[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.liver.cz\/kterou-pujcku-si-vybrat\/#Article","mainEntityOfPage":"https:\/\/www.liver.cz\/kterou-pujcku-si-vybrat\/","headline":"Kterou p\u016fj\u010dku si vybrat?","name":"Kterou p\u016fj\u010dku si vybrat?","description":"Pro soukrom\u00e9 podnik\u00e1n\u00ed je nezbytn\u00fd dostatek finan\u010dn\u00edch prost\u0159edk\u016f. Kdy\u017e tyto sch\u00e1zej\u00ed, ned\u00e1 se nakupovat materi\u00e1l nebo zbo\u017e\u00ed, nen\u00ed z \u010deho vypl\u00e1cet zam\u011bstnanc\u016fm mzdy, nen\u00ed mo\u017en\u00e9 hradit povinn\u00e9 odvody a podobn\u011b, a to je pochopiteln\u011b hodn\u011b<a class=\"read-more\" href=\"https:\/\/www.liver.cz\/kterou-pujcku-si-vybrat\/\">Continue reading<\/a>","datePublished":"2019-08-23","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.liver.cz\/author\/#Person","name":"liver.cz\n","url":"https:\/\/www.liver.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"liver.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.liver.cz\/wp-content\/uploads\/img_a360564_w1941_t1574183462.png","url":"https:\/\/www.liver.cz\/wp-content\/uploads\/img_a360564_w1941_t1574183462.png","height":0,"width":0},"url":"https:\/\/www.liver.cz\/kterou-pujcku-si-vybrat\/","about":["Pen\u00edze"],"wordCount":441,"articleBody":"         Pro soukrom\u00e9 podnik\u00e1n\u00ed je nezbytn\u00fd dostatek finan\u010dn\u00edch prost\u0159edk\u016f. Kdy\u017e tyto sch\u00e1zej\u00ed, ned\u00e1 se nakupovat materi\u00e1l nebo zbo\u017e\u00ed, nen\u00ed z \u010deho vypl\u00e1cet zam\u011bstnanc\u016fm mzdy, nen\u00ed mo\u017en\u00e9 hradit povinn\u00e9 odvody a podobn\u011b, a to je pochopiteln\u011b hodn\u011b z\u00e1va\u017en\u00fd probl\u00e9m. Probl\u00e9m, kter\u00fd majitel takov\u00e9 firmy nejednou \u0159e\u0161\u00ed p\u016fj\u010dkou. Proto\u017ee to b\u00fdv\u00e1 \u010dasto ta jedin\u00e1 mo\u017enost, jak se rychle dostat ke sch\u00e1zej\u00edc\u00edm financ\u00edm. Ov\u0161em probl\u00e9m je tu v tom, \u017ee ne ka\u017ed\u00fd takov\u00e9mu podnikateli tou\u017e\u00ed p\u016fj\u010dit. Zejm\u00e9na banky se vyzna\u010duj\u00ed p\u0159\u00edsn\u00fdmi podm\u00ednkami, je\u017e mus\u00ed takov\u00fd \u017eadatel splnit, aby byl hoden n\u011bjak\u00e9 t\u00e9 pomoci z jejich strany. A pokud m\u00e1 takov\u00fd podnikatel nevaln\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, n\u00edzk\u00e9 p\u0159\u00edjmy, z\u00e1znam v registrech dlu\u017en\u00edk\u016f, exekuci na krku a podobn\u011b, m\u00e1 jednodu\u0161e sm\u016flu. S n\u011bk\u00fdm takov\u00fdm banky neztr\u00e1cej\u00ed \u010das a odm\u00edtaj\u00ed ho. A pak je dob\u0159e, \u017ee existuje i americk\u00e1 hypot\u00e9ka bez registru Hypoteka-bez-registru. Ta se toti\u017e od klasick\u00fdch bankovn\u00edch p\u016fj\u010dek li\u0161\u00ed v tom, \u017ee se zde \u017eadatel mus\u00ed za p\u016fj\u010den\u00ed pen\u011bz zaru\u010dit nemovitost\u00ed odpov\u00eddaj\u00edc\u00ed hodnoty a jednodu\u0161e prok\u00e1zat schopnost spl\u00e1cet aspo\u0148 po t\u011bch nejni\u017e\u0161\u00edch mo\u017en\u00fdch spl\u00e1tk\u00e1ch. U t\u00e9to nebankovn\u00ed nab\u00eddky pak nehraj\u00ed zase a\u017e tak v\u00fdznamnou roli dal\u0161\u00ed \u017eadatelovy nedostatky, nad skoup\u00fdm da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm, n\u011bjak\u00fdm ban\u00e1ln\u00edm z\u00e1znamem v registrech a podobn\u011b se tu d\u00e1 p\u0159imhou\u0159it oko. \u010c\u00edm\u017e je tato nebankovn\u00ed hypot\u00e9ka p\u0159\u00edmo ide\u00e1ln\u00ed pro ka\u017ed\u00e9ho, \u017eadatele v nesn\u00e1z\u00edch nevyj\u00edmaje. Sta\u010d\u00ed tu jenom za\u017e\u00e1dat p\u0159es internet, poslat e-mailem p\u00e1r fotografi\u00ed on\u00e9 nemovitosti k posouzen\u00ed, dohodnout se z\u00e1stupcem poskytovatele oboustrann\u011b v\u00fdhodn\u00e9 podm\u00ednky, v\u0161e nezbytn\u00e9 dolo\u017eit a podepsat smlouvu a pak u\u017e nic nebr\u00e1n\u00ed rychl\u00e9mu p\u0159eveden\u00ed po\u017eadovan\u00e9 sumy na \u017eadatel\u016fv \u00fa\u010det. Ani\u017e by tento musel zaplatit by\u0165 i jenom korunu p\u0159edem, z\u00edsk\u00e1 a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny on\u00e9 nemovitosti, je\u017e m\u016f\u017ee spl\u00e1cet klidn\u011b i dlouh\u00fdch t\u0159icet let, je\u017e ale m\u016f\u017ee kdykoliv vr\u00e1tit i p\u0159ed\u010dasn\u011b, ani\u017e by na tom tratil. \u00daroky i spl\u00e1tky tu b\u00fdvaj\u00ed p\u0159\u00edzniv\u00e9, pen\u00edze lze pou\u017e\u00edt na cokoliv,\u2026 A co by si problematick\u00fd (ale klidn\u011b i neproblematick\u00fd) \u017eadatel mohl p\u0159\u00e1t v\u00edce, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kterou p\u016fj\u010dku si vybrat?","item":"https:\/\/www.liver.cz\/kterou-pujcku-si-vybrat\/#breadcrumbitem"}]}]