[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.astrajs.cz\/par-informaci-pro-vysvetleni\/#Article","mainEntityOfPage":"https:\/\/www.astrajs.cz\/par-informaci-pro-vysvetleni\/","headline":"P\u00e1r informac\u00ed pro vysv\u011btlen\u00ed","name":"P\u00e1r informac\u00ed pro vysv\u011btlen\u00ed","description":"Hypot\u00e9ky bez registru jsou st\u00e1le pro mnoh\u00e9 velkou nezn\u00e1mou. Co p\u0159edstavuj\u00ed u n\u00e1s? Jedn\u00e1 se v\u00fdhradn\u011b o podnikatelsk\u00e9 \u00fav\u011bry. To je z\u00e1kladn\u00ed pravidlo, kter\u00e9 si mus\u00edme zm\u00ednit hned na samotn\u00e9m za\u010d\u00e1tku, ne\u017e za\u010dneme v\u016fbec uva\u017eovat o cel\u00e9m n\u00e1zvu. N\u00e1zev nen\u00ed tak \u00fapln\u011b jednozna\u010dn\u00fd. Z n\u011bj v\u00edme, \u017ee se jedn\u00e1 o \u00fav\u011bry na del\u0161\u00ed \u010dasov\u00e9 obdob\u00ed,...","datePublished":"2020-02-12","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.astrajs.cz\/author\/#Person","name":"","url":"https:\/\/www.astrajs.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"astrajs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.astrajs.cz\/wp-content\/uploads\/img_a380001_w3707_t1591612799.jpg","url":"https:\/\/www.astrajs.cz\/wp-content\/uploads\/img_a380001_w3707_t1591612799.jpg","height":0,"width":0},"url":"https:\/\/www.astrajs.cz\/par-informaci-pro-vysvetleni\/","about":["Ekonomika"],"wordCount":476,"articleBody":"         Hypot\u00e9ky bez registru jsou st\u00e1le pro mnoh\u00e9 velkou nezn\u00e1mou. Co p\u0159edstavuj\u00ed u n\u00e1s?   Jedn\u00e1 se v\u00fdhradn\u011b o podnikatelsk\u00e9 \u00fav\u011bry. To je z\u00e1kladn\u00ed pravidlo, kter\u00e9 si mus\u00edme zm\u00ednit hned na samotn\u00e9m za\u010d\u00e1tku, ne\u017e za\u010dneme v\u016fbec uva\u017eovat o cel\u00e9m n\u00e1zvu.    N\u00e1zev nen\u00ed tak \u00fapln\u011b jednozna\u010dn\u00fd. Z n\u011bj v\u00edme, \u017ee se jedn\u00e1 o \u00fav\u011bry na del\u0161\u00ed \u010dasov\u00e9 obdob\u00ed, nap\u0159\u00edklad dvacet nebo i t\u0159icet let. D\u00e1le zjist\u00edme, \u017ee se jedn\u00e1 o \u00fav\u011bru s ru\u010den\u00edm nemovitost\u00ed. Tento typ \u00fav\u011bru toti\u017e v\u017edy ozna\u010dujeme jako hypot\u00e9ka. Co konkr\u00e9tn\u011b znamen\u00e1 bez registru? Tato slovn\u00ed spojen\u00ed ozna\u010duj\u00ed, \u017ee se takzvan\u011b neprohl\u00ed\u017e\u00ed z\u00e1znamy v registrech. Ov\u0161em nejde tak \u00fapln\u011b o to, \u017ee by se z\u00e1znamy nezji\u0161\u0165ovaly. Ka\u017ed\u00fd poskytovatel p\u016fj\u010dky si toti\u017e o sv\u00e9m klientovi m\u00e1 a tak\u00e9 mus\u00ed zjistit co nejv\u00edce informac\u00ed, aby mu mohl poskytnout v\u016fbec n\u011bjakou p\u016fj\u010dku. Z\u00e1konem je dokonce d\u00e1no to, \u017ee klientovi mus\u00ed zb\u00fdvat finance na spl\u00e1cen\u00ed a tak\u00e9 se mus\u00ed zji\u0161\u0165ovat to, z jak\u00fdch financ\u00ed chce klient p\u016fj\u010dky spl\u00e1cet, tak\u017ee se i z\u00e1znamy v podstat\u011b zji\u0161\u0165uj\u00ed. Plat\u00ed zde v\u0161ak v\u00fdjimka, \u017ee nebankovn\u00ed spole\u010dnosti je mohou tolerovat, tak\u017ee klient\u016fm p\u016fj\u010duj\u00ed i v p\u0159\u00edpad\u011b, \u017ee m\u00e1te negativn\u00ed z\u00e1pisy a byl jste nap\u0159\u00edklad n\u011bkdy v minulosti dlu\u017en\u00edkem. Soukrom\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f a p\u016fj\u010dek toti\u017e moc dob\u0159e ch\u00e1pou situaci jednotlivc\u016f a lid\u00ed, ned\u00e1vaj\u00ed je na jednu hromadu, a proto v\u00ed, \u017ee ka\u017ed\u00fd se m\u016f\u017ee zm\u00fdlit, \u017ee ka\u017ed\u00e9mu se m\u016f\u017ee st\u00e1t, \u017ee nebude m\u00edt p\u00e1r m\u011bs\u00edc\u016f na spl\u00e1cen\u00ed \u00fav\u011bru nebo \u017ee se jednou mohlo st\u00e1t, \u017ee bohu\u017eel n\u011bkdo nezaplatil pau\u0161\u00e1l za telefon a u\u017e kv\u016fli tomu m\u00e1 probl\u00e9m. Od toho jsou zde nebankovn\u00ed spole\u010dnosti poskytuj\u00edc\u00ed pr\u00e1v\u011b tyto \u00fav\u011bry, kter\u00e9 toleruj\u00ed, kdy\u017e m\u00e1 klient negativn\u00ed z\u00e1znam.  Podm\u00ednky \u00fav\u011bru pro podnikatele \u00dav\u011br je v\u0161ak nastaven podobn\u00fdm zp\u016fsobem, jako kdybyste o n\u011bj \u017e\u00e1dali v bance. Plat\u00edte klasicky \u00faroky, kter\u00e9 zn\u00e1te p\u0159edem, tak\u017ee si v\u0161e m\u016f\u017eete spo\u010d\u00edtat. Ru\u010d\u00ed se nemovitost\u00ed, za kterou z\u00edsk\u00e1te nap\u0159\u00edklad a\u017e 70% z jej\u00ed hodnoty. D\u00e1le spl\u00e1c\u00edte dlouhou dobu, t\u0159eba a\u017e 30 let. V tomto p\u0159\u00edpad\u011b, jak jsme si ji\u017e \u0159ekli, se jedn\u00e1 o podnikatelsk\u00fd \u00fav\u011br, tak\u017ee si pen\u00edze t\u00edmto zp\u016fsobem mohou p\u016fj\u010dit pouze, v\u00fdhradn\u011b a jen podnikatel\u00e9 pro pot\u0159eby podnik\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u00e1r informac\u00ed pro vysv\u011btlen\u00ed","item":"https:\/\/www.astrajs.cz\/par-informaci-pro-vysvetleni\/#breadcrumbitem"}]}]