[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.evas.cz\/neco-mate-nesetreno-ale-musite-si-na-zbytek-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.evas.cz\/neco-mate-nesetreno-ale-musite-si-na-zbytek-pujcit\/","headline":"N\u011bco m\u00e1te ne\u0161et\u0159eno, ale mus\u00edte si na zbytek p\u016fj\u010dit","name":"N\u011bco m\u00e1te ne\u0161et\u0159eno, ale mus\u00edte si na zbytek p\u016fj\u010dit","description":"Tak jste po\u017e\u00e1dali banku o p\u016fj\u010dku, ale bankovn\u00ed \u00fastav v\u00e1m ji odm\u00edtl schv\u00e1lit? Banky mohou m\u00edt k odm\u00edtnut\u00ed p\u016fj\u010dit v\u00e1m finan\u010dn\u00ed prost\u0159edky d\u016fvod\u016f v\u00edce. Krom\u011b zkoum\u00e1n\u00ed v\u011bku, nebo v\u00fd\u0161e va\u0161eho v\u00fdd\u011blku, mohou tak\u00e9 podle z\u00e1znam\u016f v registrech zjistit, \u017ee jste dlu\u017en\u00edkem, \u017ee v\u00e1m hroz\u00ed exekuce, \u010di jste m\u011bli opo\u017ed\u011bn\u00ed v minulosti se spl\u00e1tkou. Uveden\u00e9 d\u016fvody &hellip; <p class=\"link-more\"><a href=\"https:\/\/www.evas.cz\/neco-mate-nesetreno-ale-musite-si-na-zbytek-pujcit\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> \"N\u011bco m\u00e1te ne\u0161et\u0159eno, ale mus\u00edte si na zbytek p\u016fj\u010dit\"<\/span><\/a><\/p>","datePublished":"2020-02-06","dateModified":"2020-02-06","author":{"@type":"Person","@id":"https:\/\/www.evas.cz\/author\/#Person","name":"","url":"https:\/\/www.evas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"evas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.evas.cz\/wp-content\/uploads\/img_a380048_w3058_t1591691718.jpg","url":"https:\/\/www.evas.cz\/wp-content\/uploads\/img_a380048_w3058_t1591691718.jpg","height":0,"width":0},"url":"https:\/\/www.evas.cz\/neco-mate-nesetreno-ale-musite-si-na-zbytek-pujcit\/","about":["Ekonomika"],"wordCount":426,"articleBody":"  Tak jste po\u017e\u00e1dali banku o p\u016fj\u010dku, ale bankovn\u00ed \u00fastav v\u00e1m ji odm\u00edtl schv\u00e1lit? Banky mohou m\u00edt k odm\u00edtnut\u00ed p\u016fj\u010dit v\u00e1m finan\u010dn\u00ed prost\u0159edky d\u016fvod\u016f v\u00edce. Krom\u011b zkoum\u00e1n\u00ed v\u011bku, nebo v\u00fd\u0161e va\u0161eho v\u00fdd\u011blku, mohou tak\u00e9 podle z\u00e1znam\u016f v registrech zjistit, \u017ee jste dlu\u017en\u00edkem, \u017ee v\u00e1m hroz\u00ed exekuce, \u010di jste m\u011bli opo\u017ed\u011bn\u00ed v minulosti se spl\u00e1tkou. Uveden\u00e9 d\u016fvody mohou sta\u010dit k tomu, \u017ee v\u00e1m bankovn\u00ed \u00fastav mo\u017en\u00e9 poskytnut\u00ed finan\u010dn\u00edch prost\u0159edk\u016f na n\u00e1kup nov\u00e9ho auta neschv\u00e1lil. Ale m\u00e1te tady dal\u0161\u00ed mo\u017enost a po\u017e\u00e1dat o schv\u00e1len\u00ed americk\u00e9 nebankovn\u00ed hypot\u00e9ky, a to u nebankovn\u00ed spole\u010dnosti. Pokud v\u00e1m pojmy nebankovn\u00ed spole\u010dnost a americk\u00e9 hypot\u00e9ky p\u0159ipad\u00e1 divn\u00fd, a m\u00e1te obavy, \u017ee by se mohlo jednat o podvod, va\u0161e obavy nejsou na m\u00edst\u011b. Americk\u00e9 hypot\u00e9ky jsou poskytovan\u00e9 jak bankovn\u00edm tak i nebankovn\u00edm sektorem v souladu se z\u00e1kony. U\u017e n\u011bjakou dobu na na\u0161em bankovn\u00edm trhu funguj\u00ed. A tak\u00e9 maj\u00ed oba sektory nad sebou st\u00e1tn\u00ed kontrolu, kterou pln\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Tento st\u00e1tn\u00ed org\u00e1n dohl\u00ed\u017e\u00ed nad \u010dinnost\u00ed obou t\u011bchto finan\u010dn\u00edch spole\u010dnost\u00ed.U nebankovn\u00ed spole\u010dnosti v\u00e1m hypot\u00e9ku schv\u00e1l\u00ed, proto\u017ee p\u0159ek\u00e1\u017ekou zde nen\u00ed v\u00fd\u0161e va\u0161eho v\u00fdd\u011blku, nebo \u017ee jste dlu\u017en\u00edkem, \u017ee v\u00e1m hroz\u00ed exekuce, \u010di jste m\u011bli opo\u017ed\u011bn\u00ed v minulosti se spl\u00e1tkou, nebo m\u00e1te i z\u00e1znam v registru.U t\u00e9to spole\u010dnosti posta\u010d\u00ed jen to, \u017ee jste schopni hypot\u00e9ku, i kdy\u017e nap\u0159\u00edklad m\u00e1te ni\u017e\u0161\u00ed p\u0159\u00edjem, \u0159\u00e1dn\u011b spl\u00e1cet. M\u00e1te zde jednu podm\u00ednku, krom\u011b povinnosti spl\u00e1cet p\u016fj\u010dku, ob\u011b spole\u010dnosti, tedy bankovn\u00ed i nebankovn\u00ed se jist\u00ed t\u00edm, \u017ee po\u017eaduj\u00ed u americk\u00e9 hypot\u00e9ky d\u00e1t do ru\u010den\u00ed nemovitost. M\u016f\u017ee se jednat nap\u0159\u00edklad o byt, pozemek, d\u016fm nebo i chatu. Tento postup je v souladu s na\u0161imi platn\u00fdmi z\u00e1kony. Zaru\u010dujete se t\u00edmto zp\u016fsobem, \u017ee sv\u016fj dluh budete \u0159\u00e1dn\u011b spl\u00e1cet. Uveden\u00e1 nemovitost dan\u00e1 do ru\u010den\u00ed, m\u016f\u017ee b\u00fdt i od t\u0159et\u00ed osoby, nap\u0159\u00edklad n\u011bkoho z rodiny. Odhad t\u00e9to nemovitosti neplat\u00edte a po spl\u00e1cen\u00ed p\u016fj\u010dky bude z ru\u010den\u00ed vyjmut\u00e1.                                                                                                                                                                                                                                                                                                                                                                                         4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u011bco m\u00e1te ne\u0161et\u0159eno, ale mus\u00edte si na zbytek p\u016fj\u010dit","item":"https:\/\/www.evas.cz\/neco-mate-nesetreno-ale-musite-si-na-zbytek-pujcit\/#breadcrumbitem"}]}]