[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.katel.cz\/vyberte-si-spravnou-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.katel.cz\/vyberte-si-spravnou-pujcku\/","headline":"Vyberte si spr\u00e1vnou p\u016fj\u010dku","name":"Vyberte si spr\u00e1vnou p\u016fj\u010dku","description":"Pokud jste se rozhodli vz\u00edt si p\u016fj\u010dku, je to \u010dist\u011b jenom va\u0161e v\u011bc. Do toho v\u00e1m nikdo, snad jedin\u011b s […]","datePublished":"2019-09-13","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.katel.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.katel.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"katel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.katel.cz\/wp-content\/uploads\/img_a352054_w1916_t1566552578.jpg","url":"https:\/\/www.katel.cz\/wp-content\/uploads\/img_a352054_w1916_t1566552578.jpg","height":0,"width":0},"url":"https:\/\/www.katel.cz\/vyberte-si-spravnou-pujcku\/","about":["Web"],"wordCount":481,"articleBody":"  Pokud jste se rozhodli vz\u00edt si p\u016fj\u010dku, je to \u010dist\u011b jenom va\u0161e v\u011bc. Do toho v\u00e1m nikdo, snad jedin\u011b s v\u00fdjimkou osob v\u00e1m nejbli\u017e\u0161\u00edch, nem\u00e1 co mluvit. Ov\u0161em ne\u017e tak u\u010din\u00edte, m\u011bli byste ka\u017edop\u00e1dn\u011b zv\u00e1\u017eit v\u0161echna pro a proti. A kdy\u017e u\u017e to mus\u00ed b\u00fdt, vsadit na takov\u00fd typ p\u016fj\u010dky, kde v\u00e1m hroz\u00ed nejm\u00e9n\u011b nep\u0159\u00edjemnost\u00ed. Pokud m\u00e1te nap\u0159\u00edklad n\u00edzk\u00e9 p\u0159\u00edjmy a k nim dejme tomu i n\u011bjak\u00fd ten z\u00e1znam v registru dlu\u017en\u00edk\u016f, m\u011bli byste rovnou zapomenout na \u00favahy o p\u016fj\u010dce od banky. Proto\u017ee tyto skute\u010dnosti jednozna\u010dn\u011b povedou k tomu, \u017ee va\u0161e \u017e\u00e1dost bude zam\u00edtnuta. Proto\u017ee banky cht\u011bj\u00ed jen takov\u00e9 \u017eadatele, u nich\u017e je u\u017e na prvn\u00ed pohled z\u0159ejm\u00e9, \u017ee jsou dostate\u010dn\u011b spolehliv\u00ed a solventn\u00ed a \u017ee tedy spln\u00ed sv\u00e9 z\u00e1vazky. Kde\u017eto ten, kdo m\u00e1 minimum pen\u011bz a k tomu u\u017e d\u0159\u00edve zh\u0159e\u0161il, s \u00fasp\u011bchem po\u010d\u00edtat nem\u016f\u017ee. A pokud p\u016fj\u010dku p\u0159esto chcete, m\u011bli byste se obr\u00e1tit na nebankovn\u00ed sektor a zvolit n\u011bco jako nebankovn\u00ed hypot\u00e9ka. Co\u017e je na rozd\u00edl od toho p\u0159ed chv\u00edl\u00ed zm\u00edn\u011bn\u00e9ho produkt vhodn\u00fd i pr\u00e1v\u011b pro n\u011bkoho takov\u00e9ho, pro \u010dlov\u011bka, kter\u00fd se zrovna nem\u00e1 moc \u010d\u00edm chlubit. Takov\u00e1 nebankovn\u00ed spole\u010dnost sice \u017e\u00e1d\u00e1, aby j\u00ed byla za p\u016fj\u010den\u00e9 pen\u00edze d\u00e1na do z\u00e1stavy nemovitost odpov\u00eddaj\u00edc\u00ed hodnoty, tedy takov\u00e1, z n\u00ed\u017e posta\u010d\u00ed \u017eadateli p\u016fj\u010dka ve v\u00fd\u0161i nanejv\u00fd\u0161 sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny, ov\u0161em m\u00e1 to i svoje plus. A sice to, \u017ee d\u00edky t\u00e9to z\u00e1stav\u011b nemovitosti nejsou \u017eadatel\u00e9 nikterak p\u0159\u00edsn\u011b prov\u011b\u0159ov\u00e1ni a poskytovatel t\u00e9to p\u016fj\u010dky se tak klidn\u011b spokoj\u00ed i s n\u011bk\u00fdm, jeho\u017e n\u00edzk\u00e9 p\u0159\u00edjmy posta\u010d\u00ed na spl\u00e1cen\u00ed spl\u00e1tek, je\u017e mohou b\u00fdt d\u00edky velmi dlouh\u00e9 dob\u011b spl\u00e1cen\u00ed sn\u00ed\u017eeny na absolutn\u00ed minimum, a zrovna tak nemus\u00ed nebankovn\u00ed spole\u010dnosti vadit ani n\u011bjak\u00fd ten m\u00e9n\u011b z\u00e1va\u017en\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f, pokud tento jasn\u011b nenazna\u010duje, \u017ee bude p\u0159i spl\u00e1cen\u00ed na obt\u00ed\u017e. A tak si tu i nep\u0159\u00edli\u0161 solventn\u00ed jedinec m\u016f\u017ee p\u0159ij\u00edt na docela hezk\u00e9 pen\u00edze. Je\u017e posl\u00e9ze m\u016f\u017ee spl\u00e1cet t\u0159eba a\u017e po dobu t\u0159iceti let, je-li to zapot\u0159eb\u00ed. Proto\u017ee nebankovn\u00ed spole\u010dnost se v tomto \u017eadateli p\u0159izp\u016fsob\u00ed. A klidn\u011b nejen v tomto. A tak chcete-li si u\u017e p\u016fj\u010dit, volte s rozumem. Nebankovn\u00ed hypot\u00e9ka je s velkou pravd\u011bpodobnost\u00ed to nejlep\u0161\u00ed, co si m\u016f\u017eete vybrat.                                                                                                                                                                                                                                                                                                                                                                                         4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyberte si spr\u00e1vnou p\u016fj\u010dku","item":"https:\/\/www.katel.cz\/vyberte-si-spravnou-pujcku\/#breadcrumbitem"}]}]