[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.balchem.cz\/jakou-pujcku-si-vybrat\/#Article","mainEntityOfPage":"https:\/\/www.balchem.cz\/jakou-pujcku-si-vybrat\/","headline":"Jakou p\u016fj\u010dku si vybrat?","name":"Jakou p\u016fj\u010dku si vybrat?","description":"Kdy\u017e je na tom \u010dlov\u011bk finan\u010dn\u011b dob\u0159e a p\u016fj\u010dku nepot\u0159ebuje, nebo by se bez n\u00ed alespo\u0148 dok\u00e1zal hrav\u011b obej\u00edt, je t\u011bch, kdo jsou ochotni mu ji poskytnout, v\u0161ude dost a dost. Ale jakmile se n\u011bkdo ocitne v probl\u00e9mech, jakmile se mu nedost\u00e1v\u00e1 pen\u011bz a z\u00e1rove\u0148 vyd\u011bl\u00e1v\u00e1 p\u0159\u00edli\u0161 m\u00e1lo a jeho registr dlu\u017en\u00edk\u016f hyzd\u00ed n\u011bjak\u00fd ten […]","datePublished":"2019-06-08","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.balchem.cz\/author\/#Person","name":"","url":"https:\/\/www.balchem.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"balchem.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.balchem.cz\/wp-content\/uploads\/img_a352061_w1718_t1566553139.jpg","url":"https:\/\/www.balchem.cz\/wp-content\/uploads\/img_a352061_w1718_t1566553139.jpg","height":0,"width":0},"url":"https:\/\/www.balchem.cz\/jakou-pujcku-si-vybrat\/","about":["Ekonomika"],"wordCount":426,"articleBody":"      Kdy\u017e je na tom \u010dlov\u011bk finan\u010dn\u011b dob\u0159e a p\u016fj\u010dku nepot\u0159ebuje, nebo by se bez n\u00ed alespo\u0148 dok\u00e1zal hrav\u011b obej\u00edt, je t\u011bch, kdo jsou ochotni mu ji poskytnout, v\u0161ude dost a dost. Ale jakmile se n\u011bkdo ocitne v probl\u00e9mech, jakmile se mu nedost\u00e1v\u00e1 pen\u011bz a z\u00e1rove\u0148 vyd\u011bl\u00e1v\u00e1 p\u0159\u00edli\u0161 m\u00e1lo a jeho registr dlu\u017en\u00edk\u016f hyzd\u00ed n\u011bjak\u00fd ten z\u00e1znam, je situace r\u00e1zem jin\u00e1. R\u00e1zem se nikdo do p\u016fj\u010dov\u00e1n\u00ed nehrne.Je to prost\u00e9. Ti, kdo p\u016fj\u010dky nab\u00edzej\u00ed, by neradi riskovali, \u017ee u\u017e se s p\u016fj\u010den\u00fdmi pen\u011bzi nikdy neshledaj\u00ed, a tak nejednou kladou i velice p\u0159\u00edsn\u00e9 po\u017eadavky na kvality \u017eadatele, jen\u017e jim nedok\u00e1\u017ee vyhov\u011bt. A pak m\u00e1 sm\u016flu.Ov\u0161em nikdy nen\u00ed v\u0161e ztraceno, pokud tedy \u010dlov\u011bk nen\u00ed beznad\u011bjn\u011b ztracen, pokud nen\u00ed a\u017e na \u00fapln\u00e9m dn\u011b. I t\u011bm velice komplikovan\u00fdm p\u0159\u00edpad\u016fm toti\u017e m\u016f\u017ee pomoci hypot\u00e9ka bez registru.Hlavn\u00ed p\u0159ednost\u00ed tohoto nebankovn\u00edho produktu je to, \u017ee se zde pen\u00edze poskytuj\u00ed proti z\u00e1stav\u011b n\u011bjak\u00e9 nemovitosti. \u017dadatel tedy nab\u00eddne n\u011bjak\u00fd d\u016fm, byt, chatu, komer\u010dn\u00ed objekt, pozemek a podobn\u011b coby z\u00e1stavu a za to se mu dostane a\u017e sedmdes\u00e1ti procent odhadn\u00ed ceny t\u00e9to nemovitosti. To v\u0161ak jedin\u011b za situace, kdy dok\u00e1\u017ee vyhov\u011bt i dal\u0161\u00edm dv\u011bma po\u017eadavk\u016fm, tedy m\u00e1 alespo\u0148 takov\u00e9 p\u0159\u00edjmy, z nich\u017e by dok\u00e1zal hradit aspo\u0148 ty nejni\u017e\u0161\u00ed mo\u017en\u00e9 spl\u00e1tky, a m\u00e1 nanejv\u00fd\u0161 takov\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f, jen\u017e nebude v budoucnu komplikovat spl\u00e1cen\u00ed.Je-li to zm\u00edn\u011bn\u00e9 spln\u011bno, sta\u010d\u00ed jednodu\u0161e vyplnit formul\u00e1\u0159 na internetu, poslat n\u011bkolik sn\u00edmk\u016f zm\u00edn\u011bn\u00e9 nemovitosti e-mailem nebankovn\u00ed spole\u010dnosti k posouzen\u00ed a potom jenom vy\u010dkat, a\u017e \u017eadatele kontaktuje z\u00e1stupce poskytovatele a probere s n\u00edm v\u0161e do posledn\u00edho detailu.A pak m\u016f\u017ee b\u00fdt podeps\u00e1na smlouva a po\u017eadovan\u00e1 \u010d\u00e1stka p\u0159evedena na \u017eadatel\u016fv \u00fa\u010det, to v\u0161e ve velice kr\u00e1tk\u00e9m \u010dase a za podm\u00ednek, je\u017e jsou flexibiln\u00ed a dok\u00e1\u017eou tak uspokojit ob\u011b strany. Proto\u017ee s nebankovn\u00ed spole\u010dnost\u00ed se d\u00e1 domluvit, ta se sna\u017e\u00ed vyhov\u011bt. Na rozd\u00edl t\u0159eba od bank, je\u017e maj\u00ed jednozna\u010dn\u011b dan\u00e1 pravidla, od nich\u017e se nelze v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b odch\u00fdlit.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jakou p\u016fj\u010dku si vybrat?","item":"https:\/\/www.balchem.cz\/jakou-pujcku-si-vybrat\/#breadcrumbitem"}]}]