[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.samalex.cz\/nebankovni-hypoteka-jako-rozumne-vychodisko-z-krize\/#Article","mainEntityOfPage":"https:\/\/www.samalex.cz\/nebankovni-hypoteka-jako-rozumne-vychodisko-z-krize\/","headline":"Nebankovn\u00ed hypot\u00e9ka jako rozumn\u00e9 v\u00fdchodisko z krize","name":"Nebankovn\u00ed hypot\u00e9ka jako rozumn\u00e9 v\u00fdchodisko z krize","description":"Kdy\u017e se o slovo p\u0159ihl\u00e1s\u00ed nedostatek pen\u011bz, nejedn\u00e1 se nikdy o p\u0159\u00edjemnou situaci. Nicm\u00e9n\u011b pokud pat\u0159\u00edte k t\u011bm, kter\u00fdm ned\u011bl\u00e1 pot\u00ed\u017ee sjednat si p\u016fj\u010dku, pak st\u00e1le pat\u0159\u00edte ke \u0161\u0165astlivc\u016fm, kte\u0159\u00ed … ","datePublished":"2019-09-15","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.samalex.cz\/author\/#Person","name":"samalex.cz\n","url":"https:\/\/www.samalex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"samalex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.samalex.cz\/wp-content\/uploads\/img_a346308_w1743_t1560420111.jpg","url":"https:\/\/www.samalex.cz\/wp-content\/uploads\/img_a346308_w1743_t1560420111.jpg","height":0,"width":0},"url":"https:\/\/www.samalex.cz\/nebankovni-hypoteka-jako-rozumne-vychodisko-z-krize\/","about":["Ekonomika"],"wordCount":430,"articleBody":"             Kdy\u017e se o slovo p\u0159ihl\u00e1s\u00ed nedostatek pen\u011bz, nejedn\u00e1 se nikdy o p\u0159\u00edjemnou situaci. Nicm\u00e9n\u011b pokud pat\u0159\u00edte k t\u011bm, kter\u00fdm ned\u011bl\u00e1 pot\u00ed\u017ee sjednat si p\u016fj\u010dku, pak st\u00e1le pat\u0159\u00edte ke \u0161\u0165astlivc\u016fm, kte\u0159\u00ed si nemaj\u00ed na co st\u011b\u017eovat. To lidem, kte\u0159\u00ed maj\u00ed hluboko do kapsy, a je\u0161t\u011b se k nim v\u0161echny banky ot\u00e1\u010dej\u00ed z\u00e1dy, je mnohem h\u016f\u0159e. Plat\u00ed to p\u0159edev\u0161\u00edm pro v\u0161echny ty, kte\u0159\u00ed maj\u00ed n\u011bjak\u00fd vroubek v registru, ni\u017e\u0161\u00ed bonitu anebo t\u0159eba dluhy. V tom p\u0159\u00edpad\u011b je jist\u00e9, \u017ee pr\u00e1v\u011b t\u011bmto lidem \u017e\u00e1dn\u00e1 banka pen\u00edze nep\u016fj\u010d\u00ed. Nicm\u00e9n\u011b nen\u00ed t\u0159eba propadat panice, mimo banky jsou zde je\u0161t\u011b nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou k \u017eadatel\u016fm o p\u016fj\u010dky mnohem v\u00edce vst\u0159\u00edcn\u00e9, a kdy\u017e je to pot\u0159eba, dok\u00e1\u017eou nad jejich proh\u0159e\u0161ky p\u0159iv\u0159\u00edt alespo\u0148 jedno oko. Na obranu takov\u00e9ho postupu je pot\u0159eba uv\u00e9st, \u017ee mnoh\u00e9 probl\u00e9my, na kter\u00e9 ve va\u0161em portfoliu bankovn\u00ed \u00fa\u0159edn\u00edci poukazuj\u00ed, ve skute\u010dnosti \u017e\u00e1dn\u00fdmi velk\u00fdmi probl\u00e9my nejsou. Z\u00e1znam v registru m\u016f\u017ee v dne\u0161n\u00ed dob\u011b z\u00edskat ka\u017ed\u00fd. Sta\u010d\u00ed k tomu mal\u00e1 neopatrnost, kdy se opozd\u00edte s platbou za energie, za telefon anebo za soci\u00e1ln\u00ed a zdravotn\u00ed poji\u0161t\u011bn\u00ed. Z\u00e1znam je na sv\u011bt\u011b a va\u0161e pov\u011bst utrp\u00ed ve finan\u010dn\u00edm sv\u011bt\u011b nemal\u00e9 \u0161r\u00e1my. Ov\u0161em ka\u017ed\u00e9mu rozumn\u00e9mu \u010dlov\u011bku je ihned jasn\u00e9, \u017ee takov\u00fd z\u00e1znam vlastn\u011b o ni\u010dem v\u00fdznamn\u00e9m nevypov\u00edd\u00e1, a u\u017e v\u016fbec ne\u0159\u00edk\u00e1 nic o tom, \u017ee byste m\u011bli pot\u00ed\u017ee spl\u00e1cet. A podobn\u00e9 to m\u016f\u017ee b\u00fdt i s bonitou, kterou banky pova\u017euj\u00ed za nedostate\u010dnou. Banky stav\u00ed sv\u00e9 v\u00fdpo\u010dty na teoretick\u00fdch \u010d\u00edslech a odhadech, tak\u017ee od va\u0161ich p\u0159\u00edjm\u016f, ze kter\u00fdch v\u00e1m n\u011bkter\u00e9 t\u0159eba ani neuznaj\u00ed, v\u017edy ukroj\u00ed po\u0159\u00e1dn\u00fd kraj\u00edc, kter\u00fd p\u0159edstavuje teoretick\u00e9 v\u00fddaje, kter\u00e9 ve skute\u010dnosti ani nem\u00e1te. Nen\u00ed proto divu, \u017ee po takov\u00e9m procesu nen\u00ed polovina \u017eadatel\u016f pova\u017eov\u00e1na za dostate\u010dn\u011b bonitn\u00ed klienty.Jestli\u017ee se chcete podobn\u00fdm praktik\u00e1m vyhnout a na sv\u00e9 pen\u00edze sp\u011bch\u00e1te, pak zami\u0159te rovnou tam, kde v\u00e1m nebudou d\u011blat \u017e\u00e1dn\u00e9 zbyte\u010dn\u00e9 pot\u00ed\u017ee \u2013 sjednejte si nebankovn\u00ed hypot\u00e9ku u spolehliv\u00e9 nebankovn\u00ed spole\u010dnosti.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed hypot\u00e9ka jako rozumn\u00e9 v\u00fdchodisko z krize","item":"https:\/\/www.samalex.cz\/nebankovni-hypoteka-jako-rozumne-vychodisko-z-krize\/#breadcrumbitem"}]}]