[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kocov.cz\/kterou-pujcku-zvolit\/#Article","mainEntityOfPage":"https:\/\/www.kocov.cz\/kterou-pujcku-zvolit\/","headline":"Kterou p\u016fj\u010dku zvolit?","name":"Kterou p\u016fj\u010dku zvolit?","description":"Pokud m\u00e1 podnikatel dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy a \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a postr\u00e1d\u00e1 p\u0159\u00edpadn\u00e1 dal\u0161\u00ed negativa, m\u00e1 to v p\u0159\u00edpad\u011b, \u017ee si pot\u0159ebuje p\u016fj\u010dit...","datePublished":"2019-07-18","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.kocov.cz\/author\/#Person","name":"","url":"https:\/\/www.kocov.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/505fff4dce96a6fd9b2c3bab9d6ad2c90e3ce4a797f024fc5ad345c11f66ba90?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/505fff4dce96a6fd9b2c3bab9d6ad2c90e3ce4a797f024fc5ad345c11f66ba90?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kocov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kocov.cz\/wp-content\/uploads\/img_a354442_w1711_t1568972121.jpg","url":"https:\/\/www.kocov.cz\/wp-content\/uploads\/img_a354442_w1711_t1568972121.jpg","height":0,"width":0},"url":"https:\/\/www.kocov.cz\/kterou-pujcku-zvolit\/","about":["Web"],"wordCount":428,"articleBody":"           Pokud m\u00e1 podnikatel dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy a \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a postr\u00e1d\u00e1 p\u0159\u00edpadn\u00e1 dal\u0161\u00ed negativa, m\u00e1 to v p\u0159\u00edpad\u011b, \u017ee si pot\u0159ebuje p\u016fj\u010dit pen\u00edze, pom\u011brn\u011b jednoduch\u00e9. Zajde si do n\u011bjak\u00e9 finan\u010dn\u00ed instituce, tam si za\u017e\u00e1d\u00e1 o p\u016fj\u010dku, je\u017e nejl\u00e9pe odpov\u00edd\u00e1 jeho p\u0159edstav\u00e1m, vyinkasuje pen\u00edze a je to.Ov\u0161em co kdy\u017e tento \u010dlov\u011bk vysok\u00e9 p\u0159\u00edjmy nem\u00e1? Co kdy\u017e m\u00e1 jenom skoup\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, z\u00e1znam v registrech dlu\u017en\u00edk\u016f, co kdy\u017e se na n\u011bj chystaj\u00ed exekuto\u0159i, proto\u017ee u\u017e dlu\u017e\u00ed kdekomu? Takov\u00fd to m\u00e1 v ot\u00e1zce p\u0159\u00edpadn\u00e9 p\u016fj\u010dky o pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed. Takov\u00e9mu jen tak n\u011bkdo nep\u016fj\u010d\u00ed, daleko sp\u00ed\u0161e se od n\u011bj odvrac\u00ed jedna banka za druhou.A co potom?A\u0165 u\u017e pat\u0159\u00ed podnikatel do kter\u00e9koliv z v\u00fd\u0161e zm\u00edn\u011bn\u00fdch skupin nebo je n\u011bkde uprost\u0159ed, v\u017edy se m\u016f\u017ee spolehnout na to, \u017ee se mu dostane v p\u0159\u00edpad\u011b pot\u0159eby pomoci v nebankovn\u00edm sektoru. P\u016fj\u010dka zvan\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je toti\u017e vcelku dostupn\u00e1 prakticky komukoliv. Tedy komukoliv, kdo vlastn\u00ed n\u011bjakou vhodnou nemovitost, ji\u017e by tu mohl nab\u00eddnout do z\u00e1stavy coby z\u00e1ruku za \u0159\u00e1dn\u00e9 splacen\u00ed cel\u00e9 p\u016fj\u010dky.Pokud n\u011bkdo m\u016f\u017ee takovouto mo\u017enost nab\u00eddnout, m\u016f\u017ee si b\u00fdt jist, \u017ee nebude nikterak zevrubn\u011b zkoum\u00e1n, co se jeho soukrom\u00ed t\u00fdk\u00e1. Nikoho nebude zaj\u00edmat, \u017ee m\u00e1 pouze pom\u011brn\u011b n\u00edzk\u00e9 p\u0159\u00edjmy, pokud tato skute\u010dnost nebr\u00e1n\u00ed schopnosti spl\u00e1cet, nad ban\u00e1ln\u00edm z\u00e1znamem v registrech dlu\u017en\u00edk\u016f se d\u00e1 m\u00e1vnout rukou.A jak takovou p\u016fj\u010dku z\u00edskat? Sta\u010d\u00ed jenom vyplnit on-line \u017e\u00e1dost a poslat e-mailem fotografie nemovitosti, je\u017e poslou\u017e\u00ed k jej\u00edmu ocen\u011bn\u00ed, pak s mana\u017eerem spole\u010dnosti projednat detaily hypot\u00e9\u010dn\u00ed smlouvy, a obvykle do \u010dty\u0159iadvaceti hodin je takov\u00e1 nebankovn\u00ed hypot\u00e9ka schv\u00e1lena a po zasl\u00e1n\u00ed podklad\u016f a podpisu smlouvy jsou pen\u00edze p\u0159evedeny na \u017eadatel\u016fv \u00fa\u010det.\u010clov\u011bk tak dostane a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny j\u00edm zastaven\u00e9 nemovitosti a tyto prost\u0159edky m\u016f\u017ee pou\u017e\u00edt na cokoliv. A pak je spl\u00e1cet t\u0159eba a\u017e po dobu t\u0159iceti let, nebo v\u0161e kdykoliv vr\u00e1tit bez sankc\u00ed i p\u0159ed\u010dasn\u011b.A co si p\u0159\u00e1t v\u00edc?                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kterou p\u016fj\u010dku zvolit?","item":"https:\/\/www.kocov.cz\/kterou-pujcku-zvolit\/#breadcrumbitem"}]}]