[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ajscr.cz\/kdyz-banky-nepujci\/#Article","mainEntityOfPage":"https:\/\/www.ajscr.cz\/kdyz-banky-nepujci\/","headline":"Kdy\u017e banky nep\u016fj\u010d\u00ed","name":"Kdy\u017e banky nep\u016fj\u010d\u00ed","description":"Pokud \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, ale neusp\u011bje s touto pot\u0159ebou ani u p\u0159\u00edbuzn\u00fdch, ani u p\u0159\u00e1tel a zn\u00e1m\u00fdch, nezb\u00fdv\u00e1 mu, ne\u017e se obr\u00e1tit na n\u011bjakou tu finan\u010dn\u00ed instituci. Proto\u017ee ty tu jsou p\u0159ece i od toho, aby lidem finance p\u016fj\u010dovaly. A proto doty\u010dn\u00fd zajde \u2013 jak to m\u00e1me za\u017eit\u00e9 \u2013 do n\u011bjak\u00e9 t\u00e9 banky s […]","datePublished":"2019-06-01","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.ajscr.cz\/author\/#Person","name":"","url":"https:\/\/www.ajscr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c4e504508c75b610a351629e223ddd0c5b7858df84b2b7deedc4e007bdf99fc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ajscr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ajscr.cz\/wp-content\/uploads\/img_a352080_w1733_t1566556552.jpg","url":"https:\/\/www.ajscr.cz\/wp-content\/uploads\/img_a352080_w1733_t1566556552.jpg","height":0,"width":0},"url":"https:\/\/www.ajscr.cz\/kdyz-banky-nepujci\/","about":["Ekonomika"],"wordCount":437,"articleBody":"        Pokud \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, ale neusp\u011bje s touto pot\u0159ebou ani u p\u0159\u00edbuzn\u00fdch, ani u p\u0159\u00e1tel a zn\u00e1m\u00fdch, nezb\u00fdv\u00e1 mu, ne\u017e se obr\u00e1tit na n\u011bjakou tu finan\u010dn\u00ed instituci. Proto\u017ee ty tu jsou p\u0159ece i od toho, aby lidem finance p\u016fj\u010dovaly. A proto doty\u010dn\u00fd zajde \u2013 jak to m\u00e1me za\u017eit\u00e9 \u2013 do n\u011bjak\u00e9 t\u00e9 banky s v\u00edrou v to, \u017ee si odsud odnese to, \u010deho je mu zapot\u0159eb\u00ed. Ov\u0161em nejednou tomu tak nen\u00ed. Vypln\u00ed tam n\u011bjak\u00e1 ta lejstra, dolo\u017e\u00ed to \u010di ono, \u010dek\u00e1 a nakonec p\u0159ijde zam\u00edtnut\u00ed. T\u0159eba proto, \u017ee m\u00e1 podle n\u00e1zoru tamn\u00edch \u00fa\u0159edn\u00edk\u016f n\u00edzk\u00e9 p\u0159\u00edjmy, nedosta\u010duj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nebo dokonce v\u0161e ma\u0159\u00edc\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. M\u016f\u017ee se to st\u00e1t kdykoliv komukoliv. Banky maj\u00ed prost\u011b sv\u00e1 jasn\u011b dan\u00e1 pravidla, kter\u00e1 je pro leckoho ze \u017eadatel\u016f obt\u00ed\u017en\u00e9 splnit. A pak m\u016f\u017ee b\u00fdt takov\u00fd odm\u00edtnut\u00fd \u017eadatel r\u00e1d, \u017ee existuj\u00ed i alternativy, tedy nebankovn\u00ed hypot\u00e9ky bez registru. Proto\u017ee tady se d\u00e1 p\u0159ij\u00edt k pen\u011bz\u016fm daleko sn\u00e1ze, pravidla nebankovn\u00edho sektoru nejsou ani zdaleka tak p\u0159\u00edsn\u00e1. V p\u0159\u00edpad\u011b nebankovn\u00ed hypot\u00e9ky sta\u010d\u00ed vlastn\u011b m\u00edt jenom n\u011bjakou tu nemovitost, ji\u017e by bylo mo\u017en\u00e9 d\u00e1t do z\u00e1stavy jako z\u00e1ruku, \u017ee budou pen\u00edze \u0159\u00e1dn\u011b splaceny, pak mus\u00ed m\u00edt \u010dlov\u011bk alespo\u0148 takov\u00fd p\u0159\u00edjem, ze kter\u00e9ho bude schopen spl\u00e1cet, a v jeho registru dlu\u017en\u00edk\u016f se sm\u00ed objevit i n\u011bjak\u00fd ten z\u00e1znam, pokud tedy nen\u00ed rizikem pro budouc\u00ed spl\u00e1cen\u00ed. Kdo spl\u0148uje tyto podm\u00ednky, m\u00e1 velkou nad\u011bji na to, \u017ee se \u017e\u00e1dost\u00ed o zm\u00edn\u011bn\u00fd finan\u010dn\u00ed produkt usp\u011bje. \u017de pot\u00e9, co vypln\u00ed on-line formul\u00e1\u0159, ode\u0161le e-mailem n\u011bkolik fotografi\u00ed zm\u00edn\u011bn\u00e9 nemovitosti k posouzen\u00ed, probere podrobnosti se zam\u011bstnancem on\u00e9 nebankovn\u00ed instituce, akceptuje podm\u00ednky a podep\u00ed\u0161e smlouvu, dostane sv\u00e9 pen\u00edze, tedy a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny zastavovan\u00e9 nemovitosti. Za podm\u00ednek, kter\u00e9 b\u00fdvaj\u00ed nejednou jako \u0161it\u00e9 na m\u00edru konkr\u00e9tn\u00edmu \u017eadateli. Kter\u00fd m\u016f\u017ee spl\u00e1cet t\u0159eba i cel\u00fdch t\u0159icet let po mal\u00fdch \u010d\u00e1stk\u00e1ch a se slu\u0161n\u00fdm \u00farokem, ale tak\u00e9 v\u0161e splatit p\u0159ed\u010dasn\u011b a bez sankc\u00ed, kter\u00fd m\u016f\u017ee pou\u017e\u00edt tyto prost\u0159edky na cokoliv. A co si p\u0159\u00e1t v\u00edce?                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e banky nep\u016fj\u010d\u00ed","item":"https:\/\/www.ajscr.cz\/kdyz-banky-nepujci\/#breadcrumbitem"}]}]