[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.er-sme.cz\/shanite-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.er-sme.cz\/shanite-pujcku\/","headline":"Sh\u00e1n\u00edte p\u016fj\u010dku?","name":"Sh\u00e1n\u00edte p\u016fj\u010dku?","description":"T\u011b\u017eko bychom mezi sebou hledali n\u011bkoho, kdy v\u017edy dok\u00e1zal vy\u017e\u00edt jenom a pouze se sv\u00fdmi p\u0159\u00edjmy a nemusel si ani korunu p\u016fj\u010dit. Jsou...","datePublished":"2019-06-01","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_a352433_w1722_t1566984479.jpg","url":"https:\/\/www.er-sme.cz\/wp-content\/uploads\/img_a352433_w1722_t1566984479.jpg","height":0,"width":0},"url":"https:\/\/www.er-sme.cz\/shanite-pujcku\/","about":["Finance"],"wordCount":475,"articleBody":"       T\u011b\u017eko bychom mezi sebou hledali n\u011bkoho, kdy v\u017edy dok\u00e1zal vy\u017e\u00edt jenom a pouze se sv\u00fdmi p\u0159\u00edjmy a nemusel si ani korunu p\u016fj\u010dit. Jsou prost\u011b v \u017eivot\u011b lidsk\u00e9m chv\u00edle, kdy pot\u0159eby p\u0159evy\u0161uj\u00ed re\u00e1ln\u00e9 mo\u017enosti, a pak nen\u00ed jin\u00e9 volby, ne\u017e se zkr\u00e1tka na n\u011bkoho obr\u00e1tit a p\u016fj\u010dit si. Ov\u0161em na koho se v takov\u00e9 situaci obracet? Kdo \u010dlov\u011bku pom\u016f\u017ee? Odpov\u011bdi tu mohou b\u00fdt r\u016fzn\u00e9. Proto\u017ee ka\u017ed\u00fd \u017eije v odli\u0161n\u00fdch podm\u00ednk\u00e1ch, ka\u017ed\u00fd m\u016f\u017ee nab\u00edzet n\u011bco jin\u00e9ho a m\u00edt tak\u00e9 sv\u00e9 probl\u00e9my. A na tom v\u0161em z\u00e1le\u017e\u00ed, pokud se doty\u010dn\u00fd rozhodne vz\u00edt si p\u016fj\u010dku. U\u010din\u011bnou s\u00e1zkou na jistotu je tu nebankovn\u00ed hypot\u00e9ka. Ta je toti\u017e univerz\u00e1ln\u00edm zp\u016fsobem, j\u00edm\u017e se mohou dostat k pen\u011bz\u016fm jak ti, kdo jsou coby \u017eadatel\u00e9 bez sebemen\u0161\u00ed poskvrnky, tak i ti, kdo maj\u00ed t\u0159eba i dost po\u0161ramocenou pov\u011bst. A to proto, \u017ee se zde nijak d\u016fkladn\u011b neprov\u011b\u0159uj\u00ed ani \u017eadatelovy p\u0159\u00edjmy, ani to, co m\u00e1 tento p\u0159\u00edpadn\u011b zaznamen\u00e1no v registrech dlu\u017en\u00edk\u016f. Jist\u011b, i zde mus\u00ed m\u00edt \u017eadatel aspo\u0148 takov\u00e9 p\u0159\u00edjmy, aby byl z t\u011bchto schopen spl\u00e1cet p\u016fj\u010den\u00e9 prost\u0159edky, i zde nevad\u00ed z\u00e1znam v registrech pouze v p\u0159\u00edpad\u011b, \u017ee nen\u00ed z\u00e1va\u017en\u00fd, ale p\u0159ece jenom je takov\u00e1to hypot\u00e9ka velice sch\u016fdn\u00fdm zp\u016fsobem, jak vy\u0159e\u0161it do\u010dasn\u00e9 finan\u010dn\u00ed t\u011b\u017ekosti. Pro to, aby ji \u010dlov\u011bk z\u00edskal, nen\u00ed t\u0159eba u\u010dinit nic sv\u011btoborn\u00e9ho. Sta\u010d\u00ed m\u00edt k dispozici n\u011bjakou tu nemovitost, ji\u017e by bylo mo\u017en\u00e9 d\u00e1t za p\u016fj\u010dku ve v\u00fd\u0161i a\u017e sedmdes\u00e1ti procent jej\u00ed odhadn\u00ed ceny nebankovn\u00ed spole\u010dnosti do z\u00e1stavy, poslat n\u011bkolik jej\u00edch sn\u00edmk\u016f e-mailem k posouzen\u00ed, vyplnit jednoduch\u00fd formul\u00e1\u0159 na internetu a je to. Pak u\u017e sta\u010d\u00ed po\u010dkat, a\u017e se \u017eadateli ozve z\u00e1stupce on\u00e9 nebankovn\u00ed spole\u010dnosti, probrat s n\u00edm v\u0161echny detaily a po p\u0159edlo\u017een\u00ed v\u0161ech nezbytn\u00fdch podklad\u016f podepsat smlouvu, po n\u00ed\u017e jsou pen\u00edze okam\u017eit\u011b odesl\u00e1ny na \u017eadatel\u016fv \u00fa\u010det. Tyto pen\u00edze je mo\u017en\u00e9 pou\u017e\u00edt k jak\u00e9mukoliv \u00fa\u010delu. A jejich n\u00e1sledn\u00e9 vr\u00e1cen\u00ed nen\u00ed probl\u00e9mem, proto\u017ee jsou dlu\u017en\u00edkovi nastaveny takov\u00e9 spl\u00e1tky, jak\u00e9 dok\u00e1\u017ee pohodln\u011b zvl\u00e1dnout, a spl\u00e1cet je mo\u017eno i po velice dlouhou dobu. Pokud se tedy doty\u010dn\u00fd s\u00e1m nerozhodne splatit v\u0161e bez sankc\u00ed p\u0159ed\u010dasn\u011b. A to je skv\u011bl\u00e1 nab\u00eddka, nemysl\u00edte?                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sh\u00e1n\u00edte p\u016fj\u010dku?","item":"https:\/\/www.er-sme.cz\/shanite-pujcku\/#breadcrumbitem"}]}]