[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zkz-cv.cz\/jak-funguji-nebankovni-pujcky-se-zastavou-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.zkz-cv.cz\/jak-funguji-nebankovni-pujcky-se-zastavou-nemovitosti\/","headline":"Jak funguj\u00ed nebankovn\u00ed p\u016fj\u010dky se z\u00e1stavou nemovitosti?","name":"Jak funguj\u00ed nebankovn\u00ed p\u016fj\u010dky se z\u00e1stavou nemovitosti?","description":"V sou\u010dasn\u00e9 ekonomick\u00e9 situaci trp\u00ed st\u00e1le v\u00edce dom\u00e1cnost\u00ed nedostatkem finan\u010dn\u00edch prost\u0159edk\u016f. Nen\u00ed tedy divu, \u017ee se je mnoz\u00ed pokou\u0161\u00ed vy\u0159e\u0161it p\u016fj\u010dkou. Zde je v\u0161ak ot\u00e1zkou, jak vybrat z velk\u00e9ho mno\u017estv\u00ed nab\u00eddek tu spr\u00e1vnou, abychom z\u00edskali pot\u0159ebn\u00e9 pen\u00edze, av\u0161ak z\u00e1rove\u0148 nespadli do dluhov\u00e9 spir\u00e1ly. Zdaleka nejjist\u011bj\u0161\u00ed je p\u016fj\u010dit si u banky, av\u0161ak vzhledem k tomu, jak...","datePublished":"2023-04-17","dateModified":"2023-04-17","author":{"@type":"Person","@id":"https:\/\/www.zkz-cv.cz\/author\/#Person","name":"","url":"https:\/\/www.zkz-cv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zkz-cv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zkz-cv.cz\/wp-content\/uploads\/pujcka5_10_2.jpg","url":"https:\/\/www.zkz-cv.cz\/wp-content\/uploads\/pujcka5_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.zkz-cv.cz\/jak-funguji-nebankovni-pujcky-se-zastavou-nemovitosti\/","about":["Finance"],"wordCount":428,"articleBody":"       V sou\u010dasn\u00e9 ekonomick\u00e9 situaci trp\u00ed st\u00e1le v\u00edce dom\u00e1cnost\u00ed nedostatkem finan\u010dn\u00edch prost\u0159edk\u016f. Nen\u00ed tedy divu, \u017ee se je mnoz\u00ed pokou\u0161\u00ed vy\u0159e\u0161it p\u016fj\u010dkou. Zde je v\u0161ak ot\u00e1zkou, jak vybrat z velk\u00e9ho mno\u017estv\u00ed nab\u00eddek tu spr\u00e1vnou, abychom z\u00edskali pot\u0159ebn\u00e9 pen\u00edze, av\u0161ak z\u00e1rove\u0148 nespadli do dluhov\u00e9 spir\u00e1ly. Zdaleka nejjist\u011bj\u0161\u00ed je p\u016fj\u010dit si u banky, av\u0161ak vzhledem k tomu, jak p\u0159\u00edsn\u00e9 podm\u00ednky maj\u00ed, v\u011bt\u0161inou \u017e\u00e1dost \u00fasp\u011bch m\u00edt nebude. Z toho samoz\u0159ejm\u011b profituj\u00ed nebankovn\u00ed spole\u010dnosti, kter\u00e9 maj\u00ed podm\u00ednky pro poskytnut\u00ed p\u016fj\u010dky mnohem voln\u011bj\u0161\u00ed.Jednou ze st\u00e1lic jejich nab\u00eddek jsou i nebankovn\u00ed p\u016fj\u010dky se z\u00e1stavou nemovitosti. Ty funguj\u00ed tak, \u017ee dostanete pen\u00edze, av\u0161ak jako protihodnotu mus\u00edte d\u00e1t v z\u00e1stavu nemovitost pat\u0159i\u010dn\u00e9 hodnoty. Po \u0159\u00e1dn\u00e9m splacen\u00ed cel\u00e9 \u010d\u00e1stky v\u010detn\u011b v\u0161ech \u00farok\u016f a poplatk\u016f bude z\u00e1stava zru\u0161ena. Co to ale p\u0159esn\u011b znamen\u00e1?Jednodu\u0161e \u0159e\u010deno, vlastn\u00edkem onoho domu, bytu \u010di pozemku se po dobu spl\u00e1cen\u00ed stane poskytovatel p\u016fj\u010dky. Vy ji sice m\u016f\u017eete vyu\u017e\u00edvat stejn\u011b jako doposud, av\u0161ak pokud nebudete spl\u00e1cet, m\u016f\u017ee v\u00e1s poskytovatel vyst\u011bhovat a nemovitost prodat, p\u0159i\u010dem\u017e pen\u00edze takto z\u00edskan\u00e9 pou\u017eije na pokryt\u00ed va\u0161eho dluhu.To se zd\u00e1 pom\u011brn\u011b nev\u00fdhodn\u00e9. Pro\u010d tedy lid\u00e9 tuto variantu vol\u00ed? Jednodu\u0161e proto, \u017ee je snadno dostupn\u00e1. Po\u017eadavky na \u017eadatele nejsou nijak velk\u00e9 \u2013 v podstat\u011b sta\u010d\u00ed jen b\u00fdt vlastn\u00edkem nemovitosti dan\u00e9 hodnoty. Mohou si ji tedy vz\u00edt i lid\u00e9, kter\u00fdm byl jin\u00fd typ zam\u00edtnut.Je v\u0161ak t\u0159eba \u0159\u00edci, \u017ee riziko je zde samoz\u0159ejm\u011b pom\u011brn\u011b velk\u00e9. Proto bychom si m\u011bli je\u0161t\u011b p\u0159ed podpisem smlouvy skute\u010dn\u011b dob\u0159e rozmyslet, zda budeme schopni celou \u010d\u00e1stku splatit, a to i v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch ud\u00e1lost\u00ed, jako je ztr\u00e1ta zam\u011bstn\u00e1n\u00ed \u010di dlouhodob\u00e9 onemocn\u011bn\u00ed. V mnoha p\u0159\u00edpadech toti\u017e zjist\u00edme, \u017ee je p\u0159eci jen lep\u0161\u00ed zvolit jinou variantu, by\u0165 zdaleka ne tak jednoduchou a pohodlnou.To je v\u0161ak skute\u010dnost, kterou si mnoho lid\u00ed neuv\u011bdomuje. A to nen\u00ed dob\u0159e, nebo\u0165 p\u0159ij\u00edt o st\u0159echu nad hlavou je jedna z nejhor\u0161\u00edch v\u011bc\u00ed, kter\u00e9 se mohou \u010dlov\u011bku st\u00e1t, zvl\u00e1\u0161t\u011b kdy\u017e m\u00e1 d\u011bti. Domov toti\u017e rozhodn\u011b pot\u0159ebujeme.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak funguj\u00ed nebankovn\u00ed p\u016fj\u010dky se z\u00e1stavou nemovitosti?","item":"https:\/\/www.zkz-cv.cz\/jak-funguji-nebankovni-pujcky-se-zastavou-nemovitosti\/#breadcrumbitem"}]}]