[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.anov.cz\/muze-se-sen-o-vlastnim-bydleni-splnit\/#Article","mainEntityOfPage":"https:\/\/www.anov.cz\/muze-se-sen-o-vlastnim-bydleni-splnit\/","headline":"M\u016f\u017ee se sen o vlastn\u00edm bydlen\u00ed splnit?","name":"M\u016f\u017ee se sen o vlastn\u00edm bydlen\u00ed splnit?","description":"Vlastn\u00ed bydlen\u00ed m\u016f\u017ee b\u00fdt pro mnoho lid\u00ed nedosa\u017eiteln\u00fdm snem, nen\u00ed se \u010demu divit, dne\u0161n\u00ed ceny byt\u016f pota\u017emo rodinn\u00fdch dom\u016f sahaj\u00ed do astronomick\u00fdch \u010d\u00e1stech a mnoho…","datePublished":"2020-08-11","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.anov.cz\/author\/#Person","name":"","url":"https:\/\/www.anov.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"anov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.anov.cz\/wp-content\/uploads\/prodej%20domu_3.jpg","url":"https:\/\/www.anov.cz\/wp-content\/uploads\/prodej%20domu_3.jpg","height":0,"width":0},"url":"https:\/\/www.anov.cz\/muze-se-sen-o-vlastnim-bydleni-splnit\/","about":["Ekonomika"],"wordCount":419,"articleBody":"   Vlastn\u00ed bydlen\u00ed m\u016f\u017ee b\u00fdt pro mnoho lid\u00ed nedosa\u017eiteln\u00fdm snem, nen\u00ed se \u010demu divit, dne\u0161n\u00ed ceny byt\u016f pota\u017emo rodinn\u00fdch dom\u016f sahaj\u00ed do astronomick\u00fdch \u010d\u00e1stech a mnoho lid\u00ed se neztoto\u017en\u00ed s my\u0161lenkou, \u017ee po\u0159\u00edzen\u00edm tohoto \u201eluxusu\u201c se up\u00ed\u0161\u00ed bankovn\u00ed \u010di nebankovn\u00ed spole\u010dnosti i na n\u011bkolik des\u00edtek let. I p\u0159esto se nakonec cel\u00e1 \u0159ada lid\u00ed rozhodne, p\u0159eji jenom do banky zav\u00edtat a informovat se o mo\u017enostech, kter\u00e9 jim jejich banka m\u016f\u017ee nab\u00eddnout. Jen\u017ee banky jsou bohu\u017eel, mo\u017en\u00e1 bohud\u00edk, v zadlu\u017eov\u00e1n\u00ed sv\u00fdch klient\u016f nekompromisn\u00ed a na hypote\u010dn\u00ed \u00fav\u011br nedos\u00e1hne ka\u017ed\u00fd. Vekou p\u0159ek\u00e1\u017ekou m\u016f\u017ee b\u00fdt negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f, \u0161patn\u00e1 platebn\u00ed mor\u00e1lka, n\u00edzk\u00fd nebo nepravideln\u00fd p\u0159\u00edjem a cel\u00e1 \u0159ada dal\u0161\u00edch aspekt\u016f, kter\u00e9 banka zdlouhav\u011b zkoum\u00e1 a na z\u00e1klad\u011b nich vyhodnot\u00ed \u017e\u00e1dost kladn\u011b \u010di j\u00ed zam\u00edtne. Jejich vymezen\u00e9 tabulky p\u0159esn\u011b ur\u010duj\u00ed, kdo na takovou p\u016fj\u010dku dos\u00e1hne a kdo naopak odejde s nepo\u0159\u00edzenou. Pokud se by\u0165 jen prstem jedn\u00e9 ruky dot\u00fdk\u00e1te pomysln\u00e9 linie skupiny tzv. rizikov\u00fdch uchaze\u010d\u016f, banka ve v\u00e1s vid\u00ed p\u0159\u00edli\u0161 velk\u00e9 riziko a dom\u016f odejdete s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed s nepo\u0159\u00edzenou. Stejn\u00fd osud v\u00e1s s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed potk\u00e1 i v p\u0159\u00edpad\u011b, kdy va\u0161e platebn\u00ed minulost nen\u00ed zrovna bez poskvrnky. Sta\u010d\u00ed jedna pozd\u011b nesplacen\u00e1 faktura a va\u0161e \u00fadaje se mohou b\u011bhem okam\u017eiku objevit v registrech dlu\u017en\u00edk\u016f. Bance je pak ale \u00fapln\u011b jedno, zda se jednalo o zapomenutou spl\u00e1tku na mobiln\u00ed slu\u017eby nebo daleko z\u00e1va\u017en\u011bj\u0161\u00ed proh\u0159e\u0161ek. U\u017e d\u00e1vno neplat\u00ed, \u017ee v registru dlu\u017en\u00edk\u016f se objev\u00ed pouze osoby s n\u011bkolikasettis\u00edcov\u00fdmi dluhy, do registru dlu\u017en\u00edk\u016f se dnes m\u016f\u017eete dostat, ani nev\u00edte jak. Za pov\u0161imnut\u00ed stoj\u00ed nebankovn\u00ed spole\u010dnostiNebankovn\u00ed spole\u010dnosti \u010dasto c\u00edl\u00ed pr\u00e1v\u011b na klienty, kter\u00fdm z n\u011bjak\u00e9ho d\u016fvodu banka jejich \u017e\u00e1dost o \u00fav\u011br zam\u00edtla. Na rozd\u00edl od bankovn\u00edch spole\u010dnost\u00ed je nebankovn\u00ed sektor p\u0159eci jenom ke sv\u00fdm \u017eadatel\u016fm p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed a nab\u00edz\u00ed takov\u00e9 produkty jako americk\u00fd hypot\u00e9ky bez registru \u010di dolo\u017een\u00ed p\u0159\u00edjm\u016f nebo rychl\u00e9 \u00fav\u011bry, kdy si m\u016f\u017eete p\u016fj\u010dit i v \u0159\u00e1dech stovek korun.                                                                                                                                                                                                                                                                                                                                                                                           4.7\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u016f\u017ee se sen o vlastn\u00edm bydlen\u00ed splnit?","item":"https:\/\/www.anov.cz\/muze-se-sen-o-vlastnim-bydleni-splnit\/#breadcrumbitem"}]}]