[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pharmia.cz\/kazdy-chce-mit-jistotu\/#Article","mainEntityOfPage":"https:\/\/www.pharmia.cz\/kazdy-chce-mit-jistotu\/","headline":"Ka\u017ed\u00fd chce m\u00edt jistotu","name":"Ka\u017ed\u00fd chce m\u00edt jistotu","description":"V dne\u0161n\u00ed dob\u011b u\u017e si d\u00e1vno navz\u00e1jem nep\u016fj\u010duj\u00ed jen osoby sob\u011b velice bl\u00edzk\u00e9, kter\u00e9 se dob\u0159e znaj\u00ed a v\u011bd\u00ed o sob\u011b v\u0161e do posledn\u00edho detailu,…","datePublished":"2019-09-14","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.pharmia.cz\/author\/#Person","name":"","url":"https:\/\/www.pharmia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pharmia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pharmia.cz\/wp-content\/uploads\/img_a363663_w1885_t1576488293.jpg","url":"https:\/\/www.pharmia.cz\/wp-content\/uploads\/img_a363663_w1885_t1576488293.jpg","height":0,"width":0},"url":"https:\/\/www.pharmia.cz\/kazdy-chce-mit-jistotu\/","wordCount":483,"articleBody":"         V dne\u0161n\u00ed dob\u011b u\u017e si d\u00e1vno navz\u00e1jem nep\u016fj\u010duj\u00ed jen osoby sob\u011b velice bl\u00edzk\u00e9, kter\u00e9 se dob\u0159e znaj\u00ed a v\u011bd\u00ed o sob\u011b v\u0161e do posledn\u00edho detailu, tak\u017ee si mohou stoprocentn\u011b d\u016fv\u011b\u0159ovat. Dnes u\u017e si lid\u00e9 daleko \u010dast\u011bji p\u016fj\u010duj\u00ed od r\u016fzn\u00fdch finan\u010dn\u00edch instituc\u00ed, s nimi\u017e si nejsou a ani nemohou b\u00fdt osobn\u011b bl\u00edzc\u00ed a tud\u00ed\u017e zn\u00e1m\u00ed. A proto jim takov\u00ed poskytovatel\u00e9 nemohou jen tak slep\u011b d\u016fv\u011b\u0159ovat a mus\u00ed si kl\u00e1st podm\u00ednky, jimi\u017e se zaru\u010duje, \u017ee bude v\u0161e \u0159\u00e1dn\u011b vr\u00e1ceno. Nejsp\u00ed\u0161e, pochopiteln\u011b, proto\u017ee jistotu tu nelze m\u00edt nikdy, v\u017edy se m\u016f\u017ee objevit n\u011bjak\u00fd ten probl\u00e9m.A tak zkr\u00e1tka ka\u017ed\u00fd poskytovatel p\u016fj\u010dek \u017e\u00e1d\u00e1 n\u011bjak\u00e9 ty z\u00e1ruky. A ani hypot\u00e9ky nejsou v\u00fdjimkou. Zaji\u0161t\u011bn\u00ed hypot\u00e9\u010dn\u00edho \u00fav\u011bru je naprosto b\u011b\u017en\u00e1 v\u011bc, je\u017e m\u00e1 jenom a pouze garantovat \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed a splacen\u00ed.Takov\u00fdchto \u201apojistek\u2018 m\u016f\u017ee existovat pov\u00edcero. Ka\u017ed\u00fd poskytovatel si vyb\u00edr\u00e1 to, co mu nejl\u00e9pe vyhovuje, co se podle n\u011bj nejv\u00edce vyplat\u00ed, co je nejm\u00e9n\u011b rizikov\u00e9.B\u011b\u017en\u00e9 je tu nap\u0159\u00edklad to, \u017ee se neposkytuje hypot\u00e9ka na celou cenu nemovitosti, ale jenom na jej\u00ed \u010d\u00e1st. A z\u00e1jemce o tuto p\u016fj\u010dku se mus\u00ed na transakci i osobn\u011b finan\u010dn\u011b pod\u00edlet. \u010c\u00edm\u017e se odd\u011bl\u00ed pomysln\u00e9 zrno od plev; proto\u017ee neusp\u011bje ten, kdo m\u00e1 p\u0159\u00edli\u0161 m\u00e1lo finan\u010dn\u00edch prost\u0159edk\u016f a je u n\u011bj tedy v\u011bt\u0161\u00ed riziko neschopnosti \u010di neochoty p\u016fj\u010dku vracet.\u010clov\u011bk tak mus\u00ed d\u00e1t do z\u00e1stavy nemovitost, za ni\u017e z\u00edsk\u00e1 jenom \u010d\u00e1st jej\u00ed odhadn\u00ed ceny. A kdyby pak nespl\u00e1cel, poskytovatel p\u016fj\u010dky m\u00e1 jistotu, \u017ee z prodeje takov\u00e9 nemovitosti z\u00edsk\u00e1 zp\u011bt to, na\u010d m\u00e1 n\u00e1rok. Spolehliv\u011b. Nebankovn\u00ed sektor nab\u00edz\u00ed zpravidla maxim\u00e1ln\u011b pades\u00e1t procent odhadn\u00ed ceny takov\u00e9 nemovitosti, jsou tu ale i poskytovatel\u00e9 nab\u00edzej\u00edc\u00ed v n\u011bkter\u00fdch p\u0159\u00edpadech a\u017e v\u00edce ne\u017e sedmdes\u00e1t procent, banky by m\u011bly nab\u00edzet nanejv\u00fd\u0161 osmdes\u00e1t procent.Pro nav\u00fd\u0161en\u00ed zm\u00edn\u011bn\u00e9 \u010d\u00e1stky je pak zapot\u0159eb\u00ed zajistit i dal\u0161\u00ed kryt\u00ed, n\u011bkdy je po\u017eadov\u00e1no i poji\u0161t\u011bn\u00ed nemovitosti, na ni\u017e se hypot\u00e9ka vztahuje, p\u0159\u00edpadn\u011b \u017eivotn\u00ed \u010di \u00fav\u011brov\u00e9 poji\u0161t\u011bn\u00ed klienta, n\u011bkdy je zapot\u0159eb\u00ed ru\u010ditel, jen\u017e m\u00e1 povinnost platit ve chv\u00edli, kdy tak dlu\u017en\u00edk ne\u010din\u00ed.N\u011bkomu to nemus\u00ed b\u00fdt mil\u00e9, ale mus\u00ed to b\u00fdt. Proto\u017ee banky tu nejsou od toho, aby dopl\u00e1cely na ty, kdo si vezmou p\u016fj\u010dku a pak u\u017e se jim tak jaksi nebude cht\u00edt platit.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ka\u017ed\u00fd chce m\u00edt jistotu","item":"https:\/\/www.pharmia.cz\/kazdy-chce-mit-jistotu\/#breadcrumbitem"}]}]