[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ampec.cz\/pujcka-ktera-nezklame\/#Article","mainEntityOfPage":"https:\/\/www.ampec.cz\/pujcka-ktera-nezklame\/","headline":"P\u016fj\u010dka, kter\u00e1 nezklame","name":"P\u016fj\u010dka, kter\u00e1 nezklame","description":"N\u011bkte\u0159\u00ed lid\u00e9 prost\u011b nedok\u00e1\u017eou p\u0159e\u017e\u00edvat, ani\u017e by si aspo\u0148 n\u011bkdy nedop\u0159\u00e1li n\u011bjakou tu p\u016fj\u010dku. Prost\u011b proto, \u017ee ne v\u017edy dok\u00e1\u017eou vyj\u00edt se sv\u00fdmi pen\u011bzi a jsou pot\u0159eby, je\u017e je nezbytn\u00e9 zaplatit bez ohledu na to, m\u00e1-li na n\u011b \u010dlov\u011bk prost\u0159edky nebo ne. A kdy\u017e je \u010dlov\u011bk zrovna nem\u00e1, nen\u00ed jin\u00e9 cesty, ne\u017e je pr\u00e1v\u011b vyp\u016fj\u010den\u00ed […]","datePublished":"2019-07-22","dateModified":"2023-06-02","author":{"@type":"Person","@id":"https:\/\/www.ampec.cz\/author\/#Person","name":"","url":"https:\/\/www.ampec.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ampec.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ampec.cz\/wp-content\/uploads\/img_a354302_w1949_t1568880654.jpg","url":"https:\/\/www.ampec.cz\/wp-content\/uploads\/img_a354302_w1949_t1568880654.jpg","height":0,"width":0},"url":"https:\/\/www.ampec.cz\/pujcka-ktera-nezklame\/","about":["Internet"],"wordCount":518,"articleBody":"  N\u011bkte\u0159\u00ed lid\u00e9 prost\u011b nedok\u00e1\u017eou p\u0159e\u017e\u00edvat, ani\u017e by si aspo\u0148 n\u011bkdy nedop\u0159\u00e1li n\u011bjakou tu p\u016fj\u010dku. Prost\u011b proto, \u017ee ne v\u017edy dok\u00e1\u017eou vyj\u00edt se sv\u00fdmi pen\u011bzi a jsou pot\u0159eby, je\u017e je nezbytn\u00e9 zaplatit bez ohledu na to, m\u00e1-li na n\u011b \u010dlov\u011bk prost\u0159edky nebo ne. A kdy\u017e je \u010dlov\u011bk zrovna nem\u00e1, nen\u00ed jin\u00e9 cesty, ne\u017e je pr\u00e1v\u011b vyp\u016fj\u010den\u00ed si chyb\u011bj\u00edc\u00ed sumy. A kde se daj\u00ed takov\u00e9 pen\u00edze p\u016fj\u010dit? Pokud je \u010dlov\u011bk bez z\u00e1znam\u016f v registrech dlu\u017en\u00edk\u016f, exekuc\u00ed a podobn\u00fdch stinn\u00fdch str\u00e1nek a pokud m\u00e1 velk\u00e9 p\u0159\u00edjmy, m\u016f\u017ee si o n\u011b po\u017e\u00e1dat leckde a b\u00fdv\u00e1 mu vyhov\u011bno. Jen\u017ee pokud doty\u010dn\u00fd ide\u00e1ln\u00edm \u017eadatelem nen\u00ed,\u2026 Taky o n\u011b m\u016f\u017ee po\u017e\u00e1dat u kter\u00e9hokoliv poskytovatele, jen\u017ee vesm\u011bs neusp\u011bje, jeho \u017e\u00e1dost je zam\u00edtnuta. Proto\u017ee d\u00e1t pen\u00edze n\u011bkomu, kdo by m\u011bl probl\u00e9my s jejich vracen\u00edm, pokud by je tedy v\u016fbec vracel, je riziko, je\u017e \u017e\u00e1dn\u00fd z poskytovatel\u016f nechce a ani nem\u016f\u017ee podstupovat. Proto\u017ee by se t\u00edm mohl i s\u00e1m uvrhnout do probl\u00e9m\u016f. A tak je t\u0159eba, aby \u010dlov\u011bk \u017e\u00e1dal o p\u016fj\u010dku tam, kde jsou pravidla hry takov\u00e1, \u017ee jim dok\u00e1\u017ee vyhov\u011bt. A kde je tedy nad\u011bje na z\u00edsk\u00e1n\u00ed takov\u00e9 p\u016fj\u010dky. V mnoha p\u0159\u00edpadech lid\u00ed ve skute\u010dn\u00fdch nesn\u00e1z\u00edch je jedin\u00fdm \u0159e\u0161en\u00edm americk\u00e1 nebankovn\u00ed hypot\u00e9ka. A to proto, \u017ee pr\u00e1v\u011b u n\u00ed nehraj\u00ed z\u00e1sadn\u00ed roli ani p\u0159\u00edjmy \u017eadatele, ani n\u011bjak\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, ani exekuce \u010di jin\u00e1 negativa, je\u017e \u010dlov\u011bka v ekonomick\u00fdch probl\u00e9mech prov\u00e1zej\u00ed. Tady toti\u017e sta\u010d\u00ed vlastn\u011bn\u00ed nemovitosti, ji\u017e m\u016f\u017ee d\u00e1t z\u00e1jemce o tuto hypot\u00e9ku do z\u00e1stavy, a r\u00e1zem je velik\u00e1 nad\u011bje na to, \u017ee p\u016fj\u010dku z\u00edsk\u00e1, a to a\u017e do v\u00fd\u0161e sedmdes\u00e1ti procent odhadn\u00ed ceny on\u00e9 do z\u00e1stavy dan\u00e9 nemovitosti. Proto\u017ee krom\u011b t\u00e9to povinnosti u\u017e se toho po \u010dlov\u011bku nechce nijak moc. Za probl\u00e9m tu neb\u00fdv\u00e1 pova\u017eov\u00e1n nejeden ze z\u00e1znam\u016f v registrech dlu\u017en\u00edk\u016f, pokud tento nebude vadit p\u0159i spl\u00e1cen\u00ed v budoucnu, tady nen\u00ed nezbytn\u00e9 ani slo\u017eit\u00e9 prokazov\u00e1n\u00ed toho, m\u00e1-li \u010dlov\u011bk velk\u00e9 p\u0159\u00edjmy. Proto\u017ee z\u00e1znamy z minulosti nemus\u00ed d\u00e1vno nic znamenat a na spl\u00e1cen\u00ed sta\u010d\u00ed i docela m\u00e1lo. A nem\u00e1-li \u010dlov\u011bk ani toto m\u00e1lo, v\u017edy si m\u016f\u017ee p\u0159iv\u00e9st n\u011bjak\u00e9ho spoludlu\u017en\u00edka, jen\u017e je na tom l\u00e9pe a jen\u017e vypom\u016f\u017ee. A tak se tu pen\u011bz do\u010dk\u00e1 skoro ka\u017ed\u00fd, rychle a jednodu\u0161e, i na dlouhou dobu spl\u00e1cen\u00ed. A to je ide\u00e1ln\u00ed, a to nejen pro ty, kdo maj\u00ed finan\u010dn\u00ed pot\u00ed\u017ee.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka, kter\u00e1 nezklame","item":"https:\/\/www.ampec.cz\/pujcka-ktera-nezklame\/#breadcrumbitem"}]}]