[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.clzt.cz\/k-ziskani-pujcky-vam-staci-mene-nez-si-mozna-myslite-kam-se-obratit-i-kdyz-mate-nizke-prijmy\/#Article","mainEntityOfPage":"https:\/\/www.clzt.cz\/k-ziskani-pujcky-vam-staci-mene-nez-si-mozna-myslite-kam-se-obratit-i-kdyz-mate-nizke-prijmy\/","headline":"K z\u00edsk\u00e1n\u00ed p\u016fj\u010dky v\u00e1m sta\u010d\u00ed m\u00e9n\u011b, ne\u017e si mo\u017en\u00e1 mysl\u00edte. Kam se obr\u00e1tit, i kdy\u017e m\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy?","name":"K z\u00edsk\u00e1n\u00ed p\u016fj\u010dky v\u00e1m sta\u010d\u00ed m\u00e9n\u011b, ne\u017e si mo\u017en\u00e1 mysl\u00edte. Kam se obr\u00e1tit, i kdy\u017e m\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy?","description":"Pot\u0159ebujete sehnat tu nejlep\u0161\u00ed p\u016fj\u010dku, ale nem\u00e1te p\u0159\u00edli\u0161 vysok\u00e9 p\u0159\u00edjmy a boj\u00edte se, \u017ee v\u00e1s proto odm\u00edtnou? Banky mo\u017en\u00e1, ale nebankovn\u00ed spole\u010dnosti ne. K z\u00edsk\u00e1n\u00ed p\u016fj\u010dky v\u00e1m sta\u010d\u00ed m\u00e9n\u011b, ne\u017e si mo\u017en\u00e1 mysl\u00edte. Kam se obr\u00e1tit, i kdy\u017e m\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy? K \u017e\u00e1dosti o p\u016fj\u010dku je t\u0159eba dolo\u017eit i v\u00fd\u0161i p\u0159\u00edjm\u016f, co\u017e b\u00fdv\u00e1 to hlavn\u00ed, […]","datePublished":"2021-12-11","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.clzt.cz\/author\/#Person","name":"","url":"https:\/\/www.clzt.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"clzt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.clzt.cz\/wp-content\/uploads\/pexels-photo-3760514.jpeg","url":"https:\/\/www.clzt.cz\/wp-content\/uploads\/pexels-photo-3760514.jpeg","height":0,"width":0},"url":"https:\/\/www.clzt.cz\/k-ziskani-pujcky-vam-staci-mene-nez-si-mozna-myslite-kam-se-obratit-i-kdyz-mate-nizke-prijmy\/","about":["Ekonomika"],"wordCount":545,"articleBody":"         Pot\u0159ebujete sehnat tu nejlep\u0161\u00ed p\u016fj\u010dku, ale nem\u00e1te p\u0159\u00edli\u0161 vysok\u00e9 p\u0159\u00edjmy a boj\u00edte se, \u017ee v\u00e1s proto odm\u00edtnou? Banky mo\u017en\u00e1, ale nebankovn\u00ed spole\u010dnosti ne. K z\u00edsk\u00e1n\u00ed p\u016fj\u010dky v\u00e1m sta\u010d\u00ed m\u00e9n\u011b, ne\u017e si mo\u017en\u00e1 mysl\u00edte. Kam se obr\u00e1tit, i kdy\u017e m\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy? K \u017e\u00e1dosti o p\u016fj\u010dku je t\u0159eba dolo\u017eit i v\u00fd\u0161i p\u0159\u00edjm\u016f, co\u017e b\u00fdv\u00e1 to hlavn\u00ed, co zaj\u00edm\u00e1 banky, p\u0159i vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti. M\u00edt dostate\u010dn\u00e9 p\u0159\u00edjmy ale je\u0161t\u011b st\u00e1le neznamen\u00e1, \u017ee p\u016fj\u010dku skute\u010dn\u011b m\u016f\u017eete dostat, samoz\u0159ejmost\u00ed je tak\u00e9 to, \u017ee \u017eadatel nedlu\u017e\u00ed pen\u00edze u\u017e n\u011bkde jinde, jin\u00e9 spole\u010dnosti \u010di bance a instituc\u00edm. P\u0159ijde v\u00e1m, \u017ee tyhle podm\u00ednky prost\u011b nem\u016f\u017eete nikdy splnit a na p\u016fj\u010dku tak v budoucnu nem\u00e1te \u0161anci dos\u00e1hnout, i kdybyste se snad rozkr\u00e1jeli a pracovali od r\u00e1na do ve\u010dera? M\u016f\u017eete se zaru\u010dit nemovitost\u00ed, pak p\u016fj\u010dku dostanete bez jak\u00fdchkoliv dal\u0161\u00edch podm\u00ednek. Je to ale opravdu tak snadn\u00e9? Jak naj\u00edt v\u00fdhodnou p\u016fj\u010dku? P\u016fj\u010dky dnes nenab\u00edzej\u00ed jen banky, jsou tu i nebankovn\u00ed spole\u010dnosti, t\u011bch je ale velk\u00e1 spousta a naj\u00edt v\u00fdhodou p\u016fj\u010dku je st\u00e1le t\u011b\u017e\u0161\u00ed. Na vin\u011b jsou nejen nejr\u016fzn\u011bj\u0161\u00ed podm\u00ednky, ale hlavn\u011b v\u00fd\u0161e \u00farok\u016f. Nikdo nechce p\u0159epl\u00e1cet moc, co\u017e je probl\u00e9m, u bank je toti\u017e v\u00fd\u0161e \u00faroku obvykle nejni\u017e\u0161\u00ed, a i pr\u00e1v\u011b proto si banky kladou n\u011bkdy tak nesplniteln\u00e9 n\u00e1roky na schv\u00e1len\u00ed \u00fav\u011bru. P\u016fj\u010dka oproti z\u00e1stav\u011b nemovitosti je ur\u010dena pro v\u0161echny \u017eadatele o p\u016fj\u010dku, tak\u017ee se nemus\u00edte ob\u00e1vat odm\u00edtnut\u00ed jako pr\u00e1v\u011b v bance. Na p\u0159ek\u00e1\u017eku v tomto p\u0159\u00edpad\u011b nejsou ani n\u00edzk\u00e9 p\u0159\u00edjmy, ani jin\u00e9 dluhy nebo exekuce, ba ani insolvence. Co tedy pot\u0159ebujete? Pot\u0159ebujete z\u00e1ruku, z\u00e1ruku v podob\u011b nemovitosti, kter\u00e1 by m\u011bla pat\u0159it v\u00e1m nebo t\u0159et\u00ed osob\u011b, kter\u00e1 tuhle z\u00e1ruku poskytne m\u00edsto v\u00e1s. I to je \u0159e\u0161en\u00ed. Nev\u011b\u0159\u00edte? Mile budete p\u0159ekvapeni! P\u016fj\u010dka je velk\u00fdm z\u00e1vazkem, je tedy dobr\u00e9 nejprve zv\u00e1\u017eit, zda je opravdu nutn\u00e9 si pen\u00edze p\u016fj\u010dovat, pokud to jinak nejde, je t\u0159eba vybrat opravdu dobrou spole\u010dnost nab\u00edzej\u00edc\u00ed v\u00fdhodn\u00ed podm\u00ednky. Tyto podm\u00ednky mus\u00edte ale b\u00fdt schopni splnit, co\u017e se t\u00fdk\u00e1 zejm\u00e9na spl\u00e1cen\u00ed. Pokud st\u00e1le nev\u011b\u0159\u00edte, \u017ee opravdu m\u016f\u017eete z\u00edskat p\u016fj\u010dku tak lehce a ob\u00e1v\u00e1te se skryt\u00fdch z\u00e1drhel\u016f, kter\u00e9 v\u00e1m jednou zlom\u00ed vaz, bu\u010fte v klidu. \u00dav\u011bry, kdy se jako z\u00e1stava vyu\u017e\u00edv\u00e1 nemovitost, jsou dnes u\u017e hodn\u011b zn\u00e1m\u00e9 a ur\u010dit\u011b nejde o skryt\u00fd podvod. Pokud pak zvol\u00edte nap\u0159\u00edklad americkou hypot\u00e9ku, kde jsou podm\u00ednky pro \u00fav\u011br nastaveny stejn\u011b, m\u016f\u017eete m\u00edt i p\u0159ijatelnou v\u00fd\u0161i \u00faroku. Ur\u010dit\u011b neprod\u011bl\u00e1te.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"K z\u00edsk\u00e1n\u00ed p\u016fj\u010dky v\u00e1m sta\u010d\u00ed m\u00e9n\u011b, ne\u017e si mo\u017en\u00e1 mysl\u00edte. 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