[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hebi.cz\/mate-nizke-prijmy-zkuste-nebankovni-hypoteku\/#Article","mainEntityOfPage":"https:\/\/www.hebi.cz\/mate-nizke-prijmy-zkuste-nebankovni-hypoteku\/","headline":"M\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy? Zkuste nebankovn\u00ed hypot\u00e9ku!","name":"M\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy? Zkuste nebankovn\u00ed hypot\u00e9ku!","description":"Velkou p\u0159ek\u00e1\u017ekou v tom, jak se dostat k pot\u0159ebn\u00fdm pen\u011bz\u016fm, mohou b\u00fdt pro mnoh\u00e9 lidi jejich p\u0159\u00edjmy, respektive jejich bonita. Na posouzen\u00ed bonity toti\u017e naraz\u00edte poka\u017ed\u00e9, a\u0165 u\u017e po\u017e\u00e1d\u00e1te o p\u016fj\u010dku na libovoln\u00e9m m\u00edst\u011b. Zohlednit bonitu \u017eadatele, a tedy to, zda bude \u010di nebude v budoucnosti schopn\u00fd sv\u00e9 finan\u010dn\u00ed z\u00e1vazky spl\u00e1cet, je dokonce podm\u00ednkou, kter\u00e1...","datePublished":"2019-10-15","dateModified":"2019-10-15","author":{"@type":"Person","@id":"https:\/\/www.hebi.cz\/author\/#Person","name":"","url":"https:\/\/www.hebi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hebi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hebi.cz\/wp-content\/uploads\/img_a368384_w2430_t1580580121.jpg","url":"https:\/\/www.hebi.cz\/wp-content\/uploads\/img_a368384_w2430_t1580580121.jpg","height":0,"width":0},"url":"https:\/\/www.hebi.cz\/mate-nizke-prijmy-zkuste-nebankovni-hypoteku\/","about":["Www"],"wordCount":436,"articleBody":"       Velkou p\u0159ek\u00e1\u017ekou v tom, jak se dostat k pot\u0159ebn\u00fdm pen\u011bz\u016fm, mohou b\u00fdt pro mnoh\u00e9 lidi jejich p\u0159\u00edjmy, respektive jejich bonita. Na posouzen\u00ed bonity toti\u017e naraz\u00edte poka\u017ed\u00e9, a\u0165 u\u017e po\u017e\u00e1d\u00e1te o p\u016fj\u010dku na libovoln\u00e9m m\u00edst\u011b. Zohlednit bonitu \u017eadatele, a tedy to, zda bude \u010di nebude v budoucnosti schopn\u00fd sv\u00e9 finan\u010dn\u00ed z\u00e1vazky spl\u00e1cet, je dokonce podm\u00ednkou, kter\u00e1 je v\u0161em poskytovatel\u016fm ulo\u017eena ze z\u00e1kona. Ov\u0161em nikde nen\u00ed \u0159e\u010deno, jak\u00fdm zp\u016fsobem m\u00e1 b\u00fdt posuzov\u00e1n\u00ed nastaveno, a jak moc m\u00e1 b\u00fdt stanoven\u00e1 hranice p\u0159\u00edsn\u00e1. Pokud jde o banky, tak ty stanovily hranici bonity pro poskytnut\u00ed p\u016fj\u010dky tak p\u0159\u00edsn\u011b, a tak vysoko, \u017ee je j\u00ed jen m\u00e1lokter\u00fd \u017eadatel schopn\u00fd vyhov\u011bt. V praxi to vypad\u00e1 tak, \u017ee banka mnoh\u00e9 va\u0161e p\u0159\u00edjmy neuzn\u00e1, va\u0161e v\u00fddaje nafoukne, a n\u011bkter\u00e9 va\u0161e dal\u0161\u00ed v\u00fdd\u011blky do v\u00fdpo\u010dtu ani nezahrne. T\u0159eba proto, \u017ee v\u00fdd\u011blek z dohody o proveden\u00ed pr\u00e1ce nepova\u017euje za stabiln\u00ed, a podnik\u00e1n\u00ed s da\u0148ov\u00fdm pau\u0161\u00e1lem je podle bankovn\u00edch \u00fa\u0159edn\u00edk\u016f vysoce rizikov\u00e1 z\u00e1le\u017eitost. Tak\u017ee podtr\u017eeno a se\u010dteno, p\u0159\u00edznivou bonitu bude m\u00edt za takov\u00fdch podm\u00ednek snad jen ten, kdo vyd\u011bl\u00e1v\u00e1 bal\u00edk a m\u00e1 minim\u00e1ln\u00ed v\u00fddaje https:\/\/byznys.lidovky.cz\/prazan-vydelava-na-novy-byt-pres-12-let-rocni-plat-vystaci-jen-na-koupelnu-14x-\/firmy-trhy.aspx%3Fc%3DA171114_122527_firmy-trhy_kopp  t\u0159eba proto, \u017ee nem\u00e1 \u017e\u00e1dnou rodinu, nav\u00edc m\u00e1 i slu\u0161n\u00e9 finan\u010dn\u00ed rezervy. P\u016fj\u010dku tedy v bankovn\u00ed praxi z\u00edsk\u00e1 p\u0159edev\u0161\u00edm ten, kdo ji ze v\u0161ech nejm\u00e9n\u011b pot\u0159ebuje. Na\u0161t\u011bst\u00ed jsou tady nebankovn\u00ed spole\u010dnosti, a ty maj\u00ed pochopen\u00ed pro b\u011b\u017en\u00fd \u017eivot, jak\u00fd ve skute\u010dnosti je. Proto po \u017eadatel\u00edch o \u00fav\u011br necht\u011bj\u00ed nemo\u017en\u00e9, ale vysta\u010d\u00ed si s t\u00edm, \u017ee jejich p\u0159\u00edjmy rozumn\u011b p\u0159evy\u0161uj\u00ed v\u00fddaje. Dokonce zde m\u016f\u017eete z\u00edskat i hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu http:\/\/www.fahd.cz\/hypoteka-bez-dolozeni-prijmu\/! Ov\u0161em nemylte se, nen\u00ed to tak, \u017ee byste svou finan\u010dn\u00ed bilanci nemuseli dolo\u017eit, ale tak, \u017ee je mo\u017en\u00e9 tolerovat i trochu ni\u017e\u0161\u00ed bonitu. A to znamen\u00e1, \u017ee dos\u00e1hnete na p\u016fj\u010dku, i kdy\u017e v\u00e1s v bance odm\u00edtli. Ba co v\u00edc, nebudete si muset kv\u016fli jej\u00edm podm\u00ednk\u00e1m l\u00e1mat vaz, posta\u010d\u00ed v\u00e1m ru\u010den\u00ed solidn\u00edm nemovit\u00fdm majetkem.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy? Zkuste nebankovn\u00ed hypot\u00e9ku!","item":"https:\/\/www.hebi.cz\/mate-nizke-prijmy-zkuste-nebankovni-hypoteku\/#breadcrumbitem"}]}]