[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rapublic.cz\/zbavte-se-dluhu-pomoci-chytre-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.rapublic.cz\/zbavte-se-dluhu-pomoci-chytre-pujcky\/","headline":"Zbavte se dluh\u016f pomoc\u00ed chytr\u00e9 p\u016fj\u010dky","name":"Zbavte se dluh\u016f pomoc\u00ed chytr\u00e9 p\u016fj\u010dky","description":"Kdy\u017e m\u00e1 \u010dlov\u011bk dluhy, tak je to zl\u00e9. Mus\u00ed na n\u011b myslet ve dne v noci a nep\u0159\u00edjemn\u00e9ho pocitu se nezbav\u00ed, dokud dlu\u017enou \u010d\u00e1stku nevyrovn\u00e1. Jen\u017ee jak to ud\u011blat? Kde vz\u00edt dostatek pen\u011bz, kdy\u017e va\u0161e p\u0159\u00edjmy nejsou tak vysok\u00e9, jak byste pot\u0159ebovali? I na splacen\u00ed dluh\u016f si na\u0161t\u011bst\u00ed m\u016f\u017eete p\u016fj\u010dit pen\u00edze. V bance v\u00e1m je","datePublished":"2020-06-22","dateModified":"2020-06-22","author":{"@type":"Person","@id":"https:\/\/www.rapublic.cz\/author\/#Person","name":"","url":"https:\/\/www.rapublic.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rapublic.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rapublic.cz\/wp-content\/uploads\/bank-1295580_640_1.png","url":"https:\/\/www.rapublic.cz\/wp-content\/uploads\/bank-1295580_640_1.png","height":0,"width":0},"url":"https:\/\/www.rapublic.cz\/zbavte-se-dluhu-pomoci-chytre-pujcky\/","about":["Finance"],"wordCount":430,"articleBody":"       Kdy\u017e m\u00e1 \u010dlov\u011bk dluhy, tak je to zl\u00e9. Mus\u00ed na n\u011b myslet ve dne v noci a nep\u0159\u00edjemn\u00e9ho pocitu se nezbav\u00ed, dokud dlu\u017enou \u010d\u00e1stku nevyrovn\u00e1. Jen\u017ee jak to ud\u011blat? Kde vz\u00edt dostatek pen\u011bz, kdy\u017e va\u0161e p\u0159\u00edjmy nejsou tak vysok\u00e9, jak byste pot\u0159ebovali? I na splacen\u00ed dluh\u016f si na\u0161t\u011bst\u00ed m\u016f\u017eete p\u016fj\u010dit pen\u00edze. V bance v\u00e1m je ov\u0161em nedaj\u00ed. Jakmile se ocitnete mezi rizikov\u00fdmi klienty, zabouchnou v\u00e1m dve\u0159e p\u0159ed nosem. Ale v nebankovn\u00ed spole\u010dnosti to za ur\u010dit\u00fdch podm\u00ednek mo\u017en\u00e9 je. A to dokonce i v p\u0159\u00edpad\u011b, kdy u\u017e v\u00e1m exekutor doslova klepe na dve\u0159e. Z\u00e1sadn\u00ed je, zda sv\u00e9 z\u00e1vazky zvl\u00e1dnete spl\u00e1cet. T\u0159eba i dlouho po mal\u00fdch \u010d\u00e1stk\u00e1ch, nic takov\u00e9ho nevad\u00ed. Ba naopak, dlouh\u00e1 doba splatnosti je u\u017eite\u010dn\u00fd n\u00e1stroj, kter\u00fd v\u00e1m umo\u017en\u00ed z\u00edskat p\u016fj\u010dku i v situaci, kdy m\u00e1te ni\u017e\u0161\u00ed p\u0159\u00edjem. Tak\u017ee pokud je va\u0161e bonita rozumn\u00e1, m\u016f\u017eete si p\u016fj\u010dit i na vyplacen\u00ed sv\u00fdch v\u011b\u0159itel\u016f. Vlastn\u011b si zde mohou p\u016fj\u010dit v\u0161ichni se solidn\u00ed bonitou, a s dobr\u00fdm ru\u010den\u00edm za \u00fav\u011br. Pr\u00e1v\u011b z\u00e1ruka, kterou za sebe postav\u00edte, je naprosto z\u00e1sadn\u00ed. To, zda budete schopni ru\u010dit nemovitost\u00ed, rozhoduje o tom, zda takov\u00fd \u00fav\u011br m\u016f\u017eete z\u00edskat. To, jak vysok\u00e1 bude jej\u00ed hodnota je ur\u010duj\u00edc\u00ed pro v\u00fd\u0161i \u010d\u00e1stky, jakou si m\u016f\u017eete p\u016fj\u010dit. V\u00fdpo\u010det je v tomto p\u0159\u00edpad\u011b prost\u00fd \u2013 \u010d\u00edm vy\u0161\u0161\u00ed bude aktu\u00e1ln\u00ed tr\u017en\u00ed hodnota nemovitosti, t\u00edm vy\u0161\u0161\u00ed \u010d\u00e1stka v\u00e1m m\u016f\u017ee ji\u017e brzy p\u0159ist\u00e1t na \u00fa\u010dtu. A z\u00edskat m\u016f\u017eete sumu pen\u011bz a\u017e do v\u00fd\u0161e sedmdes\u00e1ti procent hodnoty va\u0161\u00ed nemovitosti.  Nav\u00edc se nemus\u00ed nutn\u011b jednat o rodinn\u00fd d\u016fm, anebo byt. Vlastn\u011b v\u016fbec nez\u00e1le\u017e\u00ed na tom, co to bude. Jestli\u017ee se ru\u010den\u00ed nemovitost\u00ed ob\u00e1v\u00e1te, m\u016f\u017eete jako z\u00e1ruku za va\u0161i nebankovn\u00ed hypot\u00e9ku pou\u017e\u00edt i cokoli jin\u00e9ho, libovoln\u00fd jin\u00fd druh nemovit\u00e9ho majetku, jako je nap\u0159\u00edklad pozemek anebo chata. Dokonce za v\u00e1s m\u016f\u017ee ru\u010dit i t\u0159et\u00ed osoba, pakli\u017ee m\u00e1 po ruce vhodn\u00fd nemovit\u00fd majetek, a bude s t\u00edm souhlasit. Starou nev\u00fdhodnou p\u016fj\u010dku tak m\u016f\u017eete chyt\u0159e refinancovat, a od t\u00e9 doby budete klidn\u011b sp\u00e1t.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zbavte se dluh\u016f pomoc\u00ed chytr\u00e9 p\u016fj\u010dky","item":"https:\/\/www.rapublic.cz\/zbavte-se-dluhu-pomoci-chytre-pujcky\/#breadcrumbitem"}]}]