[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lelkoun.cz\/z-financni-pasti-pomuze-nebankovni-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.lelkoun.cz\/z-financni-pasti-pomuze-nebankovni-hypoteka\/","headline":"Z finan\u010dn\u00ed pasti pom\u016f\u017ee nebankovn\u00ed hypot\u00e9ka","name":"Z finan\u010dn\u00ed pasti pom\u016f\u017ee nebankovn\u00ed hypot\u00e9ka","description":"Zd\u00e1 se, \u017ee od \u00fatl\u00e9ho d\u011btstv\u00ed pro n\u00e1s byla banka takov\u00e1 instituce, kterou jsme vid\u011bli jako pomocn\u00fd n\u00e1stroj, pokud se […]","datePublished":"2018-07-13","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.lelkoun.cz\/author\/#Person","name":"","url":"https:\/\/www.lelkoun.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6f4c870cee2491a38c4099d0d4506a73241091e099e5d57196b9728ac147d91e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6f4c870cee2491a38c4099d0d4506a73241091e099e5d57196b9728ac147d91e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lelkoun.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lelkoun.cz\/wp-content\/uploads\/img_a320550_w2445_t1531848459.jpg","url":"https:\/\/www.lelkoun.cz\/wp-content\/uploads\/img_a320550_w2445_t1531848459.jpg","height":0,"width":0},"url":"https:\/\/www.lelkoun.cz\/z-financni-pasti-pomuze-nebankovni-hypoteka\/","about":["Pen\u00edze"],"wordCount":521,"articleBody":"         Zd\u00e1 se, \u017ee od \u00fatl\u00e9ho d\u011btstv\u00ed pro n\u00e1s byla banka takov\u00e1 instituce, kterou jsme vid\u011bli jako pomocn\u00fd n\u00e1stroj, pokud se \u010dlov\u011bk dostal do finan\u010dn\u00edch probl\u00e9m\u016f nebo pot\u0159eboval n\u011bjak\u00fdm zp\u016fsobem pomoci v oblasti financ\u00ed. Mysl\u00edm, \u017ee tyto p\u0159edstavy jsou ji\u017e d\u00e1vno pry\u010d a tak\u00e9 v o\u010d\u00edch lid\u00ed se bankovnictv\u00ed posunulo na jinou hranici. P\u0159esto prvn\u00ed na\u0161e kroky vedou pr\u00e1v\u011b sem. M\u00e1me pocit, \u017ee tento subjekt bude jednat s n\u00e1mi f\u00e9rov\u011b a tak se nen\u00ed \u010deho ob\u00e1vat. Ot\u00e1zkou je, zdali i banka n\u00e1s uvid\u00ed stejn\u00fdm pohledem, \u017ee my jsme ti, kte\u0159\u00ed pot\u0159ebujeme pomoci. Skute\u010dn\u011b do probl\u00e9m\u016f se m\u016f\u017ee dostat ka\u017ed\u00fd a dokonce ani ho nemine z\u00e1znam v registru dlu\u017en\u00edk\u016f, pokud se opozd\u00ed se spl\u00e1tkou nebo placen\u00edm. V\u016fbec nebudeme mluvit o tom, kdy\u017e zam\u011bstnavatel nevyplat\u00ed mzdu a n\u00e1m chod\u00ed upom\u00ednky na nezaplacen\u00ed t\u0159eba hypot\u00e9ky. Vz\u00edt si dal\u0161\u00ed p\u016fj\u010dku a pak zase dal\u0161\u00ed, p\u0159\u00edpadn\u011b v\u0161e vykr\u00fdvat jin\u00fdmi \u00fav\u011bry nen\u00ed rozhodn\u011b \u0159e\u0161en\u00ed, ale pouh\u00e1 past, do kter\u00e9 jsme se dostali a ani jsme to po\u0159\u00e1dn\u011b nezaznamenali. Co te\u010f? Banka nepom\u016f\u017ee, pen\u00edze nejsou a mo\u017en\u00e1 se bl\u00ed\u017e\u00ed i exekuce. Situace prakticky ne\u0159e\u0161iteln\u00e1, m\u00e1 p\u0159ece jenom cestu. Obr\u00e1tit se na konkurenci. Vid\u00edme situaci p\u0159\u00edli\u0161 \u010dern\u011b To je zcela pochopiteln\u00e9, kdy\u017e se nevid\u00ed jak d\u00e1l. P\u0159esto existuje produkt takzvan\u00e1 nebankovn\u00ed hypot\u00e9ka. Je ur\u010dena pro ob\u010dany, kte\u0159\u00ed se mus\u00ed takto pot\u00fdkat s nedorozum\u011bn\u00edm, nepochopen\u00edm nebo \u0161patnou bonitou. Zkr\u00e1tka je tu pro ty, co pot\u0159ebuj\u00ed podat pomocnou ruku. Tento produkt dok\u00e1\u017ee na n\u00e1\u0161 \u00fa\u010det p\u0159ipsat pot\u0159ebnou hotovost, konsolidovat p\u016fj\u010dky, \u010d\u00edm\u017e budeme platit jednu \u010d\u00e1stku, kter\u00e1 je podstatn\u011b ni\u017e\u0161\u00ed, ne\u017e sou\u010det v\u0161ech na\u0161ich otev\u0159en\u00fdch \u00fav\u011br\u016f. Refinancuje hypot\u00e9ku, tak\u017ee \u017e\u00e1dn\u00fd strach, \u017ee p\u0159ijdeme o n\u00e1\u0161 domov a d\u011bti budou bydlet na ulici. Ale nezastra\u0161\u00ed ho ani p\u0159ich\u00e1zej\u00edc\u00ed exekuce, z kter\u00e9 n\u00e1s jednodu\u0161e vyplat\u00ed. Nezalekne se \u017e\u00e1dn\u00e9ho z\u00e1znamu v bankovn\u00edm nebo nebankovn\u00edm registru dlu\u017en\u00edk\u016f, proto\u017ee ch\u00e1pe, \u017ee jsme m\u011bli snahu v\u0161e n\u011bjak\u00fdm zp\u016fsobem \u0159e\u0161it, jen jsme se vydali, trochu v\u00edc, klikat\u011bj\u0161\u00ed cestou. V\u00fdchodisko tu m\u00e1me, ale co s n\u00edm? Specialist\u00e9 jsou tu pro n\u00e1s Nen\u00ed nic jednodu\u0161\u0161\u00edho, ne\u017e se zeptat. Tud\u00ed\u017e dokonce ani nikam nemus\u00edme cestovat a ztr\u00e1cet \u010das. Pouze z domova vypln\u00edme on-line po\u017eadavek a vy\u010dk\u00e1me na anal\u00fdzu, kter\u00e1 bude stvo\u0159ena p\u0159esn\u011b na m\u00edru. Dokonce n\u00e1s mohou p\u0159ekvapit i podobn\u00e9 \u00faroky jako v bance a n\u00edzk\u00e9 spl\u00e1tky. Zkr\u00e1tka ka\u017ed\u00fd z n\u00e1s bude m\u00edt nastaven\u00fd produkt podle sv\u00fdch nejlep\u0161\u00edch mo\u017enost\u00ed. A to se p\u0159ece vyplat\u00ed, ne?                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z finan\u010dn\u00ed pasti pom\u016f\u017ee nebankovn\u00ed hypot\u00e9ka","item":"https:\/\/www.lelkoun.cz\/z-financni-pasti-pomuze-nebankovni-hypoteka\/#breadcrumbitem"}]}]