[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esapo.cz\/nekdy-to-jinak-proste-nejde\/#Article","mainEntityOfPage":"https:\/\/www.esapo.cz\/nekdy-to-jinak-proste-nejde\/","headline":"N\u011bkdy to jinak prost\u011b nejde","name":"N\u011bkdy to jinak prost\u011b nejde","description":"Pravd\u011bpodobn\u011b ka\u017ed\u00fd z\u00a0n\u00e1s se jednou ocitne v\u00a0situaci, kdy pot\u0159ebuje v\u011bt\u0161\u00ed mno\u017estv\u00ed finan\u010dn\u00edch prost\u0159edk\u016f, ne\u017e se kter\u00fdmi aktu\u00e1ln\u011b s\u00e1m disponuje nap\u0159. na koupi vlastn\u00ed nemovitosti, koupi auta, chaty, apod. \u2026 N\u011bkdy posta\u010d\u00ed d\u00e1t dohromady rodinn\u00e9 \u00faspory, p\u0159\u00edpadn\u011b drobn\u00e9 p\u016fj\u010dky od p\u0159\u00e1tel \u010di kamar\u00e1d\u016f, n\u011bkdy to je ale bohu\u017eel m\u00e1lo. Jak tedy takovou situaci vy\u0159e\u0161it? Na trhu existuje \u0159ada bankovn\u00edch instituc\u00ed, kter\u00e9 … ","datePublished":"2018-06-21","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.esapo.cz\/author\/#Person","name":"","url":"https:\/\/www.esapo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esapo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esapo.cz\/wp-content\/uploads\/img_a321417_w1946_t1532636206.jpg","url":"https:\/\/www.esapo.cz\/wp-content\/uploads\/img_a321417_w1946_t1532636206.jpg","height":0,"width":0},"url":"https:\/\/www.esapo.cz\/nekdy-to-jinak-proste-nejde\/","wordCount":414,"articleBody":"Pravd\u011bpodobn\u011b ka\u017ed\u00fd z\u00a0n\u00e1s se jednou ocitne v\u00a0situaci, kdy pot\u0159ebuje v\u011bt\u0161\u00ed mno\u017estv\u00ed finan\u010dn\u00edch prost\u0159edk\u016f, ne\u017e se kter\u00fdmi aktu\u00e1ln\u011b s\u00e1m disponuje nap\u0159. na koupi vlastn\u00ed nemovitosti, koupi auta, chaty, apod. \u2026 N\u011bkdy posta\u010d\u00ed d\u00e1t dohromady rodinn\u00e9 \u00faspory, p\u0159\u00edpadn\u011b drobn\u00e9 p\u016fj\u010dky od p\u0159\u00e1tel \u010di kamar\u00e1d\u016f, n\u011bkdy to je ale bohu\u017eel m\u00e1lo. Jak tedy takovou situaci vy\u0159e\u0161it?Na trhu existuje \u0159ada bankovn\u00edch instituc\u00ed, kter\u00e9 sv\u00fdm klient\u016fm poskytuj\u00ed p\u016fj\u010dky. Aby oby\u010dejn\u00fd klient takovou p\u016fj\u010dku dostal, mus\u00ed nejd\u0159\u00edve proj\u00edt velmi p\u0159\u00edsn\u00fdm s\u00edtem, kdy mus\u00ed klient dolo\u017eit nem\u00e1lo dokument\u016f k\u00a0tomu, aby v\u00e1m banka v\u00a0p\u016fj\u010dce vyhov\u011bla. I oni sami necht\u011bj\u00ed podstupovat riziko, \u017ee jejich klient bude insolventn\u00ed a banka tak nebude m\u00edt p\u016fj\u010den\u00e9 finan\u010dn\u00ed prost\u0159edky v\u010das a k dispozici pro sv\u00e9 dal\u0161\u00ed klienty.N\u011bkdy ale b\u00fdv\u00e1 velmi komplikovan\u00e9 vyhov\u011bt v\u0161em krit\u00e9ri\u00edm, kter\u00e1 maj\u00ed banky p\u0159edem stanoven\u00e9. Kter\u00e1 to jsou? Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad pracovn\u00ed smlouva, kterou je zaji\u0161t\u011bn pravideln\u00fd p\u0159\u00edjem finan\u010dn\u00edch prost\u0159edk\u016f, ze kter\u00fdch bude hrazena spl\u00e1tka a \u00faroky. N\u011bkter\u00e9 banky tak\u00e9 zaj\u00edm\u00e1, zda je uzav\u0159ena pracovn\u00ed smlouva na dobu neur\u010ditou. Velkou roli ale zde tak\u00e9 hraje to, o jak velk\u00fd finan\u010dn\u00ed obnos klient \u017e\u00e1d\u00e1. Toto se t\u00fdk\u00e1 zejm\u00e9na t\u011bch opravdu vysok\u00fdch p\u016fj\u010dek. Nemalou roli, zde tak\u00e9 hraje to, zda m\u00e1 budouc\u00ed klient \u010d\u00edm ru\u010dit, i toto b\u00fdv\u00e1 u potenci\u00e1ln\u00edch \u017eadatel\u016f k\u00e1men \u00farazu. Pokud \u017eadatel nespln\u00ed n\u011bkter\u00e9 z\u00a0t\u011bchto krit\u00e9ri\u00ed, banka pak takov\u00e9mu \u017eadateli v\u00a0p\u016fj\u010dce bohu\u017eel nevyhov\u00ed.A n\u011bkdy to jinak prost\u011b nejde a \u017eadatel tak hled\u00e1 dal\u0161\u00ed mo\u017enosti, jak z\u00edskat pot\u0159ebn\u00e9 mno\u017estv\u00ed finan\u010dn\u00edch prost\u0159edk\u016f. Nekal\u00e9 mo\u017enosti z\u00edsk\u00e1n\u00ed pen\u011bz nap\u0159\u00edklad od lichv\u00e1\u0159\u016f rad\u011bji zmi\u0148ovat ani nebudeme. Existuj\u00ed ale i dal\u0161\u00ed mo\u017enosti, jak tyto prost\u0159edky z\u00edskat a to prost\u0159ednictv\u00edm nebankovn\u00edch spole\u010dnost\u00ed. V\u00fdhodou nebankovn\u00edch spole\u010dnost\u00ed je nap\u0159\u00edklad to, \u017ee nepo\u017eaduj\u00ed dolo\u017een\u00ed tak velk\u00e9ho mno\u017estv\u00ed dokument\u016f\/prohl\u00e1\u0161en\u00ed jako bankovn\u00ed instituce p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku\/hypot\u00e9ku.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u011bkdy to jinak prost\u011b nejde","item":"https:\/\/www.esapo.cz\/nekdy-to-jinak-proste-nejde\/#breadcrumbitem"}]}]