[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ovesny.cz\/i-z-nizkeho-prijmu-muzete-svou-pujcku-bez-potizi-splacet\/#Article","mainEntityOfPage":"https:\/\/www.ovesny.cz\/i-z-nizkeho-prijmu-muzete-svou-pujcku-bez-potizi-splacet\/","headline":"I z n\u00edzk\u00e9ho p\u0159\u00edjmu m\u016f\u017eete svou p\u016fj\u010dku bez pot\u00ed\u017e\u00ed spl\u00e1cet","name":"I z n\u00edzk\u00e9ho p\u0159\u00edjmu m\u016f\u017eete svou p\u016fj\u010dku bez pot\u00ed\u017e\u00ed spl\u00e1cet","description":"M\u00e1te n\u00edzk\u00fd p\u0159\u00edjem? Odm\u00edtli v\u00e1s v bance kv\u016fli \u0161patn\u00e9 bonit\u011b? Uva\u017eujete, jak na celou v\u011bc vyzr\u00e1t, proto\u017ee nutn\u011b pot\u0159ebujete pen\u00edze? V tom p\u0159\u00edpad\u011b nev\u011b\u0161te hlavu, proto\u017ee to, co plat\u00ed v bance, je\u0161t\u011b nutn\u011b nemus\u00ed platit v nebankovn\u00ed spole\u010dnosti. Banky jsou pov\u011bstn\u00e9 t\u00edm, \u017ee na sv\u00e9 klienty kladou vysok\u00e9 n\u00e1roky, t\u00edm sp\u00ed\u0161e, pokud jde o p\u016fj\u010dky. […]","datePublished":"2019-02-13","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.ovesny.cz\/author\/#Person","name":"","url":"https:\/\/www.ovesny.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ovesny.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ovesny.cz\/wp-content\/uploads\/img_a339307_w3185_t1552551914.jpg","url":"https:\/\/www.ovesny.cz\/wp-content\/uploads\/img_a339307_w3185_t1552551914.jpg","height":0,"width":0},"url":"https:\/\/www.ovesny.cz\/i-z-nizkeho-prijmu-muzete-svou-pujcku-bez-potizi-splacet\/","about":["Finance"],"wordCount":415,"articleBody":"       M\u00e1te n\u00edzk\u00fd p\u0159\u00edjem? Odm\u00edtli v\u00e1s v bance kv\u016fli \u0161patn\u00e9 bonit\u011b? Uva\u017eujete, jak na celou v\u011bc vyzr\u00e1t, proto\u017ee nutn\u011b pot\u0159ebujete pen\u00edze? V tom p\u0159\u00edpad\u011b nev\u011b\u0161te hlavu, proto\u017ee to, co plat\u00ed v bance, je\u0161t\u011b nutn\u011b nemus\u00ed platit v nebankovn\u00ed spole\u010dnosti. Banky jsou pov\u011bstn\u00e9 t\u00edm, \u017ee na sv\u00e9 klienty kladou vysok\u00e9 n\u00e1roky, t\u00edm sp\u00ed\u0161e, pokud jde o p\u016fj\u010dky. \u017dadatele, kter\u00fdm vyjdou vst\u0159\u00edc, si bankovn\u00ed domy pe\u010dliv\u011b vyb\u00edraj\u00ed, a pokud na n\u011bkoho padne by\u0165 jen mal\u00fd st\u00edn pochybnosti, tak jeho \u017e\u00e1dost o \u00fav\u011br skon\u010d\u00ed okam\u017eit\u011b v ko\u0161i. Takov\u00e9 chov\u00e1n\u00ed na jednu stranu mnoho \u017eadatel\u016f ochr\u00e1n\u00ed p\u0159ed riskantn\u00edm podnikem, kter\u00fd by jim t\u0159eba nemusel vyj\u00edt, ov\u0161em mnoho \u017eadatel\u016f rovn\u011b\u017e p\u0159iprav\u00ed o pen\u00edze, kter\u00e9 nezbytn\u011b pot\u0159ebuj\u00ed a dok\u00e1zali by je spl\u00e1cet. Mnoho lid\u00ed pot\u0159ebuje pen\u00edze a pot\u0159ebuj\u00ed je hned. T\u00edm sp\u00ed\u0161e, kdy\u017e jejich v\u00fdhled na lep\u0161\u00ed pr\u00e1ci, kde by m\u011bli n\u011bjak\u00fd vy\u0161\u0161\u00ed p\u0159\u00edjem, je pom\u011brn\u011b miziv\u00fd. Nicm\u00e9n\u011b ani pr\u016fm\u011brn\u00fd anebo n\u00edzk\u00fd p\u0159\u00edjem nemus\u00ed nutn\u011b znamenat, \u017ee svou p\u016fj\u010dku nedok\u00e1\u017eete spl\u00e1cet. Ba naopak, mnoho lid\u00ed s ni\u017e\u0161\u00edmi p\u0159\u00edjmy dok\u00e1\u017ee ze sv\u00e9ho p\u0159\u00edjmu u\u0161et\u0159it pom\u011brn\u011b mnoho pen\u011bz, kter\u00e9 mohou vyu\u017e\u00edt ke spl\u00e1cen\u00ed. Jestli\u017ee jste se n\u00e1hodou i vy ocitli v podobn\u00e9 situaci, tak nev\u00e1hejte a sjednejte si nebankovn\u00ed hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu. Takov\u00e1 hypot\u00e9ka sice neznamen\u00e1, \u017ee byste sv\u00e9 p\u0159\u00edjmy nemuseli dokl\u00e1dat, ov\u0161em m\u00e1te jistotu, \u017ee se va\u0161e p\u016fj\u010dka bude posuzovat individu\u00e1ln\u011b a s n\u00e1le\u017eitou pe\u010dlivost\u00ed. Banky pou\u017e\u00edvaj\u00ed pro v\u00fdpo\u010det bonity \u017eadatele zaveden\u00e9 pau\u0161\u00e1ln\u00ed vzorce a o skute\u010dn\u00fd stav v\u011bc\u00ed se v nich nikdo nezaj\u00edm\u00e1. Naopak nebankovn\u00ed spole\u010dnosti posuzuj\u00ed ka\u017edou \u017e\u00e1dost o \u00fav\u011br pe\u010dliv\u011b a ka\u017edou jednotlivou \u017e\u00e1dost zkoumaj\u00ed a sna\u017e\u00ed se naj\u00edt takov\u00e9 \u0159e\u0161en\u00ed, se kter\u00fdm by mohly vyj\u00edt \u017eadateli vst\u0159\u00edc. A nez\u0159\u00eddka se pr\u00e1v\u011b takov\u00e9 \u0159e\u0161en\u00ed najde.Tak\u017ee ani zd\u00e1nliv\u011b ni\u017e\u0161\u00ed p\u0159\u00edjem nemus\u00ed nic znamenat, pokud budete m\u00edt dostatek pen\u011bz na pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky i s \u00faroky.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"I z n\u00edzk\u00e9ho p\u0159\u00edjmu m\u016f\u017eete svou p\u016fj\u010dku bez pot\u00ed\u017e\u00ed spl\u00e1cet","item":"https:\/\/www.ovesny.cz\/i-z-nizkeho-prijmu-muzete-svou-pujcku-bez-potizi-splacet\/#breadcrumbitem"}]}]