[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esfr.cz\/dum-a-zahrada\/kde-si-pujci-i-chudak\/#Article","mainEntityOfPage":"https:\/\/www.esfr.cz\/dum-a-zahrada\/kde-si-pujci-i-chudak\/","headline":"Kde si p\u016fj\u010d\u00ed i chud\u00e1k?","name":"Kde si p\u016fj\u010d\u00ed i chud\u00e1k?","description":"Pokud je na tom \u010dlov\u011bk finan\u010dn\u011b \u0161patn\u011b, nezb\u00fdv\u00e1 mu \u010dasto nic jin\u00e9ho ne\u017e p\u016fj\u010dka. Proto\u017ee jenom ta sk\u00fdt\u00e1 nad\u011bji, \u017ee bude m\u00edt doty\u010dn\u00fd tolik pen\u011bz, kolik pot\u0159ebuje, a to dokonce i pr\u00e1v\u011b v t\u00e9 dob\u011b, kdy je mu jich zapot\u0159eb\u00ed. Nez\u00e1le\u017e\u00ed tu na tom, jestli \u010dlov\u011bk odvede n\u011bkde v zam\u011bstn\u00e1n\u00ed po\u017eadovan\u00fd v\u00fdkon a jestli mu […]","datePublished":"2019-06-11","dateModified":"2019-06-11","author":{"@type":"Person","@id":"https:\/\/www.esfr.cz\/author\/#Person","name":"","url":"https:\/\/www.esfr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esfr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esfr.cz\/wp-content\/uploads\/img_a351303_w1681_t1565987547.jpg","url":"https:\/\/www.esfr.cz\/wp-content\/uploads\/img_a351303_w1681_t1565987547.jpg","height":0,"width":0},"url":"https:\/\/www.esfr.cz\/dum-a-zahrada\/kde-si-pujci-i-chudak\/","wordCount":444,"articleBody":"            Pokud je na tom \u010dlov\u011bk finan\u010dn\u011b \u0161patn\u011b, nezb\u00fdv\u00e1 mu \u010dasto nic jin\u00e9ho ne\u017e p\u016fj\u010dka. Proto\u017ee jenom ta sk\u00fdt\u00e1 nad\u011bji, \u017ee bude m\u00edt doty\u010dn\u00fd tolik pen\u011bz, kolik pot\u0159ebuje, a to dokonce i pr\u00e1v\u011b v t\u00e9 dob\u011b, kdy je mu jich zapot\u0159eb\u00ed. Nez\u00e1le\u017e\u00ed tu na tom, jestli \u010dlov\u011bk odvede n\u011bkde v zam\u011bstn\u00e1n\u00ed po\u017eadovan\u00fd v\u00fdkon a jestli mu za n\u011bj zaplat\u00ed tolik, kolik pot\u0159ebuje, a to navrch je\u0161t\u011b tehdy, kdy to pot\u0159ebuje.P\u016fj\u010dku si lze vz\u00edt kdykoliv, kdy\u017e n\u011bkdo pot\u0159ebuje pen\u00edze. A jedin\u00fdm probl\u00e9mem je tu to, \u017ee se mus\u00ed naj\u00edt n\u011bkdo, kdo je ochoten \u017eadateli takovou v\u00fdpomoc poskytnout. Proto\u017ee tu nejde o nic bezv\u00fdznamn\u00e9ho. Jde tu o pen\u00edze a ty jsou lidem i instituc\u00edm nepostradateln\u00e9. Tak\u017ee ka\u017ed\u00fd poskytovatel zva\u017euje, jestli doty\u010dn\u00e9mu \u017eadateli p\u016fj\u010d\u00ed nebo ne, kolik a za jak\u00fdch podm\u00ednek. Aby m\u011bl jistotu, \u017ee se se sv\u00fdm jm\u011bn\u00edm zase v po\u0159\u00e1dku shled\u00e1.A kdy\u017e m\u00e1 \u017eadatel jenom nevelk\u00fd prokazateln\u00fd p\u0159\u00edjem a navrch ho t\u0159eba i hyzd\u00ed n\u011bjak\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f, je logick\u00e9, \u017ee se nikdo nehrne do toho, aby do n\u011bj nacpal sv\u00e9 vlastn\u00ed pen\u00edze. Proto\u017ee je nejednou skute\u010dn\u011b ot\u00e1zkou, zda je takov\u00fd \u017eadatel bude schopen a vlastn\u011b i ochoten vr\u00e1tit tak, jak je dohodnuto.Tak\u017ee to maj\u00ed \u017eadatel\u00e9, kte\u0159\u00ed jsou ve skute\u010dn\u011b v\u00e1\u017en\u00fdch obt\u00ed\u017e\u00edch, t\u011b\u017ek\u00e9. A nejednou by jim nikdo nep\u016fj\u010dil, kdyby nebylo nebankovn\u00ed sf\u00e9ry. Proto\u017ee nebankovn\u00ed spole\u010dnosti maj\u00ed n\u011bco i pro takov\u00e9to lidi. Jmenuje se to hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f a p\u0159ednost\u00ed tohoto produktu je to, \u017ee ho m\u016f\u017ee z\u00edskat skoro ka\u017ed\u00fd. Proto\u017ee jsou u n\u011bj nastaveny takov\u00e9 podm\u00ednky, jak\u00e9 dok\u00e1\u017ee kdekdo akceptovat a splnit.\u010clov\u011bk tu mus\u00ed jenom d\u00e1t do z\u00e1stavy n\u011bjakou svoji nemovitost, aby t\u00edm dal poskytovateli jistotu, \u017ee se vynasna\u017e\u00ed v\u0161e \u0159\u00e1dn\u011b vr\u00e1tit, a za to z\u00edsk\u00e1 a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny t\u00e9to nemovitosti. Bez poplatk\u016f p\u0159edem, bez skryt\u00fdch z\u00e1ludnost\u00ed, s mo\u017enost\u00ed spl\u00e1cet pouh\u00fd jeden a\u017e dlouh\u00fdch t\u0159icet let nebo v\u0161e splatit kdykoliv a bez sankc\u00ed i d\u0159\u00edve. S p\u0159ijateln\u00fdmi \u00faroky, rychle a bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed.A co si p\u0159\u00e1t v\u00edc?                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dum A Zahrada","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Kde si p\u016fj\u010d\u00ed i chud\u00e1k?","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/kde-si-pujci-i-chudak\/#breadcrumbitem"}]}]