[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pirates.cz\/kdyz-si-je-treba-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.pirates.cz\/kdyz-si-je-treba-pujcit\/","headline":"Kdy\u017e si je t\u0159eba p\u016fj\u010dit","name":"Kdy\u017e si je t\u0159eba p\u016fj\u010dit","description":"M\u00e1-li n\u011bkdo v\u00e9st norm\u00e1ln\u00ed \u017eivot, pot\u0159ebuje m\u00edt k tomuto zaji\u0161t\u011bn\u00fd dostate\u010dn\u00fd p\u0159\u00edjem. Bez pen\u011bz je toti\u017e jak zn\u00e1mo prakticky vylou\u010den\u00e9 po\u0159\u00eddit si v\u0161e, co je pro takov\u00fd slu\u0161n\u00fd \u017eivot zapot\u0159eb\u00ed, bez pen\u011bz se dokonce ani […]","datePublished":"2020-12-15","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.pirates.cz\/author\/#Person","name":"","url":"https:\/\/www.pirates.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pirates.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pirates.cz\/wp-content\/uploads\/dolary%20na%20tal%C3%AD%C5%99i.jpg","url":"https:\/\/www.pirates.cz\/wp-content\/uploads\/dolary%20na%20tal%C3%AD%C5%99i.jpg","height":0,"width":0},"url":"https:\/\/www.pirates.cz\/kdyz-si-je-treba-pujcit\/","about":["Ekonomika"],"wordCount":431,"articleBody":"      M\u00e1-li n\u011bkdo v\u00e9st norm\u00e1ln\u00ed \u017eivot, pot\u0159ebuje m\u00edt k tomuto zaji\u0161t\u011bn\u00fd dostate\u010dn\u00fd p\u0159\u00edjem. Bez pen\u011bz je toti\u017e jak zn\u00e1mo prakticky vylou\u010den\u00e9 po\u0159\u00eddit si v\u0161e, co je pro takov\u00fd slu\u0161n\u00fd \u017eivot zapot\u0159eb\u00ed, bez pen\u011bz se dokonce ani nenaj\u00edme, ani nikde neubytujeme, o n\u011b\u010dem nav\u00edc u\u017e pak ani nemluv\u011b. Jen\u017ee osud na\u0161ince nejednou potr\u00e1p\u00ed t\u00edm, \u017ee nenab\u00eddne tolik pen\u011bz, kolika by jich bylo pot\u0159eba. A \u010dlov\u011bk je tak odsouzen k tomu, aby si ut\u00e1hnul opasek. Co\u017e je nep\u0159\u00edjemn\u00e9, a nav\u00edc ani to nejednou nemus\u00ed sta\u010dit k tom, aby si doty\u010dn\u00fd zajistil aspo\u0148 vyrovnan\u00fd rozpo\u010det.Kdy\u017e je pak pen\u011bz nezvladateln\u00fd nedostatek, nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e si n\u011bjak\u00e9 pen\u00edze od n\u011bkoho p\u016fj\u010dit. A to pochopiteln\u011b od n\u011bkter\u00e9 z finan\u010dn\u00edch instituc\u00ed, je\u017e n\u00e1m takovou mo\u017enost nab\u00edzej\u00ed. Logika v takov\u00e9 situaci obvykle vel\u00ed, aby \u010dlov\u011bk po\u017e\u00e1dal o p\u016fj\u010dku banku. Jen\u017ee jak\u00fd je tu v\u00fdsledek?Je to smutn\u00e9, ale skute\u010dnost\u00ed je, \u017ee pr\u00e1v\u011b lid\u00e9, kte\u0159\u00ed jsou v nejv\u011bt\u0161\u00edch finan\u010dn\u00edch nesn\u00e1z\u00edch, b\u00fdvaj\u00ed bankami nej\u010dast\u011bji odm\u00edt\u00e1ni s t\u00edm, \u017ee nejsou bonitn\u00ed, tedy nemohou prok\u00e1zat dost vysok\u00e9 p\u0159\u00edjmy, je\u017e by nade v\u0161echnu pochybnost zaru\u010dovaly schopnost spl\u00e1cet, nemaj\u00ed \u010dist\u00e9 registry dlu\u017en\u00edk\u016f nebo opl\u00fdvaj\u00ed jin\u00fdmi probl\u00e9my, je\u017e jim kaz\u00ed profil.Banky prost\u011b maj\u00ed p\u0159\u00edsn\u00e1 pravidla, a od t\u011bch ani o kousek neustoup\u00ed. A kdy\u017e tu tedy n\u011bkdo se \u017e\u00e1dost\u00ed o p\u016fj\u010dku neusp\u011bje? Pak zb\u00fdv\u00e1 jedin\u011b hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu Hypotekybezregistru.cz. U t\u00e9 toti\u017e lze usp\u011bt i v p\u0159\u00edpad\u011b, \u017ee \u017eadatel zase a\u017e tak \u00fapln\u011b dokonal\u00fd nen\u00ed. Ov\u0161em ani zde \u201anen\u00ed r\u016f\u017ee bez trn\u00ed\u2018 a proto je pot\u0159eba po\u010d\u00edtat pro zm\u011bnu s t\u00edm, \u017ee se zde mus\u00ed d\u00e1t coby z\u00e1ruka nemovitost do z\u00e1stavy. Ale kdo takovou z\u00e1stavu nab\u00eddnout m\u016f\u017ee, p\u0159ijde si nejsp\u00ed\u0161e na sv\u00e9. A to za docela p\u0159\u00edzniv\u00fdch podm\u00ednek, proto\u017ee se tu d\u00e1 vcelku flexibiln\u011b nastavit i v\u00fd\u0161e spl\u00e1tek, i d\u00e9lka spl\u00e1cen\u00ed, d\u00e1 se tu z\u00edskat i velk\u00fd obnos, a to za p\u0159\u00edzniv\u00fd \u00farok.A proto je takov\u00e1 hypot\u00e9ka volbou t\u011bch, kdo nejsou dokonal\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e si je t\u0159eba p\u016fj\u010dit","item":"https:\/\/www.pirates.cz\/kdyz-si-je-treba-pujcit\/#breadcrumbitem"}]}]