[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.er-sme.cz\/pujcit-si-muze-byt-snadne\/#Article","mainEntityOfPage":"https:\/\/www.er-sme.cz\/pujcit-si-muze-byt-snadne\/","headline":"P\u016fj\u010dit si m\u016f\u017ee b\u00fdt snadn\u00e9","name":"P\u016fj\u010dit si m\u016f\u017ee b\u00fdt snadn\u00e9","description":"Kdy\u017e se \u010dlov\u011bku v dne\u0161n\u00ed dob\u011b nedost\u00e1v\u00e1 pen\u011bz, je vesm\u011bs odsouzen k \u017eivotu na okraji spole\u010dnosti. Proto\u017ee nem\u016f\u017ee chodit nikam za z\u00e1bavou, za...","datePublished":"2019-04-12","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_a346333_w1722_t1560426957.jpg","url":"https:\/\/www.er-sme.cz\/wp-content\/uploads\/img_a346333_w1722_t1560426957.jpg","height":0,"width":0},"url":"https:\/\/www.er-sme.cz\/pujcit-si-muze-byt-snadne\/","about":["Finance"],"wordCount":455,"articleBody":"      Kdy\u017e se \u010dlov\u011bku v dne\u0161n\u00ed dob\u011b nedost\u00e1v\u00e1 pen\u011bz, je vesm\u011bs odsouzen k \u017eivotu na okraji spole\u010dnosti. Proto\u017ee nem\u016f\u017ee chodit nikam za z\u00e1bavou, za kulturou, nem\u016f\u017ee nav\u0161t\u011bvovat ani restaurace. Nem\u00e1 na kvalitn\u00ed oble\u010den\u00ed, nem\u00e1 ale ani na spoustu dal\u0161\u00edch v\u011bc\u00ed, je\u017e se ve spole\u010dnosti zvan\u00e9 \u201aslu\u0161n\u00e1\u2018 pova\u017euj\u00ed za b\u011b\u017en\u00fd standard. A ten, kdo v\u00fdrazn\u011b vybo\u010duje, zpravidla sou\u010dasnou spole\u010dnost\u00ed p\u0159\u00edli\u0161 akceptov\u00e1n nen\u00ed. Daleko sp\u00ed\u0161e se st\u00e1v\u00e1 vyvrhelem. Co\u017e je velice neradostn\u00fd \u00fad\u011bl.  Ov\u0161em jak si za takov\u00e9ho stavu v\u011bc\u00ed p\u0159ij\u00edt k n\u011bjak\u00fdm pen\u011bz\u016fm? Jak to za\u0159\u00eddit, aby doty\u010dn\u00fd m\u011bl na to, co je t\u0159eba, aby byl pova\u017eov\u00e1n za \u201aslu\u0161n\u00e9ho \u010dlov\u011bka\u2018? M\u016f\u017ee si zkusit p\u016fj\u010dit pen\u00edze v bance. Tam ale velice \u010dasto nepochod\u00ed, a to pr\u00e1v\u011b proto, \u017ee je takov\u00fd, jak\u00fd nechce b\u00fdt. Tedy chud\u00fd. Nem\u00e1 pr\u00fd dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy, aby si banka mohla b\u00fdt jist\u00e1, \u017ee bude schopen p\u016fj\u010dku spl\u00e1cet, a naopak m\u00e1 t\u0159eba nejednou i z\u00e1znam v registrech dlu\u017en\u00edk\u016f, jen\u017e ho u bank\u00e9\u0159\u016f deklasuje definitivn\u011b. A co pak?  Pak u\u017e zb\u00fdv\u00e1 nejednou vlastn\u011b u\u017e jen ta \u00fapln\u011b posledn\u00ed mo\u017enost jm\u00e9nem https:\/\/www.nebankovni-hypoteky-uvery.cz\/nebankovni-hypoteky\/. Zde toti\u017e m\u016f\u017ee usp\u011bt i ten, kdo se bank\u00e1m a jin\u00fdm poskytovatel\u016fm p\u016fj\u010dek nezd\u00e1 b\u00fdt dostate\u010dn\u011b atraktivn\u00ed. Proto\u017ee m\u00e1-li doty\u010dn\u00fd pravideln\u00fd p\u0159\u00edjem a n\u011bjakou nemovitost, ji\u017e m\u016f\u017ee d\u00e1t do z\u00e1stavy, m\u00e1 u\u017e v\u00edcem\u00e9n\u011b vyhr\u00e1no. V tu chv\u00edli si toti\u017e m\u016f\u017ee po\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku ve v\u00fd\u0161i a\u017e sedmdes\u00e1ti procent ceny zm\u00edn\u011bn\u00e9 zastavovan\u00e9 nemovitosti a z\u00edskat tak pen\u00edze, je\u017e m\u016f\u017ee posl\u00e9ze spl\u00e1cet dokonce i po dobu cel\u00fdch \u010dty\u0159iceti let, d\u00e1v\u00e1-li na to v\u011bk \u017eadatele nad\u011bji. P\u0159i\u010dem\u017e takov\u00e1 nebankovn\u00ed spole\u010dnost nejednou toleruje i exekuce a z\u00e1znamy v registrech, pokud tyto podle n\u00ed nejsou na \u0161kodu, nebr\u00e1n\u00ed spl\u00e1cen\u00ed on\u00e9 p\u016fj\u010dky v budoucnu. Nic tu nen\u00ed t\u0159eba platit p\u0159edem, schv\u00e1len\u00ed je v\u00edc ne\u017e rychl\u00e9 a p\u016fj\u010den\u00e9 pen\u00edze lze pou\u017e\u00edt na cokoliv. A ani t\u00edm je\u0161t\u011b v\u00fdhody tohoto finan\u010dn\u00edho produktu nekon\u010d\u00ed. Tak\u017ee i vy m\u00e1te kam se obr\u00e1tit. Abyste nebyli vystrnad\u011bni ze slu\u0161n\u00e9 spole\u010dnosti jen proto, \u017ee m\u00e1te zrovna hluboko do kapsy.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dit si m\u016f\u017ee b\u00fdt snadn\u00e9","item":"https:\/\/www.er-sme.cz\/pujcit-si-muze-byt-snadne\/#breadcrumbitem"}]}]