[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fontanus.cz\/kde-se-da-ziskat-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.fontanus.cz\/kde-se-da-ziskat-pujcka\/","headline":"Kde se d\u00e1 z\u00edskat p\u016fj\u010dka?","name":"Kde se d\u00e1 z\u00edskat p\u016fj\u010dka?","description":"Pokud si \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, aby zvl\u00e1dnul to, na co mu jeho vlastn\u00ed prost\u0159edky nesta\u010d\u00ed, m\u016f\u017ee narazit i na probl\u00e9m se z\u00edsk\u00e1n\u00edm pr\u00e1v\u011b t\u00e9to formy pomoci. Proto\u017ee ka\u017ed\u00fd, kdo p\u016fj\u010dky nab\u00edz\u00ed, si nastavuje i pravidla, je\u017e mu maj\u00ed zaru\u010dit, \u017ee se s p\u016fj\u010den\u00fdmi pen\u011bzi a \u00faroky za n\u011b zase v po\u0159\u00e1dku shled\u00e1. A je […]","datePublished":"2019-06-10","dateModified":"2019-06-10","author":{"@type":"Person","@id":"https:\/\/www.fontanus.cz\/author\/#Person","name":"","url":"https:\/\/www.fontanus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fontanus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fontanus.cz\/wp-content\/uploads\/img_a351305_w1698_t1565987763.jpg","url":"https:\/\/www.fontanus.cz\/wp-content\/uploads\/img_a351305_w1698_t1565987763.jpg","height":0,"width":0},"url":"https:\/\/www.fontanus.cz\/kde-se-da-ziskat-pujcka\/","about":["Web"],"wordCount":451,"articleBody":"       Pokud si \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, aby zvl\u00e1dnul to, na co mu jeho vlastn\u00ed prost\u0159edky nesta\u010d\u00ed, m\u016f\u017ee narazit i na probl\u00e9m se z\u00edsk\u00e1n\u00edm pr\u00e1v\u011b t\u00e9to formy pomoci. Proto\u017ee ka\u017ed\u00fd, kdo p\u016fj\u010dky nab\u00edz\u00ed, si nastavuje i pravidla, je\u017e mu maj\u00ed zaru\u010dit, \u017ee se s p\u016fj\u010den\u00fdmi pen\u011bzi a \u00faroky za n\u011b zase v po\u0159\u00e1dku shled\u00e1. A je vcelku logick\u00e9, \u017ee ne ka\u017ed\u00fd \u017eadatel dok\u00e1\u017ee za v\u0161ech okolnost\u00ed splnit to, co se po n\u011bm \u017e\u00e1d\u00e1. A proto nen\u00ed ni\u010d\u00edm neobvykl\u00fdm, pokud uchaze\u010d o p\u016fj\u010dku se svou \u017e\u00e1dost\u00ed neusp\u011bje. Prost\u011b se obr\u00e1til na n\u011bkoho, kdo m\u00e1 pravidla p\u0159\u00edsn\u011bj\u0161\u00ed, ne\u017e dok\u00e1\u017ee \u017eadatel splnit, a nebylo tak dosa\u017eeno nezbytn\u00e9 shody. A co m\u00e1 takov\u00fd \u017eadatel d\u011blat d\u00e1l? Rozhodn\u011b nem\u00e1 smysl, aby se pokou\u0161el s n\u011bjak\u00fdm bankovn\u00edm \u00fa\u0159edn\u00edkem smlouvat nebo se p\u0159ed n\u00edm dokonce plazil po zemi po kolenou. Proto\u017ee to nen\u00ed \u0159e\u0161en\u00ed, t\u00edm se v bance pravidla pro p\u016fj\u010dku ani v nejmen\u0161\u00edm neovlivn\u00ed \u017e\u00e1douc\u00edm sm\u011brem. A ten, kdo se takto pon\u00ed\u017e\u00ed, bude br\u00e1n nanejv\u00fd\u0161 jako obt\u00ed\u017en\u00fd hmyz nebo figurka hodn\u00e1 zesm\u011b\u0161n\u011bn\u00ed. A to nem\u00e1 nikdo zapot\u0159eb\u00ed. Zejm\u00e9na kdy\u017e jsou tu v\u017edy i alternativy, kde m\u016f\u017ee usp\u011bt i ten, kdo to v bance prohr\u00e1l na cel\u00e9 \u010d\u00e1\u0159e. Nap\u0159\u00edklad takov\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f je pr\u00e1v\u011b jednou z alternativ, na ni\u017e by mohl a m\u011bl vsadit ka\u017ed\u00fd, kdo nen\u00ed zrovna ide\u00e1ln\u00edm \u017eadatelem, o kter\u00e9ho se finan\u010dn\u00ed instituce p\u0159etahuj\u00ed. Proto\u017ee u t\u00e9to jsou pravidla, je\u017e lze splnit daleko sn\u00e1ze. D\u00edky nim\u017e je tato hypot\u00e9ka dostupn\u00e1 velice \u0161irok\u00e9 \u0161k\u00e1le lid\u00ed, ty dost problematick\u00e9 nevyj\u00edmaje. D\u00edky nastaven\u00fdm pravidl\u016fm tu toti\u017e sta\u010d\u00ed nap\u0159\u00edklad prok\u00e1zat, \u017ee m\u00e1 \u010dlov\u011bk p\u0159\u00edjmy dosta\u010duj\u00edc\u00ed aspo\u0148 na uhrazen\u00ed minim\u00e1ln\u00edch spl\u00e1tek, z\u00e1znam v registru dlu\u017en\u00edk\u016f tu tak\u00e9 nemus\u00ed b\u00fdt katastrofou, pokud se jedn\u00e1 o n\u011bco, co neovlivn\u00ed negativn\u011b budouc\u00ed spl\u00e1cen\u00ed. A pokud m\u00e1 \u010dlov\u011bk n\u011bjakou nemovitost, kterou by tu mohl d\u00e1t coby z\u00e1stavu a d\u00edky n\u00ed\u017e by mohl \u010derpat a\u017e sedmdes\u00e1ti procent jej\u00ed odhadn\u00ed ceny, m\u00e1 vyhr\u00e1no docela. Co\u017e je dobr\u00e1 zpr\u00e1va pro v\u0161echny, kdo maj\u00ed probl\u00e9my a p\u0159esto si pot\u0159ebuj\u00ed p\u016fj\u010dit. Proto\u017ee odsud neodejdou s nepo\u0159\u00edzenou.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde se d\u00e1 z\u00edskat p\u016fj\u010dka?","item":"https:\/\/www.fontanus.cz\/kde-se-da-ziskat-pujcka\/#breadcrumbitem"}]}]