[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.anel.cz\/kdy-do-banky-ani-nechodit\/#Article","mainEntityOfPage":"https:\/\/www.anel.cz\/kdy-do-banky-ani-nechodit\/","headline":"Kdy do banky ani nechodit","name":"Kdy do banky ani nechodit","description":"Neust\u00e1l\u00e9 zdra\u017eov\u00e1n\u00ed tr\u00e1p\u00ed \u010d\u00edm d\u00e1l v\u011bt\u0161\u00ed procento lid\u00ed. V\u00fdjimkou pak nejsou ani ti, kte\u0159\u00ed se b\u011bhem p\u00e1r m\u011bs\u00edc\u016f propadli z pozice st\u0159edn\u00ed t\u0159\u00eddy k hranici chudoby. Co ale v takov\u00e9 situaci d\u011blat? A poskytne v\u00e1m v\u016fbec banka \u00fav\u011br? Banky obvykle nemaj\u00ed probl\u00e9m poskytnout \u00fav\u011br klient\u016fm, kte\u0159\u00ed maj\u00ed trval\u00e9 a pravideln\u00e9 p\u0159\u00edjmy. Pro takov\u00e9 jsou zde […]","datePublished":"2022-06-18","dateModified":"2022-06-18","author":{"@type":"Person","@id":"https:\/\/www.anel.cz\/author\/#Person","name":"","url":"https:\/\/www.anel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"anel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.anel.cz\/wp-content\/uploads\/ec-cash-1750490_640.jpg","url":"https:\/\/www.anel.cz\/wp-content\/uploads\/ec-cash-1750490_640.jpg","height":0,"width":0},"url":"https:\/\/www.anel.cz\/kdy-do-banky-ani-nechodit\/","about":["Finance"],"wordCount":459,"articleBody":"       Neust\u00e1l\u00e9 zdra\u017eov\u00e1n\u00ed tr\u00e1p\u00ed \u010d\u00edm d\u00e1l v\u011bt\u0161\u00ed procento lid\u00ed. V\u00fdjimkou pak nejsou ani ti, kte\u0159\u00ed se b\u011bhem p\u00e1r m\u011bs\u00edc\u016f propadli z pozice st\u0159edn\u00ed t\u0159\u00eddy k hranici chudoby. Co ale v takov\u00e9 situaci d\u011blat? A poskytne v\u00e1m v\u016fbec banka \u00fav\u011br?Banky obvykle nemaj\u00ed probl\u00e9m poskytnout \u00fav\u011br klient\u016fm, kte\u0159\u00ed maj\u00ed trval\u00e9 a pravideln\u00e9 p\u0159\u00edjmy. Pro takov\u00e9 jsou zde pak i nachystan\u00e9 p\u0159edschv\u00e1len\u00e9 \u00fav\u011bry. Co v\u0161ak d\u011blat v p\u0159\u00edpad\u011b, \u017ee pot\u0159ebuje \u00fav\u011br ve vy\u0161\u0161\u00ed \u010d\u00e1stce, tedy sp\u00ed\u0161 americkou hypot\u00e9ku, ale nejste si jist\u00ed, zda v\u00e1m ji banka bude ochotn\u00e1 poskytnout.Kdy to ani nezkou\u0161etZ\u00edskat hypot\u00e9ku u banky nen\u00ed v\u016fbec snadn\u00e9. Pro z\u00edsk\u00e1n\u00ed milionov\u00e9 p\u016fj\u010dky, a to m\u016f\u017eeme hovo\u0159it t\u0159eba jen o t\u0159ech milionech na koupi nemovitosti, mus\u00ed b\u00fdt va\u0161e p\u0159\u00edjmy skute\u010dn\u011b nadstandardn\u00ed. Mo\u017en\u00e1 m\u00e1te pocit, \u017ee kdy\u017e vyd\u011bl\u00e1v\u00e1te v\u00edce, ne\u017e va\u0161i zn\u00e1m\u00ed, tedy okolo t\u0159iceti tis\u00edc \u010dist\u00e9ho, a va\u0161e nutn\u00e9 v\u00fddaje vych\u00e1z\u00ed asi na dv\u011b t\u0159etiny, zb\u00fdv\u00e1 v\u00e1m dostatek na placen\u00ed \u00fav\u011bru, a banka by v\u00e1m jej m\u011bla poskytnout. To se ov\u0161em m\u00fdl\u00edte. Krit\u00e9ria banky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru jsou toti\u017e \u00fapln\u011b n\u011bkde jindy, a nem\u00e1te-li p\u0159\u00edjmy jako v\u00e1\u0161 zam\u011bstnavatel, nejsp\u00ed\u0161 na hypot\u00e9ku v bance v\u016fbec nedos\u00e1hnete. Stejn\u011b tak pak plat\u00ed, \u017ee pokud m\u00e1te z minulosti rest v podob\u011b opo\u017ed\u011bn\u00e9 spl\u00e1tky, kter\u00fd se objevuje jako z\u00e1znam ve va\u0161em registru, jste pro banku jako\u017eto \u017eadatel ne\u017e\u00e1douc\u00ed. V takov\u00fdch p\u0159\u00edpadech se ani nevyplat\u00ed to v bance zkou\u0161et, jeliko\u017e naraz\u00edte jen na pohledy shora, s\u00e1hodlouh\u00e9 vy\u0159izov\u00e1n\u00ed n\u011b\u010deho, co nikdy nedostanete, a ztrat\u00edte tak jak spoustu \u010dasu, tak i sebev\u011bdom\u00ed. Kam se obr\u00e1tit?V takov\u00e9m p\u0159\u00edpad\u011b je nejlep\u0161\u00ed rovnou se obr\u00e1tit na nebankovn\u00ed spole\u010dnost. V\u011bt\u0161ina lid\u00ed to d\u011bl\u00e1 hned pot\u00e9, co poho\u0159\u00ed v bance, av\u0161ak se ztr\u00e1tou \u010dasu, kter\u00e9ho m\u00e1te tak m\u00e1lo. Nebankovn\u00ed spole\u010dnosti pak nab\u00edzej\u00ed nebankovn\u00ed hypot\u00e9ky zn\u00e1m\u00e9 tak\u00e9 jako americk\u00e9, kter\u00e9 lze vyu\u017e\u00edt bez dokl\u00e1d\u00e1n\u00ed \u00fa\u010delu, tedy na koupi nemovitosti, rekonstrukci, ale i \u0159e\u0161en\u00ed dluh\u016f, exekuc\u00ed, a jin\u00e9. Zat\u00edmco v bance \u0161anci nem\u00e1te, zde rozhodn\u011b ano. Pokus\u00ed se v\u00e1m navrhnout \u00fav\u011br na m\u00edru, tak abyste jej dok\u00e1zali spl\u00e1cet, a v\u017edy v\u00e1m vyjdou vst\u0159\u00edc.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy do banky ani nechodit","item":"https:\/\/www.anel.cz\/kdy-do-banky-ani-nechodit\/#breadcrumbitem"}]}]