[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.regec.cz\/kdo-vam-pujci\/#Article","mainEntityOfPage":"https:\/\/www.regec.cz\/kdo-vam-pujci\/","headline":"Kdo v\u00e1m p\u016fj\u010d\u00ed?","name":"Kdo v\u00e1m p\u016fj\u010d\u00ed?","description":"Je to docela jednoduch\u00e9. Banky maj\u00ed spoustu financ\u00ed a \u017eiv\u00ed se jejich p\u016fj\u010dov\u00e1n\u00edm a proto velice \u010dasto bombarduj\u00ed kdekoho sv\u00fdmi nab\u00eddkami p\u016fj\u010dek ve snaze z\u00edskat klienty, na nich\u017e si t\u00edmto","datePublished":"2019-03-04","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.regec.cz\/author\/#Person","name":"","url":"https:\/\/www.regec.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"regec.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.regec.cz\/wp-content\/uploads\/img_a339935_w2816_t1552996393.jpg","url":"https:\/\/www.regec.cz\/wp-content\/uploads\/img_a339935_w2816_t1552996393.jpg","height":0,"width":0},"url":"https:\/\/www.regec.cz\/kdo-vam-pujci\/","about":["Pen\u00edze"],"wordCount":566,"articleBody":"Je to docela jednoduch\u00e9. Banky maj\u00ed spoustu financ\u00ed a \u017eiv\u00ed se jejich p\u016fj\u010dov\u00e1n\u00edm a proto velice \u010dasto bombarduj\u00ed kdekoho sv\u00fdmi nab\u00eddkami p\u016fj\u010dek ve snaze z\u00edskat klienty, na nich\u017e si t\u00edmto zp\u016fsobem n\u011bco vyd\u011blaj\u00ed. \u010clov\u011bku prost\u011b daj\u00ed k dispozici n\u011bco z on\u011bch pen\u011bz, je\u017e se v nich v\u00e1lej\u00ed, a n\u00e1sledn\u011b tyto p\u0159ij\u00edmaj\u00ed zase zp\u011bt, zv\u00fd\u0161en\u00e9 o dohodnut\u00e9 \u00faroky.
 Ov\u0161em to rozhodn\u011b neznamen\u00e1, \u017ee daj\u00ed pen\u00edze jenom tak n\u011bkomu. I kdyby \u010dlov\u011bk tis\u00edckr\u00e1t z r\u016fzn\u00fdch reklam sly\u0161el, \u017ee pr\u00e1v\u011b ta a ta banka mu d\u00e1 p\u016fj\u010dku, ve chv\u00edli, kdy se na ni s takovou \u017e\u00e1dost\u00ed obr\u00e1t\u00ed, dost mo\u017en\u00e1 poho\u0159\u00ed a odejde s nepo\u0159\u00edzenou. Proto\u017ee banky sice hotovost p\u016fj\u010duj\u00ed, ale velice bedliv\u011b prov\u011b\u0159uj\u00ed, komu.
 A kdy\u017e si n\u011bkdo za\u017e\u00e1d\u00e1, prov\u011b\u0159uj\u00ed nap\u0159\u00edklad:
 a) v\u00fd\u0161i jeho p\u0159\u00edjm\u016f
 b) v\u011brohodnost, \u017ee doty\u010dn\u00fd bude m\u00edt takov\u00e9 p\u0159\u00edjmy i pozd\u011bji po n\u00e1le\u017eit\u011b dlouhou dobu
 c) existenci p\u0159\u00edpadn\u00fdch dal\u0161\u00edch zadlu\u017een\u00ed
 d) existenci z\u00e1znam\u016f v registrech dlu\u017en\u00edk\u016f
 e) majetkov\u00e9 pom\u011bry takov\u00e9ho \u017eadatele a jeho rodiny
 P\u0159\u00edpadn\u011b po\u017eaduj\u00ed n\u011bjak\u00e9ho toho spoluru\u010ditele nebo jinou z\u00e1ruku a podobn\u011b.
 A kdy\u017e \u010dlov\u011bk p\u0159i takov\u00e9m prov\u011b\u0159ov\u00e1n\u00ed neusp\u011bje? Kdy\u017e nespln\u00ed n\u00e1ro\u010dn\u00e1 krit\u00e9ria? Pak m\u00e1 prost\u011b sm\u016flu. I kdyby mu v reklam\u00e1ch stokr\u00e1t tvrdili, \u017ee se mu tam pen\u011bz dostane, odejde po dlouh\u00e9m prov\u011b\u0159ov\u00e1n\u00ed s nepo\u0159\u00edzenou. A t\u0159eba i se slzami na kraj\u00ed\u010dku.
 A p\u0159itom si p\u0159iznejme, \u017ee . A to ani pro toho pr\u00e1v\u011b zm\u00edn\u011bn\u00e9ho \u010dlov\u011bka. Jen\u017e sice v bance neusp\u011bl, ale jinde by lehce mohl.
 Proto\u017ee banky nejsou t\u011bmi jedin\u00fdmi, kdo u n\u00e1s pen\u00edze p\u016fj\u010duj\u00ed. Je tu p\u0159ece i cel\u00fd nebankovn\u00ed sektor, kter\u00fd se zab\u00fdv\u00e1 t\u00edmt\u00e9\u017e. Tedy poskytov\u00e1n\u00edm p\u016fj\u010dek.
 A t\u0159eba takov\u00e1 nebankovn\u00ed hypot\u00e9ka je n\u011b\u010d\u00edm, co hrav\u011b z\u00edsk\u00e1 i ten, koho v bance zdvo\u0159ile nebo t\u0159eba i nezdvo\u0159ile odm\u00edtli. Toto m\u016f\u017ee b\u00fdt pr\u00e1v\u011b ta mo\u017enost, je\u017e doty\u010dn\u00e9mu ne\u00fasp\u011b\u0161n\u00e9mu \u017eadateli umo\u017en\u00ed dostat se hrav\u011b k pen\u011bz\u016fm a splnit si s nimi v\u0161echny sv\u00e9 pot\u0159eby a t\u0159eba i sny.
 P\u0159i nebankovn\u00ed hypot\u00e9ce nen\u00ed t\u0159eba dokl\u00e1dat v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f, nikdo se nept\u00e1 na to, jak chce doty\u010dn\u00fd \u010dlov\u011bk p\u016fj\u010den\u00e9 pen\u00edze pou\u017e\u00edt, v\u00fdznam nemus\u00ed m\u00edt ani n\u011bjak\u00fd ten z\u00e1znam v registru dlu\u017en\u00edk\u016f.
 Sta\u010d\u00ed d\u00e1t takov\u00e9 nebankov\u00ed spole\u010dnosti do z\u00e1ruky n\u011bjakou tu svoji nemovitost a nikoho u\u017e skoro nic nezaj\u00edm\u00e1, nikdo se v tom zbyte\u010dn\u011b nevrt\u00e1. Proto\u017ee ona zastaven\u00e1 nemovitost je garanc\u00ed, \u017ee budou pen\u00edze \u0159\u00e1dn\u011b vr\u00e1ceny.
 Proto\u017ee kdyby \u010dlov\u011bk nespl\u00e1cel, o svou nemovitost logicky p\u0159ijde. Co\u017e u\u017e je ale jen na jeho vlastn\u00edm rozhodnut\u00ed. A nikoliv na tom, jak rozhodnou n\u011bjac\u00ed bankovn\u00ed \u00fa\u0159edn\u00edci.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdo v\u00e1m p\u016fj\u010d\u00ed?","item":"https:\/\/www.regec.cz\/kdo-vam-pujci\/#breadcrumbitem"}]}]