[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lusia.cz\/kterou-pujcku-si-zvolit\/#Article","mainEntityOfPage":"https:\/\/www.lusia.cz\/kterou-pujcku-si-zvolit\/","headline":"Kterou p\u016fj\u010dku si zvolit?","name":"Kterou p\u016fj\u010dku si zvolit?","description":"N\u011bkte\u0159\u00ed lid\u00e9 \u017eij\u00ed v domn\u011bn\u00ed, \u017ee si nen\u00ed t\u0159eba d\u011blat s pen\u011bzi t\u011b\u017ekou hlavu. Prost\u011b se vyd\u011blaj\u00ed a utr\u00e1cej\u00ed, a kdy\u017e dojdou, vezme se p\u016fj\u010dka, kter\u00e1 se pozd\u011bji splat\u00ed. Co\u017e […]","datePublished":"2025-04-11","dateModified":"2025-04-11","author":{"@type":"Person","@id":"https:\/\/www.lusia.cz\/author\/#Person","name":"","url":"https:\/\/www.lusia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lusia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lusia.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppp_10_5.jpg","url":"https:\/\/www.lusia.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppp_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.lusia.cz\/kterou-pujcku-si-zvolit\/","about":["Pen\u00edze"],"wordCount":451,"articleBody":"          N\u011bkte\u0159\u00ed lid\u00e9 \u017eij\u00ed v domn\u011bn\u00ed, \u017ee si nen\u00ed t\u0159eba d\u011blat s pen\u011bzi t\u011b\u017ekou hlavu. Prost\u011b se vyd\u011blaj\u00ed a utr\u00e1cej\u00ed, a kdy\u017e dojdou, vezme se p\u016fj\u010dka, kter\u00e1 se pozd\u011bji splat\u00ed. Co\u017e vypad\u00e1 n\u00e1ramn\u011b jednodu\u0161e. Jen\u017ee v\u011bt\u0161ina z n\u00e1s dob\u0159e v\u00ed, \u017ee ono to zase a\u017e tak jednoduch\u00e9 nen\u00ed. Jist\u011b, m\u016f\u017ee to fungovat tak, jak bylo v\u00fd\u0161e uvedeno, ale pravidlem to nen\u00ed. Velice \u010dasto se na tom n\u011bco zkomplikuje. A kdy\u017e se pak \u010dlov\u011bk ocitne na mizin\u011b, kdy\u017e m\u00e1 platit, ale nem\u00e1 \u010d\u00edm, je zle. Jist\u011b, p\u016fj\u010dka se teoreticky z\u00edskat d\u00e1, ale opravdu jenom teoreticky. To, \u017ee se n\u011bkde nab\u00edz\u00ed a lze si o ni za\u017e\u00e1dat, toti\u017e je\u0161t\u011b neznamen\u00e1, \u017ee se j\u00ed \u017eadatel tak\u00e9 do\u010dk\u00e1. Proto\u017ee co cht\u011bj\u00ed banky? P\u0159ece uji\u0161t\u011bn\u00ed, \u017ee dostanou sv\u00e9 pen\u00edze v\u010detn\u011b \u00farok\u016f zp\u00e1tky. Tak\u017ee z\u00e1jemce o podobnou p\u016fj\u010dku nejprve pot\u0159ebuje doklady o tom, \u017ee m\u00e1 dostate\u010dn\u011b velk\u00e9 p\u0159\u00edjmy, mus\u00ed m\u00edt tak\u00e9 \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a t\u0159eba i dal\u0161\u00ed p\u0159ednosti. A to jsou \u010dast\u00e9 d\u016fvody selh\u00e1n\u00ed, po nich\u017e n\u00e1sleduje zam\u00edtnut\u00ed \u017e\u00e1dost\u00ed o takov\u00e9 bankovn\u00ed p\u016fj\u010dky. A jin\u00e1 alternativa? Ta tu na\u0161t\u011bst\u00ed je. Ale ani u n\u00ed nelze doufat v to, \u017ee ji \u010dlov\u011bku poskytnou jenom tak. I tady se mus\u00ed prok\u00e1zat schopnost spl\u00e1cet. A usp\u011bje tu jenom ten, kdo m\u00e1 pro zm\u011bnu n\u011bjak\u00fd nemovit\u00fd majetek. A o jak\u00e9 p\u016fj\u010dce \u017ee to tu mluv\u00edm? P\u0159ece o nebankovn\u00ed hypot\u00e9ce. U kter\u00e9 se zaji\u0161\u0165uje spl\u00e1cen\u00ed pr\u00e1v\u011b t\u00edm, \u017ee d\u00e1 \u017eadatel v\u0161anc svoji nemovitost. A pak mus\u00ed spl\u00e1cet, aby o onu nemovitost nep\u0159i\u0161el. M\u00e1-li tedy \u010dlov\u011bk n\u011bjak\u00fd dost hodnotn\u00fd  https:\/\/www.autorevue.cz\/tema\/hodnotny-material majetek, kter\u00fd se d\u00e1 d\u00e1t do z\u00e1stavy nebankovn\u00ed spole\u010dnosti, m\u016f\u017ee p\u016fj\u010dku dostat. A pak se mu m\u016f\u017ee zase da\u0159it dob\u0159e. V\u0161e se zd\u00e1 b\u00fdt v po\u0159\u00e1dku. Ale p\u0159esto bych s pen\u011bzi rad\u011bji nehazardoval. A rad\u011bji bych se sna\u017eil \u017e\u00edt jenom za to, co si vyd\u011bl\u00e1m. Proto\u017ee ka\u017ed\u00e1 p\u016fj\u010dka zat\u011b\u017euje. Minim\u00e1ln\u011b \u00faroky a dal\u0161\u00edmi poplatky. A b\u011bda tomu, kdo by nedok\u00e1zal spl\u00e1cet. Ale kdy\u017e se do pot\u00ed\u017e\u00ed dostanete, klidn\u011b nebankovn\u00ed hypot\u00e9ku vyu\u017eijte. I hypot\u00e9ka bez p\u0159\u00edjmu m\u016f\u017ee b\u00fdt pro lidi pomocn\u00edkem.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kterou p\u016fj\u010dku si zvolit?","item":"https:\/\/www.lusia.cz\/kterou-pujcku-si-zvolit\/#breadcrumbitem"}]}]