[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.skoop.cz\/nebankovni-sektor-pomaha\/#Article","mainEntityOfPage":"https:\/\/www.skoop.cz\/nebankovni-sektor-pomaha\/","headline":"Nebankovn\u00ed sektor pom\u00e1h\u00e1","name":"Nebankovn\u00ed sektor pom\u00e1h\u00e1","description":"Finan\u010dn\u00edch instituc\u00ed, kter\u00e9 nab\u00edzej\u00ed p\u016fj\u010dky, je v\u0161ude kolem n\u00e1s dost a dost a na jejich reklamy nar\u00e1\u017e\u00edme pomalu na ka\u017ed\u00e9m kroku. Neznal\u00e9mu \u010dlov\u011bku by tak mohlo p\u0159ipadnout, \u017ee dostat se do finan\u010dn\u00edch probl\u00e9m\u016f nemus\u00ed znamenat \u017e\u00e1dn\u00e9 t\u011b\u017ekosti. V\u017edy\u0165 kdy\u017e \u010dlov\u011bk nevyjde s pen\u011bzi, jednodu\u0161e si zab\u011bhne do banky a tam","datePublished":"2019-08-27","dateModified":"2019-08-27","author":{"@type":"Person","@id":"https:\/\/www.skoop.cz\/author\/#Person","name":"","url":"https:\/\/www.skoop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"skoop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.skoop.cz\/wp-content\/uploads\/img_a360138_w2005_t1574015645.jpg","url":"https:\/\/www.skoop.cz\/wp-content\/uploads\/img_a360138_w2005_t1574015645.jpg","height":0,"width":0},"url":"https:\/\/www.skoop.cz\/nebankovni-sektor-pomaha\/","about":["Ekonomika"],"wordCount":454,"articleBody":"   Finan\u010dn\u00edch instituc\u00ed, kter\u00e9  nab\u00edzej\u00ed p\u016fj\u010dky, je v\u0161ude  kolem n\u00e1s dost a dost a na jejich reklamy nar\u00e1\u017e\u00edme pomalu na ka\u017ed\u00e9m kroku. Neznal\u00e9mu \u010dlov\u011bku by tak mohlo p\u0159ipadnout, \u017ee dostat se do finan\u010dn\u00edch probl\u00e9m\u016f nemus\u00ed znamenat \u017e\u00e1dn\u00e9 t\u011b\u017ekosti. V\u017edy\u0165 kdy\u017e \u010dlov\u011bk nevyjde s pen\u011bzi, jednodu\u0161e si zab\u011bhne do banky a tam si chyb\u011bj\u00edc\u00ed hotovost p\u016fj\u010d\u00ed. A je to. Ov\u0161em ono to tak jednoduch\u00e9 v\u016fbec nen\u00ed. Proto\u017ee p\u016fj\u010dek se sice nab\u00edz\u00ed dost a dost a tyto se v reklam\u00e1ch nejednou p\u0159\u00edmo p\u0159edh\u00e1n\u011bj\u00ed ve sv\u00e9 \u00fadajn\u00e9 v\u00fdhodnosti, jen\u017ee jakmile se o n\u011bjakou takovou nab\u00eddku za\u010dne zaj\u00edmat \u010dlov\u011bk, kter\u00fd je v nesn\u00e1z\u00edch, nejednou jsou r\u00e1zem ve\u0161ker\u00e9 nad\u011bje ty tam. V bance po\u017e\u00e1daj\u00ed o prok\u00e1z\u00e1n\u00ed dostate\u010dn\u011b vysok\u00fdch p\u0159\u00edjm\u016f, o dob\u0159e vypadaj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, nahl\u00e9dnou do registr\u016f dlu\u017en\u00edk\u016f, p\u0159\u00edpadn\u011b tam odhal\u00ed dal\u0161\u00ed \u017eadatelovy dluhy nebo dokonce hroz\u00edc\u00ed exekuce a v tu r\u00e1nu je nad\u011bje na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky ta tam. Takov\u00fd \u017eadatel nen\u00ed pro banku d\u016fv\u011bryhodn\u00fd a t\u00e9to finan\u010dn\u00ed instituci nestoj\u00ed za mo\u017en\u00e9 riziko, \u017ee se j\u00ed pen\u00edze u\u017e nikdy nevr\u00e1t\u00ed. A co potom? Potom takov\u00e9mu z\u00e1jemci o p\u016fj\u010dku, lhostejno zda spot\u0159ebiteli nebo podnikateli, nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e zkusit \u0161t\u011bst\u00ed u n\u011bjak\u00e9 nebankovn\u00ed spole\u010dnosti, tedy u n\u011bkoho, kdo b\u00fdv\u00e1 v mnoha ohledech flexibiln\u011bj\u0161\u00ed ne\u017e banka a m\u016f\u017ee tak nab\u00eddnout sch\u016fdn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed. T\u0159eba takov\u00e1 americk\u00e1 nebankovn\u00ed hypot\u00e9ka Hypot\u00e9ky bez registru je pro podobn\u00e9 neide\u00e1ln\u00ed \u017eadatele \u010dasto t\u00edm jedin\u00fdm dosa\u017eiteln\u00fdm \u0159e\u0161en\u00edm. Proto\u017ee zde sta\u010d\u00ed pouze prok\u00e1z\u00e1n\u00ed p\u0159\u00edjm\u016f, kter\u00e9 sta\u010d\u00ed na alespo\u0148 minim\u00e1ln\u00ed spl\u00e1tky, plus zaru\u010den\u00ed se za p\u016fj\u010dku vhodnou nemovitost\u00ed. A nic v\u00edc. Kdo dok\u00e1\u017ee vyhov\u011bt v t\u011bchto dvou bodech, m\u016f\u017ee z\u00edskat a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny takov\u00e9 nemovitosti, je\u017e m\u016f\u017ee pou\u017e\u00edt na cokoliv a n\u00e1sledn\u011b je spl\u00e1cet t\u0159eba i po cel\u00fdch dlouh\u00fdch t\u0159icet let. Co\u017e, jak jist\u011b uzn\u00e1te, je skv\u011bl\u00e1 nab\u00eddka. Nav\u00edc o to skv\u011blej\u0161\u00ed, \u017ee to nejsou jej\u00ed jedin\u00e9 p\u0159ednosti. Jak se o tom hrav\u011b p\u0159esv\u011bd\u010d\u00ed ka\u017ed\u00fd, kdo si p\u0159e\u010dte podrobn\u00e9 podm\u00ednky. T\u0159eba i vy, m\u00e1te-li probl\u00e9my.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed sektor pom\u00e1h\u00e1","item":"https:\/\/www.skoop.cz\/nebankovni-sektor-pomaha\/#breadcrumbitem"}]}]