[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wamba.cz\/pujcka-bez-zbytecnych-starosti\/#Article","mainEntityOfPage":"https:\/\/www.wamba.cz\/pujcka-bez-zbytecnych-starosti\/","headline":"P\u016fj\u010dka bez zbyte\u010dn\u00fdch starost\u00ed","name":"P\u016fj\u010dka bez zbyte\u010dn\u00fdch starost\u00ed","description":"Dnes je mo\u017en\u00e9 z\u00edskat pen\u00edze snadno a rychle. Probl\u00e9mem je, \u017ee nic nen\u00ed zadarmo. V dne\u0161n\u00ed dob\u011b se d\u00e1 podnikat ve v\u0161em a s pen\u011bzi to nen\u00ed jinak. Existuj\u00ed tis\u00edce spole\u010dnost\u00ed, kter\u00e9 n\u00e1m nab\u00edzej\u00ed finan\u010dn\u00ed prost\u0159edky. \u010casto ale b\u00fdvaj\u00ed pochybn\u00e9 pov\u011bsti, a pokud si u nich p\u016fj\u010d\u00edme m\u016f\u017eeme si zajistit velice rychl\u00fd sestup do dluhov\u00e9… ","datePublished":"2018-06-19","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.wamba.cz\/author\/#Person","name":"wamba.cz\n","url":"https:\/\/www.wamba.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wamba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wamba.cz\/wp-content\/uploads\/img_a321295_w1770_t1532548286.jpg","url":"https:\/\/www.wamba.cz\/wp-content\/uploads\/img_a321295_w1770_t1532548286.jpg","height":0,"width":0},"url":"https:\/\/www.wamba.cz\/pujcka-bez-zbytecnych-starosti\/","about":["Ekonomika"],"wordCount":414,"articleBody":"Dnes je mo\u017en\u00e9 z\u00edskat pen\u00edze snadno a rychle. Probl\u00e9mem je, \u017ee nic nen\u00ed zadarmo. V dne\u0161n\u00ed dob\u011b se d\u00e1 podnikat ve v\u0161em a s pen\u011bzi to nen\u00ed jinak. Existuj\u00ed tis\u00edce spole\u010dnost\u00ed, kter\u00e9 n\u00e1m nab\u00edzej\u00ed finan\u010dn\u00ed prost\u0159edky. \u010casto ale b\u00fdvaj\u00ed pochybn\u00e9 pov\u011bsti, a pokud si u nich p\u016fj\u010d\u00edme m\u016f\u017eeme si zajistit velice rychl\u00fd sestup do dluhov\u00e9 pasti. Nejbezpe\u010dn\u011bj\u0161\u00ed cestou, jak p\u0159ij\u00edt k pen\u011bz\u016fm je p\u016fj\u010dit si u bankovn\u00ed spole\u010dnosti. Ta odpov\u00edd\u00e1 centr\u00e1ln\u00ed bance, a pokud ur\u010dit\u00fdm zp\u016fsobem poru\u0161\u00ed pravidla tr\u017en\u00ed rovnov\u00e1hy, ihned ji stihne sankce. Kup\u0159\u00edkladu pokud by dan\u00e1 bankovn\u00ed spole\u010dnost nab\u00edzela p\u016fj\u010dku s \u00farokem vy\u0161\u0161\u00edm ne\u017e 20 % jednozna\u010dn\u011b by se jednalo o lichv\u00e1\u0159stv\u00ed. Za tento po\u010din by byla okam\u017eit\u011b pokutov\u00e1na \u010cNB. V r\u00e1mci poskytov\u00e1n\u00ed p\u016fj\u010dek existuj\u00ed tak\u00e9 nebankovn\u00ed spole\u010dnosti. To jsou takov\u00e9, kter\u00e9 necht\u011bj\u00ed nebo je jim nepovedlo z\u00edskat bankovn\u00ed certifikaci. Ty si m\u016f\u017eou klidn\u011b dovolit poskytnout v\u00e1m p\u016fj\u010dku s p\u0159emr\u0161t\u011bn\u00fdm \u00farokem a spoustu dal\u0161\u00edch skryt\u00fdch poplatk\u016f. I p\u0159es nastaven\u00e1 pravidla jsou tedy bankovn\u00ed spole\u010dnosti ur\u010ditou z\u00e1rukou dan\u00e9 poctivosti. Maj\u00ed sice nastaven\u00fdch spoustu pravidel, kter\u00e9 se zdaj\u00ed b\u00fdt obt\u011b\u017euj\u00edc\u00ed a nesmysln\u00e9, av\u0161ak t\u00edmto zp\u016fsobem se banka pouze kryje p\u0159ed p\u0159\u00edpadn\u00fdmi ztr\u00e1tami. Pokud u\u017e neprojdeme normami bank k z\u00edsk\u00e1n\u00ed \u00fav\u011bru, mus\u00edme se obr\u00e1tit na nebankovn\u00ed spole\u010dnosti. To je velice o\u0161emetn\u00e1 z\u00e1le\u017eitost, proto\u017ee takov\u00e9 instituce n\u00e1s m\u016f\u017eou velice snadno o\u0161kubat. Jedin\u00fdm rozumn\u00fdm \u0159e\u0161en\u00edm je americk\u00e1 hypot\u00e9ka . Ta se m\u016f\u017ee jevit jako klasick\u00e1 hypot\u00e9ka, ale je t\u0159eba z\u016fstat na pozoru. Jeliko\u017e s klasickou bankovn\u00ed hypot\u00e9kou m\u00e1 spole\u010dn\u00e9ho jen m\u00e1lo. Je pravda, \u017ee se d\u00e1 spl\u00e1cet pom\u011brn\u011b dlouhou dobu a\u017e 30 let, co\u017e se n\u00e1sledn\u011b odraz\u00ed ve velikosti pravideln\u011b spl\u00e1cen\u00fdch \u010d\u00e1stek. Ale t\u00edm spole\u010dn\u00e9 znaky kon\u010d\u00ed. Bez\u00fa\u010delov\u00e1 hypot\u00e9ka je vykoupena mnohem vy\u0161\u0161\u00edm \u00farokem, jeliko\u017e se nedokl\u00e1daj\u00ed \u017e\u00e1dn\u00e9 v\u00fdpisy z registru dlu\u017en\u00edk\u016f ani dolo\u017een\u00ed o stabiln\u00edm p\u0159\u00edjmu. Jedin\u00e9, co klient pot\u0159ebuje je ov\u011b\u0159en\u00ed hodnoty nemovitosti, kterou zastavuje.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka bez zbyte\u010dn\u00fdch starost\u00ed","item":"https:\/\/www.wamba.cz\/pujcka-bez-zbytecnych-starosti\/#breadcrumbitem"}]}]