[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spaarch.cz\/pujcka-na-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.spaarch.cz\/pujcka-na-bydleni\/","headline":"P\u016fj\u010dka na bydlen\u00ed","name":"P\u016fj\u010dka na bydlen\u00ed","description":"Dnes a denn\u011b si lid\u00e9 neust\u00e1le na n\u011bco p\u016fj\u010duj\u00ed. \u010casto si v\u0161ak ani neuv\u011bdomuj\u00ed, \u017ee se t\u00edmto krokem dost\u00e1vaj\u00ed do velk\u00e9ho rizika. Zvl\u00e1\u0161\u0165 pak lid\u00e9, kte\u0159\u00ed nemaj\u00ed \u0161anci danou p\u016fj\u010dku splatit. Takov\u00e9mu \u010dlov\u011bku \u017e\u00e1dn\u00e1 banka pen\u00edze neposkytne ov\u0161em nebankovn\u00ed spole\u010dnosti takov\u00e9ho \u010dlov\u011bk r\u00e1dy polituj\u00ed a ze soucitu mu za neskute\u010dn\u011b vysok\u00fd \u00farok, kter\u00e1 p\u0159esahuje pojem […]","datePublished":"2023-05-10","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.spaarch.cz\/author\/#Person","name":"","url":"https:\/\/www.spaarch.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spaarch.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spaarch.cz\/wp-content\/uploads\/img_a333904_w2335_t1547496395.jpg","url":"https:\/\/www.spaarch.cz\/wp-content\/uploads\/img_a333904_w2335_t1547496395.jpg","height":0,"width":0},"url":"https:\/\/www.spaarch.cz\/pujcka-na-bydleni\/","wordCount":454,"articleBody":"Dnes a denn\u011b si lid\u00e9 neust\u00e1le na n\u011bco p\u016fj\u010duj\u00ed. \u010casto si v\u0161ak ani neuv\u011bdomuj\u00ed, \u017ee se t\u00edmto krokem dost\u00e1vaj\u00ed do velk\u00e9ho rizika. Zvl\u00e1\u0161\u0165 pak lid\u00e9, kte\u0159\u00ed nemaj\u00ed \u0161anci danou p\u016fj\u010dku splatit. Takov\u00e9mu \u010dlov\u011bku \u017e\u00e1dn\u00e1 banka pen\u00edze neposkytne ov\u0161em nebankovn\u00ed spole\u010dnosti takov\u00e9ho \u010dlov\u011bk r\u00e1dy polituj\u00ed a ze soucitu mu za neskute\u010dn\u011b vysok\u00fd \u00farok, kter\u00e1 p\u0159esahuje pojem lichv\u00e1\u0159stv\u00ed poskytnou pen\u00edze. Na vin\u011b je zde jedin\u00e1 v\u011bc a to neznalosti.
 
 
 
 Pokud by \u010dlov\u011bk, kter\u00fd m\u00e1 finan\u010dn\u00ed nouzi m\u011bl pot\u0159ebn\u00e9 finan\u010dn\u00ed znalosti nebo alespo\u0148 finan\u010dn\u00ed gramotnost u takov\u00e9 spole\u010dnosti by si nikdy finance nep\u016fj\u010dil. Tyto v\u011bdomosti v\u0161ak na z\u00e1kladn\u00edch \u0161kol\u00e1ch chyb\u00ed a \u010dlov\u011bk s v\u00fdu\u010dn\u00edm listem m\u00e1 jen velice omezenou \u0161anci se k t\u011bmto informac\u00edm dostat.
 
 \u00dapln\u011b jin\u00e1 v\u011bc je u stavby nemovitosti, zde si lid\u00e9 sna\u017e\u00ed nahrabat co nejv\u00edc pen\u011bz p\u0159edt\u00edm, ne\u017e p\u016fjdou za\u017e\u00e1dat o p\u016fj\u010dku. D\u016fvod je velice prost\u00fd, a to hlavn\u011b v\u011bdom\u00ed, \u017ee danou hypot\u00e9ku budeme spl\u00e1cet dal\u0161\u00edch deset nebo dokonce dvacet let. Proto tak\u00e9 chceme platit co nejmen\u0161\u00ed \u010d\u00e1stku.
 
 To nemus\u00ed b\u00fdt zrovna p\u0159\u00edjemn\u00e1 v\u011bc, a proto tak\u00e9 mus\u00edme sh\u00e1n\u011bt pen\u00edze, kde to jen jde. V\u011bt\u0161inou za\u010dneme u rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f, zn\u00e1m\u00fdch a a\u017e pot\u00e9 zam\u00ed\u0159\u00edme do banky. Ta m\u00e1 nav\u00edc stanoven\u00e1 ur\u010dit\u00e1 pravidla pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky pr\u00e1v\u011b na bydlen\u00ed.
 
 
 M\u016f\u017eeme samoz\u0159ejm\u011b zam\u00ed\u0159it k nebankovn\u00ed spole\u010dnosti a vz\u00edt si americkou nebo tak\u00e9 bez\u00fa\u010delovou hypot\u00e9ku, ale t\u00edm bychom si akor\u00e1t zava\u0159il st\u00e1vaj\u00edc\u00ed situaci. D\u016fm v dne\u0161n\u00ed dob\u011b nav\u00edc nen\u00ed nijak levn\u00e1 z\u00e1le\u017eitost a mus\u00edme tak po\u010d\u00edtat, \u017ee v\u00fdsledn\u00e1 \u010d\u00e1stka se vy\u0161plh\u00e1 opravdu vysoko. Tu u\u017e mus\u00ed ka\u017ed\u00fd v\u011bd\u011bt s\u00e1m, zda mu to za to stoj\u00ed.
 
 Kdy\u017e zam\u00ed\u0159\u00edme do banky m\u011bli bychom si b\u00fdt jisti t\u0159emi z\u00e1le\u017eitostmi:
 
 \u00b7 M\u00e1m nemovitost k zastaven\u00ed nebo ru\u010ditele s nemovitost\u00ed
 
 \u00b7 Nejsme v registr\u016f dlu\u017en\u00edk\u016f (4let\u00e1 historie)
 
 \u00b7 M\u00e1m st\u00e1l\u00fd a pravideln\u00fd p\u0159\u00edjem
 
 Kdy\u017e spl\u0148ujeme tyto n\u00e1le\u017eitosti banka by nem\u011bla probl\u00e9m n\u00e1m pen\u00edze poskytnout. Samoz\u0159ejm\u011b do 70% hodnoty ocen\u011bn\u00ed nemovitosti. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b se tak mus\u00edme obr\u00e1tit na nebankovn\u00ed spole\u010dnosti, kde je cena p\u016fj\u010dky mnohon\u00e1sobn\u011b vy\u0161\u0161\u00ed.
                                                                                                                                                                                                                                                                                                                                                                                         3.9\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka na bydlen\u00ed","item":"https:\/\/www.spaarch.cz\/pujcka-na-bydleni\/#breadcrumbitem"}]}]