[{"@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\/bankovky%20v%20kapse_6.jpg","url":"https:\/\/www.rapublic.cz\/wp-content\/uploads\/bankovky%20v%20kapse_6.jpg","height":0,"width":0},"url":"https:\/\/www.rapublic.cz\/zbavte-se-dluhu-pomoci-chytre-pujcky\/","about":["Finance"],"wordCount":432,"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.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@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"}]}]