[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bahen.cz\/kde-zadatele-neodmitnou\/#Article","mainEntityOfPage":"https:\/\/www.bahen.cz\/kde-zadatele-neodmitnou\/","headline":"Kde \u017eadatele neodm\u00edtnou","name":"Kde \u017eadatele neodm\u00edtnou","description":"Nechce-li se podnikatel, kter\u00fd se ocitl ve finan\u010dn\u00edch nesn\u00e1z\u00edch, dostat do koloto\u010de v\u00edce ne\u017e p\u0159\u00edsn\u00e9ho prov\u011b\u0159ov\u00e1n\u00ed kde\u010deho, co se jeho \u017eivota a podnik\u00e1n\u00ed t\u00fdk\u00e1, nechce-li riskovat nezdar jenom proto, \u017ee m\u00e1 pot\u00ed\u017ee, jeho zisky jsou nevelk\u00e9, da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nevaln\u00e9 a mo\u017en\u00e1 ho dokonce stra\u0161\u00ed i n\u011bjak\u00fd ten z\u00e1znam v registrech","datePublished":"2019-09-13","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.bahen.cz\/author\/#Person","name":"","url":"https:\/\/www.bahen.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bahen.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bahen.cz\/wp-content\/uploads\/img_a346341_w1746_t1560501034.jpg","url":"https:\/\/www.bahen.cz\/wp-content\/uploads\/img_a346341_w1746_t1560501034.jpg","height":0,"width":0},"url":"https:\/\/www.bahen.cz\/kde-zadatele-neodmitnou\/","about":["Ekonomika"],"wordCount":487,"articleBody":"   Nechce-li se podnikatel, kter\u00fd se ocitl ve finan\u010dn\u00edch nesn\u00e1z\u00edch, dostat do koloto\u010de v\u00edce ne\u017e p\u0159\u00edsn\u00e9ho prov\u011b\u0159ov\u00e1n\u00ed kde\u010deho, co se jeho \u017eivota a podnik\u00e1n\u00ed t\u00fdk\u00e1, nechce-li riskovat nezdar jenom proto, \u017ee m\u00e1 pot\u00ed\u017ee, jeho zisky jsou nevelk\u00e9, da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nevaln\u00e9 a mo\u017en\u00e1 ho dokonce stra\u0161\u00ed i n\u011bjak\u00fd ten z\u00e1znam v registrech dlu\u017en\u00edk\u016f, nem\u011bl by se obracet na banky. Proto\u017ee pr\u00e1v\u011b bankovn\u00ed sektor zkoum\u00e1 v\u00edce ne\u017e d\u016fkladn\u011b ka\u017ed\u00e9ho, kdo u n\u011bj za\u017e\u00e1d\u00e1 o p\u016fj\u010den\u00ed pen\u011bz, a jsou to tak\u00e9 banky, kdo nejednoho \u017eadatele odm\u00edtnou, jakmile nevyhov\u00ed tak docela v\u0161emu, co se od n\u011bj o\u010dek\u00e1v\u00e1.Takov\u00fd soukromn\u00edk to m\u00e1 u bank se z\u00edsk\u00e1v\u00e1n\u00edm p\u016fj\u010dek p\u0159inejmen\u0161\u00edm t\u011b\u017ek\u00e9. A proto nejednou rad\u011bji vsad\u00ed na jistotu jm\u00e9nem americk\u00e1 hypot\u00e9ka bez registru. Co\u017e je \u0161ance, jak p\u0159ij\u00edt k pen\u011bz\u016fm daleko sn\u00e1ze, bez mnoha slo\u017eit\u00fdch a nejednou i poni\u017euj\u00edc\u00edch procedur.Proto\u017ee u tohoto typu \u00fav\u011bru nehraj\u00ed p\u0159\u00edjmy a vlastn\u011b ani p\u0159\u00edpadn\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f rozhoduj\u00edc\u00ed roli, tady se d\u00e1 mnoh\u00fdm komplikac\u00edm celku jednodu\u0161e p\u0159edej\u00edt. A to t\u00edm, \u017ee d\u00e1 \u010dlov\u011bk za zm\u00edn\u011bnou hypot\u00e9ku jednodu\u0161e do z\u00e1stavy n\u011bjakou svou nemovitost, respektive nemovitost n\u011bkoho, kdo je ochoten se za n\u011bj zaru\u010dit. A d\u00edky tomu je v\u0161e ostatn\u00ed o pozn\u00e1n\u00ed jednodu\u0161\u0161\u00ed \u2013 sta\u010d\u00ed i o mnoho ni\u017e\u0161\u00ed p\u0159\u00edjmy, ne\u017e jak\u00e9 \u017e\u00e1daj\u00ed v bank\u00e1ch, z\u00e1znam v registrech tak\u00e9 nemus\u00ed b\u00fdt p\u0159ek\u00e1\u017ekou. A nav\u00edc je tu v\u0161e o pozn\u00e1n\u00ed jednodu\u0161\u0161\u00ed, i co se byrokracie t\u00fdk\u00e1.Tady toti\u017e sta\u010d\u00ed nab\u00eddnout onu nemovitost, p\u0159edstavit ji na n\u011bkolika sn\u00edmc\u00edch t\u00e9 kter\u00e9 nebankovn\u00ed spole\u010dnosti, vyplnit si jednoduch\u00fd on-line formul\u00e1\u0159 a t\u00edm ve\u0161ker\u00e9 \u017eadatelovy povinnosti kon\u010d\u00ed. Pak u\u017e toti\u017e sta\u010d\u00ed po\u010dkat na ozv\u00e1n\u00ed se mana\u017eera spole\u010dnosti, jen\u017e s n\u00edm projedn\u00e1 v\u0161echny podrobnosti, n\u00e1sledn\u011b se podep\u00ed\u0161e smlouva a za p\u00e1r dn\u00ed je n\u00e1\u0161 zoufalec majitelem klidn\u011b i hodn\u011b velk\u00e9 finan\u010dn\u00ed \u010d\u00e1stky, ji\u017e m\u016f\u017ee pou\u017e\u00edt na cokoliv. A ji\u017e pak mus\u00ed pouze ve stanoven\u00e9 lh\u016ft\u011b, kter\u00e1 se m\u016f\u017ee prot\u00e1hnout t\u0159eba i na cel\u00fdch t\u0159icet let, zase po mal\u00fdch \u010d\u00e1stk\u00e1ch splatit. Pokud se tedy jednoho dne nerozhodne vr\u00e1tit v\u0161e bez sankc\u00ed p\u0159ed\u010dasn\u011b, na co\u017e je tu tak\u00e9 n\u00e1rok.Tady je prost\u011b v\u0161e o pozn\u00e1n\u00ed snaz\u0161\u00ed ne\u017e v bance. A pro\u010d takovou p\u0159\u00edle\u017eitost v t\u011b\u017ek\u00e9 chv\u00edli nevyu\u017e\u00edt, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde \u017eadatele neodm\u00edtnou","item":"https:\/\/www.bahen.cz\/kde-zadatele-neodmitnou\/#breadcrumbitem"}]}]