[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.silvano.cz\/neni-pujcka-jako-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.silvano.cz\/neni-pujcka-jako-pujcka\/","headline":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","description":"S n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f m\u00e1 podle nejnov\u011bj\u0161\u00edch statistik zku\u0161enost ka\u017ed\u00fd druh\u00fd \u010cech, klasickou p\u016fj\u010dku tak asi nen\u00ed zapot\u0159eb\u00ed nijak dlouze p\u0159edstavovat. Je produktem v\u011bt\u0161iny na\u0161ich bank i \u0159ady nebankovn\u00edch spole\u010dnost\u00ed. Jak\u00e9 jsou v\u0161ak podm\u00ednky pro jej\u00ed schv\u00e1len\u00ed? Banky jsou p\u0159i schvalov\u00e1n\u00ed […]","datePublished":"2021-09-02","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.silvano.cz\/author\/#Person","name":"","url":"https:\/\/www.silvano.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"silvano.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.silvano.cz\/wp-content\/uploads\/savings-gf436b7e50_640.jpg","url":"https:\/\/www.silvano.cz\/wp-content\/uploads\/savings-gf436b7e50_640.jpg","height":0,"width":0},"url":"https:\/\/www.silvano.cz\/neni-pujcka-jako-pujcka\/","about":["Finance"],"wordCount":421,"articleBody":"   S n\u011bkter\u00fdm z \u00fav\u011brov\u00fdch produkt\u016f m\u00e1 podle nejnov\u011bj\u0161\u00edch statistik zku\u0161enost ka\u017ed\u00fd druh\u00fd \u010cech, klasickou p\u016fj\u010dku tak asi nen\u00ed zapot\u0159eb\u00ed nijak dlouze p\u0159edstavovat. Je produktem v\u011bt\u0161iny na\u0161ich bank i \u0159ady nebankovn\u00edch spole\u010dnost\u00ed. Jak\u00e9 jsou v\u0161ak podm\u00ednky pro jej\u00ed schv\u00e1len\u00ed? Banky jsou p\u0159i schvalov\u00e1n\u00ed \u00fav\u011br\u016f ke sv\u00fdm klient\u016fm pon\u011bkud p\u0159\u00edsn\u00ed, o tom mimo jin\u00e9 hovo\u0159\u00ed i legislativa a podm\u00ednky schv\u00e1len\u00e9 \u010ceskou n\u00e1rodn\u00ed bankou. Na p\u016fj\u010dku u\u017e te\u010f nedos\u00e1hne ka\u017ed\u00fd, kdo o n\u00ed p\u0159ijde za\u017e\u00e1dat. I z tohoto d\u016fvodu p\u0159ib\u00fdv\u00e1 nebankovn\u00edch p\u016fj\u010dek, kter\u00e9 l\u00e1kaj\u00ed hlavn\u011b na svou vysokou benevolentnost. M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy\/v\u00fddajeAby bylo mo\u017en\u00e9 v \u010cesk\u00e9 republice po\u017e\u00e1dat o jak\u00fdkoliv druh \u00fav\u011brov\u00e9ho produktu v bance, je zapot\u0159eb\u00ed dolo\u017eit m\u011bs\u00ed\u010dn\u00ed v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f. \u0158ada bank bere v potaz p\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed, samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti nebo t\u0159eba i z pron\u00e1jmu nemovitost\u00ed. Mnoho lid\u00ed v\u0161ak nen\u00ed schopno v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f dolo\u017eit a pro n\u011b v\u011bt\u0161inou \u017e\u00e1dost kon\u010d\u00ed nezdarem. Nen\u00ed v\u0161ak d\u016fvod propadat beznad\u011bji, o \u00fav\u011br je mo\u017en\u00e9 po\u017e\u00e1dat i v nebankovn\u00edch spole\u010dnostech, kter\u00e9 jsou ke sv\u00fdm \u017eadatel\u016fm o pozn\u00e1n\u00ed benevolentn\u011bj\u0161\u00ed. Mnoho spole\u010dnost\u00ed v nebankovn\u00edm sektoru se specializuje hlavn\u011b na rychl\u00e9 typy spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f, kter\u00e9 pom\u00e1haj\u00ed p\u0159eklenout dobu do dal\u0161\u00ed v\u00fdplaty \u010di \u0159e\u0161it nahodil\u00e9 v\u00fddaje, na kter\u00e9 v rodinn\u00e9m rozpo\u010dtu nezb\u00fdv\u00e1. U nebankovn\u00edch spole\u010dnost\u00ed je v\u0161ak mo\u017en\u00e9 \u017e\u00e1dat i o hypote\u010dn\u00ed \u00fav\u011bry. Jeden p\u0159\u00edklad za v\u0161echny p\u0159edstavuje hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Podm\u00ednky p\u0159i uzav\u00edr\u00e1n\u00ed smlouvy o \u00fav\u011bruBanky jsou ke sv\u00fdm \u017eadatel\u016fm ne p\u0159\u00edli\u0161 ochotn\u00ed, i z tohoto d\u016fvodu neust\u00e1le p\u0159ib\u00fdv\u00e1 i po\u010det zam\u00edtnut\u00fdch \u017e\u00e1dost\u00ed. Na trhu je v sou\u010dasnosti p\u0159ebytek likvidity a banky doslova bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta. Proti nim ov\u0161em stoj\u00ed slo\u017eit\u00e1 legislativa, kter\u00e1 d\u00e1v\u00e1 za povinnost d\u016fkladnou lustraci ka\u017ed\u00e9ho \u017eadatele. I kdyby banky cht\u011bly p\u016fj\u010dit, legislativa jim to neumo\u017en\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","item":"https:\/\/www.silvano.cz\/neni-pujcka-jako-pujcka\/#breadcrumbitem"}]}]