[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.etre.cz\/pujcka-jako-past-na-neznale\/#Article","mainEntityOfPage":"https:\/\/www.etre.cz\/pujcka-jako-past-na-neznale\/","headline":"P\u016fj\u010dka jako past na neznal\u00e9","name":"P\u016fj\u010dka jako past na neznal\u00e9","description":"P\u016fj\u010dka je dnes dostupn\u00e1 ka\u017ed\u00e9mu, ale velice z\u00e1le\u017e\u00ed na tom jak\u00e1. Pro v\u011bt\u0161inu z n\u00e1s jsou b\u011b\u017en\u011b dostupn\u00e9 tzv. Rychl\u00e9 p\u016fj\u010dky. Jsou to takov\u00e9 p\u016fj\u010dky, kdy nemus\u00edme ni\u010d\u00edm ru\u010dit ani nic dokl\u00e1dat. Je to v\u0161ak tenk\u00fd led. Spoustu lid\u00ed se tak dostane do \u00fav\u011brov\u00e9 pasti, kdy najednou p\u0159ijdou o v\u0161e.","datePublished":"2018-05-25","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.etre.cz\/author\/#Person","name":"","url":"https:\/\/www.etre.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"etre.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.etre.cz\/wp-content\/uploads\/img_a321296_w2485_t1532548433.jpg","url":"https:\/\/www.etre.cz\/wp-content\/uploads\/img_a321296_w2485_t1532548433.jpg","height":0,"width":0},"url":"https:\/\/www.etre.cz\/pujcka-jako-past-na-neznale\/","wordCount":442,"articleBody":"P\u016fj\u010dka je dnes dostupn\u00e1 ka\u017ed\u00e9mu, ale velice z\u00e1le\u017e\u00ed na tom jak\u00e1. Pro v\u011bt\u0161inu z n\u00e1s jsou b\u011b\u017en\u011b dostupn\u00e9 tzv. Rychl\u00e9 p\u016fj\u010dky. Jsou to takov\u00e9 p\u016fj\u010dky, kdy nemus\u00edme ni\u010d\u00edm ru\u010dit ani nic dokl\u00e1dat. Je to v\u0161ak tenk\u00fd led. Spoustu lid\u00ed se tak dostane do \u00fav\u011brov\u00e9 pasti, kdy najednou p\u0159ijdou o v\u0161e. Pokud je \u010dlov\u011bk negramotn\u00fd snadno se dostane do sp\u00e1r\u016f vymaha\u010dsk\u00fdch spole\u010dnost\u00ed. \u010casto u takov\u00e9ho typu \u00fav\u011bru b\u00fdvaj\u00ed sazby dalekos\u00e1hle p\u0159esahuj\u00edc\u00ed pojem lichv\u00e1\u0159stv\u00ed, kdy jsou \u00faroky z p\u016fj\u010dky p\u0159esahuj\u00edc\u00ed hodnotu 20 %. Pot\u00e9 m\u016f\u017ee v\u011b\u0159itel mnohon\u00e1sobn\u011b p\u0159es\u00e1hnout hodnotu p\u016fj\u010dky. Co\u017e je v\u00fdhodou pro spole\u010dnost, m\u00e9n\u011b u\u017e pro klienta. Mnohem bezpe\u010dn\u011bj\u0161\u00ed typ p\u016fj\u010dov\u00e1n\u00ed pen\u011bz jsou hypot\u00e9ky. Tu lze z\u00edskat v r\u00e1mci stavebn\u00edho spo\u0159en\u00ed. Zde je ov\u0161em nastaveno mnoho pravidel, kdy si banka ov\u011b\u0159\u00ed, zda je klient skute\u010dn\u011b d\u016fv\u011bryhodn\u00fd. Pro z\u00edsk\u00e1n\u00ed zv\u00fdhodn\u011bn\u00e9 hypot\u00e9ky ze stavebn\u00edho spo\u0159en\u00ed je zapot\u0159eb\u00ed spo\u0159it alespo\u0148 po dobu dvou let, kdy z\u00edsk\u00e1v\u00e1me st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek. D\u00e1le nesm\u00edme b\u00fdt vedeni v registru dlu\u017en\u00edk\u016f. To m\u016f\u017ee b\u00fdt pro n\u011bkter\u00e9 jedince probl\u00e9m. Dal\u0161\u00ed k\u00e1men \u00farazu je z\u00e1stava. V r\u00e1mci hypote\u010dn\u00edho \u00fav\u011bru mus\u00edme v\u017edy m\u00edt ur\u010dit\u00fd typ ru\u010den\u00ed. Jedn\u00e1 se bu\u010f o ru\u010den\u00ed sv\u00fdm p\u0159\u00edjmem nebo ru\u010den\u00ed nemovitost\u00ed. V obou p\u0159\u00edpadech zejm\u00e9na pak v p\u0159\u00edpad\u011b nemovitosti mus\u00edme dokl\u00e1dat odhad soudn\u00edho znalce a mus\u00edme po\u010d\u00edtat s t\u00edm, \u017ee n\u00e1m banka poskytne p\u016fj\u010dku maxim\u00e1ln\u011b do v\u00fd\u0161e 70 % hodnoty nemovitosti. V\u00fdhodou p\u016fj\u010dky je jej\u00ed n\u00edzk\u00e9 \u00farokov\u00e9 procento a taky v\u00fd\u0161e spl\u00e1tek. Jeliko\u017e se d\u00e1 spl\u00e1cet po dobu a\u017e 30 let m\u016f\u017eeme b\u00fdt spl\u00e1cen\u00edm zat\u00ed\u017eeni opravdu minim\u00e1ln\u011b. V r\u00e1mci hypot\u00e9ky je ov\u0161em nastaveno spoustu pravidel \u010d\u00edm\u017e se banka distancuje od ned\u016fv\u011bryhodn\u00fdch dlu\u017en\u00edk\u016f. Pokud jde o nebankovn\u00ed typy p\u016fj\u010dek jsou spole\u010dnosti v\u00edce tolerantn\u00ed, to je ov\u0161em vykoupeno v\u011bt\u0161\u00ed \u00farokovou sazbou, kter\u00e1 je mnohdy a\u017e zar\u00e1\u017eej\u00edc\u00ed. Kdy\u017e se rozhodneme zadlu\u017eit se u takov\u00e9 spole\u010dnosti \u010dasto se m\u016f\u017eeme propadnout do spleti dluh\u016f ze kter\u00e9ho \u010dasto nen\u00ed \u00faniku.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka jako past na neznal\u00e9","item":"https:\/\/www.etre.cz\/pujcka-jako-past-na-neznale\/#breadcrumbitem"}]}]