[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.101web.cz\/co-delat-kdyz-vas-prijem-na-pujcku-nestaci\/#Article","mainEntityOfPage":"https:\/\/www.101web.cz\/co-delat-kdyz-vas-prijem-na-pujcku-nestaci\/","headline":"Co d\u011blat, kdy\u017e v\u00e1\u0161 p\u0159\u00edjem na p\u016fj\u010dku nesta\u010d\u00ed?","name":"Co d\u011blat, kdy\u017e v\u00e1\u0161 p\u0159\u00edjem na p\u016fj\u010dku nesta\u010d\u00ed?","description":"Pokud pr\u00e1v\u011b vy p\u00e1tr\u00e1te po vhodn\u00e9 hypot\u00e9ce bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, tak byste m\u011bli v\u011bd\u011bt, \u017ee ve skute\u010dnosti v\u00e1m bez ov\u011b\u0159en\u00ed va\u0161ich p\u0159\u00edjm\u016f p\u016fj\u010dku nikdo ned\u00e1. Ka\u017ed\u00fd v\u011b\u0159itel, kter\u00fd by n\u011bco podobn\u00e9ho podniknul, riskuje, \u017ee tak p\u0159ivede do nemal\u00fdch probl\u00e9m\u016f nejen v\u00e1s, ale tak\u00e9 s\u00e1m sebe. Nicm\u00e9n\u011b pravda je, \u017ee n\u00e1zory na to, jak\u00fd p\u0159\u00edjem je pro p\u0159id\u011blen\u00ed \u00fav\u011bru dostate\u010dn\u00fd, se li\u0161\u00ed. Nejp\u0159\u00edsn\u011bji nastaven\u00e1 krit\u00e9ria maj\u00ed v tomto ohledu klasick\u00e9 bankovn\u00ed domy. Va\u0161i bonitu si prov\u011b\u0159\u00ed opravdu pe\u010dliv\u011b, a nejen to. Ka\u017ed\u00fd p\u0159\u00edle\u017eitostn\u00fd p\u0159\u00edjem je pro n\u011b rizikov\u00fd, proto\u017ee m\u016f\u017ee rychle pominout, tak\u017ee v\u00e1m jej neuznaj\u00ed. A je\u0161t\u011b nav\u00edc z toho, co pravideln\u011b z\u00edsk\u00e1v\u00e1te, ukroj\u00ed nemal\u00fd kus na pravideln\u00e9 v\u00fddaje, a to pau\u0161\u00e1ln\u00edm zp\u016fsobem, ani\u017e by se kdokoli zaj\u00edmal o to, jak vysok\u00e9 va\u0161e konkr\u00e9tn\u00ed v\u00fddaje jsou. Pokud stoj\u00edte o individu\u00e1ln\u00ed p\u0159\u00edstup a \u0159e\u0161en\u00ed situace \u0161it\u00e9 na m\u00edru va\u0161im pot\u0159eb\u00e1m, obra\u0165te se s \u017e\u00e1dost\u00ed o p\u016fj\u010dku na nebankovn\u00ed spole\u010dnost. To plat\u00ed jak v p\u0159\u00edpad\u011b, kdy m\u00e1te z\u00e1jem o podnikatelskou p\u016fj\u010dku, tak v p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Jestli\u017ee prok\u00e1\u017eete, \u017ee je v\u00e1\u0161 kone\u010dn\u00fd p\u0159\u00edjem po ode\u010dten\u00ed pravideln\u00fdch v\u00fddaj\u016f dost vysok\u00fd na to, abyste z n\u011bj mohli p\u016fj\u010den\u00e9 pen\u00edze i s \u00faroky spl\u00e1cet, \u00fav\u011br m\u00e1te v kapse. Ov\u0161em po\u010d\u00edtejte s t\u00edm, \u017ee za ka\u017edou nebankovn\u00ed hypot\u00e9ku se mus\u00edte zaru\u010dit nemovitost\u00ed v odpov\u00eddaj\u00edc\u00ed hodnot\u011b. A\u0165 u\u017e to bude t\u0159eba va\u0161e chata, gar\u00e1\u017e anebo podnikatelsk\u00e9 nebytov\u00e9 prostory, je pot\u0159eba, aby svou hodnotou odpov\u00eddaly \u010d\u00e1stce, o jakou m\u00e1te z\u00e1jem. Nicm\u00e9n\u011b nebyla by to nebankovn\u00ed hypot\u00e9ka, kdyby zde nebylo je\u0161t\u011b n\u011bjak\u00e9 z\u00e1lo\u017en\u00ed \u0159e\u0161en\u00ed pro ty, kdo se ocitli v opravdu slo\u017eit\u00e9 \u017eivotn\u00ed situaci: Tak\u017ee v\u0161ichni ti, kdo maj\u00ed sv\u016fj p\u0159\u00edjem p\u0159\u00edli\u0161 n\u00edzk\u00fd, mohou situaci vy\u0159e\u0161it s pomoc\u00ed spoludlu\u017en\u00edka, kter\u00fd se za n\u011b zaru\u010d\u00ed sv\u00fdm vlastn\u00edm p\u0159\u00edjmem. A v\u0161ichni ti, kdo \u017e\u00e1dnou nemovitost nevlastn\u00ed, mohou p\u0159izvat spolu\u017eadatele, kter\u00fd se za jejich p\u016fj\u010dku zaru\u010d\u00ed sv\u00fdm vlastn\u00edm nemovit\u00fdm majetkem.","datePublished":"2019-02-12","dateModified":"2019-02-12","author":{"@type":"Person","@id":"https:\/\/www.101web.cz\/author\/#Person","name":"","url":"https:\/\/www.101web.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"101web.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.101web.cz\/wp-content\/uploads\/img_a341494_w1698_t1554190749.jpg","url":"https:\/\/www.101web.cz\/wp-content\/uploads\/img_a341494_w1698_t1554190749.jpg","height":0,"width":0},"url":"https:\/\/www.101web.cz\/co-delat-kdyz-vas-prijem-na-pujcku-nestaci\/","about":["Byznys"],"wordCount":436,"articleBody":"      Pokud pr\u00e1v\u011b vy p\u00e1tr\u00e1te po vhodn\u00e9 hypot\u00e9ce bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, tak byste m\u011bli v\u011bd\u011bt, \u017ee ve skute\u010dnosti v\u00e1m bez ov\u011b\u0159en\u00ed va\u0161ich p\u0159\u00edjm\u016f p\u016fj\u010dku nikdo ned\u00e1. Ka\u017ed\u00fd v\u011b\u0159itel, kter\u00fd by n\u011bco podobn\u00e9ho podniknul, riskuje, \u017ee tak p\u0159ivede do nemal\u00fdch probl\u00e9m\u016f nejen v\u00e1s, ale tak\u00e9 s\u00e1m sebe. Nicm\u00e9n\u011b pravda je, \u017ee n\u00e1zory na to, jak\u00fd p\u0159\u00edjem je pro p\u0159id\u011blen\u00ed \u00fav\u011bru dostate\u010dn\u00fd, se li\u0161\u00ed. Nejp\u0159\u00edsn\u011bji nastaven\u00e1 krit\u00e9ria maj\u00ed v tomto ohledu klasick\u00e9 bankovn\u00ed domy. Va\u0161i bonitu si prov\u011b\u0159\u00ed opravdu pe\u010dliv\u011b, a nejen to. Ka\u017ed\u00fd p\u0159\u00edle\u017eitostn\u00fd p\u0159\u00edjem je pro n\u011b rizikov\u00fd, proto\u017ee m\u016f\u017ee rychle pominout, tak\u017ee v\u00e1m jej neuznaj\u00ed. A je\u0161t\u011b nav\u00edc z toho, co pravideln\u011b z\u00edsk\u00e1v\u00e1te, ukroj\u00ed nemal\u00fd kus na pravideln\u00e9 v\u00fddaje, a to pau\u0161\u00e1ln\u00edm zp\u016fsobem, ani\u017e by se kdokoli zaj\u00edmal o to, jak vysok\u00e9 va\u0161e konkr\u00e9tn\u00ed v\u00fddaje jsou. Pokud stoj\u00edte o individu\u00e1ln\u00ed p\u0159\u00edstup a \u0159e\u0161en\u00ed situace \u0161it\u00e9 na m\u00edru va\u0161im pot\u0159eb\u00e1m, obra\u0165te se s \u017e\u00e1dost\u00ed o p\u016fj\u010dku na nebankovn\u00ed spole\u010dnost. To plat\u00ed jak v p\u0159\u00edpad\u011b, kdy m\u00e1te z\u00e1jem o podnikatelskou p\u016fj\u010dku, tak v p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Jestli\u017ee prok\u00e1\u017eete, \u017ee je v\u00e1\u0161 kone\u010dn\u00fd p\u0159\u00edjem po ode\u010dten\u00ed pravideln\u00fdch v\u00fddaj\u016f dost vysok\u00fd na to, abyste z n\u011bj mohli p\u016fj\u010den\u00e9 pen\u00edze i s \u00faroky spl\u00e1cet, \u00fav\u011br m\u00e1te v kapse. Ov\u0161em po\u010d\u00edtejte s t\u00edm, \u017ee za ka\u017edou nebankovn\u00ed hypot\u00e9ku se mus\u00edte zaru\u010dit nemovitost\u00ed v odpov\u00eddaj\u00edc\u00ed hodnot\u011b. A\u0165 u\u017e to bude t\u0159eba va\u0161e chata, gar\u00e1\u017e anebo podnikatelsk\u00e9 nebytov\u00e9 prostory, je pot\u0159eba, aby svou hodnotou odpov\u00eddaly \u010d\u00e1stce, o jakou m\u00e1te z\u00e1jem. Nicm\u00e9n\u011b nebyla by to nebankovn\u00ed hypot\u00e9ka, kdyby zde nebylo je\u0161t\u011b n\u011bjak\u00e9 z\u00e1lo\u017en\u00ed \u0159e\u0161en\u00ed pro ty, kdo se ocitli v opravdu slo\u017eit\u00e9 \u017eivotn\u00ed situaci: Tak\u017ee v\u0161ichni ti, kdo maj\u00ed sv\u016fj p\u0159\u00edjem p\u0159\u00edli\u0161 n\u00edzk\u00fd, mohou situaci vy\u0159e\u0161it s pomoc\u00ed spoludlu\u017en\u00edka, kter\u00fd se za n\u011b zaru\u010d\u00ed sv\u00fdm vlastn\u00edm p\u0159\u00edjmem. A v\u0161ichni ti, kdo \u017e\u00e1dnou nemovitost nevlastn\u00ed, mohou p\u0159izvat spolu\u017eadatele, kter\u00fd se za jejich p\u016fj\u010dku zaru\u010d\u00ed sv\u00fdm vlastn\u00edm nemovit\u00fdm majetkem.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co d\u011blat, kdy\u017e v\u00e1\u0161 p\u0159\u00edjem na p\u016fj\u010dku nesta\u010d\u00ed?","item":"https:\/\/www.101web.cz\/co-delat-kdyz-vas-prijem-na-pujcku-nestaci\/#breadcrumbitem"}]}]