[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.crho.cz\/kde-a-jak-si-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.crho.cz\/kde-a-jak-si-pujcit\/","headline":"Kde a jak si p\u016fj\u010dit?","name":"Kde a jak si p\u016fj\u010dit?","description":"Jsou chv\u00edle, kdy \u010dlov\u011bk m\u016f\u017ee po\u010d\u00edtat, jak chce, a stejn\u011b mu to nen\u00ed nic platn\u00e9. Stejn\u011b je v\u00fdsledek nula nebo dokonce dosahuje z\u00e1porn\u00fdch hodnot. Doch\u00e1z\u00ed k tomu nejednou a t\u011b\u017eko […]","datePublished":"2019-02-07","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.crho.cz\/author\/#Person","name":"crho.cz\n","url":"https:\/\/www.crho.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"crho.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.crho.cz\/wp-content\/uploads\/img_a340231_w1743_t1553251159.jpg","url":"https:\/\/www.crho.cz\/wp-content\/uploads\/img_a340231_w1743_t1553251159.jpg","height":0,"width":0},"url":"https:\/\/www.crho.cz\/kde-a-jak-si-pujcit\/","about":["Pen\u00edze"],"wordCount":561,"articleBody":"          Jsou chv\u00edle, kdy \u010dlov\u011bk m\u016f\u017ee po\u010d\u00edtat, jak chce, a stejn\u011b mu to nen\u00ed nic platn\u00e9. Stejn\u011b je v\u00fdsledek nula nebo dokonce dosahuje z\u00e1porn\u00fdch hodnot. Doch\u00e1z\u00ed k tomu nejednou a t\u011b\u017eko bychom hledali v na\u0161ich \u0159ad\u00e1ch n\u011bkoho, kdo by mohl up\u0159\u00edmn\u011b a pravdiv\u011b tvrdit, \u017ee nikdy nem\u011bl hluboko do kapsy, \u017ee si nikdy nemusel nic odep\u0159\u00edt.N\u011bkdy se to vy\u0159e\u0161\u00ed t\u00edm, \u017ee si doty\u010dn\u00fd po ur\u010ditou dobu utrhuje od \u00fast. \u010cin\u00ed tak do doby, ne\u017e se v\u0161e v dobr\u00e9 obr\u00e1t\u00ed, a a\u017e pot\u00e9 si zase za\u010dne n\u00e1le\u017eit\u011b u\u017e\u00edvat \u017eivota.Jen\u017ee n\u011bkdy doty\u010dn\u00fd nem\u00e1 ani na takov\u00e9 v\u00fddaje, je\u017e se nezbytn\u011b zaplatit mus\u00ed. Nebo je\u017e by se sice daly odlo\u017eit na pozd\u011bj\u0161\u00ed dobu, jen\u017ee by to bylo z n\u011bjak\u00e9ho d\u016fvodu nev\u00fdhodn\u00e9. A v takov\u00e9 chv\u00edli nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e se na n\u011bkoho obr\u00e1tit se \u017e\u00e1dost\u00ed o p\u016fj\u010dku.Jen\u017ee co kdy\u017e se takov\u00fd \u010dlov\u011bk obr\u00e1t\u00ed na p\u0159\u00edbuzn\u00e9, p\u0159\u00e1tele a zn\u00e1m\u00e9 a ti se od n\u011bho odvr\u00e1t\u00ed? Co kdy\u017e po\u017e\u00e1d\u00e1 o p\u016fj\u010dku v bance, jen\u017ee jej\u00ed \u00fa\u0159edn\u00edci po dlouh\u00e9m a d\u016fkladn\u00e9m zkoum\u00e1n\u00ed dosp\u011bj\u00ed k n\u00e1zoru, \u017ee se nejedn\u00e1 o takov\u00e9ho klienta, jak\u00e9ho by si jejich instituce p\u0159edstavovala, a \u017e\u00e1dost zam\u00edtnou? A co kdy\u017e doty\u010dn\u00fd neusp\u011bje v\u016fbec nikde?Ani pak si je\u0161t\u011b zoufat nemus\u00ed. Proto\u017ee i ve chv\u00edli, kdy m\u00e1 \u00fadajn\u011b p\u0159\u00edli\u0161 n\u00edzk\u00e9 p\u0159\u00edjmy, i tehdy, kdy\u017e m\u00e1 n\u011bjak\u00fd ten \u201a\u0161kraloup\u2018 v podob\u011b z\u00e1znamu v registru dlu\u017en\u00edk\u016f, i kdy\u017e nen\u00ed schopen sehnat si dejme tomu spoluru\u010ditele, nen\u00ed je\u0161t\u011b v\u0161e ztraceno.Po\u0159\u00e1d se je\u0161t\u011b k pen\u011bz\u016fm dostat m\u016f\u017ee, a to klidn\u011b i k nemal\u00e9 sum\u011b. Proto\u017ee je tu je\u0161t\u011b i americk\u00e1 hypot\u00e9ka nebankovn\u00ed, je\u017e m\u016f\u017ee b\u00fdt u\u010din\u011bn\u00fdm darem seslan\u00fdm z nebes, je\u017e m\u016f\u017ee b\u00fdt t\u00edm dosud marn\u011b hledan\u00fdm \u0159e\u0161en\u00edm.V p\u0159\u00edpad\u011b americk\u00e9 nebankovn\u00ed hypot\u00e9ky jde o finan\u010dn\u00ed produkt, kter\u00fd se obejde i bez toho, bez \u010deho se klasick\u00e9 banky neobejdou. Nen\u00ed tu t\u0159eba b\u00fdt jednozna\u010dn\u011b a prokazateln\u011b schopn\u00fd spl\u00e1cet, nen\u00ed se tu t\u0159eba t\u0159\u00e1st hr\u016fzou pro ten zpropaden\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f, jen\u017e \u010dlov\u011bku kaz\u00ed profil. Tady toti\u017e jde o produkt, jen\u017e je zalo\u017een na ru\u010den\u00ed nemovitost\u00ed.\u010clov\u011bk se tu zaru\u010d\u00ed nemovitost\u00ed, ji\u017e vlastn\u00ed, a je dobr\u00e9, dok\u00e1\u017ee-li prok\u00e1zat, \u017ee je schopen spl\u00e1cet a nebude tak m\u00edt kv\u016fli t\u00e9to p\u016fj\u010dce je\u0161t\u011b dal\u0161\u00ed probl\u00e9my, je\u017e doposud nem\u00e1. Ov\u0161em je pravdou, \u017ee usp\u011bje prakticky ka\u017ed\u00fd dosp\u011bl\u00fd, proto\u017ee jsou tu krit\u00e9ria o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed ne\u017e v klasick\u00fdch bank\u00e1ch.\u010clov\u011bk tak snadno dostane a\u017e 70 % odhadn\u00ed ceny nemovitosti s \u00farokem kolem t\u0159\u00ed procent ro\u010dn\u011b. A m\u016f\u017ee ty pen\u00edze pou\u017e\u00edt, na co se mu zl\u00edb\u00ed.Jenom je pak bude muset tak\u00e9 jednoho dne vr\u00e1tit.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde a jak si p\u016fj\u010dit?","item":"https:\/\/www.crho.cz\/kde-a-jak-si-pujcit\/#breadcrumbitem"}]}]