[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.clzt.cz\/lakava-nabidka-ktera-se-muze-zvrtnout\/#Article","mainEntityOfPage":"https:\/\/www.clzt.cz\/lakava-nabidka-ktera-se-muze-zvrtnout\/","headline":"L\u00e1kav\u00e1 nab\u00eddka, kter\u00e1 se m\u016f\u017ee zvrtnout","name":"L\u00e1kav\u00e1 nab\u00eddka, kter\u00e1 se m\u016f\u017ee zvrtnout","description":"P\u016fj\u010dky dnes slou\u017e\u00ed kdekomu ke kde\u010demu. Nem\u016f\u017eeme se tedy divit, \u017ee vznikaj\u00ed nejr\u016fzn\u011bj\u0161\u00ed pochybn\u00e9 spole\u010dnosti, kter\u00e9 n\u00e1m p\u016fj\u010dku ochotn\u011b poskytnout. Nenechte se v\u0161ak zl\u00e1kat, ne ka\u017ed\u00e1 p\u016fj\u010dka je v\u00fdhodn\u00e1, a ne ka\u017edou se n\u00e1m poda\u0159\u00ed splatit. Pokud vyu\u017eijeme spole\u010dnost\u00ed, kter\u00e9 nab\u00edzej\u00ed tzv. rychlou p\u016fj\u010dku \u010dasto se m\u016f\u017eeme dostat do velk\u00fdch pot\u00ed\u017e\u00ed. M\u00edra \u00faro\u010den\u00ed je mnohdy […]","datePublished":"2018-06-12","dateModified":"2018-06-12","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\/img_a321313_w2571_t1532588488.jpg","url":"https:\/\/www.clzt.cz\/wp-content\/uploads\/img_a321313_w2571_t1532588488.jpg","height":0,"width":0},"url":"https:\/\/www.clzt.cz\/lakava-nabidka-ktera-se-muze-zvrtnout\/","wordCount":445,"articleBody":"P\u016fj\u010dky dnes slou\u017e\u00ed kdekomu ke kde\u010demu. Nem\u016f\u017eeme se tedy divit, \u017ee vznikaj\u00ed nejr\u016fzn\u011bj\u0161\u00ed pochybn\u00e9 spole\u010dnosti, kter\u00e9 n\u00e1m p\u016fj\u010dku ochotn\u011b poskytnout. Nenechte se v\u0161ak zl\u00e1kat, ne ka\u017ed\u00e1 p\u016fj\u010dka je v\u00fdhodn\u00e1, a ne ka\u017edou se n\u00e1m poda\u0159\u00ed splatit. Pokud vyu\u017eijeme spole\u010dnost\u00ed, kter\u00e9 nab\u00edzej\u00ed tzv. rychlou p\u016fj\u010dku \u010dasto se m\u016f\u017eeme dostat do velk\u00fdch pot\u00ed\u017e\u00ed. M\u00edra \u00faro\u010den\u00ed je mnohdy tak vysok\u00e1, \u017ee m\u016f\u017eou dos\u00e1hnout hodnoty p\u0159es tis\u00edc procent. To deseti n\u00e1sobn\u011b p\u0159esahuje p\u016fj\u010denou \u010d\u00e1stku. Tyto spole\u010dnosti vyu\u017e\u00edvaj\u00ed finan\u010dn\u00ed negramotnosti u\u017eivatel\u016f a \u201cmal\u00fdch p\u00edsmenek\u201d, kter\u00e9 klient nevid\u00ed. Jestli uva\u017eujeme o stavb\u011b domu m\u011bli bychom se nejd\u0159\u00edve zam\u011b\u0159it na standartn\u00ed hypot\u00e9ku. Ta sice vy\u017eaduje ur\u010dit\u00e1 pravidla, ale vyza\u0159uje jistou m\u00edrou bezpe\u010d\u00ed. Banka n\u00e1m garantuje st\u00e1tem stanov\u00e9 \u00farokov\u00e9 sazby, kter\u00e9 kontroluje institut \u010cNB. Ten stanovuje horn\u00ed hranice sazeb a p\u0159\u00edpadn\u00e9 poru\u0161en\u00ed trest\u00e1 odpov\u00eddaj\u00edc\u00edmi sankcemi. Tud\u00ed\u017e i p\u0159esto, \u017ee banky vy\u017eaduj\u00ed spoustu n\u00e1le\u017eitost\u00ed od klient\u016f p\u0159edstavuj\u00ed to men\u0161\u00ed zlo. Kdy\u017e ov\u0161em nejsme vhodn\u00ed kandid\u00e1ti pro bankovn\u00ed hypot\u00e9ku mus\u00edme se obr\u00e1tit jinam. V r\u00e1mci nebankovn\u00ed sf\u00e9ry zn\u00ed nejrozumn\u011bji americk\u00e1 hypot\u00e9ka . Ta vykazuje n\u011bkter\u00e9 znaky standartn\u00ed hypot\u00e9ky s ur\u010dit\u00fdmi odli\u0161nostmi. Nevy\u017eaduje p\u0159\u00edli\u0161 velk\u00e9 ru\u010den\u00ed bohat\u011b posta\u010d\u00ed m\u00edt ve vlastnictv\u00ed nemovitost nebo nemovitost osoby, kter\u00e1 se za n\u00e1s zaru\u010d\u00ed. Mus\u00edme m\u00edt v\u0161ak na pam\u011bti, \u017ee i p\u0159es dobr\u00fd stav a vysokou hodnotu budovy nez\u00edsk\u00e1me p\u016fj\u010dku ve v\u00fd\u0161i 100 %. D\u00edky koeficient\u016fm, kter\u00e9 si banka sama sestavuje odhaduje hodnotu nemovitosti dle vlastn\u00edch stanov. To kryje banku p\u0159ed p\u0159\u00edpadn\u00fdmi neplati\u010di. Hlavn\u00ed v\u00fdhodou t\u00e9to nebankovn\u00ed p\u016fj\u010dky tkv\u00ed v jej\u00edm vyu\u017eit\u00ed. Pokud si za\u0159\u00edd\u00edme klasickou hypot\u00e9ku budeme bedliv\u011b sledov\u00e1ni p\u0159\u00edslu\u0161n\u00fdmi org\u00e1ny, kter\u00e9 vyhodnocuj\u00ed, zda dan\u00e9 pen\u00edze vyu\u017e\u00edv\u00e1me na p\u0159edem stanoven\u00fd \u00fa\u010del. Pokud se tak nestane m\u016f\u017ee doj\u00edt k okam\u017eit\u00e9mu vypov\u011bzen\u00ed smlouvy, n\u00e1rokov\u00e1n\u00ed vr\u00e1cen\u00ed pen\u011bz a p\u0159\u00edpadn\u00e9 pen\u00e1le.To se v\u00e1m s americkou hypot\u00e9kou st\u00e1t nem\u016f\u017ee. Jako bez\u00fa\u010delovou hypot\u00e9ku je mo\u017en\u00e9 ji vyu\u017e\u00edt na jak\u00fdkoliv \u00fa\u010del bez zbyte\u010dn\u00fdch ot\u00e1zek. Jedinou povinnost\u00ed v r\u00e1mci t\u00e9to p\u016fj\u010dky je ji \u0159\u00e1dn\u011b spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                                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