[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cmuch.cz\/kde-pujci-soukromnikovi\/#Article","mainEntityOfPage":"https:\/\/www.cmuch.cz\/kde-pujci-soukromnikovi\/","headline":"Kde p\u016fj\u010d\u00ed soukromn\u00edkovi?","name":"Kde p\u016fj\u010d\u00ed soukromn\u00edkovi?","description":"Neznal\u00fd \u010dlov\u011bk by si mohl \u0159\u00edci, \u017ee na takov\u00e9 p\u016fj\u010dce nic slo\u017eit\u00e9ho nen\u00ed. Prost\u011b se sta\u010d\u00ed obr\u00e1tit na n\u011bkter\u00e9ho z poskytovatel\u016f, jich\u017e zn\u00e1me z reklam celou \u0159adu, \u0159\u00edci si, kolik m\u00e1 doty\u010dn\u00fd vys\u00e1zet na d\u0159evo, a j\u00edt si s kapsami pln\u00fdmi bankovek po sv\u00fdch. Ov\u0161em jak ka\u017ed\u00fd zku\u0161en\u011bj\u0161\u00ed jedinec v\u00ed, tak tomu rozhodn\u011b nen\u00ed. Takov\u00fd ... <a title=\"Kde p\u016fj\u010d\u00ed soukromn\u00edkovi?\" class=\"read-more\" href=\"https:\/\/www.cmuch.cz\/kde-pujci-soukromnikovi\/\">Read more<span class=\"screen-reader-text\">Kde p\u016fj\u010d\u00ed soukromn\u00edkovi?<\/span><\/a>","datePublished":"2019-09-16","dateModified":"2019-09-16","author":{"@type":"Person","@id":"https:\/\/www.cmuch.cz\/author\/#Person","name":"","url":"https:\/\/www.cmuch.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cmuch.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cmuch.cz\/wp-content\/uploads\/img_a346584_w1739_t1560932388.jpg","url":"https:\/\/www.cmuch.cz\/wp-content\/uploads\/img_a346584_w1739_t1560932388.jpg","height":0,"width":0},"url":"https:\/\/www.cmuch.cz\/kde-pujci-soukromnikovi\/","about":["Ekonomika"],"wordCount":479,"articleBody":"   Neznal\u00fd \u010dlov\u011bk by si mohl \u0159\u00edci, \u017ee na takov\u00e9 p\u016fj\u010dce nic slo\u017eit\u00e9ho nen\u00ed. Prost\u011b se sta\u010d\u00ed obr\u00e1tit na n\u011bkter\u00e9ho z poskytovatel\u016f, jich\u017e zn\u00e1me z reklam celou \u0159adu, \u0159\u00edci si, kolik m\u00e1 doty\u010dn\u00fd vys\u00e1zet na d\u0159evo, a j\u00edt si s kapsami pln\u00fdmi bankovek po sv\u00fdch. Ov\u0161em jak ka\u017ed\u00fd zku\u0161en\u011bj\u0161\u00ed jedinec v\u00ed, tak tomu rozhodn\u011b nen\u00ed. Takov\u00fd \u017eadatel sice m\u016f\u017ee j\u00edt leckam, ov\u0161em po\u017e\u00e1d\u00e1-li si o p\u016fj\u010dku u n\u011bkter\u00e9ho nevhodn\u00e9ho poskytovatele, bude muset j\u00edt jinam. Do h\u00e1je. Nebo do je\u0161t\u011b nelichotiv\u011bj\u0161\u00edch m\u00edst. V reklam\u00e1ch toho toti\u017e t\u0159eba banky naslibuj\u00ed spoustu. Jen\u017ee kdy\u017e tam \u010dlov\u011bk zav\u00edt\u00e1, co je zaj\u00edm\u00e1 dejme tomu v p\u0159\u00edpad\u011b soukrom\u00fdch podnikatel\u016f jako prvn\u00ed? Da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed a registry dlu\u017en\u00edk\u016f. A pokud se jev\u00ed b\u00fdt movitost \u017eadatele nedostate\u010dn\u00e1 nebo se n\u011bco objev\u00ed ve zm\u00edn\u011bn\u00e9m registru, je zle. I kdyby \u0161lo jenom o zanedbateln\u00fd proh\u0159e\u0161ek \u010di nedostatek, je v tu chv\u00edli jak\u00e1koliv debata u konce. D\u00e1le smlouvat net\u0159eba, proto\u017ee banky maj\u00ed sv\u00e1 jasn\u00e1 pravidla, a i kdyby snad n\u011bkter\u00fd \u00fa\u0159edn\u00edk povolit cht\u011bl, vyhov\u011bt nem\u016f\u017ee. A tak m\u016f\u017eeme b\u00fdt r\u00e1di, \u017ee existuj\u00ed i nebankovn\u00ed poskytovatel\u00e9 p\u016fj\u010dek. Proto\u017ee t\u0159eba jejich nebankovn\u00ed americk\u00e1 hypot\u00e9kaje \u0159e\u0161en\u00edm pr\u00e1v\u011b pro ty, kdo nemaj\u00ed nad\u011bjn\u00e9 vyhl\u00eddky jinde. I kdy\u017e se tu pochopiteln\u011b nebr\u00e1n\u00ed ani klient\u016fm, kte\u0159\u00ed jsou bez poskvrnky, po kter\u00fdch by r\u00e1di sko\u010dili i jinde. U tohoto typu p\u016fj\u010dky toti\u017e ani skoup\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, ani n\u011bjak\u00fd ten zanedbateln\u00fd z\u00e1znam v registru dlu\u017en\u00edk\u016f rozhoduj\u00edc\u00ed roli nehraj\u00ed. Tady jde v prvn\u00ed \u0159ad\u011b o to, je-li doty\u010dn\u00fd \u017eadatel \u2013 v p\u0159\u00edpad\u011b, \u017ee mu bude vyhov\u011bno \u2013 schopen spl\u00e1cet. A d\u00edky flexibilit\u011b nab\u00eddky a mo\u017enosti prodlou\u017eit dobu spl\u00e1cen\u00ed klidn\u011b i na t\u0159icet let jsou spl\u00e1tky \u00fanosn\u00e9 prakticky pro ka\u017ed\u00e9ho. Co\u017e je nav\u00edc je\u0161t\u011b zaji\u0161t\u011bno t\u00edm, \u017ee tu ka\u017ed\u00fd \u017eadatel mus\u00ed d\u00e1t za p\u016fj\u010den\u00e9 pen\u00edze do z\u00e1stavy svoji nemovitost. Tak\u017ee se nikdo nemus\u00ed ob\u00e1vat, \u017ee by dlu\u017en\u00edk sv\u00e9voln\u011b nespl\u00e1cel, a lze p\u016fj\u010dit mnoh\u00fdm. Vcelku v\u00fdhodn\u011b a z\u00e1rove\u0148 i hodn\u011b rychle, bez zbyte\u010dn\u00e9 byrokracie a poplatk\u016f p\u0159edem nebo n\u011bjak\u00fdch skryt\u00fdch z\u00e1ludnost\u00ed. Tak\u017ee minim\u00e1ln\u011b zde soukromn\u00edk pomoc nalezne. Ani\u017e by se \u2013 dost mo\u017en\u00e1 marn\u011b \u2013 musel p\u0159ed n\u011bk\u00fdm plazit po kolenou a \u0161kemrat.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde p\u016fj\u010d\u00ed soukromn\u00edkovi?","item":"https:\/\/www.cmuch.cz\/kde-pujci-soukromnikovi\/#breadcrumbitem"}]}]