[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ha-ro.cz\/protoze-mate-nizky-prijem-pro-pujcku-od-banky\/#Article","mainEntityOfPage":"https:\/\/www.ha-ro.cz\/protoze-mate-nizky-prijem-pro-pujcku-od-banky\/","headline":"Proto\u017ee m\u00e1te n\u00edzk\u00fd p\u0159\u00edjem pro p\u016fj\u010dku od banky?","name":"Proto\u017ee m\u00e1te n\u00edzk\u00fd p\u0159\u00edjem pro p\u016fj\u010dku od banky?","description":"Ano, je to tak. Bankovn\u00ed \u00fastavy mohou m\u00edt d\u016fvod\u016f k va\u0161emu odm\u00edtnut\u00ed v\u00edce, nejen to, \u017ee je...","datePublished":"2020-05-17","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.ha-ro.cz\/author\/#Person","name":"","url":"https:\/\/www.ha-ro.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ha-ro.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ha-ro.cz\/wp-content\/uploads\/chata%20pro%20ryb%C3%A1%C5%99e.jpg","url":"https:\/\/www.ha-ro.cz\/wp-content\/uploads\/chata%20pro%20ryb%C3%A1%C5%99e.jpg","height":0,"width":0},"url":"https:\/\/www.ha-ro.cz\/protoze-mate-nizky-prijem-pro-pujcku-od-banky\/","about":["Ekonomika"],"wordCount":413,"articleBody":"   Ano, je to tak. Bankovn\u00ed \u00fastavy mohou m\u00edt d\u016fvod\u016f k va\u0161emu odm\u00edtnut\u00ed v\u00edce, nejen to, \u017ee je v\u00e1\u0161 p\u0159\u00edjem pro ni n\u00edzk\u00fd. Podle z\u00e1znam\u016f v registrech nap\u0159\u00edklad mohou zjistit, \u017ee jste m\u011bli opo\u017ed\u011bn\u00ed v minulosti s n\u011bjakou spl\u00e1tkou, nebo m\u00e1te i z\u00e1znam v uveden\u00e9m registru, \u017ee jste n\u011bkdy byli dlu\u017en\u00edkem a dokonce tam m\u00e1te z\u00e1znam, \u017ee v\u00e1m hrozilo exeku\u010dn\u00ed \u0159\u00edzen\u00ed. Proto v\u00e1m p\u016fj\u010den\u00ed financ\u00ed neschv\u00e1lila. Co nyn\u00ed, jak\u00fd bude v\u00e1\u0161 dal\u0161\u00ed postup, chaty se jen tak neprod\u00e1vaj\u00ed, v\u011bt\u0161inou se jen p\u0159emis\u0165uj\u00ed v \u0161irok\u00fdch rodin\u00e1ch, je to takov\u00e9 rodinn\u00ed st\u0159\u00edbro. M\u00e1te mo\u017enost a to u nebankovn\u00ed spole\u010dnosti, kde m\u016f\u017eete po\u017e\u00e1dat o americkou hypot\u00e9ku nebankovn\u00ed americka-hypoteka-nebankovni.cz. U t\u00e9to nebankovn\u00ed spole\u010dnosti sta\u010d\u00ed jen to, \u017ee jste schopni p\u016fj\u010dku, tedy vlastn\u011b hypot\u00e9ku, i kdy\u017e m\u00e1te podle banky n\u00edzk\u00fd p\u0159\u00edjem, spl\u00e1cet. A nikoho u t\u00e9to spole\u010dnosti nebude tak\u00e9 zaj\u00edmat, na co konkr\u00e9tn\u011b p\u016fj\u010den\u00e9 pen\u00edze budete pot\u0159ebovat. Je zde nutn\u00e9 upozornit, \u017ee se bankovn\u00ed i nebankovn\u00ed spole\u010dnosti, u obou je to stejn\u00e9, jist\u00ed va\u0161\u00edm spl\u00e1cen\u00edm t\u00edm, \u017ee mus\u00edte d\u00e1t do z\u00e1stavy nemovitost, nap\u0159\u00edklad byt, nebo i gar\u00e1\u017e. Nemus\u00edte m\u00edt n\u011bjak\u00e9 obavy, je to dan\u00e9 z\u00e1kony a nav\u00edc nad \u010dinnost\u00ed obou uveden\u00fdch spole\u010dnost\u00ed db\u00e1 sv\u00fdm dozorem \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Tak\u00e9 m\u016f\u017eete p\u016fj\u010den\u00e9 finance spl\u00e1cet a\u017e t\u0159icet let, co\u017e je dost dlouh\u00e1 doba. Nemovitost, kterou d\u00e1te do ru\u010den\u00ed, nemus\u00ed b\u00fdt ani va\u0161e, m\u016f\u017ee b\u00fdt i od t\u0159et\u00ed osoby, nap\u0159\u00edklad od n\u011bkoho z va\u0161\u00ed rodiny. Samoz\u0159ejm\u011b, \u017ee odhad t\u00e9to nemovitosti, kter\u00e1 je dan\u00e1 do z\u00e1stavy neplat\u00edte. A\u017e pot\u00e9 splat\u00edte schv\u00e1lenou hypot\u00e9ku, je nemovitost, kter\u00e1 byla dan\u00e1 do z\u00e1stavy uveden\u00e9ho ru\u010den\u00ed zbaven\u00e1. Tak\u017ee d\u00edky hypot\u00e9ce od nebankovn\u00ed spole\u010dnosti, kterou m\u016f\u017eete spl\u00e1cet a\u017e dlouh\u00fdch t\u0159icet let, m\u016f\u017eete m\u00edt svou vysn\u011bnou chatu v n\u00e1dhern\u00e9m m\u00edst\u011b u vody, m\u016f\u017eete se v\u011bnovat v klidu ryba\u0159en\u00ed a va\u0161e rodina vytou\u017een\u00fdm vodn\u00edm sport\u016fm.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Proto\u017ee m\u00e1te n\u00edzk\u00fd p\u0159\u00edjem pro p\u016fj\u010dku od banky?","item":"https:\/\/www.ha-ro.cz\/protoze-mate-nizky-prijem-pro-pujcku-od-banky\/#breadcrumbitem"}]}]