[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cernaliska.cz\/2019\/09\/27\/cesta-k-idealnimu-uveru-nemusi-byt-slozita\/#Article","mainEntityOfPage":"https:\/\/www.cernaliska.cz\/2019\/09\/27\/cesta-k-idealnimu-uveru-nemusi-byt-slozita\/","headline":"Cesta k ide\u00e1ln\u00edmu \u00fav\u011bru nemus\u00ed b\u00fdt slo\u017eit\u00e1","name":"Cesta k ide\u00e1ln\u00edmu \u00fav\u011bru nemus\u00ed b\u00fdt slo\u017eit\u00e1","description":"Chcete si sjednat nebankovn\u00ed hypot\u00e9ku? V tom p\u0159\u00edpad\u011b se jedn\u00e1 o skv\u011bl\u00fd n\u00e1pad, proto\u017ee s touto p\u016fj\u010dkou nikdy ne\u0161l\u00e1pnete vedle. Vyjde v\u00e1m vst\u0159\u00edc v ka\u017ed\u00e9 \u017eivotn\u00ed situaci, a\u0165 u\u017e v\u00e1s tr\u00e1p\u00ed cokoli anebo si chcete p\u016fj\u010dit pouze na dovolenou. Nikdo v\u00e1s ve va\u0161ich pl\u00e1nech nebude omezovat, ba naopak se m\u016f\u017eete t\u011b\u0161it na individu\u00e1ln\u00ed p\u0159\u00edstup a […]","datePublished":"2019-09-27","dateModified":"2019-09-27","author":{"@type":"Person","@id":"https:\/\/www.cernaliska.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cernaliska.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c85ed962cb1c3e1e680178ad084e2102c88284f87c8033477621334d3d050a6d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c85ed962cb1c3e1e680178ad084e2102c88284f87c8033477621334d3d050a6d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cernaliska.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cernaliska.cz\/wp-content\/uploads\/img_a340791_w1697_t1553680205.png","url":"https:\/\/www.cernaliska.cz\/wp-content\/uploads\/img_a340791_w1697_t1553680205.png","height":0,"width":0},"url":"https:\/\/www.cernaliska.cz\/2019\/09\/27\/cesta-k-idealnimu-uveru-nemusi-byt-slozita\/","wordCount":416,"articleBody":"        Chcete si sjednat nebankovn\u00ed hypot\u00e9ku? V tom p\u0159\u00edpad\u011b se jedn\u00e1 o skv\u011bl\u00fd n\u00e1pad, proto\u017ee s touto p\u016fj\u010dkou nikdy ne\u0161l\u00e1pnete vedle. Vyjde v\u00e1m vst\u0159\u00edc v ka\u017ed\u00e9 \u017eivotn\u00ed situaci, a\u0165 u\u017e v\u00e1s tr\u00e1p\u00ed cokoli anebo si chcete p\u016fj\u010dit pouze na dovolenou. Nikdo v\u00e1s ve va\u0161ich pl\u00e1nech nebude omezovat, ba naopak se m\u016f\u017eete t\u011b\u0161it na individu\u00e1ln\u00ed p\u0159\u00edstup a smlouvu \u0161itou na m\u00edru va\u0161\u00ed \u017eivotn\u00ed situaci.  Jist\u011b v\u00e1s nyn\u00ed zaj\u00edm\u00e1, co konkr\u00e9tn\u011b mus\u00edte ud\u011blat proto, abyste m\u011bli pen\u00edze doma pod st\u0159echou? V z\u00e1sad\u011b mus\u00edte splnit dv\u011b podm\u00ednky, na kter\u00fdch opravdu z\u00e1le\u017e\u00ed. Ka\u017ed\u00fd v\u011b\u0159itel si v\u017edy mus\u00ed ov\u011b\u0159it finan\u010dn\u00ed stav sv\u00e9ho \u017eadatele. A stejn\u011b tak, jako v\u00e1m ve \u0161patn\u00e9m finan\u010dn\u00edm stavu nep\u016fj\u010d\u00ed v bance, tak i nebankovn\u00ed spole\u010dnost si ov\u011b\u0159\u00ed, zda v\u00e1s jej\u00ed p\u016fj\u010dka nebude ohro\u017eovat na existenci. Pokud by toti\u017e bylo z\u0159ejm\u00e9, \u017ee v\u00e1s takov\u00e1 p\u016fj\u010dka po\u0161le po finan\u010dn\u00ed str\u00e1nce ke dnu, tak ji ani v nebankovn\u00ed spole\u010dnosti nedostanete. N\u011bco takov\u00e9ho by nikomu nebylo ku prosp\u011bchu. Ov\u0161em pokud prok\u00e1\u017eete, \u017ee m\u00e1te dostate\u010dn\u00fd pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem na spl\u00e1cen\u00ed sv\u00fdch z\u00e1vazk\u016f, tak va\u0161\u00ed p\u016fj\u010dce nestoj\u00ed nic v cest\u011b.  Tedy v p\u0159\u00edpad\u011b, \u017ee spln\u00edte i druhou podm\u00ednku. Nezbytn\u00e1 je z\u00e1ruka v podob\u011b nemovitosti. Nebankovn\u00ed spole\u010dnost v\u00e1m poskytne pen\u00edze i se z\u00e1znamem v registru, i s ni\u017e\u0161\u00edmi p\u0159\u00edjmy, ov\u0161em chce m\u00edt jistotu, \u017ee sv\u00fdm z\u00e1vazk\u016fm dostoj\u00edte. A vhodnou z\u00e1rukou se stane pr\u00e1v\u011b v\u00e1mi zvolen\u00e1 nemovitost. O jak\u00fd konkr\u00e9tn\u00ed druh nemovitosti p\u016fjde, nen\u00ed ani tak d\u016fle\u017eit\u00e9 jako p\u0159edev\u0161\u00edm to, jak\u00e1 bude hodnota takov\u00e9 zvolen\u00e9 nemovitosti. Ru\u010dit proto m\u016f\u017eete sv\u00fdm bytem, stejn\u011b tak jako dru\u017estevn\u00edm bytem. Hypot\u00e9ka na dru\u017estevn\u00ed byt je stejn\u011b mo\u017en\u00e1 jako hypot\u00e9ka na pozemek anebo t\u0159eba i hypot\u00e9ka na firemn\u00ed v\u00fdrobn\u00ed are\u00e1l. Pokud si nem\u00e1te z \u010deho vyb\u00edrat, zvolte nemovitost, kterou m\u00e1te po ruce, pokud m\u00e1te na v\u00fdb\u011br, zvolte takovou nemovitost, jej\u00ed\u017e hodnota koresponduje s v\u00fd\u0161\u00ed \u010d\u00e1stky, o jakou m\u00e1te z\u00e1jem.                                                                                                                                                                                                                                                                                                                                                                                                  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