[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.colibra.cz\/proc-hledat-poskytovatele-pujcek-v-nebankovnim-sektoru\/#Article","mainEntityOfPage":"https:\/\/www.colibra.cz\/proc-hledat-poskytovatele-pujcek-v-nebankovnim-sektoru\/","headline":"Pro\u010d hledat poskytovatele p\u016fj\u010dek v nebankovn\u00edm sektoru?","name":"Pro\u010d hledat poskytovatele p\u016fj\u010dek v nebankovn\u00edm sektoru?","description":"Po dlouh\u00e1 l\u00e9ta si nebankovn\u00ed p\u016fj\u010dky dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch a p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Pro mnoh\u00e9 jsou ale tak\u00e9 mo\u017en\u00e1 … ","datePublished":"2021-03-16","dateModified":"2021-03-16","author":{"@type":"Person","@id":"https:\/\/www.colibra.cz\/author\/#Person","name":"","url":"https:\/\/www.colibra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d81a95b988e562d8ac0fc1eb5578e43f924bf78e85c5259f0dcab44a306610fa?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"colibra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.colibra.cz\/wp-content\/uploads\/pracovn%C3%AD%20dohoda_3.jpg","url":"https:\/\/www.colibra.cz\/wp-content\/uploads\/pracovn%C3%AD%20dohoda_3.jpg","height":0,"width":0},"url":"https:\/\/www.colibra.cz\/proc-hledat-poskytovatele-pujcek-v-nebankovnim-sektoru\/","about":["Online"],"wordCount":422,"articleBody":"   Po dlouh\u00e1 l\u00e9ta si nebankovn\u00ed p\u016fj\u010dky dr\u017eely pov\u011bst coby nev\u00fdhodn\u00fdch a p\u0159edra\u017een\u00fdch \u00fav\u011brov\u00fdch produkt\u016f. Pro mnoh\u00e9 jsou ale tak\u00e9 mo\u017en\u00e1 jedinou mo\u017enost\u00ed, jak ut\u00e9ct p\u0159ed dluhovou past\u00ed. Ka\u017ed\u00fd m\u00e1 na nebankovn\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f sv\u016fj n\u00e1zor, mo\u017en\u00e1 v\u00e1s ale p\u0159ekvap\u00ed, jak dok\u00e1\u017eou b\u00fdt nebankovn\u00ed p\u016fj\u010dky v\u00fdhodn\u00e9. S \u00fav\u011brov\u00fdmi produkty m\u00e1 dle v\u00fdzkum\u016f zku\u0161enost ka\u017ed\u00fd druh\u00fd \u010cech. A i kdy\u017e je v sou\u010dasn\u00e9 dob\u011b na trhu p\u0159ebytek likvidity a banky bojuj\u00ed o ka\u017ed\u00e9ho nov\u00e9ho klienta, ne\u00fasp\u011b\u0161n\u00fdch \u017e\u00e1dost\u00ed o \u00fav\u011br neust\u00e1le p\u0159ib\u00fdv\u00e1. Pro\u010d je tomu tak? Mohou za to hlavn\u011b p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011brov\u00fdch produkt\u016f ze strany bank, ale tak\u00e9 novela z\u00e1kona o spot\u0159ebitelsk\u00fdch \u00fav\u011brech z prosince 2016. \u010cNB v\u0161em poskytovatel\u016fm bankovn\u00edch \u00fav\u011br\u016f p\u0159ikazuje \u017eadatele n\u00e1le\u017eit\u011b prov\u011b\u0159it. Zjistit jejich bonitu a schopnost spl\u00e1cet. Mnoho lid\u00ed tak t\u00edmto s\u00edtem nakonec neprojde a odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou. Je\u0161t\u011b p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky \u010dekaj\u00ed \u017eadatele p\u0159i cest\u011b za hypote\u010dn\u00edm \u00fav\u011brem. Podle nov\u00fdch podm\u00ednek je zapot\u0159eb\u00ed financovat alespo\u0148 30% z celkov\u00e9 ceny nemovitosti z vlastn\u00edch zdroj\u016f. Pokud \u017eadatel k dispozici pot\u0159ebn\u00e9 finance nem\u00e1, mus\u00ed se s hypote\u010dn\u00edm \u00fav\u011brem rozlou\u010dit, p\u0159\u00edpadn\u011b si vz\u00edt je\u0161t\u011b spot\u0159ebitelsk\u00fd \u00fav\u011br ve v\u00fd\u0161i 30% ze z\u00e1stavn\u00ed hodnoty nemovitosti. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016fNa\u0161e finan\u010dn\u00ed zodpov\u011bdnost je pravideln\u011b zaznamen\u00e1v\u00e1na hned v n\u011bkolika registrech dlu\u017en\u00edk\u016f. Pokud ve\u0161ker\u00e9 z\u00e1vazky spl\u00e1c\u00edme v\u010das, z\u00edsk\u00e1v\u00e1me plusov\u00e9 body, kter\u00e9 mohou hr\u00e1t v n\u00e1\u0161 prosp\u011bch p\u0159i \u017e\u00e1dosti o \u00fav\u011br v bance. Pokud jsme se n\u011bkdy v minulosti dostali do situace, kdy nebylo mo\u017en\u00e9 dost\u00e1t na\u0161im z\u00e1vazk\u016fm, \u010dek\u00e1 n\u00e1s v bance nemil\u00e9 p\u0159ekvapen\u00ed. Nen\u00ed v\u0161ak pot\u0159eba zoufat, \u0159ada nebankovn\u00edch spole\u010dnost\u00ed nab\u00edz\u00ed hypot\u00e9ku bez registru, kter\u00e1 je v tomto ohledu k \u017eadatel\u016fm daleko p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed. Mnoho spole\u010dnost\u00ed v nebankovn\u00edm sektoru do registru v\u016fbec nenahl\u00ed\u017e\u00ed, p\u0159\u00edpadn\u011b neberou negativn\u00ed z\u00e1znam v registrech jako d\u016fvod k zam\u00edtnut\u00ed \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d hledat poskytovatele p\u016fj\u010dek v nebankovn\u00edm sektoru?","item":"https:\/\/www.colibra.cz\/proc-hledat-poskytovatele-pujcek-v-nebankovnim-sektoru\/#breadcrumbitem"}]}]