[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.liver.cz\/z-nebankovni-spolecnosti-rozhodne-neodejdete-s-prazdnou\/#Article","mainEntityOfPage":"https:\/\/www.liver.cz\/z-nebankovni-spolecnosti-rozhodne-neodejdete-s-prazdnou\/","headline":"Z nebankovn\u00ed spole\u010dnosti rozhodn\u011b neodejdete s pr\u00e1zdnou","name":"Z nebankovn\u00ed spole\u010dnosti rozhodn\u011b neodejdete s pr\u00e1zdnou","description":"A\u010d jsou va\u0161e p\u0159\u00edjmy sebelep\u0161\u00ed, banka na to m\u016f\u017ee m\u00edt \u00fapln\u011b jin\u00fd n\u00e1zor. N\u011bco takov\u00e9ho se st\u00e1v\u00e1 pom\u011brn\u011b \u010dasto. P\u0159ijdete do banky s vyhl\u00eddkou na p\u016fj\u010dku, a pot\u00e9, co absolvujete n\u011bkolik sch\u016fzek, kter\u00e9 v\u00e1s stoj\u00ed<a class=\"read-more\" href=\"https:\/\/www.liver.cz\/z-nebankovni-spolecnosti-rozhodne-neodejdete-s-prazdnou\/\">Continue reading<\/a>","datePublished":"2019-07-23","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_a354300_w1795_t1568880534.jpg","url":"https:\/\/www.liver.cz\/wp-content\/uploads\/img_a354300_w1795_t1568880534.jpg","height":0,"width":0},"url":"https:\/\/www.liver.cz\/z-nebankovni-spolecnosti-rozhodne-neodejdete-s-prazdnou\/","about":["D\u016fm a byt"],"wordCount":436,"articleBody":"        A\u010d jsou va\u0161e p\u0159\u00edjmy sebelep\u0161\u00ed, banka na to m\u016f\u017ee m\u00edt \u00fapln\u011b jin\u00fd n\u00e1zor. N\u011bco takov\u00e9ho se st\u00e1v\u00e1 pom\u011brn\u011b \u010dasto. P\u0159ijdete do banky s vyhl\u00eddkou na p\u016fj\u010dku, a pot\u00e9, co absolvujete n\u011bkolik sch\u016fzek, kter\u00e9 v\u00e1s stoj\u00ed nem\u00e1lo \u010dasu, zjist\u00edte, \u017ee podle n\u00e1zoru banky m\u00e1te nedostate\u010dnou bonitu. Div\u00edte se, jak se n\u011bco takov\u00e9ho mohlo st\u00e1t? Naprosto jednodu\u0161e: banka mnoh\u00e9 z jednotliv\u00fdch druh\u016f va\u0161ich p\u0159\u00edjm\u016f jednodu\u0161e neuzn\u00e1 \u2013 t\u00edm sp\u00ed\u0161e, pokud poch\u00e1zej\u00ed z podnik\u00e1n\u00ed. A t\u00edm se va\u0161e p\u0159\u00edjmy podstatn\u011b sn\u00ed\u017e\u00ed. Naopak pokud jde o v\u00fddaje, tak ty \u010dasto nafoukne. A i kdyby byly sebeni\u017e\u0161\u00ed, naraz\u00edte na pau\u0161\u00e1ln\u00ed hranici v\u00fd\u0161e v\u00fddaj\u016f, kter\u00e1 se v\u017edy automaticky ode\u010d\u00edt\u00e1. K tomu si p\u0159idejte i fakt, \u017ee m\u00e1te po\u010detnou rodinu, jste p\u0159\u00edli\u0161 mlad\u00ed anebo naopak letit\u00ed, anebo t\u0159eba spl\u00e1c\u00edte n\u011bjak\u00e9 finan\u010dn\u00ed z\u00e1vazky z minulosti. V\u00fdsledek? Va\u0161e bonita je p\u0159\u00edli\u0161 n\u00edzk\u00e1 na to, abyste p\u016fj\u010dku mohli z\u00edskat. \u0160patn\u00e1 zpr\u00e1va je, \u017ee a\u0165 u\u017e se obr\u00e1t\u00edte kamkoli, tak se podobn\u00e1 situace bude opakovat. Zkr\u00e1tka, z\u00edskat \u00fav\u011br v bance nen\u00ed \u017e\u00e1dn\u00e1 hra\u010dka. Jestli\u017ee se stalo i v\u00e1m, \u017ee v\u00e1s se \u017e\u00e1dost\u00ed o p\u016fj\u010dku odm\u00edtli, a vy ji zkr\u00e1tka mus\u00edte m\u00edt, tak nev\u011b\u0161te hlavu. S bankami va\u0161e mo\u017enosti zdaleka nekon\u010d\u00ed \u2013 je\u0161t\u011b jsou zde nebankovn\u00ed spole\u010dnosti. Obliba nebankovn\u00edch spole\u010dnost\u00ed mezi lidmi neust\u00e1le nar\u016fst\u00e1. A nen\u00ed se \u010demu divit \u2013 velkou roli v tom jist\u011b hraje fakt, \u017ee zde uspokoj\u00ed i mnoho t\u011bch lid\u00ed, kter\u00e9 banky odm\u00edtnou. Z\u00edskat nebankovn\u00ed \u00fav\u011br v situaci, kdy v\u00e1s banka odm\u00edtla, nemus\u00ed b\u00fdt ani ten nejmen\u0161\u00ed probl\u00e9m. Nejlep\u0161\u00ed cestou, jak to ud\u011blat, je po\u017e\u00e1dat o hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Po\u010d\u00edtat byste ov\u0161em m\u011bli s t\u00edm, \u017ee i u takov\u00e9ho \u00fav\u011bru budete muset p\u0159\u00edjmy dolo\u017eit \u2013 \u017e\u00e1dn\u00fd poskytovatel v\u00e1m ned\u00e1 \u00fav\u011br, ani\u017e by si va\u0161e finan\u010dn\u00ed mo\u017enosti prov\u011b\u0159il. Nicm\u00e9n\u011b i ni\u017e\u0161\u00ed p\u0159\u00edjem je mo\u017en\u00e9 tolerovat, t\u00edm sp\u00ed\u0161e, kdy\u017e se podm\u00ednky p\u016fj\u010dky nastav\u00ed tak, aby v\u00e1m umo\u017enily bezprobl\u00e9mov\u00e9 spl\u00e1cen\u00ed \u2013 t\u0159eba d\u00edky dlouh\u00e9 dob\u011b splatnosti a\u017e na t\u0159icet let.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z nebankovn\u00ed spole\u010dnosti rozhodn\u011b neodejdete s pr\u00e1zdnou","item":"https:\/\/www.liver.cz\/z-nebankovni-spolecnosti-rozhodne-neodejdete-s-prazdnou\/#breadcrumbitem"}]}]