[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.knupp.cz\/pujcka-se-vzdy-sezene\/#Article","mainEntityOfPage":"https:\/\/www.knupp.cz\/pujcka-se-vzdy-sezene\/","headline":"P\u016fj\u010dka se v\u017edy se\u017eene","name":"P\u016fj\u010dka se v\u017edy se\u017eene","description":"\u017de \u010dlov\u011bka odm\u00edtnou s jeho \u017e\u00e1dost\u00ed o p\u016fj\u010dku v bance, na tom nen\u00ed zase nic a\u017e tak neobvykl\u00e9ho. To se st\u00e1v\u00e1, proto\u017ee v bank\u00e1ch maj\u00ed nastavena p\u0159\u00edsn\u00e1 pravidla a jejich krit\u00e9ri\u00edm tud\u00ed\u017e logicky jen tak n\u011bkdo nevyhov\u00ed.Ov\u0161em u nebankovn\u00edch spole\u010dnost\u00ed je to jin\u00e1. Tam si p\u0159ijde na sv\u00e9 i leckdo z t\u011bch, nad nimi\u017e bankovn\u00ed […]","datePublished":"2019-09-15","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.knupp.cz\/author\/#Person","name":"","url":"https:\/\/www.knupp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"knupp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.knupp.cz\/wp-content\/uploads\/img_a352024_w2112_t1566547731.jpg","url":"https:\/\/www.knupp.cz\/wp-content\/uploads\/img_a352024_w2112_t1566547731.jpg","height":0,"width":0},"url":"https:\/\/www.knupp.cz\/pujcka-se-vzdy-sezene\/","about":["Pen\u00edze"],"wordCount":421,"articleBody":"       \u017de \u010dlov\u011bka odm\u00edtnou s jeho \u017e\u00e1dost\u00ed o p\u016fj\u010dku v bance, na tom nen\u00ed zase nic a\u017e tak neobvykl\u00e9ho. To se st\u00e1v\u00e1, proto\u017ee v bank\u00e1ch maj\u00ed nastavena p\u0159\u00edsn\u00e1 pravidla a jejich krit\u00e9ri\u00edm tud\u00ed\u017e logicky jen tak n\u011bkdo nevyhov\u00ed.Ov\u0161em u nebankovn\u00edch spole\u010dnost\u00ed je to jin\u00e1. Tam si p\u0159ijde na sv\u00e9 i leckdo z t\u011bch, nad nimi\u017e bankovn\u00ed domy zlomily pomyslnou h\u016fl. Proto\u017ee nebankovn\u00ed poskytovatel\u00e9 m\u00edvaj\u00ed podm\u00ednky odli\u0161n\u00e9 od t\u011bch bankovn\u00edch, pru\u017en\u011bj\u0161\u00ed a tud\u00ed\u017e nastaviteln\u00e9 tak, aby byly spokojeny ob\u011b strany, tedy jak \u017eadatel, tak i poskytovatel.Dejme tomu takov\u00e1 nebankovn\u00ed hypot\u00e9ka. Ta se z\u00edsk\u00e1 vlastn\u011b v\u00edce ne\u017e jednodu\u0161e. I ta si sice logicky \u017e\u00e1d\u00e1 sv\u00e9, ani tu nikomu nedaj\u00ed \u201apro jeho kr\u00e1sn\u00e9 o\u010di\u2018, jak se \u0159\u00edk\u00e1, ale p\u0159esto jsou tu pravidla nastavena tak, \u017ee je nen\u00ed t\u011b\u017ek\u00e9 splnit.Pokud m\u00e1 n\u011bkdo o tuto formu p\u016fj\u010dky z\u00e1jem, mus\u00ed vlastn\u011b jenom: M\u00edt nemovitost na \u010desk\u00e9m \u00fazem\u00ed, ji\u017e by mohl d\u00e1t do z\u00e1stavy, ne\u017e bude ona p\u016fj\u010dka zodpov\u011bdn\u011b splacena. Dejme tomu byt, d\u016fm, komer\u010dn\u00ed objekt, chatu, pozemek,\u2026  P\u0159\u00edpadn\u011b m\u00edt n\u011bkoho, kdo by pro stejn\u00fd \u00fa\u010del dal k dispozici nemovitost svoji.  M\u00edt alespo\u0148 n\u011bjak\u00fd p\u0159\u00edjem, ze kter\u00e9ho by se daly hradit spl\u00e1tky takov\u00e9 p\u016fj\u010dky.  M\u00edt maxim\u00e1ln\u011b takov\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f, kter\u00fd nebude na z\u00e1vadu p\u0159i spl\u00e1cen\u00ed. Je-li uveden\u00e9 splniteln\u00e9, nic nebr\u00e1n\u00ed v tom, aby takov\u00fd \u010dlov\u011bk vyplnil na internetu jednoduch\u00fd formul\u00e1\u0159, zaslal k posouzen\u00ed n\u011bkolik fotografi\u00ed zm\u00edn\u011bn\u00e9 nemovitosti a pak se dohodl se z\u00e1stupcem poskytovatele na podrobnostech, po \u010dem\u017e ji\u017e nic nebr\u00e1n\u00ed podpisu smlouvy a vyplacen\u00ed tolik pot\u0159ebn\u00fdch financ\u00ed na \u017eadatel\u016fv \u00fa\u010det.Cel\u00fd proces vy\u0159izov\u00e1n\u00ed je pak je\u0161t\u011b o to v\u00fdhodn\u011bj\u0161\u00ed, \u017ee se nic neplat\u00ed p\u0159edem a v\u0161e prob\u00edh\u00e1 svi\u017en\u011b a bezprobl\u00e9mov\u011b. A \u010dlov\u011bk si tak lehce p\u0159ijde a\u017e na sedmdes\u00e1t procent odhadn\u00ed ceny on\u00e9 nemovitosti, je\u017e m\u016f\u017ee n\u00e1sledn\u011b spl\u00e1cet po mal\u00fdch sumi\u010dk\u00e1ch jeden rok a\u017e t\u0159icet let, pochopiteln\u011b i s mo\u017enost\u00ed vr\u00e1tit v\u0161e p\u0159ed\u010dasn\u011b, kdykoliv a bez sankc\u00ed.A tak n\u011bjak by asi m\u011bla vypadat ide\u00e1ln\u00ed p\u016fj\u010dka.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka se v\u017edy se\u017eene","item":"https:\/\/www.knupp.cz\/pujcka-se-vzdy-sezene\/#breadcrumbitem"}]}]