{"id":23052,"date":"2020-08-24T13:58:13","date_gmt":"2020-08-24T12:58:13","guid":{"rendered":"https:\/\/krasne-bydleni.cz\/?p=23052"},"modified":"2020-08-24T13:58:16","modified_gmt":"2020-08-24T12:58:16","slug":"pujcit-si-nemusi-byt-tezke","status":"publish","type":"post","link":"https:\/\/krasne-bydleni.cz\/?p=23052","title":{"rendered":"P\u016fj\u010dit si nemus\u00ed b\u00fdt t\u011b\u017ek\u00e9"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>P\u016fj\u010dky se dnes u n\u00e1s nab\u00edzej\u00ed v\u0161ude mo\u017en\u011b a dalo by se tak usuzovat na to, \u017ee se nen\u00ed t\u0159eba ob\u00e1vat p\u0159\u00edpadn\u00fdch finan\u010dn\u00edch t\u011b\u017ekost\u00ed. Pokud nevych\u00e1z\u00edme s&nbsp;pen\u011bzi, sta\u010d\u00ed si p\u0159ece zaj\u00edt t\u0159eba n\u011bkam do <\/em><strong><em>banky<\/em><\/strong><em>, po\u017e\u00e1dat si tam o tolik finan\u010dn\u00edch prost\u0159edk\u016f, kolik n\u00e1m jich pr\u00e1v\u011b sch\u00e1z\u00ed, a je to.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Jen\u017ee ono to tak ani zdaleka nefunguje. P\u016fj\u010dky se toti\u017e sice nab\u00edzej\u00ed, ale v\u00fdhradn\u011b t\u011bm, kdo jsou schopni a ochotni zaru\u010dit jejich \u0159\u00e1dn\u00e9 splacen\u00ed. A pr\u00e1v\u011b na t\u00e9to povinnosti nejeden ze \u017eadatel\u016f ztroskot\u00e1.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Dok\u00e1\u017eete si to mo\u017en\u00e1 p\u0159edstavit. Jak asi dopadne n\u011bkde v&nbsp;bance \u017eadatel, kter\u00fd p\u0159izn\u00e1, \u017ee vyd\u011bl\u00e1v\u00e1 s&nbsp;b\u00eddou na svoji holou existenci a vlastn\u011b ani tento <\/em><strong><em>p\u0159\u00edjem<\/em><\/strong><em> nem\u00e1 dlouhodob\u011bji jist\u00fd? Jak asi dopadne n\u011bkdo, u koho vyjde najevo, \u017ee u\u017e i bez t\u00e9 p\u016fj\u010dky, o ni\u017e se uch\u00e1z\u00ed, mus\u00ed spl\u00e1cet tolik jin\u00fdch z\u00e1vazk\u016f, \u017ee je vlastn\u011b s&nbsp;podivem, \u017ee mu zbude aspo\u0148 na j\u00eddlo? Jak se asi budou \u00fa\u0159edn\u00edci d\u00edvat na n\u011bkoho, kdo m\u00e1 z\u00e1znam v&nbsp;registrech dlu\u017en\u00edk\u016f, kter\u00fd nazna\u010duje, \u017ee u\u017e doty\u010dn\u00fd v&nbsp;dosavadn\u00edm \u017eivot\u011b n\u011bco nespl\u00e1cel tak, jak m\u011bl? Jakou reputaci asi m\u00e1 ten, kolem n\u011bho\u017e krou\u017e\u00ed exekuto\u0159i jako supi?<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>N\u011bkdo takov\u00fd m\u00e1 zkr\u00e1tka sm\u016flu. A tak\u00e9 \u0161t\u011bst\u00ed v&nbsp;ne\u0161t\u011bst\u00ed, pokud zn\u00e1 pojem <\/em><a href=\"https:\/\/www.hypotekybezregistru.cz\/nebankovni-hypoteka\/\"><strong><em>hypot\u00e9ka na dru\u017estevn\u00ed byt<\/em><\/strong><\/a><em>.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Tato <\/em><strong><em>hypot\u00e9ka<\/em><\/strong><em> je nejednou t\u00edm jedin\u00fdm, co d\u00e1v\u00e1 nad\u011bji na p\u016fj\u010den\u00ed i t\u011bm, o n\u011b\u017e jin\u00e9 finan\u010dn\u00ed instituce nestoj\u00ed. U t\u00e9to nebankovn\u00ed nab\u00eddky toti\u017e nez\u00e1le\u017e\u00ed zase a\u017e tak moc na tom, co se \u017e\u00e1d\u00e1 jinde, tady je pot\u0159eba splnit jenom naprost\u00e9 minimum po\u017eadavk\u016f.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Kdo m\u00e1 na na\u0161em \u00fazem\u00ed nemovitost, kterou by se v&nbsp;r\u00e1mci t\u00e9to hypot\u00e9ky dok\u00e1zal za p\u016fj\u010den\u00e9 pen\u00edze zaru\u010dit, respektive kdo zn\u00e1 n\u011bkoho s&nbsp;nemovitost\u00ed, jen\u017e by se zaru\u010dil za n\u011bj, m\u00e1 prakticky vyhr\u00e1no. Krom\u011b takov\u00e9 z\u00e1stavy a prok\u00e1z\u00e1n\u00ed, \u017ee bude m\u00edt doty\u010dn\u00fd i p\u0159\u00edjmy posta\u010duj\u00edc\u00ed ke spl\u00e1cen\u00ed, se tu toti\u017e nic jin\u00e9ho nezbytn\u011b ne\u017e\u00e1d\u00e1 a ani nezkoum\u00e1. A sta\u010d\u00ed tu tak jenom vyplnit formul\u00e1\u0159 na webu <\/em><strong><em>poskytovatele<\/em><\/strong><em>, poslat n\u011bjak\u00e9 ty po\u017eadovan\u00e9 sn\u00edmky nemovitosti k&nbsp;posouzen\u00ed e-mailem a u\u017e to jede. Do \u010dty\u0159iadvaceti hodin se v\u00ed, zda doty\u010dn\u00e9mu p\u016fj\u010d\u00ed a kolik, pak sta\u010d\u00ed podepsat smlouvu a pen\u00edze jsou k&nbsp;dispozici. Lze je pou\u017e\u00edt na cokoliv, lze je spl\u00e1cet od jednoho roku po t\u0159icet let, p\u0159\u00edpadn\u011b je vr\u00e1tit i p\u0159ed\u010dasn\u011b a bez poplatk\u016f. Nic se neplat\u00ed p\u0159edem, nikde \u017e\u00e1dn\u00fd smlouvu znev\u00fdhod\u0148uj\u00edc\u00ed h\u00e1\u010dek, v\u00fdhradn\u011b v\u00fdhodn\u00e9 \u00faroky a <\/em><strong><em>poplatky<\/em><\/strong><em>,\u2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>A to i pro n\u011bkoho, komu by nikde jinde nep\u016fj\u010dili ani korunu!<\/em><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"960\" height=\"528\" src=\"https:\/\/krasne-bydleni.cz\/wp-content\/uploads\/2020\/08\/iphone-3505817_960_720.jpg\" alt=\"\" class=\"wp-image-23054\" srcset=\"https:\/\/krasne-bydleni.cz\/wp-content\/uploads\/2020\/08\/iphone-3505817_960_720.jpg 960w, https:\/\/krasne-bydleni.cz\/wp-content\/uploads\/2020\/08\/iphone-3505817_960_720-800x440.jpg 800w, https:\/\/krasne-bydleni.cz\/wp-content\/uploads\/2020\/08\/iphone-3505817_960_720-585x322.jpg 585w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>P\u016fj\u010dky se dnes u n\u00e1s nab\u00edzej\u00ed v\u0161ude mo\u017en\u011b a dalo by se tak usuzovat na to, \u017ee se nen\u00ed t\u0159eba ob\u00e1vat p\u0159\u00edpadn\u00fdch finan\u010dn\u00edch t\u011b\u017ekost\u00ed. Pokud nevych\u00e1z\u00edme s&nbsp;pen\u011bzi, sta\u010d\u00ed si p\u0159ece&hellip;<\/p>\n","protected":false},"author":101,"featured_media":23055,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-23052","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bydleni"],"_links":{"self":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/23052","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/users\/101"}],"replies":[{"embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23052"}],"version-history":[{"count":0,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/posts\/23052\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=\/wp\/v2\/media\/23055"}],"wp:attachment":[{"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/krasne-bydleni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}