[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aberto.cz\/existuji-i-jine-cesty-ktere-vedou-ke-stejnemu-cili\/#Article","mainEntityOfPage":"https:\/\/www.aberto.cz\/existuji-i-jine-cesty-ktere-vedou-ke-stejnemu-cili\/","headline":"Existuj\u00ed i jin\u00e9 cesty, kter\u00e9 vedou ke stejn\u00e9mu c\u00edli","name":"Existuj\u00ed i jin\u00e9 cesty, kter\u00e9 vedou ke stejn\u00e9mu c\u00edli","description":"Pokud jsme se rozhodli pro investici do vlastn\u00edho bydlen\u00ed, tak to zrovna nemus\u00ed b\u00fdt jednoduch\u00e1 cesta. Z\u00e1le\u017e\u00ed ov\u0161em na tom, jak\u00fdm sm\u011brem se vyd\u00e1me, abychom dos\u00e1hli vytou\u017een\u00e9ho c\u00edle. A v…","datePublished":"2018-11-21","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.aberto.cz\/author\/#Person","name":"","url":"https:\/\/www.aberto.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40b5f3ce562f556955b189273c919e65fd2efecc17411a60d9172af88d0e5d58?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40b5f3ce562f556955b189273c919e65fd2efecc17411a60d9172af88d0e5d58?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aberto.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aberto.cz\/wp-content\/uploads\/img_a334423_w1706_t1548072119.jpg","url":"https:\/\/www.aberto.cz\/wp-content\/uploads\/img_a334423_w1706_t1548072119.jpg","height":0,"width":0},"url":"https:\/\/www.aberto.cz\/existuji-i-jine-cesty-ktere-vedou-ke-stejnemu-cili\/","about":["Pen\u00edze"],"wordCount":469,"articleBody":"        Pokud jsme se rozhodli pro investici do vlastn\u00edho bydlen\u00ed, tak to zrovna nemus\u00ed b\u00fdt jednoduch\u00e1 cesta. Z\u00e1le\u017e\u00ed ov\u0161em na tom, jak\u00fdm sm\u011brem se vyd\u00e1me, abychom dos\u00e1hli vytou\u017een\u00e9ho c\u00edle. A v podstat\u011b se d\u00e1 \u0159\u00edci, \u017ee v\u0161echny kroky vedou naprosto stejn\u00fdm sm\u011brem a to do banky. Pracovn\u00edci banky jsou r\u00e1di za ka\u017ed\u00e9ho klienta a my zase jsme v podstat\u011b r\u00e1di, \u017ee usp\u011bjeme v tak ov\u011b\u0159en\u00e9m institutu. Ale pozor tohle vypad\u00e1 jednodu\u0161eji, ne\u017e to ve skute\u010dnosti je. \u010cek\u00e1 n\u00e1s p\u0159edev\u0161\u00edm spoustu pap\u00edrov\u00e1n\u00ed, ov\u011b\u0159ov\u00e1n\u00ed a p\u0159itom z\u00e1v\u011bre\u010dn\u00fd verdikt m\u016f\u017ee zn\u00edt nep\u0159\u00edzniv\u011b pro n\u00e1s. Banky si toti\u017e mohou samy ur\u010dit podle bonity klienta, kdo bude pro ni v\u00fdhodn\u00fdm \u017eadatelem, kter\u00e9mu \u00fav\u011br poskytnou. Samoz\u0159ejm\u011b budeme hodn\u011b ovlivn\u011bni i takov\u00fdm posuzov\u00e1n\u00edm, kter\u00e9 jsme nijak nezap\u0159\u00ed\u010dinili a to nap\u0159\u00edklad ze z\u00e1znamu v rejst\u0159\u00edku dlu\u017en\u00edk\u016f. To nemus\u00ed znamenat ov\u0161em konec N\u011bkdy se zkr\u00e1tka v\u011bci mus\u00ed p\u0159ehodnotit. V bankovnictv\u00ed, jako tak\u00e9m se toho posledn\u00ed dobou odehr\u00e1lo p\u0159\u00edli\u0161 mnoho a je pravdou, \u017ee pro n\u011bkter\u00e9 \u017eadatele zde cesty p\u0159es banku z\u016fstanou zav\u0159en\u00e9. Sice ne napo\u0159\u00e1d, ale kdy\u017e bychom pot\u0159ebovali \u00fav\u011br co nejd\u0159\u00edve, tak m\u016f\u017eeme skute\u010dn\u011b pochodit s ne\u00fasp\u011bchem. Ov\u0161em banka nen\u00ed jedin\u00fd institut, na kter\u00fd se m\u016f\u017eeme obr\u00e1tit. Pomoci n\u00e1m v tomto p\u0159\u00edpadu m\u016f\u017ee nebankovn\u00ed hypot\u00e9ka od \u010cesk\u00e9 spole\u010dnosti. Podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed jsou daleko jednodu\u0161\u0161\u00ed a tak\u00e9 ve\u0161ker\u00e9 rozhodov\u00e1n\u00ed a pap\u00edrov\u00e1n\u00ed je zkr\u00e1ceno na minimum, co\u017e je velk\u00e1 v\u00fdhoda. Pen\u00edze se daj\u00ed pou\u017e\u00edt na cokoliv Mo\u017en\u00e1 n\u011bkoho m\u016f\u017ee odradit n\u00e1zev nebankovn\u00ed, ale to se tak\u00e9 hodn\u011b zm\u011bnilo. Lichv\u00e1\u0159\u016fm, kte\u0159\u00ed se sna\u017eili z\u00edskat co nejv\u00edce z \u00farokov\u00fdch sazeb a m\u011bli dal\u0161\u00ed nesmysln\u00e9 podm\u00ednky, je d\u00e1vno veta. U nebankovn\u00ed spole\u010dnosti se prakticky d\u00e1 hypot\u00e9\u010dn\u00ed \u00fav\u011br z\u00edskat za pomalu stejn\u00fdch podm\u00ednek jako u banky, n\u00edzk\u00fd \u00farok, rozlo\u017een\u00ed do dlouhodob\u00e9ho spl\u00e1cen\u00ed, mo\u017enost splatit hypot\u00e9ku i d\u0159\u00edve a podobn\u011b. D\u00e1le je vhodn\u00fdm \u0159e\u0161en\u00ed na n\u00e1kup prakticky \u010dehokoliv, nemus\u00ed to b\u00fdt zrovna pouze jen objekt na bydlen\u00ed. Zakoupit se d\u00e1 vybaven\u00ed do bytu, auto, dovolen\u00e1, refinancovat nev\u00fdhodn\u00e9 p\u016fj\u010dky, ale i se vyplatit z r\u016fzn\u00fdch dluh\u016f nebo exekuc\u00ed. D\u00e1v\u00e1 ur\u010ditou mo\u017enost a finan\u010dn\u00ed svobodu, co\u017e se v\u017edycky vyplat\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Existuj\u00ed i jin\u00e9 cesty, kter\u00e9 vedou ke stejn\u00e9mu c\u00edli","item":"https:\/\/www.aberto.cz\/existuji-i-jine-cesty-ktere-vedou-ke-stejnemu-cili\/#breadcrumbitem"}]}]