[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fontanus.cz\/od-koho-si-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.fontanus.cz\/od-koho-si-pujcit\/","headline":"Od koho si p\u016fj\u010dit?","name":"Od koho si p\u016fj\u010dit?","description":"Lidsk\u00fd \u017eivot se m\u016f\u017ee nejednou lec\u010d\u00edm zkomplikovat. A za mnoha z probl\u00e9m\u016f, je\u017e lidi obvykle postihuj\u00ed, jsou pen\u00edze. A to zpravidla jejich nedostatek. Kdy\u017e n\u011bkdo nem\u00e1 tolik pen\u011bz, kolik jich pot\u0159ebuje m\u00edt, m\u00e1 to zkr\u00e1tka t\u011b\u017ek\u00e9. A pokud takov\u00e9 t\u011b\u017ekosti p\u0159es\u00e1hnou \u00fanosnou mez, nen\u00ed zbyt\u00ed a \u010dlov\u011bk si zkr\u00e1tka mus\u00ed vz\u00edt p\u016fj\u010dku, je\u017e by mu […]","datePublished":"2020-09-20","dateModified":"2020-09-20","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\/eura%20mince_10_4.jpg","url":"https:\/\/www.fontanus.cz\/wp-content\/uploads\/eura%20mince_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.fontanus.cz\/od-koho-si-pujcit\/","about":["Finance"],"wordCount":427,"articleBody":"   Lidsk\u00fd \u017eivot se m\u016f\u017ee nejednou lec\u010d\u00edm zkomplikovat. A za mnoha z probl\u00e9m\u016f, je\u017e lidi obvykle postihuj\u00ed, jsou pen\u00edze. A to zpravidla jejich nedostatek.Kdy\u017e n\u011bkdo nem\u00e1 tolik pen\u011bz, kolik jich pot\u0159ebuje m\u00edt, m\u00e1 to zkr\u00e1tka t\u011b\u017ek\u00e9. A pokud takov\u00e9 t\u011b\u017ekosti p\u0159es\u00e1hnou \u00fanosnou mez, nen\u00ed zbyt\u00ed a \u010dlov\u011bk si zkr\u00e1tka mus\u00ed vz\u00edt p\u016fj\u010dku, je\u017e by mu pomohla st\u00e1vaj\u00edc\u00ed probl\u00e9my p\u0159eklenout.Ov\u0161em nad\u011bje na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky b\u00fdvaj\u00ed r\u016fzn\u00e9. Z\u00e1vis\u00ed to toti\u017e na zvolen\u00e9m poskytovateli a typu p\u016fj\u010dky i na situaci, v n\u00ed\u017e se zrovna \u017eadatel nach\u00e1z\u00ed. Jestli\u017ee m\u00e1 z\u00e1jemce o p\u016fj\u010dku nemal\u00e9 probl\u00e9my a obr\u00e1t\u00ed se na banku, kde obvykle panuj\u00ed p\u0159\u00edsn\u00e1 pravidla v\u00fdb\u011bru, je nad\u011bje na z\u00edsk\u00e1n\u00ed podobn\u00e9 pomoci minim\u00e1ln\u00ed, ne-li p\u0159\u00edmo nulov\u00e1. Proto\u017ee banka zjist\u00ed \u017eadatelovy p\u0159\u00edjmy, je\u017e shled\u00e1 b\u00fdt n\u00edzk\u00fdmi, nahl\u00e9dne do registr\u016f dlu\u017en\u00edk\u016f, v nich\u017e m\u016f\u017ee m\u00edt \u017eadatel n\u011bjak\u00fd nep\u0159\u00edjemn\u00fd z\u00e1znam, prov\u011b\u0159\u00ed se to i ono, a kdy\u017e \u017eadatel v n\u011b\u010dem nevyhov\u00ed, m\u00e1 sm\u016flu.Americk\u00e1 hypot\u00e9ka https:\/\/nebankovnihypoteky.net\/americka-hypoteka-3\/ je v takov\u00e9 chv\u00edli ide\u00e1ln\u00ed alternativou. U t\u00e9 se toti\u017e d\u00e1 usp\u011bt i tehdy, kdy\u017e m\u00e1 \u017eadatel jenom n\u00edzk\u00e9, av\u0161ak st\u00e1le je\u0161t\u011b ke spl\u00e1cen\u00ed dosta\u010duj\u00edc\u00ed p\u0159\u00edjmy, i tehdy, kdy\u017e lze u \u017eadatele narazit na z\u00e1znam v registrech dlu\u017en\u00edk\u016f nebo jinou nep\u0159\u00edjemnost. A to z toho prost\u00e9ho d\u016fvodu, \u017ee se zde d\u00e1 stejn\u011b jako u jak\u00e9koliv jin\u00e9 hypot\u00e9ky usp\u011bt d\u00edky tomu, \u017ee se tu ru\u010d\u00ed za p\u016fj\u010den\u00e9 pen\u00edze zastaven\u00edm nemovitosti, je\u017e by poslou\u017eila v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed nebankovn\u00ed spole\u010dnosti k vyrovn\u00e1n\u00ed \u00fa\u010dt\u016f.A proto\u017ee se u takov\u00e9 hypot\u00e9ky nic slo\u017eit\u011b neprov\u011b\u0159uje, m\u016f\u017ee b\u00fdt tato schv\u00e1lena a vyplacena ji\u017e kr\u00e1tce po pod\u00e1n\u00ed \u017e\u00e1dosti p\u0159es internet, respektive po podpisu smlouvy. A podm\u00ednky jsou u t\u00e9to p\u016fj\u010dky natolik p\u0159\u00edzniv\u00e9, \u017ee se j\u00ed snad ani ned\u00e1 opovrhovat.V\u017edy\u0165 kde jinde p\u016fj\u010d\u00ed problematick\u00e9mu \u017eadateli t\u0159eba a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny jeho nemovitosti a spl\u00e1cet ho n\u00e1sledn\u011b nechaj\u00ed klidn\u011b i t\u0159icet let po mal\u00fdch \u010d\u00e1stk\u00e1ch? Dost mo\u017en\u00e1 v\u016fbec nikde.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Od koho si p\u016fj\u010dit?","item":"https:\/\/www.fontanus.cz\/od-koho-si-pujcit\/#breadcrumbitem"}]}]