[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.qualichem.cz\/ktera-pujcka-je-ta-prava\/#Article","mainEntityOfPage":"https:\/\/www.qualichem.cz\/ktera-pujcka-je-ta-prava\/","headline":"Kter\u00e1 p\u016fj\u010dka je ta prav\u00e1?","name":"Kter\u00e1 p\u016fj\u010dka je ta prav\u00e1?","description":"Kdy\u017e si \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, m\u011bl by si dob\u0159e rozmyslet, pro jak\u00e9ho poskytovatele se rozhodne a kter\u00fd finan\u010dn\u00ed produkt zvol\u00ed. Proto\u017ee p\u016fj\u010dky nejsou jedna jako druh\u00e1 a tak by mohl v p\u0159\u00edpad\u011b \u0161patn\u00e9 volby na tuto i doplatit. A pokud m\u00e1 takov\u00fd z\u00e1jemce ne zrovna \u010dist\u00fd \u0161t\u00edt, pokud se nem\u016f\u017ee pochlubit ani dostate\u010dn\u00fdmi p\u0159\u00edjmy, […]","datePublished":"2019-06-14","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.qualichem.cz\/author\/#Person","name":"","url":"https:\/\/www.qualichem.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":"qualichem.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.qualichem.cz\/wp-content\/uploads\/img_a352436_w1733_t1566984817.png","url":"https:\/\/www.qualichem.cz\/wp-content\/uploads\/img_a352436_w1733_t1566984817.png","height":0,"width":0},"url":"https:\/\/www.qualichem.cz\/ktera-pujcka-je-ta-prava\/","about":["Internet"],"wordCount":422,"articleBody":"      Kdy\u017e si \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, m\u011bl by si dob\u0159e rozmyslet, pro jak\u00e9ho poskytovatele se rozhodne a kter\u00fd finan\u010dn\u00ed produkt zvol\u00ed. Proto\u017ee p\u016fj\u010dky nejsou jedna jako druh\u00e1 a tak by mohl v p\u0159\u00edpad\u011b \u0161patn\u00e9 volby na tuto i doplatit. A pokud m\u00e1 takov\u00fd z\u00e1jemce ne zrovna \u010dist\u00fd \u0161t\u00edt, pokud se nem\u016f\u017ee pochlubit ani dostate\u010dn\u00fdmi p\u0159\u00edjmy, ani absenc\u00ed z\u00e1znam\u016f v registrech dlu\u017en\u00edk\u016f, m\u011bl by vsadit na n\u011bco, co se mu nestane pov\u011bstn\u00fdm kamenem, kter\u00fd ho pot\u00e1hne ke dnu. Takov\u00fd jedinec sice nem\u00e1 zrovna moc na v\u00fdb\u011br, tomu se finan\u010dn\u00ed instituce rozhodn\u011b nepodb\u00edzej\u00ed, ale i pro n\u011bj se tu d\u00e1 naj\u00edt to prav\u00e9. T\u0159eba nebankovn\u00ed hypot\u00e9ka, je\u017e dok\u00e1\u017ee uspokojit i notn\u011b ned\u016fv\u011bryhodn\u00e9 \u017eadatele. Aby ji \u010dlov\u011bk z\u00edskal, mus\u00ed ale splnit p\u0159inejmen\u0161\u00edm t\u0159i z\u00e1kladn\u00ed podm\u00ednky: M\u00edt nemovitost, kterou by mohl za p\u016fj\u010den\u00e9 pen\u00edze ru\u010dit.  M\u00edt p\u0159\u00edjmy, kter\u00e9 sta\u010d\u00ed na uhrazov\u00e1n\u00ed aspo\u0148 t\u011bch nejni\u017e\u0161\u00edch mo\u017en\u00fdch spl\u00e1tek.  M\u00edt v registru nanejv\u00fd\u0161 zanedbateln\u00fd z\u00e1znam, kter\u00fd v poskytovateli nevzbud\u00ed podez\u0159en\u00ed, \u017ee doty\u010dn\u00fd nebude spl\u00e1cet.  Pokud je toto spln\u011bno, m\u016f\u017ee si \u010dlov\u011bk v podob\u011b jednoduch\u00e9ho online formul\u00e1\u0159e a e-mailem zaslan\u00fdch sn\u00edmk\u016f on\u00e9 nemovitosti o onu hypot\u00e9ku po\u017e\u00e1dat. Na\u010de\u017e je kontaktov\u00e1n z\u00e1stupcem nebankovn\u00ed spole\u010dnosti, kter\u00fd s n\u00edm probere v\u0161e do posledn\u00edho detailu, po p\u0159edlo\u017een\u00ed v\u0161ech nezbytn\u00fdch podklad\u016f se podep\u00ed\u0161e smlouva a pen\u00edze mohou b\u00fdt zasl\u00e1ny na \u017eadatel\u016fv \u00fa\u010det. A to v\u0161e v rekordn\u011b kr\u00e1tk\u00e9m \u010dase. A pak? Pak u\u017e si jich m\u016f\u017ee \u010dlov\u011bk u\u017e\u00edvat dosyta a pou\u017e\u00edt je na cokoliv, co si jenom usmysl\u00ed. Proto\u017ee nen\u00ed nikterak kontrolov\u00e1n, nakl\u00e1d\u00e1-li s touto p\u016fj\u010dkou \u201arozumn\u011b\u2018. A mus\u00ed je logicky tak\u00e9 spl\u00e1cet, tak, jak to bylo ujedn\u00e1no, klidn\u011b po cel\u00fdch dlouh\u00fdch t\u0159icet let, klidn\u011b ale i p\u0159ed\u010dasn\u011b a bez sankc\u00ed, klidn\u011b po velk\u00fdch stejn\u011b jako jenom zanedbateln\u00fdch spl\u00e1tk\u00e1ch, takov\u00fdch, jak\u00e9 mu nebudou p\u016fsobit starosti. Proto\u017ee nebankovn\u00ed finan\u010dn\u00ed instituce jsou flexibiln\u00ed. A pokud \u017eadatel \u0159\u00e1dn\u011b spl\u00e1c\u00ed, nemaj\u00ed d\u016fvod se mu jakkoliv pl\u00e9st do \u017eivota.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kter\u00e1 p\u016fj\u010dka je ta prav\u00e1?","item":"https:\/\/www.qualichem.cz\/ktera-pujcka-je-ta-prava\/#breadcrumbitem"}]}]