[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.strban.cz\/nebankovni-pujcky-jsou-fajn\/#Article","mainEntityOfPage":"https:\/\/www.strban.cz\/nebankovni-pujcky-jsou-fajn\/","headline":"Nebankovn\u00ed p\u016fj\u010dky jsou fajn","name":"Nebankovn\u00ed p\u016fj\u010dky jsou fajn","description":"A\u0165 si kdo chce, \u0159\u00edk\u00e1 cokoli, tak pr\u00e1v\u011b nebankovn\u00ed spole\u010dnosti jsou ty, kter\u00e9 v\u00e1m daj\u00ed \u0161anci z\u00edskat velk\u00e9 mno\u017estv\u00ed pen\u011bz","datePublished":"2019-08-25","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.strban.cz\/author\/#Person","name":"strban.cz\n","url":"https:\/\/www.strban.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0379e0c919e89f337c2f51ff1404922f8441b43281fb91f3719df99f70b9888f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0379e0c919e89f337c2f51ff1404922f8441b43281fb91f3719df99f70b9888f?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"strban.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.strban.cz\/wp-content\/uploads\/img_a360636_w2192_t1574232430.jpg","url":"https:\/\/www.strban.cz\/wp-content\/uploads\/img_a360636_w2192_t1574232430.jpg","height":0,"width":0},"url":"https:\/\/www.strban.cz\/nebankovni-pujcky-jsou-fajn\/","about":["Finance"],"wordCount":430,"articleBody":"        A\u0165 si kdo chce, \u0159\u00edk\u00e1 cokoli, tak pr\u00e1v\u011b nebankovn\u00ed spole\u010dnosti jsou ty, kter\u00e9 v\u00e1m daj\u00ed \u0161anci z\u00edskat velk\u00e9 mno\u017estv\u00ed pen\u011bz na cokoli, i kdy\u017e jste v p\u011bkn\u00e9m pr\u016f\u0161vihu. Jde jen o to, abyste prok\u00e1zali, \u017ee sv\u016fj dluh budete v budoucnosti poctiv\u011b spl\u00e1cet, co\u017e se d\u00e1 ud\u011blat r\u016fzn\u00fdmi zp\u016fsoby. Ten, kdo \u0159\u00edk\u00e1, \u017ee nebankovn\u00ed p\u016fj\u010dky jsou rizikov\u00e9, zpravidla nev\u00ed, o \u010dem mluv\u00ed. Ano, v minulosti mohly b\u00fdt rizikov\u00e9 v p\u0159\u00edpad\u011b, \u017ee jste si zvolili \u0161patn\u00e9ho poskytovatele. Toto u\u017e dnes nehroz\u00ed. Od lo\u0148sk\u00e9ho roku plat\u00ed z\u00e1kon o spot\u0159ebitelsk\u00fdch \u00fav\u011brech, kter\u00fd nastavil velmi p\u0159\u00edsn\u00e1 pravidla pro v\u0161echny jejich poskytovatele, a\u0165 u\u017e poch\u00e1zej\u00ed z bankovn\u00edho anebo nebankovn\u00edho sektoru. Zkr\u00e1tka, v\u0161ichni mus\u00ed spl\u0148ovat stejn\u00e9 podm\u00ednky, a proto m\u00e1te jistotu, \u017ee a\u0165 u\u017e se s \u017e\u00e1dost\u00ed o p\u016fj\u010dku obr\u00e1t\u00edte na libovolnou stranu, tak v\u00e1s tento z\u00e1kon p\u0159ed jak\u00fdmkoli rizikov\u00fdm chov\u00e1n\u00edm spolehliv\u011b ochr\u00e1n\u00ed. Specifick\u00fdm rysem v\u0161ech nebankovn\u00edch hypot\u00e9k je to, \u017ee se za p\u016fj\u010dku mus\u00edte zaru\u010dit nemovitost\u00ed \u2013 je to stejn\u00e9 jako u americk\u00e9 hypot\u00e9ky. A tento zp\u016fsob ru\u010den\u00ed celou situaci s vy\u0159\u00edzen\u00edm p\u016fj\u010dky v\u00fdrazn\u011b usnad\u0148uje. D\u00edky tomu, \u017ee ru\u010d\u00edte hodnotn\u00fdm majetkem, m\u00e1 v\u011b\u0159itel jistotu, \u017ee sv\u00e9 z\u00e1vazky splat\u00edte. A proto v\u00e1m m\u016f\u017ee p\u016fj\u010dit p\u0159esn\u011b tolik pen\u011bz, kolik chcete, konkr\u00e9tn\u011b sumu pen\u011bz a\u017e do v\u00fd\u0161e sedmdes\u00e1ti procent hodnoty v\u00e1mi zvolen\u00e9 nemovitosti. Nav\u00edc, velkou v\u00fdhodou je, \u017ee si m\u016f\u017eete sami vybrat, jakou nemovitost zvol\u00edte jako z\u00e1ruku za \u00fav\u011br. M\u016f\u017ee to b\u00fdt t\u0159eba klasick\u00fd byt, anebo i dru\u017estevn\u00ed byt, d\u016fm, va\u0161e v\u00edkendov\u00e1 chata anebo zahradn\u00ed chatka, anebo t\u0159eba i nezastav\u011bn\u00fd pozemek. Tak\u017ee si m\u016f\u017eete sjednat i hypot\u00e9ku na pozemek a v\u0161echno bude v naprost\u00e9m po\u0159\u00e1dku. Zkr\u00e1tka v\u017edy zvol\u00edte to, co m\u00e1te po ruce, a to, co m\u00e1 dostate\u010dnou hodnotu, abyste z\u00edskali \u010d\u00e1stku, o jakou m\u00e1te z\u00e1jem. A pokud n\u00e1hodou \u017e\u00e1dnou vhodnou nemovitost nevlastn\u00edte, m\u016f\u017eete celou v\u011bc vy\u0159\u00eddit i t\u00edm, \u017ee po\u017e\u00e1d\u00e1te o pomoc t\u0159et\u00ed osobu, kter\u00e1 je schopn\u00e1 poskytnout dostate\u010dn\u00e9 z\u00e1ruky za v\u00e1\u0161 \u00fav\u011br.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed p\u016fj\u010dky jsou fajn","item":"https:\/\/www.strban.cz\/nebankovni-pujcky-jsou-fajn\/#breadcrumbitem"}]}]