[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcka-neni-pro-kazdeho\/#Article","mainEntityOfPage":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcka-neni-pro-kazdeho\/","headline":"P\u016fj\u010dka nen\u00ed pro ka\u017ed\u00e9ho","name":"P\u016fj\u010dka nen\u00ed pro ka\u017ed\u00e9ho","description":"Pen\u00edze nerostou na stromech. Toto r\u010den\u00ed zn\u00e1 snad ka\u017ed\u00fd z\u00a0n\u00e1s. Ale pokud m\u00e1me hluboko do kapsy, jen st\u011b\u017e\u00ed vysta\u010d\u00edme s\u00a0na\u0161imi stabiln\u00edmi p\u0159\u00edjmy je zapot\u0159eb\u00ed s\u00e1hnout jinam. Pen\u00edze tedy nerostou na stromech, ale v\u00a0bance. To je v\u0161ak d\u016fv\u011bryhodn\u00e1 instituce, kter\u00e1 neposkytne sv\u00e9 prost\u0159edky ka\u017ed\u00e9mu. V\u011bt\u0161inou kontroluje registry dlu\u017en\u00edk\u016f, majetek jednotliv\u00fdch klient\u016f, ostatn\u00ed p\u016fj\u010dky, platebn\u00ed schopnost a […]","datePublished":"2018-09-13","dateModified":"2018-09-13","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_a325655_w1681_t1537606017.jpg","url":"https:\/\/www.esfr.cz\/wp-content\/uploads\/img_a325655_w1681_t1537606017.jpg","height":0,"width":0},"url":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcka-neni-pro-kazdeho\/","wordCount":478,"articleBody":"Pen\u00edze nerostou na stromech. Toto r\u010den\u00ed zn\u00e1 snad ka\u017ed\u00fd z\u00a0n\u00e1s. Ale pokud m\u00e1me hluboko do kapsy, jen st\u011b\u017e\u00ed vysta\u010d\u00edme s\u00a0na\u0161imi stabiln\u00edmi p\u0159\u00edjmy je zapot\u0159eb\u00ed s\u00e1hnout jinam. Pen\u00edze tedy nerostou na stromech, ale v\u00a0bance.\tTo je v\u0161ak d\u016fv\u011bryhodn\u00e1 instituce, kter\u00e1 neposkytne sv\u00e9 prost\u0159edky ka\u017ed\u00e9mu. V\u011bt\u0161inou kontroluje registry dlu\u017en\u00edk\u016f, majetek jednotliv\u00fdch klient\u016f, ostatn\u00ed p\u016fj\u010dky, platebn\u00ed schopnost a stabiln\u00ed p\u0159\u00edjem. Tud\u00ed\u017e je jasn\u00e9, \u017ee do skupiny v\u011b\u0159itel\u016f bank se nedostane \u00fapln\u011b ka\u017ed\u00fd. A pokud neusp\u011bjeme u bank mus\u00edme se obr\u00e1tit n\u011bkam jinam.\tT\u00edm jin\u00fdm m\u00edstem jsou nebankovn\u00ed spole\u010dnosti. Zde v\u0161ak mus\u00ed b\u00fdt \u010dlov\u011bk velice opatrn\u00fd. Proto\u017ee tyto instituce jsou si jasn\u011b v\u011bdomy, \u017ee klient u\u017e nem\u00e1 na v\u00fdb\u011br. Nach\u00e1z\u00ed se ve fyzicky t\u00edsniv\u00e9 situace, a proto p\u0159istoup\u00ed na t\u00e9m\u011b\u0159 jak\u00e9koliv podm\u00ednky. A pokud ne m\u00e1 prost\u011b sm\u016flu.\tNejv\u011bt\u0161\u00ed oblib\u011b ve sv\u011bt\u011b nebankovn\u00edch p\u016fj\u010dek, ale i doma se t\u011b\u017e\u00ed tzv. Americk\u00e1 hypot\u00e9ka. Zde je hlavn\u00ed v\u00fdhodou jej\u00ed bez\u00fa\u010delovost. Pat\u0159\u00ed tedy skupiny bez\u00fa\u010delov\u00fdch p\u016fj\u010dek. Standartn\u00ed \u00fav\u011bry jsou ur\u010deny k\u00a0p\u0159edem stanoven\u00e9mu \u00fa\u010delu. Je tedy bankou hl\u00edd\u00e1no jak a na co pen\u00edze vyu\u017eijeme. Klasick\u00fdm p\u0159\u00edpadem je tedy \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Ten lze vyu\u017e\u00edt pouze k\u00a0jednomu p\u0159edem stanoven\u00e9mu \u00fa\u010delu.\tTo je tedy rozd\u00edl mezi \u00fa\u010delovou a bez\u00fa\u010delovou p\u016fj\u010dkou. Pokud se tedy rozhodneme pro americkou hypot\u00e9ku ne\u010dek\u00e1 n\u00e1s \u017e\u00e1dn\u00e1 kontrola registru, ani stabiln\u00edch p\u0159\u00edjm\u016f \u010di platebn\u00ed schopnosti. Jedin\u00e9, \u010d\u00edm budeme muset ru\u010dit je na\u0161e nemovitost. Tomu se nevyhneme ani p\u0159i zadlu\u017een\u00ed u bank \u010di nebankovn\u00edch spole\u010dnost\u00ed.\tPokud tedy zastavujeme na\u0161i nemovitost mus\u00ed b\u00fdt v\u00a0na\u0161em vlastnictv\u00ed. Pokud tomu tak nen\u00ed mus\u00edme si naj\u00edt ru\u010ditele. P\u0159i z\u00e1stav\u011b domu je ur\u010den soudn\u00ed znalec, kter\u00fd hodnotu na\u0161\u00ed nemovitosti ur\u010d\u00ed. Nesm\u00edme si v\u0161ak d\u011blat p\u0159\u00edli\u0161 velk\u00e9 nad\u011bje. Spole\u010dnost m\u00e1 v\u017edy vlastn\u00ed lidi a vlastn\u00ed koeficienty pro ohodnocen\u00ed. I p\u0159esto z\u00edsk\u00e1me z\u00a0celkov\u00e9ho hodnoty c\u00edlovou \u010d\u00e1stku maxim\u00e1ln\u011b ve v\u00fd\u0161i 70-80 %.\tNebankovn\u00ed spole\u010dnosti jsou taky dob\u0159e zn\u00e1my sv\u00fdm \u00faro\u010den\u00edm. To b\u00fdv\u00e1 na rozd\u00edl od standardn\u00edch p\u016fj\u010dek na hranici lichv\u00e1\u0159stv\u00ed.\tJe tedy velice d\u016fle\u017eit\u00e9 v\u017edy zv\u00e1\u017eit, zda pen\u00edze skute\u010dn\u011b pot\u0159ebujeme. A pokud ne je v\u017edy lep\u0161\u00ed vy\u017e\u00edt s\u00a0t\u00edm co m\u00e1me, ale hlavn\u011b bez finan\u010dn\u00edch z\u00e1vazk\u016f.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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":"P\u016fj\u010dka nen\u00ed pro ka\u017ed\u00e9ho","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/pujcka-neni-pro-kazdeho\/#breadcrumbitem"}]}]