[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hoshi.cz\/splatky-jako-lavina\/#Article","mainEntityOfPage":"https:\/\/www.hoshi.cz\/splatky-jako-lavina\/","headline":"Spl\u00e1tky jako lavina","name":"Spl\u00e1tky jako lavina","description":"Ji\u017e dlouho \u017eijeme v byt\u011b a najednou se rozhodneme osamostatnit. Velice rychle ale zjist\u00edme, \u017ee nejde o p\u0159\u00edli\u0161 snadn\u00fd krok. D\u016fle\u017eit\u00fdm atributem jsou v tomto p\u0159\u00edpad\u011b pen\u00edze. Ty ud\u00e1vaj\u00ed, zda si m\u016f\u017eeme dovolit luxusn\u00ed s\u00eddlo nebo skromn\u00fd dome\u010dek. Pokud se... <a class=\"more-link\" href=\"https:\/\/www.hoshi.cz\/splatky-jako-lavina\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2018-09-19","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.hoshi.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.hoshi.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hoshi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hoshi.cz\/wp-content\/uploads\/img_a325564_w2689_t1537514365.jpg","url":"https:\/\/www.hoshi.cz\/wp-content\/uploads\/img_a325564_w2689_t1537514365.jpg","height":0,"width":0},"url":"https:\/\/www.hoshi.cz\/splatky-jako-lavina\/","wordCount":454,"articleBody":"Ji\u017e dlouho \u017eijeme v byt\u011b a najednou se rozhodneme osamostatnit. Velice rychle ale zjist\u00edme, \u017ee nejde o p\u0159\u00edli\u0161 snadn\u00fd krok. D\u016fle\u017eit\u00fdm atributem jsou v tomto p\u0159\u00edpad\u011b pen\u00edze. Ty ud\u00e1vaj\u00ed, zda si m\u016f\u017eeme dovolit luxusn\u00ed s\u00eddlo nebo skromn\u00fd dome\u010dek. Pokud se tedy rozhodneme finance z\u00edskat jin\u00fdm zp\u016fsobem nejsnaz\u0161\u00ed cestou je z\u00edskat p\u016fj\u010dku. Zde je zapot\u0159eb\u00ed b\u00fdt \u0159\u00e1dn\u011b obez\u0159etn\u00fd. M\u016f\u017eeme tedy volit mezi bankou a nebankovn\u00edmi institucemi. V\u011bt\u0161ina lid\u00ed se d\u00edv\u00e1 na banky skepticky, ale u\u017e si neuv\u011bdomuj\u00ed, \u017ee jejich monstr\u00f3znost a kapit\u00e1l jsou z\u00e1rukou kvality. Banky po n\u00e1s budou \u010dasto cht\u00edt fixn\u00ed spl\u00e1cen\u00ed pen\u011bz, z\u00e1ruku st\u00e1l\u00e9ho p\u0159\u00edjmu a nemovitosti. Tento krok vy\u017eaduj\u00ed banky zejm\u00e9na z toho d\u016fvodu, \u017ee si nem\u016f\u017eou dovolit o pen\u00edze p\u0159ij\u00edt. Bankovn\u00ed syst\u00e9m toti\u017e funguje tak, \u017ee p\u016fj\u010d\u00ed pen\u00edze od jin\u00e9ho klienta, kter\u00fd finance ulo\u017eil nap\u0159\u00edklad na spo\u0159\u00edc\u00ed \u00fa\u010det, pot\u0159ebuje tedy n\u011bjakou z\u00e1ruku kvality. V p\u0159\u00edpad\u011b ru\u010den\u00ed nemovitost\u00ed mus\u00edme br\u00e1t na z\u0159etel, \u017ee nedostaneme plnou hodnotu nemovitosti. Banky maj\u00ed na ur\u010dov\u00e1n\u00ed hodnoty sv\u00e9 vlastn\u00ed znalce a koeficienty. M\u016f\u017eeme tedy po\u010d\u00edtat nanejv\u00fd\u0161 s p\u016fj\u010dkou do 80 % hodnoty. Pokud v\u0161ak nespl\u0148ujeme krit\u00e9ria banky, t\u0159eba z d\u016fvodu veden\u00ed v registru dlu\u017en\u00edk\u016f mus\u00edme se obr\u00e1tit na nebankovn\u00ed spole\u010dnost. Zde se dost\u00e1v\u00e1me velice na tenk\u00fd led. Instituce poskytuj\u00edc\u00ed p\u016fj\u010dky jsou si moc dob\u0159e v\u011bdomy, \u017ee dan\u00e1 osoba nem\u00e1 na v\u00fdb\u011br, a proto si stanovuj\u00ed v\u00fd\u0161e \u00farok\u016f nesmysln\u011b vysoko. S\u00e1zej\u00ed tedy nejen na stav nouze, ale tak\u00e9 na finan\u010dn\u00ed negramotnost z\u00e1kazn\u00edk\u016f. Oproti b\u011b\u017en\u00fdm sazb\u00e1m, kter\u00e9 se u \u00fav\u011br\u016f pohybuj\u00ed kolem 3 % se m\u016f\u017eeme u nebankovn\u00edch spole\u010dnost\u00ed setkat se sazbami p\u0159es 20 %. To v\u0161ak u\u017e hrani\u010d\u00ed s lichv\u00e1\u0159stv\u00edm. Pokud m\u00e1me p\u016fj\u010dek v\u00edc nevypadaj\u00ed jednotliv\u011b p\u0159\u00edli\u0161 hroziv\u011b. Platit 300 K\u010d m\u011bs\u00ed\u010dn\u011b za televizi, 500 K\u010d za telefon a jin\u00e9. Najednou v\u0161ak vid\u00edme, jak se dost\u00e1v\u00e1me ne do stovkov\u00fdch, ale tis\u00edcov\u00fdch hodnot. Pokud nejsme dostate\u010dn\u011b finan\u010dn\u011b zaji\u0161t\u011bni m\u016f\u017eeme se snadno dostat do dluhov\u00e9 pasti. Proto je vhodn\u00e9 zaj\u00edt do banky a nav\u0161t\u00edvit \u00fav\u011brov\u00e9ho specialistu. Ten zhodnot\u00ed n\u00e1\u0161 stav a n\u00e1sledn\u011b n\u00e1m pom\u016f\u017ee spl\u00e1tky refinancovat  takov\u00fdm zp\u016fsobem, kter\u00fd je pro na\u0161i pen\u011b\u017eenku \u00fanosn\u00fd.                                                                                                                                                                                                                                                                                                                                                                                         4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spl\u00e1tky jako lavina","item":"https:\/\/www.hoshi.cz\/splatky-jako-lavina\/#breadcrumbitem"}]}]