[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jmpas.cz\/nebonitni-klient-u-nas-neexistuje\/#Article","mainEntityOfPage":"https:\/\/www.jmpas.cz\/nebonitni-klient-u-nas-neexistuje\/","headline":"Nebonitn\u00ed klient u n\u00e1s neexistuje","name":"Nebonitn\u00ed klient u n\u00e1s neexistuje","description":"Bankovn\u00ed instituce jsou v\u00e1z\u00e1ny mechanismy, kter\u00e9 v mnoha p\u0159\u00edpadech zabr\u00e1n\u00ed \u017eadateli o \u00fav\u011br, aby se svou \u017e\u00e1dost\u00ed usp\u011bl. Zkoum\u00e1 se n\u011bkolik z\u00e1le\u017eitost\u00ed, mezi kter\u00e9 pat\u0159\u00ed nap\u0159\u00edklad i v\u011bk \u017eadatele, \u00fa\u010del vyu\u017eit\u00ed finan\u010dn\u00edch prost\u0159edk\u016f i to, jestli u\u017e nem\u00e1 \u017eadatel podobn\u00fd z\u00e1vazek jinde. V neposledn\u00ed \u0159ad\u011b je zkontrolov\u00e1n jeho p\u0159\u00edjem a zn\u00e1m\u00e9 registry dlu\u017en\u00edk\u016f. Jedn\u00edm slovem…","datePublished":"2019-09-15","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.jmpas.cz\/author\/#Person","name":"jmpas.cz\n","url":"https:\/\/www.jmpas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jmpas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jmpas.cz\/wp-content\/uploads\/img_a346576_w1717_t1560931423.jpg","url":"https:\/\/www.jmpas.cz\/wp-content\/uploads\/img_a346576_w1717_t1560931423.jpg","height":0,"width":0},"url":"https:\/\/www.jmpas.cz\/nebonitni-klient-u-nas-neexistuje\/","about":["Finance"],"wordCount":375,"articleBody":"         Bankovn\u00ed instituce jsou v\u00e1z\u00e1ny mechanismy, kter\u00e9 v mnoha p\u0159\u00edpadech zabr\u00e1n\u00ed \u017eadateli o \u00fav\u011br, aby se svou \u017e\u00e1dost\u00ed usp\u011bl. Zkoum\u00e1 se n\u011bkolik z\u00e1le\u017eitost\u00ed, mezi kter\u00e9 pat\u0159\u00ed nap\u0159\u00edklad i v\u011bk \u017eadatele, \u00fa\u010del vyu\u017eit\u00ed finan\u010dn\u00edch prost\u0159edk\u016f i to, jestli u\u017e nem\u00e1 \u017eadatel podobn\u00fd z\u00e1vazek jinde. V neposledn\u00ed \u0159ad\u011b je zkontrolov\u00e1n jeho p\u0159\u00edjem a zn\u00e1m\u00e9 registry dlu\u017en\u00edk\u016f. Jedn\u00edm slovem se tomu \u0159\u00edk\u00e1 \u201ebonita\u201c. Mnoho podnikatel\u016f m\u00e1 tu zku\u0161enost, \u017ee jejich da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nebylo uzn\u00e1no jako dostate\u010dn\u00e9. P\u0159itom je jasn\u00e9, \u017ee v n\u011bkter\u00fdch p\u0159\u00edpadech jsou p\u0159\u00edjmy t\u011b\u017eko dolo\u017eiteln\u00e9. Nebankovn\u00ed poskytovatel\u00e9 sice tak\u00e9 nahl\u00ed\u017eej\u00ed do registr\u016f a zji\u0161\u0165uj\u00ed p\u0159\u00edjmy a v\u00fddaje sv\u00e9ho budouc\u00edho klienta, ale je to zejm\u00e9na proto, aby mohla b\u00fdt vytvo\u0159ena nab\u00eddka p\u0159\u00edmo na m\u00edru konkr\u00e9tn\u00edmu \u017eadateli. Prioritou toti\u017e je, aby mohl klient bez probl\u00e9m\u016f sv\u016fj z\u00e1vazek spl\u00e1cet a nedostal se do je\u0161t\u011b v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed. \u00darokov\u00e1 sazba je velice p\u0159ijateln\u00e1 Jist\u011b ka\u017ed\u00e9ho klienta p\u0159edev\u0161\u00edm bude zaj\u00edmat, kolik bude \u010dinit \u00farokov\u00e1 m\u00edra. U nebankov\u00e9ho poskytovatele https:\/\/www.fahd.cz\/americka-hypoteka-nebankovni\/ se m\u016f\u017ee jednat o \u010d\u00e1stku od t\u0159\u00ed procent ro\u010dn\u011b.  Co\u017e je srovnateln\u00e9 s bankovn\u00edmi domy. Jestli\u017ee nem\u00e1te mo\u017enost prok\u00e1zat dostate\u010dn\u00e9 p\u0159\u00edjmy pro spl\u00e1cen\u00ed \u00fav\u011bru, pak m\u016f\u017eete tuto situaci vy\u0159e\u0161it takzvan\u00fdm spolu\u017eadatelem neboli spoludlu\u017en\u00edkem. Dalo by se \u0159\u00edci, \u017ee v\u00e1m v cest\u011b za nebankovn\u00ed hypot\u00e9kou prakticky nic nebr\u00e1n\u00ed. Jsou nab\u00edzeny i klient\u016fm n\u00edzk\u00e9ho v\u011bku.  Sta\u010d\u00ed, pokud dovr\u0161\u00ed plnoletosti a m\u016f\u017ee nab\u00eddnout nemovitost jako protihodnotu.  Z odhadu t\u00e9to nemovitosti je mo\u017en\u00e9 z\u00edskat a\u017e sedmdes\u00e1t procent. Z\u00e1le\u017e\u00ed pochopiteln\u011b na lokalit\u011b nemovitosti a na bonit\u011b \u017eadatele. Doba splatnosti se m\u016f\u017ee nastavit a\u017e na t\u0159icet let. Nen\u00ed ale probl\u00e9m v\u0161e splatit p\u0159ed\u010dasn\u011b. Samoz\u0159ejm\u011b, \u017ee bez jak\u00fdchkoliv poplatk\u016f. \u017d\u00e1dn\u00e9 poplatky ani platby nejsou vy\u017eadov\u00e1ny ani p\u0159edem.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebonitn\u00ed klient u n\u00e1s neexistuje","item":"https:\/\/www.jmpas.cz\/nebonitni-klient-u-nas-neexistuje\/#breadcrumbitem"}]}]