[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.checkit.cz\/nekde-pujci-nekde-ne\/#Article","mainEntityOfPage":"https:\/\/www.checkit.cz\/nekde-pujci-nekde-ne\/","headline":"N\u011bkde p\u016fj\u010d\u00ed, n\u011bkde ne","name":"N\u011bkde p\u016fj\u010d\u00ed, n\u011bkde ne","description":"P\u016fj\u010dku u n\u00e1s pot\u0159ebuje \u010das od \u010dasu nejsp\u00ed\u0161e ka\u017ed\u00fd. N\u011bkdo proto, aby si po\u0159\u00eddil sv\u00e9 vlastn\u00ed bydlen\u00ed, n\u011bkdo proto, aby si ho zvelebil, n\u011bkdo pot\u0159ebuje kapit\u00e1l pro rozjezd nebo z\u00e1chranu vlastn\u00edho podnik\u00e1n\u00ed a n\u011bkdo t\u0159eba na n\u011bco z cel\u00e9 \u0159ady dal\u0161\u00edch d\u016fvod\u016f. \u010clov\u011bk si tak nejednou v duchu a mo\u017en\u00e1 nejen v duchu \u0159ekne, \u017ee on je p\u0159ece spolehliv\u00fd, \u017ee […]","datePublished":"2019-03-24","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.checkit.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.checkit.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"checkit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.checkit.cz\/wp-content\/uploads\/img_a340574_w2289_t1553514498.jpg","url":"https:\/\/www.checkit.cz\/wp-content\/uploads\/img_a340574_w2289_t1553514498.jpg","height":0,"width":0},"url":"https:\/\/www.checkit.cz\/nekde-pujci-nekde-ne\/","wordCount":572,"articleBody":" P\u016fj\u010dku u n\u00e1s pot\u0159ebuje \u010das od \u010dasu nejsp\u00ed\u0161e ka\u017ed\u00fd. N\u011bkdo proto, aby si po\u0159\u00eddil sv\u00e9 vlastn\u00ed bydlen\u00ed, n\u011bkdo proto, aby si ho zvelebil, n\u011bkdo pot\u0159ebuje kapit\u00e1l pro rozjezd nebo z\u00e1chranu vlastn\u00edho podnik\u00e1n\u00ed a n\u011bkdo t\u0159eba na n\u011bco z cel\u00e9 \u0159ady dal\u0161\u00edch d\u016fvod\u016f. \u010clov\u011bk si tak nejednou v duchu a mo\u017en\u00e1 nejen v duchu \u0159ekne, \u017ee on je p\u0159ece spolehliv\u00fd, \u017ee jsou jeho \u00famysly \u010dist\u00e9 a je si jist, \u017ee na tom bude dob\u0159e a proto nen\u00ed d\u016fvod, pro\u010d si nep\u016fj\u010dit. A zam\u00ed\u0159\u00ed do banky. Jen\u017ee banka jeho p\u0159esv\u011bd\u010den\u00ed nejednou nesd\u00edl\u00ed. Nem\u00e1 ho prokouknut\u00e9ho a proto mu ned\u016fv\u011b\u0159uje ani tehdy, kdy\u017e by mu d\u016fv\u011b\u0159ovat mohla. A tak se na podobn\u00e9ho \u017eadatele nahrne cel\u00e1 hora \u00fakol\u016f, kter\u00e9 je pot\u0159eba splnit, m\u00e1-li m\u00edt nad\u011bji na z\u00edsk\u00e1n\u00ed n\u011bjak\u00e9 t\u00e9 p\u016fj\u010dky. Mus\u00ed dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy, mus\u00ed poskytnout garanci, \u017ee se jeho dostate\u010dn\u00e9 p\u0159\u00edjmy v dohledn\u00e9 dob\u011b nerozplynou jako p\u00e1ra nad hrncem, mus\u00ed prok\u00e1zat, na co \u017ee ty p\u016fj\u010den\u00e9 pen\u00edze vlastn\u011b pot\u0159ebuje. A bank\u00e9\u0159i se rovn\u011b\u017e p\u00edd\u00ed, zda doty\u010dn\u00fd \u017eadatel nen\u00ed zadlu\u017een u\u017e i jinde \u010di zda nem\u00e1 n\u011bjak\u00e9 ty z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. Je toho spousta, co banka vy\u017eaduje. A sebemen\u0161\u00ed probl\u00e9m nebo i pouze domn\u011bl\u00fd probl\u00e9m m\u016f\u017ee v\u00e9st k definitivn\u00edmu zam\u00edtnut\u00ed takov\u00e9 \u017e\u00e1dosti. A co m\u00e1te d\u011blat, ocitnete-li se na m\u00edst\u011b takov\u00e9ho odm\u00edtnut\u00e9ho \u017eadatele? Nev\u00e1hejte a . Na rozd\u00edl od bank toti\u017e nejsou nebankovn\u00ed spole\u010dnosti zase a\u017e tak cimprlich, nemaj\u00ed zase a\u017e tak p\u0159\u00edsn\u00e1 a striktn\u011b dan\u00e1 pravidla. A tud\u00ed\u017e tu m\u016f\u017ee usp\u011bt i ten, kdo u\u017e m\u00e1 n\u011bjak\u00fd ten h\u0159\u00edch z minulosti, kdo u\u017e n\u011bkdy klop\u00fdtnul a nyn\u00ed mo\u017en\u00e1 u\u017e skute\u010dn\u011b nev\u00ed kudy kam. Tady se nikdo zase a\u017e tak moc nezaj\u00edm\u00e1 o to, jak\u00e9 jsou \u017eadatelovy p\u0159\u00edjmy, v\u00fdznamnou roli tu nesehr\u00e1vaj\u00ed ani ony neblah\u00e9 z\u00e1znamy v registru dlu\u017en\u00edk\u016f ani jin\u00e1 p\u0159\u00edpadn\u00e1 negativa. Tady se \u010dlov\u011bku daleko v\u00edce d\u016fv\u011b\u0159uje a je tak daleko pravd\u011bpodobn\u011bj\u0161\u00ed, \u017ee se tak \u017eadatel pot\u0159ebn\u00fdch pen\u011bz i do\u010dk\u00e1. A to klidn\u011b i za podm\u00ednek srovnateln\u00fdch s t\u011bmi, je\u017e se nab\u00edzej\u00ed v klasick\u00fdch bank\u00e1ch Jist\u011b, nebankovn\u00ed spole\u010dnosti t\u00edm podstupuj\u00ed pon\u011bkud vy\u0161\u0161\u00ed riziko a tud\u00ed\u017e mus\u00ed \u017e\u00e1dat i o n\u011bco vy\u0161\u0161\u00ed \u00faroky, jen\u017ee i tak jsou jejich nab\u00eddky vesm\u011bs pom\u011brn\u011b v\u00fdhodn\u00e9. A to zejm\u00e9na tehdy, zaru\u010d\u00ed-li se takov\u00fd \u017eadatel za p\u016fj\u010den\u00e9 pen\u00edze vlastn\u00ed nemovitost\u00ed. Proto\u017ee ta nebankovn\u00ed spole\u010dnosti jako z\u00e1ruka pln\u011b dosta\u010duje a nen\u00ed tak d\u016fvod d\u011blat dal\u0161\u00ed obstrukce. A \u010dlov\u011bk si tak p\u0159ijde na sv\u00e9. M\u016f\u017ee si tu p\u016fj\u010dit. Ov\u0161em ka\u017edop\u00e1dn\u011b by si m\u011bl u\u017e p\u0159edem spo\u010d\u00edtat, zda bude schopen dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm. Aby nakonec kv\u016fli \u201avelk\u00fdm o\u010d\u00edm\u2018 o onu nemovitost kv\u016fli nespl\u00e1cen\u00ed nep\u0159i\u0161el.                                                                                                                                                                                                                                                                                                                                                                                         4.1\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u011bkde p\u016fj\u010d\u00ed, n\u011bkde ne","item":"https:\/\/www.checkit.cz\/nekde-pujci-nekde-ne\/#breadcrumbitem"}]}]