[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aest.cz\/jak-s-pujckou-neprohloupit\/#Article","mainEntityOfPage":"https:\/\/www.aest.cz\/jak-s-pujckou-neprohloupit\/","headline":"Jak s p\u016fj\u010dkou neprohloupit?","name":"Jak s p\u016fj\u010dkou neprohloupit?","description":"P\u016fj\u010dka m\u016f\u017ee \u010dlov\u011bku usnadnit t\u011b\u017ek\u00e9 \u010dasy, kdy tento nem\u00e1 dejme tomu ani na zaplacen\u00ed toho nejnezbytn\u011bj\u0161\u00edho. Ale je logick\u00e9, \u017ee m\u016f\u017ee tak\u00e9 u\u0161kodit, a to t\u0159eba ve chv\u00edli, kdy m\u00e1 \u010dlov\u011bk velk\u00e9 o\u010di a nakonec si mus\u00ed p\u0159iznat, \u017ee p\u0159est\u0159elil, \u017ee je to nad jeho s\u00edly.Ale i ten, kdo se dr\u017e\u00ed maxim\u00e1ln\u011b p\u0159i zemi, maje...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.aest.cz\/jak-s-pujckou-neprohloupit\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Jak s p\u016fj\u010dkou neprohloupit?&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2020-01-11","dateModified":"2020-01-11","author":{"@type":"Person","@id":"https:\/\/www.aest.cz\/author\/#Person","name":"","url":"https:\/\/www.aest.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aest.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aest.cz\/wp-content\/uploads\/img_a352055_w1697_t1566552654.jpg","url":"https:\/\/www.aest.cz\/wp-content\/uploads\/img_a352055_w1697_t1566552654.jpg","height":0,"width":0},"url":"https:\/\/www.aest.cz\/jak-s-pujckou-neprohloupit\/","about":["Internet"],"wordCount":442,"articleBody":"      P\u016fj\u010dka m\u016f\u017ee \u010dlov\u011bku usnadnit t\u011b\u017ek\u00e9 \u010dasy, kdy tento nem\u00e1 dejme tomu ani na zaplacen\u00ed toho nejnezbytn\u011bj\u0161\u00edho. Ale je logick\u00e9, \u017ee m\u016f\u017ee tak\u00e9 u\u0161kodit, a to t\u0159eba ve chv\u00edli, kdy m\u00e1 \u010dlov\u011bk velk\u00e9 o\u010di a nakonec si mus\u00ed p\u0159iznat, \u017ee p\u0159est\u0159elil, \u017ee je to nad jeho s\u00edly.Ale i ten, kdo se dr\u017e\u00ed maxim\u00e1ln\u011b p\u0159i zemi, maje rozum, by se mohl za jist\u00fdch okolnost\u00ed dostat do pot\u00ed\u017e\u00ed. A proto je rozumn\u00e9, pokud si vybere alespo\u0148 takovou p\u016fj\u010dku, je\u017e mu umo\u017en\u00ed sn\u00ed\u017eit rizika na minimum.Takovou \u0161\u0165astnou volbou m\u016f\u017ee b\u00fdt nap\u0159\u00edklad nebankovn\u00ed hypot\u00e9ka. Tedy typ p\u016fj\u010dky, p\u0159i n\u011bm\u017e sehr\u00e1v\u00e1 hlavn\u00ed \u00falohu \u017eadatelova nemovitost.Doty\u010dn\u00fd se prost\u011b sebere, vypln\u00ed jednoduch\u00fd formul\u00e1\u0159 na internetu plus e-mailem po\u0161le zvolen\u00e9 nebankovn\u00ed spole\u010dnosti n\u011bkolik sn\u00edmk\u016f sv\u00e9 nemovitosti k posouzen\u00ed a m\u00e1 svoji \u00falohu v\u00edcem\u00e9n\u011b spln\u011bnu.Pak toti\u017e p\u0159ich\u00e1z\u00ed ke slovu sama nebankovn\u00ed spole\u010dnost, je\u017e doty\u010dn\u00e9ho \u017eadatele kontaktuje, dohodne se s n\u00edm podrobn\u011b na v\u0161ech detailech, uzav\u0159e s n\u00edm smlouvu a po\u0161le mu po\u017eadovan\u00e9 pen\u00edze na \u00fa\u010det. A to v\u0161e v rekordn\u00edm \u010dase.\u010clov\u011bk si m\u016f\u017ee t\u00edmto zp\u016fsobem p\u0159ij\u00edt a\u017e na sedmdes\u00e1t procent odhadn\u00ed ceny j\u00edm zastaven\u00e9 nemovitosti, ji\u017e sm\u00ed pochopiteln\u011b u\u017e\u00edvat i nad\u00e1le jako doposud, a to mohou b\u00fdt i v\u011bru hezk\u00e9 pen\u00edze. Co\u017e pon\u011bkud kal\u00ed pouze my\u0161lenky na to, \u017ee je tuto p\u016fj\u010dku nezbytn\u00e9 tak\u00e9 vr\u00e1tit, na co\u017e ale m\u016f\u017ee b\u00fdt poskytnuto a\u017e t\u0159icet let, co\u017e je doba natolik dlouh\u00e1, \u017ee sn\u00ed\u017e\u00ed spl\u00e1tky na docela zanedbateln\u00e9 \u010d\u00e1stky, je\u017e zvl\u00e1dne spl\u00e1cet ka\u017ed\u00fd. A pokud by se to uk\u00e1zalo jako moc dlouh\u00e1 doba, je tu pro zm\u011bnu v\u017edy i mo\u017enost splatit v\u0161e bez sankc\u00ed p\u0159ed\u010dasn\u011b.Ale ne\u017e ke splacen\u00ed dojde, m\u016f\u017ee si dlu\u017en\u00edk t\u011bchto pen\u011bz u\u017e\u00edvat dle libosti, m\u016f\u017ee je utratit, za co jenom chce. Klidn\u011b je m\u016f\u017ee pou\u017e\u00edt i na splacen\u00ed jin\u00fdch dluh\u016f a hypot\u00e9k, na refinancov\u00e1n\u00ed a podobn\u011b. To je \u010dist\u011b jeho v\u011bc.A pokud je nakonec v\u0161e \u0159\u00e1dn\u011b splaceno, splnila tato ide\u00e1ln\u00ed p\u016fj\u010dka sv\u016fj \u00fa\u010del. Jeden \u017eil d\u00edky n\u00ed jako \u010dlov\u011bk a jin\u00ed si v\u00fdm\u011bnou za to vyd\u011blali na \u00faroc\u00edch. V\u0161ichni mohou b\u00fdt spokojeni.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak s p\u016fj\u010dkou neprohloupit?","item":"https:\/\/www.aest.cz\/jak-s-pujckou-neprohloupit\/#breadcrumbitem"}]}]