[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stamiko.cz\/o-prijmech-lze-pomlcet\/#Article","mainEntityOfPage":"https:\/\/www.stamiko.cz\/o-prijmech-lze-pomlcet\/","headline":"O p\u0159\u00edjmech lze poml\u010det","name":"O p\u0159\u00edjmech lze poml\u010det","description":"Kdy\u017e si jeden pot\u0159ebuje p\u016fj\u010dit pen\u00edze, m\u016f\u017ee si b\u00fdt jist t\u00edm, \u017ee se ho p\u0159inejmen\u0161\u00edm ve v\u011bt\u0161in\u011b finan\u010dn\u00edch instituc\u00ed zeptaj\u00ed na jeho p\u0159\u00edjmy. Jednodu\u0161e cht\u011bj\u00ed v\u011bd\u011bt, zda je na tom dost dob\u0159e na to, aby p\u0159\u00edpadnou p\u016fj\u010dku dok\u00e1zal odpov\u011bdn\u011b spl\u00e1cet. A to b\u00fdv\u00e1 k\u00e1men \u00farazu pr\u00e1v\u011b pro ty, kdo pot\u0159ebuj\u00ed p\u016fj\u010dku ze v\u0161ech nejv\u00edce. Tedy […]","datePublished":"2019-09-12","dateModified":"2023-05-09","author":{"@type":"Person","@id":"https:\/\/www.stamiko.cz\/author\/#Person","name":"","url":"https:\/\/www.stamiko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stamiko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stamiko.cz\/wp-content\/uploads\/img_a346375_w1707_t1560508162.jpg","url":"https:\/\/www.stamiko.cz\/wp-content\/uploads\/img_a346375_w1707_t1560508162.jpg","height":0,"width":0},"url":"https:\/\/www.stamiko.cz\/o-prijmech-lze-pomlcet\/","about":["Pen\u00edze"],"wordCount":510,"articleBody":"       Kdy\u017e si jeden pot\u0159ebuje p\u016fj\u010dit pen\u00edze, m\u016f\u017ee si b\u00fdt jist t\u00edm, \u017ee se ho p\u0159inejmen\u0161\u00edm ve v\u011bt\u0161in\u011b finan\u010dn\u00edch instituc\u00ed zeptaj\u00ed na jeho p\u0159\u00edjmy. Jednodu\u0161e cht\u011bj\u00ed v\u011bd\u011bt, zda je na tom dost dob\u0159e na to, aby p\u0159\u00edpadnou p\u016fj\u010dku dok\u00e1zal odpov\u011bdn\u011b spl\u00e1cet. A to b\u00fdv\u00e1 k\u00e1men \u00farazu pr\u00e1v\u011b pro ty, kdo pot\u0159ebuj\u00ed p\u016fj\u010dku ze v\u0161ech nejv\u00edce. Tedy ty, kdo si na sebe moment\u00e1ln\u011b nedok\u00e1\u017eou vyd\u011blat, kdo nedost\u00e1vaj\u00ed tolik, kolik by bylo pot\u0159eba. A co m\u00e1 n\u011bkdo takov\u00fd d\u011blat v podobn\u00e9 situaci? Kdy\u017e m\u00e1 mal\u00e9 p\u0159\u00edjmy a nep\u016fj\u010d\u00ed mu pr\u00e1v\u011b proto, \u017ee nebere tolik, kolik by bylo z\u00e1hodno? N\u011bkdy rovnou a n\u011bkdy a\u017e po s\u00e9rii ne\u00fasp\u011bch\u016f v bank\u00e1ch skon\u010d\u00ed v n\u011bjak\u00e9 t\u00e9 nebankovn\u00ed finan\u010dn\u00ed instituci. Tam, kde je k m\u00e1n\u00ed jeho ide\u00e1l, tedy hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Co\u017e je sice zav\u00e1d\u011bj\u00edc\u00ed pojem, proto\u017ee i zde je nezbytn\u00e9 dolo\u017eit, \u017ee \u017eadatel p\u0159\u00edjmy m\u00e1, ba mus\u00ed dolo\u017eit i sv\u00e9 v\u00fddaje, aby dok\u00e1zal, \u017ee je i po jejich zaplacen\u00ed v plusu, ov\u0161em to v\u0161e slou\u017e\u00ed jenom k tomu, aby bylo mo\u017eno ov\u011b\u0159it, zda doty\u010dn\u00fd na spl\u00e1cen\u00ed dohodnut\u00fdch spl\u00e1tek m\u00e1. Tedy zda onen \u00fav\u011br zvl\u00e1dne \u010di ne. Je to pr\u00e1v\u011b zm\u00edn\u011bn\u00fd finan\u010dn\u00ed produkt, kter\u00fd umo\u017e\u0148uje dostat se k p\u016fj\u010dk\u00e1m i t\u011bm, kdo by jinak nem\u011bli \u0161anci a kdo je pr\u00e1v\u011b nejv\u00edce pot\u0159ebuj\u00ed. Ov\u0161em je nasnad\u011b, \u017ee ani zde nejde o \u017e\u00e1dnou charitu, \u017ee je to ve sv\u00e9 nejhlub\u0161\u00ed podstat\u011b tak\u00e9 jenom p\u016fj\u010dka a nic v\u00edc. A proto i zde plat\u00ed obvykl\u00e9 \u201an\u011bco za n\u011bco\u2018. Ov\u0161em na rozd\u00edl od v\u011bt\u0161iny p\u016fj\u010dek o n\u011bco jin\u00e9ho za n\u011bco. Chce-li tu toti\u017e \u017eadatel usp\u011bt, mus\u00ed sv\u00e9 stinn\u00e9 str\u00e1nky vyv\u00e1\u017eit z\u00e1stavou nemovitosti, je\u017e slou\u017e\u00ed pen\u00edze poskytuj\u00edc\u00ed finan\u010dn\u00ed instituci jako z\u00e1ruka, \u017ee bude p\u016fj\u010dka vr\u00e1cena. \u017dadatel tak d\u00e1 do z\u00e1stavy svoji vhodnou nemovitost, ji\u017e v\u0161ak m\u016f\u017ee i nad\u00e1le norm\u00e1ln\u011b u\u017e\u00edvat, a za to \u010derpat a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny. S mnoha v\u00fdhodami, jak\u00fdmi jsou t\u0159eba tolerov\u00e1n\u00ed n\u00edzk\u00fdch p\u0159\u00edjm\u016f a n\u011bkter\u00fdch z\u00e1znam\u016f v registrech, mo\u017enost odkladu spl\u00e1tek a\u017e o jeden rok, p\u0159ijateln\u00e9 \u00faroky za\u010d\u00ednaj\u00edc\u00ed n\u011bkdy ji\u017e na \u010dty\u0159ech procentech, doba spl\u00e1cen\u00ed, je\u017e se m\u016f\u017ee nat\u00e1hnout t\u0159eba a\u017e na t\u0159icet let,\u2026 Sta\u010d\u00ed tak pohodln\u011b uzav\u0159\u00edt smlouvu a je to. I v p\u0159\u00edpad\u011b n\u011bkoho, kdo by byl pro jin\u00e9 poskytovatele p\u016fj\u010dek naprosto neatraktivn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"O p\u0159\u00edjmech lze poml\u010det","item":"https:\/\/www.stamiko.cz\/o-prijmech-lze-pomlcet\/#breadcrumbitem"}]}]