[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.irla.cz\/jak-si-pujcit-idealne\/#Article","mainEntityOfPage":"https:\/\/www.irla.cz\/jak-si-pujcit-idealne\/","headline":"Jak si p\u016fj\u010dit ide\u00e1ln\u011b?","name":"Jak si p\u016fj\u010dit ide\u00e1ln\u011b?","description":"Domn\u00edv\u00e1te se, \u017ee p\u016fj\u010dit si znamen\u00e1 zaj\u00edt do banky, podepsat smlouvu, sebrat pen\u00edze a j\u00edt? Pokud ano, hodn\u011b rychle e na to zapome\u0148te. To pr\u00e1v\u011b zm\u00edn\u011bn\u00e9 toti\u017e k p\u016fj\u010dk\u00e1m pat\u0159\u00ed (pokud si \u010dlov\u011bk pochopiteln\u011b nevybere nam\u00edsto banky n\u011bjak\u00e9ho jin\u00e9ho poskytovatele p\u016fj\u010dek), jen\u017ee jde jenom o \u010d\u00e1st z toho v\u0161eho, co je t\u0159eba, ne\u017e se \u010dlov\u011bk […]","datePublished":"2019-12-27","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.irla.cz\/author\/#Person","name":"","url":"https:\/\/www.irla.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"irla.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.irla.cz\/wp-content\/uploads\/img_a377772_w4346_t1589269619.jpg","url":"https:\/\/www.irla.cz\/wp-content\/uploads\/img_a377772_w4346_t1589269619.jpg","height":0,"width":0},"url":"https:\/\/www.irla.cz\/jak-si-pujcit-idealne\/","about":["Neza\u0159azen\u00e9"],"wordCount":446,"articleBody":"       Domn\u00edv\u00e1te se, \u017ee p\u016fj\u010dit si znamen\u00e1 zaj\u00edt do banky, podepsat smlouvu, sebrat pen\u00edze a j\u00edt? Pokud ano, hodn\u011b  rychle e na to zapome\u0148te. To pr\u00e1v\u011b zm\u00edn\u011bn\u00e9 toti\u017e k p\u016fj\u010dk\u00e1m pat\u0159\u00ed (pokud si \u010dlov\u011bk pochopiteln\u011b nevybere nam\u00edsto banky n\u011bjak\u00e9ho jin\u00e9ho poskytovatele p\u016fj\u010dek), jen\u017ee jde jenom o \u010d\u00e1st z toho v\u0161eho, co je t\u0159eba, ne\u017e se \u010dlov\u011bk vytou\u017een\u00fdch pen\u011bz do\u010dk\u00e1.Pokud si toti\u017e chce n\u011bkdo p\u016fj\u010dit od n\u011bkoho ciz\u00edho, k\u00fdm m\u00e1m nyn\u00ed na mysli finan\u010dn\u00ed instituci, nesta\u010d\u00ed jenom \u017e\u00e1dat. Je t\u0159eba hlavn\u011b p\u0159esv\u011bd\u010dit o tom, \u017ee se ten, kdo p\u016fj\u010duje, tak\u00e9 v po\u0159\u00e1dku se sv\u00fdmi pen\u011bzi shled\u00e1, a\u017e nadejde ten spr\u00e1vn\u00fd \u010das.A v tomto p\u0159esv\u011bd\u010den\u00ed je nejednou zakop\u00e1n hodn\u011b velk\u00fd pes. Proto\u017ee ne ka\u017ed\u00fd ze z\u00e1jemc\u016f o p\u016fj\u010dku dok\u00e1\u017ee p\u0159edlo\u017eit dostatek d\u016fkaz\u016f, \u017ee bude schopen a ochoten vracet. A bez zaru\u010den\u00ed dobr\u00e9 platebn\u00ed mor\u00e1lky je nad\u011bje na \u00fasp\u011bch miziv\u00e1.Typick\u00e9 je to pro banky. Zde mus\u00ed \u010dlov\u011bk dokl\u00e1dat dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy, absenci dluh\u016f i z\u00e1znam\u016f v registrech dlu\u017en\u00edk\u016f a podobn\u011b, mus\u00ed m\u00edt prost\u011b \u010dist\u00fd \u0161t\u00edt, aby mu p\u016fj\u010dili. A ani pak nejednou neusp\u011bje.A proto je rozhodn\u011b lep\u0161\u00ed, kdy\u017e problematick\u00fd \u017eadatel vsad\u00ed rad\u011bji na nebankovn\u00ed poskytovatele. A to proto, \u017ee hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu je i n\u011bkomu takov\u00e9mu daleko dostupn\u011bj\u0161\u00ed. Jist\u011b, i tady se mus\u00ed p\u0159\u00edjmy n\u011bjak\u00fdm zp\u016fsobem dolo\u017eit, aby bylo jasn\u00e9, \u017ee bude m\u00edt budouc\u00ed dlu\u017en\u00edk z \u010deho spl\u00e1cet, ale t\u011bch zp\u016fsob\u016f, jak u\u010dinit, je tu cel\u00e1 dlouh\u00e1 \u0159ada. A kde je dostatek variant, tam je i v\u011bt\u0161\u00ed pravd\u011bpodobnost, \u017ee se cesta k pen\u011bz\u016fm nakonec najde.A tak sta\u010d\u00ed oslovit nebankovn\u00edho poskytovatele p\u016fj\u010dek s (klidn\u011b i skromn\u00fdm) da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm, dokazuj\u00edc\u00edm funguj\u00edc\u00ed podnik\u00e1n\u00ed, s fakturami, podnikatelsk\u00fdm z\u00e1m\u011brem, v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f, v\u00fdplatn\u00edmi p\u00e1skami, s rozhodnut\u00edm o p\u0159izn\u00e1n\u00ed n\u011bkter\u00e9 soci\u00e1ln\u00ed d\u00e1vky, ale klidn\u011b i s p\u0159\u00edbuzn\u00fdm, jen\u017e m\u00e1 p\u0159\u00edjmy a je ochoten se za \u017eadatele t\u011bmito zaru\u010dit, a podobn\u011b.A je-li schopnost spl\u00e1cet potvrzena, lze v\u011b\u0159it v poskytnut\u00ed p\u016fj\u010dky. Jinak st\u011b\u017e\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si p\u016fj\u010dit ide\u00e1ln\u011b?","item":"https:\/\/www.irla.cz\/jak-si-pujcit-idealne\/#breadcrumbitem"}]}]