[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.raes.cz\/kdyz-prijmy-nestaci\/#Article","mainEntityOfPage":"https:\/\/www.raes.cz\/kdyz-prijmy-nestaci\/","headline":"Kdy\u017e p\u0159\u00edjmy nesta\u010d\u00ed","name":"Kdy\u017e p\u0159\u00edjmy nesta\u010d\u00ed","description":"Mo\u017en\u00e1 i vy pr\u00e1v\u011b \u010del\u00edte nep\u0159\u00edjemn\u00e9 \u017eivotn\u00ed situaci, kdy pot\u0159ebujete pen\u00edze, a to za ka\u017edou cenu, ale v\u0161ichni bankovn\u00ed \u00fa\u0159edn\u00edci se k v\u00e1m p\u0159itom obracej\u00ed … ","datePublished":"2019-04-20","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.raes.cz\/author\/#Person","name":"","url":"https:\/\/www.raes.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"raes.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.raes.cz\/wp-content\/uploads\/img_a346352_w1710_t1560502406.jpg","url":"https:\/\/www.raes.cz\/wp-content\/uploads\/img_a346352_w1710_t1560502406.jpg","height":0,"width":0},"url":"https:\/\/www.raes.cz\/kdyz-prijmy-nestaci\/","about":["Ekonomika"],"wordCount":443,"articleBody":"          Mo\u017en\u00e1 i vy pr\u00e1v\u011b \u010del\u00edte nep\u0159\u00edjemn\u00e9 \u017eivotn\u00ed situaci, kdy pot\u0159ebujete pen\u00edze, a to za ka\u017edou cenu, ale v\u0161ichni bankovn\u00ed \u00fa\u0159edn\u00edci se k v\u00e1m p\u0159itom obracej\u00ed z\u00e1dy a zakl\u00ednaj\u00ed se n\u00edzkou bonitou a va\u0161imi n\u00edzk\u00fdmi p\u0159\u00edjmy. A to se m\u016f\u017ee klidn\u011b st\u00e1t i v p\u0159\u00edpad\u011b, \u017ee jste doposud na to, \u017ee byste m\u011bli mal\u00fd plat ani nepomysleli \u2013 zkr\u00e1tka proto, \u017ee v\u00e1m doposud na v\u0161echny v\u00fddaje bohat\u011b sta\u010dil. I n\u011bco takov\u00e9ho se klidn\u011b m\u016f\u017ee st\u00e1t \u2013 \u010dlov\u011bk s pr\u016fm\u011brn\u00fdm p\u0159\u00edjmem je z banky vyk\u00e1z\u00e1n proto, \u017ee m\u00e1 n\u00edzkou bonitu a nem\u011bl by tak dost pen\u011bz na spl\u00e1cen\u00ed po\u017eadovan\u00e9 p\u016fj\u010dky. Zaj\u00edm\u00e1 v\u00e1s, \u010d\u00edm to je, \u017ee v\u00e1\u0161 plat pova\u017euj\u00ed v bance za p\u0159\u00edli\u0161 mal\u00fd? Banky toti\u017e k hodnocen\u00ed p\u0159\u00edjm\u016f a v\u00fddaj\u016f sv\u00fdch klient\u016f nepou\u017e\u00edvaj\u00ed re\u00e1ln\u00e1 \u010d\u00edsla, n\u00fdbr\u017e tabulky, odhady a p\u0159edem dan\u00e9 v\u00fddaje, kter\u00e9 v\u00e1m z va\u0161eho platu strhnou procentu\u00e1ln\u011b a nikoli podle skute\u010dnosti. To v\u0161e dohromady snadno zp\u016fsob\u00ed, \u017ee i kdy\u017e vyd\u011bl\u00e1v\u00e1te slu\u0161n\u00e9 pen\u00edze, tak v\u00e1s v bance budou m\u00edt skoro za \u017eebr\u00e1ka. T\u00edm sp\u00ed\u0161e, pokud m\u00e1te v\u00edce d\u011bt\u00ed a man\u017eelku na mate\u0159sk\u00e9 dovolen\u00e9. Na\u0161t\u011bst\u00ed se st\u00e1le m\u00e1te kam obr\u00e1tit. Jestli\u017ee se k v\u00e1m klasick\u00e9 bankovn\u00ed domy obracej\u00ed z\u00e1dy, pak se vy obra\u0165te na nebankovn\u00ed spole\u010dnost. Dokonce kv\u016fli tomu nebudete muset ani vyt\u00e1hnout paty z domova. Sta\u010d\u00ed v\u00e1m p\u0159ipojen\u00ed na internet a p\u00e1r minut \u010dasu. Do online formul\u00e1\u0159e na webov\u00fdch str\u00e1nk\u00e1ch spole\u010dnosti tak zad\u00e1te sv\u00e9 \u00fadaje a nav\u00edc i adresu nemovitosti, kterou m\u016f\u017eete ru\u010dit za p\u016fj\u010dku. Ru\u010den\u00ed nemovitost\u00ed je nezbytnou podm\u00ednkou k tomu, abyste mohli \u00fav\u011br z\u00edskat. Stejn\u011b tak je d\u016fle\u017eit\u00e9 m\u00edt dostate\u010dn\u00e9 p\u0159\u00edjmy pro spl\u00e1cen\u00ed \u00fav\u011bru i s \u00faroky. A to plat\u00ed i v situaci, kdy \u017e\u00e1d\u00e1te o hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu. Ale nemus\u00edte se b\u00e1t \u2013 nebankovn\u00ed spole\u010dnost je mnohem v\u00edce tolerantn\u00ed ne\u017e banka, a nav\u00edc nepou\u017e\u00edv\u00e1 \u017e\u00e1dn\u00e9 teoretick\u00e9 odhady, ale skute\u010dn\u00e1 \u010d\u00edsla o va\u0161\u00ed finan\u010dn\u00ed situaci. Jej\u00ed pracovn\u00edci v\u00e1m tak u\u0161ij\u00ed nab\u00eddku na m\u00edru, jej\u00ed\u017e podm\u00ednky si jist\u011b zamilujete.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e p\u0159\u00edjmy nesta\u010d\u00ed","item":"https:\/\/www.raes.cz\/kdyz-prijmy-nestaci\/#breadcrumbitem"}]}]