[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.szzmb.cz\/klidne-si-pujcte\/#Article","mainEntityOfPage":"https:\/\/www.szzmb.cz\/klidne-si-pujcte\/","headline":"Klidn\u011b si p\u016fj\u010dte","name":"Klidn\u011b si p\u016fj\u010dte","description":"Bez pen\u011bz je v dne\u0161n\u00ed dob\u011b p\u0159e\u017e\u00edv\u00e1n\u00ed jen velice obt\u00ed\u017en\u00e9. A jist\u011b nen\u00ed t\u0159eba p\u0159\u00edli\u0161 rozv\u00e1d\u011bt, pro\u010d je tomu tak. Bez pen\u011bz zkr\u00e1tka \u010dlov\u011bk nem\u00e1 nejen na zbyte\u010dnosti a z\u00e1bavu, ale ani na bydlen\u00ed, oble\u010den\u00ed, ba ani na j\u00eddlo. Bez t\u011bch se ned\u00e1 po\u0159\u00eddit zhola nic. A \u017ee n\u011bkdo pen\u00edze nem\u00e1, je\u0161t\u011b neznamen\u00e1, \u017ee mu...","datePublished":"2020-07-19","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.szzmb.cz\/author\/#Person","name":"","url":"https:\/\/www.szzmb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"szzmb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.szzmb.cz\/wp-content\/uploads\/p%C3%A1r%20minc%C3%AD_1.jpg","url":"https:\/\/www.szzmb.cz\/wp-content\/uploads\/p%C3%A1r%20minc%C3%AD_1.jpg","height":0,"width":0},"url":"https:\/\/www.szzmb.cz\/klidne-si-pujcte\/","about":["Finance"],"wordCount":453,"articleBody":"      Bez pen\u011bz je v dne\u0161n\u00ed dob\u011b p\u0159e\u017e\u00edv\u00e1n\u00ed jen velice obt\u00ed\u017en\u00e9. A jist\u011b nen\u00ed t\u0159eba p\u0159\u00edli\u0161 rozv\u00e1d\u011bt, pro\u010d je tomu tak. Bez pen\u011bz zkr\u00e1tka \u010dlov\u011bk nem\u00e1 nejen na zbyte\u010dnosti a z\u00e1bavu, ale ani na bydlen\u00ed, oble\u010den\u00ed, ba ani na j\u00eddlo. Bez t\u011bch se ned\u00e1 po\u0159\u00eddit zhola nic. A \u017ee n\u011bkdo pen\u00edze nem\u00e1, je\u0161t\u011b neznamen\u00e1, \u017ee mu v\u011b\u0159itel\u00e9 p\u0159estanou pos\u00edlat \u00fa\u010dty k proplacen\u00ed. A nezaplacen\u00edm se k dovr\u0161en\u00ed v\u0161eho zl\u00e9ho kumuluj\u00ed je\u0161t\u011b i r\u016fzn\u00e9 \u00faroky \u010di sankce, je\u017e vedou nakonec a\u017e do horouc\u00edch pekel.A aby to a\u017e tak daleko nedo\u0161lo, vyplat\u00ed se nejednou vz\u00edt si p\u016fj\u010dku. Proto\u017ee tou se daj\u00ed vy\u0159e\u0161it platby, na n\u011b\u017e moment\u00e1ln\u011b nezb\u00fdv\u00e1, a pak se takov\u00e9 vyp\u016fj\u010den\u00e9 pen\u00edze vr\u00e1t\u00ed postupn\u011b z budouc\u00edch p\u0159\u00edjm\u016f. A po splacen\u00ed se d\u00e1 \u017e\u00edt d\u00e1l, jako by se v\u016fbec nic nestalo.Ov\u0161em d\u0159\u00edve, ne\u017e \u010dlov\u011bku p\u016fj\u010dka pom\u016f\u017ee, je t\u0159eba naj\u00edt tu pravou a vy\u0159\u00eddit si ji. A to je nejednou probl\u00e9m. Proto\u017ee kdo to nikdy neza\u017eil, ten nem\u00e1 ani potuchy o tom, jak komplikovan\u00e9 m\u016f\u017ee takov\u00e9 z\u00edsk\u00e1v\u00e1n\u00ed p\u016fj\u010dky b\u00fdt. V bance cht\u011bj\u00ed nejprve dolo\u017eit dostate\u010dn\u00e9 \u017eadatelovy p\u0159\u00edjmy, pak po n\u011bm \u017e\u00e1daj\u00ed registry dlu\u017en\u00edk\u016f bez poskvrnky a kdo v\u00ed, co v\u0161echno je\u0161t\u011b. A kdy\u017e doty\u010dn\u00fd dolo\u017e\u00ed cel\u00fd stoh lejster, n\u00e1sleduje p\u0159\u00edsn\u00e9 posuzov\u00e1n\u00ed a po n\u011bm klidn\u011b i zam\u00edtnut\u00ed \u017e\u00e1dosti ve chv\u00edli, kdy se uk\u00e1\u017ee, \u017ee \u017eadatel nen\u00ed takov\u00fd, jak\u00e9ho by si ho bankovn\u00ed \u00fa\u0159edn\u00edci p\u0159edstavovali.A je tak mo\u017en\u00e9 mluvit o \u0161t\u011bst\u00ed, \u017ee je tu i americk\u00e1 hypot\u00e9ka bez registru. Tedy nebankovn\u00ed p\u016fj\u010dka, u n\u00ed\u017e se toho po z\u00e1jemc\u00edch o ni ani zdaleka tolik nepo\u017eaduje. Tady sta\u010d\u00ed, aby m\u011bl z\u00e1jemce p\u0159\u00edjmy, z nich\u017e by bylo mo\u017en\u00e9 spl\u00e1cet, a nemovitost, kterou by se za spl\u00e1cen\u00ed zaru\u010dil, a probl\u00e9m je vy\u0159e\u0161en. Nad lec\u010d\u00edm se tu d\u00e1 m\u00e1vnout rukou a \u010dlov\u011bk tak z\u00edsk\u00e1 t\u0159eba i sedmdes\u00e1t procent odhadn\u00ed ceny uveden\u00e9 nemovitosti, na jejich\u017e splacen\u00ed m\u016f\u017ee m\u00edt t\u0159eba i dlouh\u00fdch t\u0159icet let.A i dal\u0161\u00ed n\u00e1le\u017eitosti t\u00e9to hypot\u00e9ky jsou natolik p\u0159\u00edzniv\u00e9, \u017ee je rozumn\u00e9 si ji vz\u00edt, kdy\u017e se \u010dlov\u011bk ocitne v probl\u00e9mech.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Klidn\u011b si p\u016fj\u010dte","item":"https:\/\/www.szzmb.cz\/klidne-si-pujcte\/#breadcrumbitem"}]}]