[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.peachpit.cz\/nebonitni-klient-u-nas-neexistuje\/#Article","mainEntityOfPage":"https:\/\/www.peachpit.cz\/nebonitni-klient-u-nas-neexistuje\/","headline":"Nebonitn\u00ed klient u n\u00e1s neexistuje","name":"Nebonitn\u00ed klient u n\u00e1s neexistuje","description":"Bankovn\u00ed instituce jsou v\u00e1z\u00e1ny mechanismy, kter\u00e9 v mnoha p\u0159\u00edpadech zabr\u00e1n\u00ed \u017eadateli o \u00fav\u011br, aby se svou \u017e\u00e1dost\u00ed usp\u011bl. Zkoum\u00e1 se n\u011bkolik z\u00e1le\u017eitost\u00ed, mezi kter\u00e9 pat\u0159\u00ed nap\u0159\u00edklad i v\u011bk \u017eadatele, \u00fa\u010del vyu\u017eit\u00ed finan\u010dn\u00edch prost\u0159edk\u016f i to, jestli u\u017e nem\u00e1 \u017eadatel podobn\u00fd z\u00e1vazek jinde. V neposledn\u00ed \u0159ad\u011b je zkontrolov\u00e1n jeho p\u0159\u00edjem a zn\u00e1m\u00e9 registry dlu\u017en\u00edk\u016f. Jedn\u00edm slovem […]","datePublished":"2019-09-15","dateModified":"2019-09-15","author":{"@type":"Person","@id":"https:\/\/www.peachpit.cz\/author\/#Person","name":"","url":"https:\/\/www.peachpit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"peachpit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.peachpit.cz\/wp-content\/uploads\/img_a346576_w1717_t1560931423.jpg","url":"https:\/\/www.peachpit.cz\/wp-content\/uploads\/img_a346576_w1717_t1560931423.jpg","height":0,"width":0},"url":"https:\/\/www.peachpit.cz\/nebonitni-klient-u-nas-neexistuje\/","about":["Www"],"wordCount":373,"articleBody":"   Bankovn\u00ed instituce jsou v\u00e1z\u00e1ny mechanismy, kter\u00e9 v mnoha p\u0159\u00edpadech zabr\u00e1n\u00ed \u017eadateli o \u00fav\u011br, aby se svou \u017e\u00e1dost\u00ed usp\u011bl. Zkoum\u00e1 se n\u011bkolik z\u00e1le\u017eitost\u00ed, mezi kter\u00e9 pat\u0159\u00ed nap\u0159\u00edklad i v\u011bk \u017eadatele, \u00fa\u010del vyu\u017eit\u00ed finan\u010dn\u00edch prost\u0159edk\u016f i to, jestli u\u017e nem\u00e1 \u017eadatel podobn\u00fd z\u00e1vazek jinde. V neposledn\u00ed \u0159ad\u011b je zkontrolov\u00e1n jeho p\u0159\u00edjem a zn\u00e1m\u00e9 registry dlu\u017en\u00edk\u016f. Jedn\u00edm slovem se tomu \u0159\u00edk\u00e1 \u201ebonita\u201c. Mnoho podnikatel\u016f m\u00e1 tu zku\u0161enost, \u017ee jejich da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nebylo uzn\u00e1no jako dostate\u010dn\u00e9. P\u0159itom je jasn\u00e9, \u017ee v n\u011bkter\u00fdch p\u0159\u00edpadech jsou p\u0159\u00edjmy t\u011b\u017eko dolo\u017eiteln\u00e9. Nebankovn\u00ed poskytovatel\u00e9 sice tak\u00e9 nahl\u00ed\u017eej\u00ed do registr\u016f a zji\u0161\u0165uj\u00ed p\u0159\u00edjmy a v\u00fddaje sv\u00e9ho budouc\u00edho klienta, ale je to zejm\u00e9na proto, aby mohla b\u00fdt vytvo\u0159ena nab\u00eddka p\u0159\u00edmo na m\u00edru konkr\u00e9tn\u00edmu \u017eadateli. Prioritou toti\u017e je, aby mohl klient bez probl\u00e9m\u016f sv\u016fj z\u00e1vazek spl\u00e1cet a nedostal se do je\u0161t\u011b v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed. \u00darokov\u00e1 sazba je velice p\u0159ijateln\u00e1 Jist\u011b ka\u017ed\u00e9ho klienta p\u0159edev\u0161\u00edm bude zaj\u00edmat, kolik bude \u010dinit \u00farokov\u00e1 m\u00edra. U nebankov\u00e9ho poskytovatele https:\/\/www.fahd.cz\/americka-hypoteka-nebankovni\/ se m\u016f\u017ee jednat o \u010d\u00e1stku od t\u0159\u00ed procent ro\u010dn\u011b.  Co\u017e je srovnateln\u00e9 s bankovn\u00edmi domy. Jestli\u017ee nem\u00e1te mo\u017enost prok\u00e1zat dostate\u010dn\u00e9 p\u0159\u00edjmy pro spl\u00e1cen\u00ed \u00fav\u011bru, pak m\u016f\u017eete tuto situaci vy\u0159e\u0161it takzvan\u00fdm spolu\u017eadatelem neboli spoludlu\u017en\u00edkem. Dalo by se \u0159\u00edci, \u017ee v\u00e1m v cest\u011b za nebankovn\u00ed hypot\u00e9kou prakticky nic nebr\u00e1n\u00ed. Jsou nab\u00edzeny i klient\u016fm n\u00edzk\u00e9ho v\u011bku.  Sta\u010d\u00ed, pokud dovr\u0161\u00ed plnoletosti a m\u016f\u017ee nab\u00eddnout nemovitost jako protihodnotu.  Z odhadu t\u00e9to nemovitosti je mo\u017en\u00e9 z\u00edskat a\u017e sedmdes\u00e1t procent. Z\u00e1le\u017e\u00ed pochopiteln\u011b na lokalit\u011b nemovitosti a na bonit\u011b \u017eadatele. Doba splatnosti se m\u016f\u017ee nastavit a\u017e na t\u0159icet let. Nen\u00ed ale probl\u00e9m v\u0161e splatit p\u0159ed\u010dasn\u011b. Samoz\u0159ejm\u011b, \u017ee bez jak\u00fdchkoliv poplatk\u016f. \u017d\u00e1dn\u00e9 poplatky ani platby nejsou vy\u017eadov\u00e1ny ani p\u0159edem.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebonitn\u00ed klient u n\u00e1s neexistuje","item":"https:\/\/www.peachpit.cz\/nebonitni-klient-u-nas-neexistuje\/#breadcrumbitem"}]}]