[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eleste.cz\/kdyz-jsou-prijmy-problem\/#Article","mainEntityOfPage":"https:\/\/www.eleste.cz\/kdyz-jsou-prijmy-problem\/","headline":"Kdy\u017e jsou p\u0159\u00edjmy probl\u00e9m","name":"Kdy\u017e jsou p\u0159\u00edjmy probl\u00e9m","description":"Pokud si p\u016fj\u010duje ten, kdo m\u00e1 dost pen\u011bz, dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy a v\u0161estrann\u011b \u010dist\u00fd \u0161t\u00edt, co se jeho finan\u010dn\u00ed situace t\u00fdk\u00e1, je to pom\u011brn\u011b hra\u010dka. Tomu p\u016fj\u010d\u00ed pomalu v\u0161ude a on si tak m\u016f\u017ee z r\u016fzn\u00fdch poskytovatel\u016f p\u016fj\u010dek a jejich nab\u00eddek vyb\u00edrat. A takov\u00ed lid\u00e9 nejsou utopi\u00ed \u2013 jsou to ti, kdo pot\u0159ebuj\u00ed u\u010dinit jednor\u00e1zov\u00fd […]","datePublished":"2020-09-20","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.eleste.cz\/author\/#Person","name":"eleste.cz","url":"https:\/\/www.eleste.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/60cfa630c84b6c399b95e807e4bc5b6bfe4f26a47dceacbf179d7148760edc6a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eleste.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.eleste.cz\/wp-content\/uploads\/zma%C4%8Dkan%C3%A9%20bankovky.jpg","url":"https:\/\/www.eleste.cz\/wp-content\/uploads\/zma%C4%8Dkan%C3%A9%20bankovky.jpg","height":0,"width":0},"url":"https:\/\/www.eleste.cz\/kdyz-jsou-prijmy-problem\/","about":["D\u016fm a byt"],"wordCount":448,"articleBody":"   Pokud si p\u016fj\u010duje ten, kdo m\u00e1 dost pen\u011bz, dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy a v\u0161estrann\u011b \u010dist\u00fd \u0161t\u00edt, co se jeho finan\u010dn\u00ed situace t\u00fdk\u00e1, je to pom\u011brn\u011b hra\u010dka. Tomu p\u016fj\u010d\u00ed pomalu v\u0161ude a on si tak m\u016f\u017ee z r\u016fzn\u00fdch poskytovatel\u016f p\u016fj\u010dek a jejich nab\u00eddek vyb\u00edrat. A takov\u00ed lid\u00e9 nejsou utopi\u00ed \u2013 jsou to ti, kdo pot\u0159ebuj\u00ed u\u010dinit jednor\u00e1zov\u00fd v\u00fddaj, na kter\u00fd ani horentn\u00ed p\u0159\u00edjmy jedince nesta\u010d\u00ed.Jen\u017ee v\u011bt\u0161ina lid\u00ed si p\u016fj\u010duje proto, \u017ee na tom finan\u010dn\u011b tak dob\u0159e nen\u00ed a pot\u0159ebuje takovou p\u016fj\u010dkou vy\u0159e\u0161it klidn\u011b i jenom vysloven\u00e9 existen\u010dn\u00ed probl\u00e9my. A u takov\u00fdch u\u017e je to se z\u00edsk\u00e1n\u00edm p\u016fj\u010dky o pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed.\u010clov\u011bk, kter\u00fd m\u00e1 jenom velice n\u00edzk\u00e9 p\u0159\u00edjmy, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, exekuce, dal\u0161\u00ed nesplacen\u00e9 p\u016fj\u010dky a dal\u0161\u00ed komplikace, si z p\u016fj\u010dek a finan\u010dn\u00edch instituc\u00ed, je\u017e mu je jsou ochotny poskytnout, vyb\u00edrat rozhodn\u011b nem\u016f\u017ee. Proto\u017ee jakmile se pokus\u00ed v\u011bt\u0161inu z nab\u00edzej\u00edc\u00edch se p\u016fj\u010dek z\u00edskat, je odm\u00edtnut. Nen\u00ed p\u0159ece dostate\u010dn\u011b bonitn\u00ed, nespl\u0148uje to, co se od \u017eadatele o\u010dek\u00e1v\u00e1. A pak zejm\u00e9na banky odm\u00edtnou vyhov\u011bt.Takov\u00fd \u017eadatel pak mo\u017en\u00e1 i vysloven\u011b zaj\u00e1s\u00e1, kdy\u017e se mu nab\u00eddne hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. V tu chv\u00edli toti\u017e n\u011bkdo takov\u00fd vytu\u0161\u00ed svou \u0161anci. Kdy\u017e m\u00e1 p\u0159\u00edli\u0161 n\u00edzk\u00e9 p\u0159\u00edjmy, je p\u0159ece jasn\u00e9, \u017ee je skv\u011bl\u00e9, \u017ee se nebude poskytovatel o tyto zaj\u00edmat.A \u017eadatel by pak nem\u011bl p\u0159ich\u00e1zet o iluze ani tehdy, kdy\u017e zjist\u00ed, \u017ee i u t\u011bchto p\u016fj\u010dek se nebankovn\u00ed spole\u010dnost o \u017eadatelovy p\u0159\u00edjmy zaj\u00edm\u00e1. Proto\u017ee skute\u010dnost, \u017ee se poskytovatel p\u016fj\u010dky zept\u00e1 na to, zda m\u00e1 uchaze\u010d z \u010deho spl\u00e1cet, je\u0161t\u011b neznamen\u00e1, \u017ee bude \u017e\u00e1dost pro n\u00edzk\u00e9 p\u0159\u00edjmy zam\u00edtnuta. U nebankovn\u00ed hypot\u00e9ky toti\u017e sta\u010d\u00ed i velmi n\u00edzk\u00e9 p\u0159\u00edjmy, je\u017e pokryj\u00ed budouc\u00ed spl\u00e1tky, a proto se prov\u011b\u0159ov\u00e1n\u00ed p\u0159\u00edjm\u016f v tomto p\u0159\u00edpad\u011b nen\u00ed t\u0159eba b\u00e1t. Stejn\u011b jako se tu akceptuje i spousta dal\u0161\u00edch \u017eadatelov\u00fdch potenci\u00e1ln\u00edch nedostatk\u016f.A proto je takov\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu i s nezbytn\u00fdm dolo\u017een\u00edm p\u0159\u00edjmu dostupn\u00e1 i t\u011bm, kdo maj\u00ed probl\u00e9my. A to za dobr\u00fdch podm\u00ednek.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e jsou p\u0159\u00edjmy probl\u00e9m","item":"https:\/\/www.eleste.cz\/kdyz-jsou-prijmy-problem\/#breadcrumbitem"}]}]