[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.desin.cz\/kdo-pujci-skoro-kazdemu\/#Article","mainEntityOfPage":"https:\/\/www.desin.cz\/kdo-pujci-skoro-kazdemu\/","headline":"Kdo p\u016fj\u010d\u00ed skoro ka\u017ed\u00e9mu?","name":"Kdo p\u016fj\u010d\u00ed skoro ka\u017ed\u00e9mu?","description":"V \u017eivot\u011b mnoha lid\u00ed nast\u00e1vaj\u00ed obdob\u00ed, v nich\u017e se t\u011bmto ekonomicky pr\u00e1v\u011b neda\u0159\u00ed. N\u011bkdy tito nemaj\u00ed takov\u00e9 prost\u0159edky, kter\u00fdmi by…","datePublished":"2022-11-12","dateModified":"2022-11-12","author":{"@type":"Person","@id":"https:\/\/www.desin.cz\/author\/#Person","name":"","url":"https:\/\/www.desin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"desin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.desin.cz\/wp-content\/uploads\/mince%20ciz%C3%AD_10_6.jpg","url":"https:\/\/www.desin.cz\/wp-content\/uploads\/mince%20ciz%C3%AD_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.desin.cz\/kdo-pujci-skoro-kazdemu\/","about":["Finance"],"wordCount":402,"articleBody":"   V \u017eivot\u011b mnoha lid\u00ed nast\u00e1vaj\u00ed obdob\u00ed, v nich\u017e se t\u011bmto ekonomicky pr\u00e1v\u011b neda\u0159\u00ed. N\u011bkdy tito nemaj\u00ed takov\u00e9 prost\u0159edky, kter\u00fdmi by dok\u00e1zali financovat v\u0161echno, co by jim bylo pot\u0159eba, n\u011bkdy tito nemaj\u00ed mo\u017en\u00e1 dokonce ani korunu. A kdy\u017e je situace podobn\u00e1 t\u00e9 pr\u00e1v\u011b popsan\u00e9, nen\u00ed divu, \u017ee se to ti, na n\u011b\u017e podobn\u011b t\u011b\u017ek\u00fd osud dolehl, pokou\u0161ej\u00ed zm\u011bnit k lep\u0161\u00edmu. A \u017ee tedy hledaj\u00ed zp\u016fsoby, jak se z finan\u010dn\u00edch pot\u00ed\u017e\u00ed zase co nejrychleji dostat.Jen\u017ee ono to nen\u00ed vesm\u011bs jednoduch\u00e9. Sh\u00e1n\u011bt dal\u0161\u00ed pen\u00edze ve chv\u00edli, kdy ty vlastn\u00ed nesta\u010d\u00ed, b\u00fdv\u00e1 komplikovan\u00e9 a n\u011bkdy zd\u00e1nliv\u011b skoro nemo\u017en\u00e9. Proto\u017ee kdo vyjde ochotn\u011b v \u00fastrety n\u011bkomu, kdo mu nedok\u00e1\u017ee dost d\u016fv\u011bryhodn\u011b prok\u00e1zat schopnost spl\u00e1cet? Odpov\u011b\u010f je v\u00e1m jist\u011b jasn\u00e1.Ale ony se ty pen\u00edze n\u011bkde sehnat mus\u00ed. A\u0165 to vypad\u00e1 sebeslo\u017eit\u011bji a mo\u017en\u00e1 dokonce nezvl\u00e1dnuteln\u011b, mus\u00ed se naj\u00edt n\u011bkdo, kdo moment\u00e1ln\u011b str\u00e1daj\u00edc\u00edmu \u010dlov\u011bku n\u011bjakou tu finan\u010dn\u00ed podporu nab\u00eddne. Jen\u017ee kde n\u011bkoho podobn\u00e9ho hledat? V bank\u00e1ch zpravidla ne. Banky sice pen\u00edze p\u016fj\u010duj\u00ed, ale jenom t\u011bm, kdo jsou bonitn\u00ed, kdo maj\u00ed dost vysok\u00e9 p\u0159\u00edjmy a dokonale \u010dist\u00e9 registry dlu\u017en\u00edk\u016f. Tedy t\u011bm, u nich\u017e je spl\u00e1cen\u00ed dostate\u010dn\u011b jist\u00e9. Jen\u017ee co ti ostatn\u00ed, m\u00e9n\u011b dokonal\u00ed? Ti, kter\u00fdm v bance neposkytnou ani korunu s odkazem na to, \u017ee nen\u00ed prok\u00e1z\u00e1no, \u017ee doty\u010dn\u00ed p\u016fj\u010dku vr\u00e1t\u00ed?Pro ty je tu nebankovn\u00ed hypot\u00e9ka. P\u016fj\u010dka, kter\u00e1 je dostupn\u00e1 i m\u00e9n\u011b dob\u0159e vypadaj\u00edc\u00edm \u017eadatel\u016fm, maj\u00edc\u00edm ale tu p\u0159ednost, \u017ee vlastn\u00ed aspo\u0148 n\u011bjak\u00fd nemovit\u00fd majetek. Kdy\u017e se toti\u017e n\u011bkdo za spl\u00e1cen\u00ed podobn\u00e9 nebankovn\u00ed hypot\u00e9ky zaru\u010d\u00ed z\u00e1stavou nemovitosti, kter\u00e1 by se p\u0159\u00edpadn\u011b vyu\u017eila k uhrazen\u00ed nesplacen\u00e9ho dluhu, usp\u011bje docela snadno a z\u00edsk\u00e1 finan\u010dn\u00ed prost\u0159edky t\u0159eba a\u017e ve v\u00fd\u0161i sedmdes\u00e1ti procent odhadn\u00ed ceny takov\u00e9 nemovitosti, je\u017e potom lze spl\u00e1cet t\u0159eba i t\u0159i des\u00edtky let.A tak se kdekdo dok\u00e1\u017ee vymanit z finan\u010dn\u00edch probl\u00e9m\u016f, kter\u00e9 ho n\u011bkdy su\u017euj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  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