[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.raes.cz\/svet-financi-jak-ho-znate-a-mozna-i-neznate\/#Article","mainEntityOfPage":"https:\/\/www.raes.cz\/svet-financi-jak-ho-znate-a-mozna-i-neznate\/","headline":"Sv\u011bt financ\u00ed jak ho zn\u00e1te a mo\u017en\u00e1 i nezn\u00e1te","name":"Sv\u011bt financ\u00ed jak ho zn\u00e1te a mo\u017en\u00e1 i nezn\u00e1te","description":"Ve sv\u011bt\u011b financ\u00ed se d\u011bje ka\u017ed\u00fd den n\u011bco nov\u00e9ho. Odehr\u00e1vaj\u00ed se velk\u00e9 i mal\u00e9 zm\u011bny. N\u011bkdy se vyd\u00e1vaj\u00ed nov\u00e9 z\u00e1kony a doporu\u010den\u00ed, jindy je doba, … ","datePublished":"2018-06-23","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_a323314_w2173_t1535014577.jpg","url":"https:\/\/www.raes.cz\/wp-content\/uploads\/img_a323314_w2173_t1535014577.jpg","height":0,"width":0},"url":"https:\/\/www.raes.cz\/svet-financi-jak-ho-znate-a-mozna-i-neznate\/","about":["Ekonomika"],"wordCount":466,"articleBody":"      Ve sv\u011bt\u011b financ\u00ed se d\u011bje ka\u017ed\u00fd den n\u011bco nov\u00e9ho. Odehr\u00e1vaj\u00ed se velk\u00e9 i mal\u00e9 zm\u011bny. N\u011bkdy se vyd\u00e1vaj\u00ed nov\u00e9 z\u00e1kony a doporu\u010den\u00ed, jindy je doba, kdy si na v\u0161echny tyto zm\u011bny zvyk\u00e1me. Proto se nen\u00ed co divit, \u017ee pro n\u011bkter\u00e9 je sv\u011bt financ\u00ed velkou z\u00e1hadou. Na\u0161t\u011bst\u00ed jsou zde odborn\u00edci, kte\u0159\u00ed pe\u010dliv\u011b denn\u011b ve\u0161ker\u00e9 tyto zm\u011bny sleduj\u00ed a podle toho v\u0161echno nastavuj\u00ed, vytv\u00e1\u0159\u00ed smlouvy a sna\u017e\u00ed se danou problematiku vysv\u011btlit klient\u016fm. Mo\u017en\u00e1 jste si posledn\u00ed dobou tak\u00e9 v\u0161imli r\u016fzn\u00fdch zm\u011bn a z\u00e1kon\u016f, kter\u00e9 vydala \u010cNB ohledn\u011b bankovn\u00edch hypot\u00e9k a podobn\u00fdch informac\u00ed. Je toho opravdu hodn\u011b, av\u0161ak my se nyn\u00ed pod\u00edv\u00e1me na jeden finan\u010dn\u00ed produkt, kter\u00fd se budeme sna\u017eit v\u00e1m tak\u00e9 objasnit. Jde o to, \u017ee n\u011bkter\u00e9 n\u00e1zvy finan\u010dn\u00edch produkt\u016f p\u0159esn\u011b neodpov\u00eddaj\u00ed realit\u011b. M\u016f\u017eete se pak na konci dozv\u011bd\u011bt, \u017ee je to trochu jinak, ne\u017e jste si mysleli. My nechceme, aby do\u0161lo k n\u011bjak\u00e9mu podobn\u00e9mu nedopat\u0159en\u00ed a proto hned na za\u010d\u00e1tku vysv\u011btlujeme, jak je to s pravidly u jednotliv\u00fdch finan\u010dn\u00edch produkt\u016f.   Klienti maj\u00ed m\u00edt mo\u017enost z\u00edskat informace hned na za\u010d\u00e1tku, aby se mohli dop\u0159edu rozmyslet, zdali takov\u00fdto finan\u010dn\u00ed produkt budou cht\u00edt, nebo zda vyu\u017eij\u00ed jinou mo\u017enost financov\u00e1n\u00ed.Americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, zcela b\u011b\u017en\u00fd n\u00e1zev, se kter\u00fdm jste se jist\u011b u\u017e setkali. Jenom\u017ee neznamen\u00e1 p\u0159esn\u011b to, co se v n\u011bm p\u00ed\u0161e. \u00dav\u011br bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f toti\u017e neexistuje. Ka\u017ed\u00fd poskytovatel \u00fav\u011bru, a\u0165 jde o bankovn\u00ed nebo o nebankovn\u00ed spole\u010dnost, se mus\u00ed p\u0159esv\u011bd\u010dit, zdali je jeho klient schopen spl\u00e1cet a k tomu pot\u0159ebuje od v\u00e1s informace o va\u0161ich p\u0159\u00edjmech a v\u00fddaj\u00edch. Proto je nezbytn\u00e9 tyto informace dodat. Poskytovatel \u00fav\u011bru to posoud\u00ed a na z\u00e1klad\u011b toho m\u016f\u017eete z\u00edskat \u00fav\u011br. Dop\u0159edu se nen\u00ed \u010deho ob\u00e1vat Ov\u0161em pokud v\u00e1s to nyn\u00ed d\u011bs\u00ed, tak se nemus\u00edte strachovat. Dokl\u00e1d\u00e1n\u00ed nen\u00ed v\u016fbec slo\u017eit\u00e9 a nebude to trvat dlouho. Na\u0161e spole\u010dnost je dokonce schopn\u00e1 zajistit v\u00e1m pen\u00edze do 24 hodin, tak\u017ee v\u00e1m mus\u00ed b\u00fdt jasn\u00e9, \u017ee v\u0161echno prob\u00edh\u00e1 pouze b\u011bhem p\u00e1r dn\u00ed. Z\u00edsk\u00e1te a\u017e 70% z odhadn\u00ed ceny nemovitosti. Spl\u00e1cet m\u016f\u017eete a\u017e 30 let. Nic p\u0159edem neplat\u00edte. \u00dav\u011br m\u016f\u017eete zdarma p\u0159ed\u010dasn\u011b kdykoliv splatit.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sv\u011bt financ\u00ed jak ho zn\u00e1te a mo\u017en\u00e1 i nezn\u00e1te","item":"https:\/\/www.raes.cz\/svet-financi-jak-ho-znate-a-mozna-i-neznate\/#breadcrumbitem"}]}]