[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.karinherzog.cz\/proc-chteji-banky-znat-prijmy-zadatele-pri-poskytovani-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.karinherzog.cz\/proc-chteji-banky-znat-prijmy-zadatele-pri-poskytovani-pujcky\/","headline":"Pro\u010d cht\u011bj\u00ed banky zn\u00e1t p\u0159\u00edjmy \u017eadatele p\u0159i poskytov\u00e1n\u00ed p\u016fj\u010dky","name":"Pro\u010d cht\u011bj\u00ed banky zn\u00e1t p\u0159\u00edjmy \u017eadatele p\u0159i poskytov\u00e1n\u00ed p\u016fj\u010dky","description":"Pro mnoho lid\u00ed je p\u016fj\u010dka prakticky sprost\u00e9 slovo. Pro jin\u00e9 je to jedin\u00e1 mo\u017enost, jak z\u00edskat dostatek pen\u011bz na \u017eivobyt\u00ed, p\u0159\u00edpadn\u011b si mohli koupit n\u011bjakou vytou\u017eenou v\u011bc. A\u0165 u\u017e je to jakkoliv, m\u00e1 \u010dlov\u011bk v podstat\u011b dv\u011b mo\u017enosti. Bu\u010f si m\u016f\u017ee p\u016fj\u010dit pen\u00edze od banky, nebo od n\u011bjak\u00e9 finan\u010dn\u00ed spole\u010dnosti, kter\u00e1 se pr\u00e1v\u011b na tyto […]","datePublished":"2019-10-25","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.karinherzog.cz\/author\/#Person","name":"karinherzog.cz\n","url":"https:\/\/www.karinherzog.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"karinherzog.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.karinherzog.cz\/wp-content\/uploads\/img_a368024_w1934_t1580380367.jpg","url":"https:\/\/www.karinherzog.cz\/wp-content\/uploads\/img_a368024_w1934_t1580380367.jpg","height":0,"width":0},"url":"https:\/\/www.karinherzog.cz\/proc-chteji-banky-znat-prijmy-zadatele-pri-poskytovani-pujcky\/","about":["Ekonomika"],"wordCount":527,"articleBody":"        Pro mnoho lid\u00ed je p\u016fj\u010dka prakticky sprost\u00e9 slovo. Pro jin\u00e9 je to jedin\u00e1 mo\u017enost, jak z\u00edskat dostatek pen\u011bz na \u017eivobyt\u00ed, p\u0159\u00edpadn\u011b si mohli koupit n\u011bjakou vytou\u017eenou v\u011bc. A\u0165 u\u017e je to jakkoliv, m\u00e1 \u010dlov\u011bk v podstat\u011b  dv\u011b  mo\u017enosti. Bu\u010f si m\u016f\u017ee p\u016fj\u010dit pen\u00edze od banky, nebo od n\u011bjak\u00e9 finan\u010dn\u00ed spole\u010dnosti, kter\u00e1 se pr\u00e1v\u011b na tyto operace specializuje. Pokud se rozhodnete pro prvn\u00ed mo\u017enost, po\u010d\u00edtejte s t\u00edm, \u017ee budete muset dolo\u017eit, kolik m\u011bs\u00ed\u010dn\u011b vyd\u011bl\u00e1v\u00e1te. A nejen vy, ale v\u0161ichni \u010dlenov\u00e9 dom\u00e1cnosti, kte\u0159\u00ed se na jej\u00edm chodu pod\u00edl\u00ed. Mnoha lidem to m\u016f\u017ee p\u0159ipadat, \u017ee je naru\u0161ov\u00e1no jejich soukrom\u00ed. Banky v\u0161ak maj\u00ed dobr\u00fd d\u016fvod, pro\u010d cht\u011bj\u00ed zn\u00e1t p\u0159\u00edjmy \u017eadatele Nebankovn\u00ed hypot\u00e9ky. Jak\u00fd je tedy d\u016fvod? Pom\u011brn\u011b jednoduch\u00fd: zajistit, \u017ee klient bude schopen dohodnutou \u010d\u00e1stku bez probl\u00e9mu spl\u00e1cet. M\u016f\u017eeme samoz\u0159ejm\u011b nam\u00edtnout, \u017ee by sta\u010dilo d\u00e1t z\u00e1kazn\u00edkovi podepsat \u010destn\u00e9 prohl\u00e1\u0161en\u00ed, av\u0161ak jak v\u00edme, lid\u00e9 nejsou pr\u00e1v\u011b nejspolehliv\u011bj\u0161\u00ed. A zvl\u00e1\u0161t\u011b ne ti, kte\u0159\u00ed cht\u011bj\u00ed p\u016fj\u010dku. Lze tak\u00e9 nam\u00edtnout, \u017ee se t\u00edm po\u0161kozuje cel\u00fd princip p\u016fj\u010dky. Pokud toti\u017e daj\u00ed pen\u00edze jen tomu, kdo m\u00e1 dostate\u010dn\u00fd p\u0159\u00edjem, pak ti, co ji pot\u0159ebuj\u00ed nejv\u00edce, na ni nedos\u00e1hnou. A v podstat\u011b je to tak. P\u016fj\u010dky v dne\u0161n\u00ed dob\u011b nejsou poskytov\u00e1ny proto, aby pomohly vy\u0159e\u0161it t\u00ed\u017eivou finan\u010dn\u00ed situaci, n\u00fdbr\u017e proto, aby lidem umo\u017enili koupit si ihned n\u011bjakou dra\u017e\u0161\u00ed v\u011bc, bez toho, \u017ee by na n\u00ed museli nejprve na\u0161et\u0159it. Co maj\u00ed tedy chud\u00ed lid\u00e9 d\u011blat? Jednou z mo\u017enost\u00ed je po\u017e\u00e1dat st\u00e1t o soci\u00e1ln\u00ed p\u0159\u00edsp\u011bvek v hmotn\u00e9 nouzi. Jist\u011b, nebude nejvy\u0161\u0161\u00ed, ale p\u0159eci jen m\u016f\u017ee pomoci alespo\u0148 trochu podpo\u0159it onu rodinu. Pokud jim je v\u0161ak z n\u011bjak\u00e9ho d\u016fvodu zam\u00edtnut, je tu je\u0161t\u011b mo\u017enost p\u016fj\u010dky od nebankovn\u00ed spole\u010dnosti, kde se nevy\u017eaduje dolo\u017een\u00ed p\u0159\u00edjmu. To sebou p\u0159in\u00e1\u0161\u00ed samoz\u0159ejm\u011b ur\u010dit\u00e1 rizika. Nejprve je nutn\u00e9 si uv\u011bdomit, \u017ee bude pravd\u011bpodobn\u011b zat\u00ed\u017eena vy\u0161\u0161\u00edm \u00farokem i v\u011bt\u0161\u00edm mno\u017estv\u00edm nejr\u016fzn\u011bj\u0161\u00edch poplatk\u016f. To samoz\u0159ejm\u011b celkovou \u010d\u00e1stku, kterou bude muset klient zaplatit, zna\u010dn\u011b zvedne. Je proto dobr\u00e9 si p\u0159ed podpisem smlouvu dob\u0159e p\u0159e\u010d\u00edst, ne\u017e se up\u00ed\u0161eme k n\u011b\u010demu, \u010deho bychom v budoucnu litovali. Ov\u0161em nejlep\u0161\u00ed ze v\u0161eho samoz\u0159ejm\u011b je nep\u016fj\u010dovat si pen\u00edze. Samoz\u0159ejm\u011b ne ka\u017ed\u00fd m\u00e1 dostatek pen\u011bz na to, aby svou rodinu u\u017eivil, ov\u0161em p\u0159edt\u00edm, ne\u017e se pro ni rozhodneme, je nutn\u00e9 se zamyslet: opravdu nen\u00ed jin\u00e1 cesta? Skute\u010dn\u011b nemohu pot\u0159ebnou \u010d\u00e1stku nikde u\u0161et\u0159it? Jen tak se vyhneme tomu, \u017ee budeme dal\u0161\u00edch n\u011bkolik let litovat.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d cht\u011bj\u00ed banky zn\u00e1t p\u0159\u00edjmy \u017eadatele p\u0159i poskytov\u00e1n\u00ed p\u016fj\u010dky","item":"https:\/\/www.karinherzog.cz\/proc-chteji-banky-znat-prijmy-zadatele-pri-poskytovani-pujcky\/#breadcrumbitem"}]}]