[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.al-riso.cz\/jak-zvolit-spravnou-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.al-riso.cz\/jak-zvolit-spravnou-pujcku\/","headline":"Jak zvolit spr\u00e1vnou p\u016fj\u010dku?","name":"Jak zvolit spr\u00e1vnou p\u016fj\u010dku?","description":"Pokud \u010dlov\u011bk nem\u00e1 dostatek vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f, nejednou mu nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e n\u011bkoho po\u017e\u00e1dat o p\u016fj\u010dku. A to naprosto logicky o takovou p\u016fj\u010dku, je\u017e je mu p\u0159iklepnuta a vyplacena rychle, u n\u00ed\u017e nez\u00e1le\u017e\u00ed na n\u011bjak\u00fdch t\u011bch p\u0159\u00edpadn\u00fdch negativech jako n\u00edzk\u00e9 p\u0159\u00edjmy \u017eadatele \u010di zanesen\u00ed jeho jm\u00e9na do registru dlu\u017en\u00edk\u016f. Tedy o n\u011bco typu hypot\u00e9ka […]","datePublished":"2019-06-09","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.al-riso.cz\/author\/#Person","name":"","url":"https:\/\/www.al-riso.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"al-riso.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.al-riso.cz\/wp-content\/uploads\/img_a352325_w1724_t1566897530.jpg","url":"https:\/\/www.al-riso.cz\/wp-content\/uploads\/img_a352325_w1724_t1566897530.jpg","height":0,"width":0},"url":"https:\/\/www.al-riso.cz\/jak-zvolit-spravnou-pujcku\/","about":["Finance"],"wordCount":429,"articleBody":"        Pokud \u010dlov\u011bk nem\u00e1 dostatek vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f, nejednou mu nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e n\u011bkoho po\u017e\u00e1dat o p\u016fj\u010dku. A to naprosto logicky o takovou p\u016fj\u010dku, je\u017e je mu p\u0159iklepnuta a vyplacena rychle, u n\u00ed\u017e nez\u00e1le\u017e\u00ed na n\u011bjak\u00fdch t\u011bch p\u0159\u00edpadn\u00fdch negativech jako n\u00edzk\u00e9 p\u0159\u00edjmy \u017eadatele \u010di zanesen\u00ed jeho jm\u00e9na do registru dlu\u017en\u00edk\u016f. Tedy o n\u011bco typu hypot\u00e9ka bez p\u0159\u00edjmu https:\/\/hypotekybezregistru.cz\/. Proto\u017ee pr\u00e1v\u011b to je p\u016fj\u010dka, kter\u00e1 m\u00e1 ve srovn\u00e1n\u00ed s ostatn\u00edmi nejednu p\u0159ednost. Krom\u011b toho, co u\u017e tu v\u00fd\u0161e zazn\u011blo, je kladem tohoto produktu t\u0159eba u\u017e i to, \u017ee tu \u010dlov\u011bk nezaplat\u00ed d\u0159\u00edve, ne\u017e je mu p\u016fj\u010dka schv\u00e1lena a vyplacena, ani korunu na jak\u00fdchkoliv poplatc\u00edch. Nem\u016f\u017ee tak tratit, ani\u017e by m\u011bl tyto pen\u00edze v kapse. Dal\u0161\u00ed p\u0159ednost\u00ed tu je i to, \u017ee jsou t\u00edmto zp\u016fsobem p\u016fj\u010dov\u00e1ny pen\u00edze na tak dlouhou dobu, jak to \u017eadatel pot\u0159ebuje. P\u016fj\u010duj\u00ed se klidn\u011b i na dlouh\u00e1 t\u0159i desetilet\u00ed, \u010d\u00edm\u017e se d\u00e1 dos\u00e1hnout i vcelku mal\u00fdch spl\u00e1tek, kter\u00e9 dok\u00e1\u017ee platit ka\u017ed\u00fd, ani\u017e by mu komplikovaly \u017eivot. Ov\u0161em na druhou stranu si lze p\u016fj\u010dit i na pouhopouh\u00fd jedin\u00fd rok, respektive lze p\u016fj\u010den\u00e9 pen\u00edze kdykoliv vr\u00e1tit p\u0159ed\u010dasn\u011b, a to bez jak\u00fdchkoliv sankc\u00ed. \u010clov\u011bk tu m\u016f\u017ee dostat a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny nemovitosti, kterou mus\u00ed v p\u0159\u00edpad\u011b t\u00e9to p\u016fj\u010dky d\u00e1t nebankovn\u00ed spole\u010dnosti do z\u00e1stavy. M\u016f\u017ee tak z\u00edskat i nemalou \u010d\u00e1stku, klidn\u011b i takovou, jakou by se mu jinde zdr\u00e1hali poskytnout. A coby z\u00e1stavu lze pou\u017e\u00edt dokonce i dru\u017estevn\u00ed \u010di m\u011bstsk\u00fd byt. A tak zkr\u00e1tka \u010dlov\u011bk vypln\u00ed jednoduch\u00fd formul\u00e1\u0159 na internetu, po\u0161le e-mailem n\u011bkolik sn\u00edmk\u016f on\u00e9 nemovitosti a pak u\u017e mus\u00ed jen po\u010dkat, ne\u017e se mu ozve z\u00e1stupce spole\u010dnosti, kter\u00fd s n\u00edm v\u0161echno projedn\u00e1. A po podpisu smlouvy m\u00e1 to, co tolik pot\u0159ebuje, tedy pen\u00edze, nejpozd\u011bji b\u011bhem n\u011bkolika dn\u00ed na \u00fa\u010dtu. Ov\u0161em m\u016f\u017ee je \u010derpat expresn\u011b i u\u017e v den podpisu smlouvy. A takov\u00e9 pen\u00edze lze pou\u017e\u00edt na cokoliv, co si jenom doty\u010dn\u00fd umane. A co si m\u016f\u017ee \u010dlov\u011bk p\u0159\u00e1t v\u00edc, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak zvolit spr\u00e1vnou p\u016fj\u010dku?","item":"https:\/\/www.al-riso.cz\/jak-zvolit-spravnou-pujcku\/#breadcrumbitem"}]}]