[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bucibar.cz\/uver-skutecne-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.bucibar.cz\/uver-skutecne-pro-kazdeho\/","headline":"\u00dav\u011br skute\u010dn\u011b pro ka\u017ed\u00e9ho","name":"\u00dav\u011br skute\u010dn\u011b pro ka\u017ed\u00e9ho","description":"Podle n\u00e1zor\u016f a zku\u0161enost\u00ed odborn\u00edk\u016f z finan\u010dn\u00edho sv\u011bta do\u0161lo mezi klienty a poskytovateli hypot\u00e9k k mal\u00e9mu nedorozum\u011bn\u00ed. D\u00edky finan\u010dn\u00edmu produktu, kter\u00fd byl nazv\u00e1n jednodu\u0161e \u201ehypot\u00e9ka bez p\u0159\u00edjmu\u201c, z\u00edskalo mnoho potencion\u00e1ln\u00edch klient\u016f p\u0159edstavu, \u017ee nebude zapot\u0159eb\u00ed dokazovat v\u016fbec \u017e\u00e1dn\u00e9 p\u0159\u00edjmy. To je pr\u00e1v\u011b omyl, kter\u00fd je st\u00e1le vyhled\u00e1van\u00fd. \u017d\u00e1dn\u00fd solidn\u00ed poskytovatel finan\u010dn\u00edch produkt\u016f nep\u016fj\u010d\u00ed pen\u011b\u017en\u00ed prost\u0159edky […]","datePublished":"2019-09-11","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.bucibar.cz\/author\/#Person","name":"","url":"https:\/\/www.bucibar.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9d25b0af9840660883a67790aa4f595ddc226aa4680c4cf7bc03a25c14fcef85?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9d25b0af9840660883a67790aa4f595ddc226aa4680c4cf7bc03a25c14fcef85?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bucibar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bucibar.cz\/wp-content\/uploads\/img_a337410_w1707_t1550569869.jpg","url":"https:\/\/www.bucibar.cz\/wp-content\/uploads\/img_a337410_w1707_t1550569869.jpg","height":0,"width":0},"url":"https:\/\/www.bucibar.cz\/uver-skutecne-pro-kazdeho\/","about":["Online"],"wordCount":387,"articleBody":"        Podle n\u00e1zor\u016f a zku\u0161enost\u00ed odborn\u00edk\u016f z finan\u010dn\u00edho sv\u011bta do\u0161lo mezi klienty a poskytovateli hypot\u00e9k k mal\u00e9mu nedorozum\u011bn\u00ed. D\u00edky finan\u010dn\u00edmu produktu, kter\u00fd byl nazv\u00e1n jednodu\u0161e \u201ehypot\u00e9ka bez p\u0159\u00edjmu\u201c, z\u00edskalo mnoho potencion\u00e1ln\u00edch klient\u016f p\u0159edstavu, \u017ee nebude zapot\u0159eb\u00ed dokazovat v\u016fbec \u017e\u00e1dn\u00e9 p\u0159\u00edjmy. To je pr\u00e1v\u011b omyl, kter\u00fd je st\u00e1le vyhled\u00e1van\u00fd. \u017d\u00e1dn\u00fd solidn\u00ed poskytovatel finan\u010dn\u00edch produkt\u016f nep\u016fj\u010d\u00ed pen\u011b\u017en\u00ed prost\u0159edky n\u011bkomu, u koho nem\u00e1 jistotu, \u017ee bude moci sv\u00fdm z\u00e1vazk\u016fm dost\u00e1t. Ozna\u010den\u00ed m\u011blo b\u00fdt tedy sp\u00ed\u0161e upozorn\u011bn\u00edm, \u017ee dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f bude velice jednoduch\u00e9 a rychl\u00e9. \u00dav\u011bry se d\u011bl\u00ed na podnikatelsk\u00e9 a spot\u0159ebitelsk\u00e9. Ka\u017ed\u00fd z nich m\u00e1 sv\u00e1 jasn\u00e1 pravidla. Ani exekuce nejsou p\u0159ek\u00e1\u017ekou Ka\u017ed\u00fd \u017eadatel, kter\u00fd m\u00e1 z\u00e1jem o spot\u0159ebitelsk\u00fd \u00fav\u011br, mus\u00ed dolo\u017eit, \u017ee m\u00e1 n\u011bjak\u00fd uznateln\u00fd p\u0159\u00edjem. Je tak\u00e9 nutn\u00e9 dolo\u017eit i sv\u00e9 v\u00fddaje. Pouze t\u00edmto zp\u016fsobem lze zjistit, jak\u00e9 m\u00e1 klient mo\u017enosti a zda je v jeho sil\u00e1ch v budoucnu sv\u016fj z\u00e1vazek spl\u00e1cet. Podm\u00ednky ale nejsou zdaleka tak p\u0159\u00edsn\u00e9, jak by se mohlo zd\u00e1t. Dokonce nevad\u00ed ani exekuce, kter\u00e1 je na \u017eadatele uvalena. Bez dolo\u017eiteln\u00fdch p\u0159\u00edjm\u016f tedy nen\u00ed mo\u017en\u00e9 hypot\u00e9ku z\u00edskat. Jedna v\u00fdjimka nap\u0159\u00edklad pro nezam\u011bstnan\u00e9ho tu ale p\u0159eci jen je. Jestli\u017ee se rozhodne, \u017ee se zbav\u00ed dluh\u016f d\u00edky prodeji nemovitosti, pak mu m\u016f\u017ee b\u00fdt nebankovn\u00ed hypot\u00e9ka poskytnuta bez jak\u00fdchkoliv spl\u00e1tek. Pro firmy a podnikatele je ur\u010den podnikatelsk\u00fd \u00fav\u011br. Finance jsou v tomto p\u0159\u00edpad\u011b ur\u010deny pro pot\u0159eby firmy. M\u016f\u0159e to b\u00fdt investice do dal\u0161\u00edho podnik\u00e1n\u00ed nebo nap\u0159\u00edklad do roz\u0161\u00ed\u0159en\u00ed v\u00fdroby a inovace stroj\u016f. Ale je tak\u00e9 mo\u017en\u00e9 si refinancovat dluhy nebo vyplatit exekuce. Rozd\u00edl mezi bankou a nebankovn\u00edm sektorem je v tomto p\u0159\u00edpad\u011b opravdu velk\u00fd. Pokud p\u016fjdete \u017e\u00e1dat do banky a ta zjist\u00ed, \u017ee v\u00e1\u0161 p\u0159\u00edjem nen\u00ed dolo\u017eiteln\u00fd podle jejich pravidel, pak hypot\u00e9ku z\u00edsk\u00e1te opravdu jen velice obt\u00ed\u017en\u011b.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00dav\u011br skute\u010dn\u011b pro ka\u017ed\u00e9ho","item":"https:\/\/www.bucibar.cz\/uver-skutecne-pro-kazdeho\/#breadcrumbitem"}]}]