[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.popgom.cz\/penize-i-za-druzstevni-byt\/#Article","mainEntityOfPage":"https:\/\/www.popgom.cz\/penize-i-za-druzstevni-byt\/","headline":"Pen\u00edze i za dru\u017estevn\u00ed byt","name":"Pen\u00edze i za dru\u017estevn\u00ed byt","description":"Kdy\u017e \u010dlov\u011bk nal\u00e9hav\u011b pot\u0159ebuje pen\u00edze, m\u016f\u017ee se pokusit z\u00edskat p\u016fj\u010dku od n\u011bjak\u00e9 banky. Nen\u00ed na tom nic neobvykl\u00e9ho. Ov\u0161em stejn\u011b nen\u00ed nic neobvykl\u00e9ho ani na tom, kdy\u017e \u010dlov\u011bk p\u0159i podobn\u00e9m pokusu neusp\u011bje. Proto\u017ee banky m\u00edvaj\u00ed vysok\u00e9 n\u00e1roky na \u017eadatele o p\u016fj\u010dky, a sta\u010d\u00ed sebemen\u0161\u00ed st\u00edn podez\u0159en\u00ed, t\u0159eba v podob\u011b n\u00edzk\u00fdch p\u0159\u00edjm\u016f nebo z\u00e1znamu v registru...","datePublished":"2019-09-11","dateModified":"2019-09-11","author":{"@type":"Person","@id":"https:\/\/www.popgom.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.popgom.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"popgom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.popgom.cz\/wp-content\/uploads\/img_a343760_w1720_t1557134946.jpg","url":"https:\/\/www.popgom.cz\/wp-content\/uploads\/img_a343760_w1720_t1557134946.jpg","height":0,"width":0},"url":"https:\/\/www.popgom.cz\/penize-i-za-druzstevni-byt\/","about":["Internet"],"wordCount":461,"articleBody":"   Kdy\u017e \u010dlov\u011bk nal\u00e9hav\u011b pot\u0159ebuje pen\u00edze, m\u016f\u017ee se pokusit z\u00edskat p\u016fj\u010dku od n\u011bjak\u00e9 banky. Nen\u00ed na tom nic neobvykl\u00e9ho. Ov\u0161em stejn\u011b nen\u00ed nic neobvykl\u00e9ho ani na tom, kdy\u017e \u010dlov\u011bk p\u0159i podobn\u00e9m pokusu neusp\u011bje. Proto\u017ee banky m\u00edvaj\u00ed vysok\u00e9 n\u00e1roky na \u017eadatele o p\u016fj\u010dky, a sta\u010d\u00ed sebemen\u0161\u00ed st\u00edn podez\u0159en\u00ed, t\u0159eba v podob\u011b n\u00edzk\u00fdch p\u0159\u00edjm\u016f nebo z\u00e1znamu v registru dlu\u017en\u00edk\u016f, a je r\u00e1zem po nad\u011bj\u00edch. A co m\u00e1 d\u011blat takov\u00fd zam\u00edtnut\u00fd \u017eadatel potom? M\u016f\u017ee to vzd\u00e1t, ale byl by bl\u00e1zen. Proto\u017ee jsou tu u\u017e dlouho i jin\u00e9 mo\u017enosti, jak si k pot\u0159ebn\u00fdm financ\u00edm p\u0159ij\u00edt. Vezm\u011bte si t\u0159eba takov\u00fd produkt jm\u00e9nem hypot\u00e9ka na dru\u017estevn\u00ed byt. Jak u\u017e s\u00e1m n\u00e1zev napov\u00edd\u00e1, m\u016f\u017ee si \u010dlov\u011bk p\u016fj\u010dit i tak, \u017ee zvol\u00ed nebankovn\u00ed nab\u00eddku, p\u0159i n\u00ed\u017e po n\u011bm nebude dokonce vy\u017eadov\u00e1no ani to, aby byl vlastn\u00edkem nemovitosti, ji\u017e d\u00e1 za p\u016fj\u010den\u00e9 pen\u00edze do z\u00e1stavy. I docela oby\u010dejn\u00fd dru\u017estevn\u00ed byt je tu dosta\u010duj\u00edc\u00ed. Nebankovn\u00ed sektor nab\u00edz\u00ed podnikatelsk\u00e9 \u00fav\u011bry a neoto\u010d\u00ed se z\u00e1dy ani k n\u011bkomu takov\u00e9mu, kdo nic ne\u017e sv\u016fj dru\u017estevn\u00ed pod\u00edl na nemovitosti nab\u00eddnout nem\u016f\u017ee. I takov\u00e9mu m\u016f\u017ee poskytnout pot\u0159ebn\u00e9 finance, a to dokonce i tehdy, kdy\u017e m\u00e1 tento nav\u00edc dejme tomu i n\u011bjak\u00e9 ty z\u00e1znamy v registrech a ne zrovna dosta\u010duj\u00edc\u00ed p\u0159\u00edjem. Respektive m\u00e1 i jin\u00e9 nedostatky, mezi n\u011b\u017e lze za\u0159adit dejme tomu p\u0159\u00edli\u0161 n\u00edzk\u00fd \u010di naopak vysok\u00fd v\u011bk nebo exekuce na krku. A jak na to? Vlastn\u011b docela jednodu\u0161e. Sta\u010d\u00ed si nez\u00e1vazn\u011b vyplnit online \u017e\u00e1dost, p\u0159ilo\u017eit k n\u00ed n\u011bkolik fotografi\u00ed nemovitosti, je\u017e m\u00e1 b\u00fdt coby garance vr\u00e1cen\u00ed pen\u011bz zastavena, a po\u010dkat si na odpov\u011b\u010f. A pot\u00e9, co je \u010dlov\u011bku vypo\u010dteno, kolik si m\u016f\u017ee p\u016fj\u010dit (ona \u010d\u00e1stka m\u016f\u017ee \u010dinit a\u017e sedmdes\u00e1t procent ceny zastavovan\u00e9 nemovitosti), u\u017e sta\u010d\u00ed jenom p\u0159ev\u00e9st pen\u00edze na \u017eadatel\u016fv \u00fa\u010det, co\u017e se zvl\u00e1dne do \u010dty\u0159iadvaceti hodin od schv\u00e1len\u00ed a v p\u0159\u00edpad\u011b pot\u0159eby i d\u0159\u00edve, a akceptovat podm\u00ednky spl\u00e1cen\u00ed, je\u017e m\u016f\u017ee b\u00fdt rozlo\u017eeno na dobu od jednoho a\u017e do t\u0159iceti let. Tak jednoduch\u00e9 to je. Ani jeden jedin\u00fd h\u00e1\u010dek v tom nenajdete. A tak je vlastn\u011b u\u017e jenom na v\u00e1s, vyu\u017eijete-li tuto mo\u017enost i vy.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze i za dru\u017estevn\u00ed byt","item":"https:\/\/www.popgom.cz\/penize-i-za-druzstevni-byt\/#breadcrumbitem"}]}]