skute\u010dn\u011b nutn\u011b pot\u0159ebuje, tak mus\u00ed hledat a hledat. A\u017e se nakonec na\u0161t\u011bst\u00ed i on dop\u00e1tr\u00e1 alespo\u0148 n\u011bjak\u00e9ho toho \u0159e\u0161en\u00ed. Ani, kdyby toti\u017e nikde jinde neusp\u011bl, v\u017edycky je tu i americk\u00e1 hypot\u00e9ka bez registru https:\/\/hypotekybezregistru.cz\/. A u t\u00e9 je \u00fasp\u011bch \u017eadatele t\u00e9m\u011b\u0159 zaru\u010den. Je tomu tak proto, \u017ee zde plat\u00ed jin\u00e1 pravidla ne\u017e v bank\u00e1ch. Jsou tu kladeny jin\u00e9 po\u017eadavky, je\u017e jsou sn\u00e1ze splniteln\u00e9 a flexibiln\u00ed, a proto je nalezen\u00ed nab\u00eddky takov\u00e9to hypot\u00e9ky pro jinde odm\u00edtan\u00e9ho \u017eadatele p\u0159\u00edmo u\u010din\u011bn\u00e9 terno. V\u017edy\u0165 co se tady vlastn\u011b po \u010dlov\u011bku \u017e\u00e1d\u00e1? Naprost\u00e9 minimum, tak m\u00e1lo, \u017ee si to neznal\u00fd jen st\u011b\u017e\u00ed dok\u00e1\u017ee p\u0159edstavit. \u017dadatel tu mus\u00ed jenom vyplnit jednoduch\u00fd formul\u00e1\u0159 na internetu a nab\u00eddnout e-mailem poskytovateli sn\u00edmky nemovitosti, j\u00ed\u017e se mus\u00ed za p\u016fj\u010den\u00e9 pen\u00edze zaru\u010dit, a t\u00edm to pro n\u011bj kon\u010d\u00ed. V\u0161e ostatn\u00ed u\u017e ochotn\u011b za\u0159\u00edd\u00ed zam\u011bstnanci poskytovatele sami. Tedy kontaktuj\u00ed ho, v\u0161e mu vysv\u011btl\u00ed, sep\u00ed\u0161\u00ed s n\u00edm smlouvu a vyplat\u00ed schv\u00e1lenou sumu pen\u011bz na \u017eadatel\u016fv \u00fa\u010det. A ten je m\u016f\u017ee za\u010d\u00edt r\u00e1zem pou\u017e\u00edvat k \u010demukoliv podle vlastn\u00edho uv\u00e1\u017een\u00ed. A to je jen zlomek v\u00fdhod. Ty ostatn\u00ed zjist\u00edte snadno, kliknete-li tu na v\u00fd\u0161e uveden\u00fd odkaz. A t\u00edmto kliknut\u00edm rozhodn\u011b neprohloup\u00edte.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si zvolit spr\u00e1vnou p\u016fj\u010dku","item":"https:\/\/www.er-sme.cz\/jak-si-zvolit-spravnou-pujcku\/#breadcrumbitem"}]}]