[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tikej.cz\/pujci-jiste-i-vam\/#Article","mainEntityOfPage":"https:\/\/www.tikej.cz\/pujci-jiste-i-vam\/","headline":"P\u016fj\u010d\u00ed jist\u011b i v\u00e1m","name":"P\u016fj\u010d\u00ed jist\u011b i v\u00e1m","description":"Bank\u00e1m sta\u010d\u00ed i jenom m\u00e1lo k tomu, aby odm\u00edtly leckter\u00e9ho ze \u017eadatel\u016f o n\u011bjakou p\u016fj\u010dku. Sta\u010d\u00ed dejme tomu z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo (i jen zd\u00e1nliv\u011b) n\u00edzk\u00e9 p\u0159\u00edjmy a r\u00e1zem je po nad\u011bj\u00edch. Jen\u017ee je nasnad\u011b, \u017ee i takov\u00fd \u010dlov\u011bk mus\u00ed n\u011bco j\u00edst, do n\u011b\u010deho se obl\u00e9kat, n\u011bkde bydlet a mo\u017en\u00e1 i zaopat\u0159ovat sv\u00e9 d\u011bti a podobn\u011b, co\u017e se bez pen\u011bz d\u011blat ned\u00e1. Leda \u017ee by se doty\u010dn\u00fd za\u010dal \u017eivit z popelnic, co\u017e ale v civilizovan\u00e9 spole\u010dnosti nelze pova\u017eovat za norm\u00e1ln\u00ed. A kdy\u017e ten \u010dlov\u011bk pot\u0159ebuje pen\u00edze, ale banky mu zabouchnou dve\u0159e p\u0159ed nosem s t\u00edm, \u017ee nem\u00e1 n\u00e1rok? Co <a class=\"read-more read-more-onhover\" href=\"https:\/\/www.tikej.cz\/pujci-jiste-i-vam\/\">Read More<\/a>","datePublished":"2019-09-12","dateModified":"2019-09-12","author":{"@type":"Person","@id":"https:\/\/www.tikej.cz\/author\/#Person","name":"","url":"https:\/\/www.tikej.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tikej.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tikej.cz\/wp-content\/uploads\/img_a343023_w3185_t1556106188.jpg","url":"https:\/\/www.tikej.cz\/wp-content\/uploads\/img_a343023_w3185_t1556106188.jpg","height":0,"width":0},"url":"https:\/\/www.tikej.cz\/pujci-jiste-i-vam\/","about":["Online"],"wordCount":424,"articleBody":"       Bank\u00e1m sta\u010d\u00ed i jenom m\u00e1lo k tomu, aby odm\u00edtly leckter\u00e9ho ze \u017eadatel\u016f o n\u011bjakou p\u016fj\u010dku. Sta\u010d\u00ed dejme tomu z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo (i jen zd\u00e1nliv\u011b) n\u00edzk\u00e9 p\u0159\u00edjmy a r\u00e1zem je po nad\u011bj\u00edch. Jen\u017ee je nasnad\u011b, \u017ee i takov\u00fd \u010dlov\u011bk mus\u00ed n\u011bco j\u00edst, do n\u011b\u010deho se obl\u00e9kat, n\u011bkde bydlet a mo\u017en\u00e1 i zaopat\u0159ovat sv\u00e9 d\u011bti a podobn\u011b, co\u017e se bez pen\u011bz d\u011blat ned\u00e1. Leda \u017ee by se doty\u010dn\u00fd za\u010dal \u017eivit z popelnic, co\u017e ale v civilizovan\u00e9 spole\u010dnosti nelze pova\u017eovat za norm\u00e1ln\u00ed.A kdy\u017e ten \u010dlov\u011bk pot\u0159ebuje pen\u00edze, ale banky mu zabouchnou dve\u0159e p\u0159ed nosem s t\u00edm, \u017ee nem\u00e1 n\u00e1rok? Co potom?Potom kone\u010dn\u011b dosp\u011bje takov\u00fd jedinec k pozn\u00e1n\u00ed, \u017ee takov\u00e1 americk\u00e1 nebankovn\u00ed hypot\u00e9ka nen\u00ed nic \u0161patn\u00e9ho. Ba \u017ee je v mnoha ohledech p\u0159\u00edmo dokonal\u00e1. Proto\u017ee jenom si to vezm\u011bte! Nevy\u017eaduj\u00ed se u n\u00ed \u017e\u00e1dn\u00e9 poplatky p\u0159edem. Kdy\u017e se za ni \u010dlov\u011bk zaru\u010d\u00ed vlastn\u00ed nemovitost\u00ed, dostane p\u016fj\u010dku ve v\u00fd\u0161i a\u017e sedmdes\u00e1ti procent aktu\u00e1ln\u00ed odhadn\u00ed ceny uveden\u00e9 nemovitosti. A to mohou b\u00fdt v\u011bru hodn\u011b velk\u00e9 pen\u00edze. P\u0159\u00edjmy u n\u00ed lze dolo\u017eit jednodu\u0161e a jsou akceptov\u00e1ny i ty n\u00edzk\u00e9, respektive lze vyu\u017e\u00edt pomoci od dal\u0161\u00edho spolu\u017eadatele s p\u0159\u00edjmem. \u010casto se toleruj\u00ed i m\u00e9n\u011b z\u00e1va\u017en\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, t\u0159eba ty za opo\u017ed\u011bn\u00e9 platby nebo ty souvisej\u00edc\u00ed s u\u017e uhrazen\u00fdm dluhem. Tuto p\u016fj\u010dku lze spl\u00e1cet a\u017e po dobu t\u0159iceti let po mal\u00fdch \u010d\u00e1stk\u00e1ch, je\u017e nezat\u00ed\u017e\u00ed ni\u010d\u00ed rozpo\u010det. P\u0159\u00edpadn\u011b ji ale lze splatit i p\u0159ed\u010dasn\u011b. \u00darok s mo\u017enou fixac\u00ed na dlouhou dobu za\u010d\u00edn\u00e1 u\u017e na \u010dty\u0159ech procentech, obvykle se pak u nebankovn\u00ed americk\u00e9 hypot\u00e9ky s toleranc\u00ed p\u0159\u00edjm\u016f a registr\u016f \u017e\u00e1d\u00e1 6,9 procenta. Jej\u00ed schv\u00e1len\u00ed je velmi rychl\u00e9. Takto z\u00edskan\u00e9 pen\u00edze lze pou\u017e\u00edt na cokoliv, klidn\u011b i na spl\u00e1cen\u00ed d\u0159\u00edv\u011bj\u0161\u00edch p\u016fj\u010dek, dluh\u016f a exekuc\u00ed. Tak\u017ee se nen\u00ed t\u0159eba dlouze rozm\u00fd\u0161let. Lze klidn\u011b vsadit na jistotu, u n\u00ed\u017e prakticky nelze neusp\u011bt. Pokud tedy nechcete rad\u011bji trnout n\u011bkde p\u0159ed bankou, zda v\u00e1m tam n\u011bco p\u016fj\u010d\u00ed nebo ne.                                                                                                                                                                                                                                                                                                                                                                                          3.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010d\u00ed jist\u011b i v\u00e1m","item":"https:\/\/www.tikej.cz\/pujci-jiste-i-vam\/#breadcrumbitem"}]}]