[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ateneo.cz\/penize-pro-lidi-i-pro-podnikatele\/#Article","mainEntityOfPage":"https:\/\/www.ateneo.cz\/penize-pro-lidi-i-pro-podnikatele\/","headline":"Pen\u00edze pro lidi i pro podnikatele","name":"Pen\u00edze pro lidi i pro podnikatele","description":"Co se t\u00fdk\u00e1 p\u016fj\u010dek, tak jsme st\u00e1le v krizi. Jakmile si n\u011bkdo pot\u0159ebuje p\u016fj\u010dit, je v\u011bt\u0161inou pozd\u011b na to, by hledal v\u0161echny pot\u0159ebn\u00e9 a dostupn\u00e9 informace a tak se st\u00e1v\u00e1, \u017ee prvn\u00ed co ud\u011bl\u00e1 je n\u00e1v\u0161t\u011bva banky. Jenom\u017ee ta ne v\u017edy m\u016f\u017ee dopadnout tak dob\u0159e, jak jsme si vysnili. N\u011bkte\u0159\u00ed lid\u00e9 po n\u00e1v\u0161t\u011bv\u011b banky jsou","datePublished":"2021-01-16","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.ateneo.cz\/author\/#Person","name":"","url":"https:\/\/www.ateneo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ateneo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ateneo.cz\/wp-content\/uploads\/kalkula%C4%8Dka%20pen%C3%ADze%20smlouvy.jpeg","url":"https:\/\/www.ateneo.cz\/wp-content\/uploads\/kalkula%C4%8Dka%20pen%C3%ADze%20smlouvy.jpeg","height":0,"width":0},"url":"https:\/\/www.ateneo.cz\/penize-pro-lidi-i-pro-podnikatele\/","about":["Online"],"wordCount":493,"articleBody":"   Co se t\u00fdk\u00e1 p\u016fj\u010dek, tak jsme st\u00e1le v krizi. Jakmile si n\u011bkdo pot\u0159ebuje p\u016fj\u010dit, je v\u011bt\u0161inou pozd\u011b na to, by hledal v\u0161echny pot\u0159ebn\u00e9 a dostupn\u00e9 informace a tak se st\u00e1v\u00e1, \u017ee prvn\u00ed co ud\u011bl\u00e1 je n\u00e1v\u0161t\u011bva banky. Jenom\u017ee ta ne v\u017edy m\u016f\u017ee dopadnout tak dob\u0159e, jak jsme si vysnili. N\u011bkte\u0159\u00ed lid\u00e9 po n\u00e1v\u0161t\u011bv\u011b banky jsou p\u0159ekvapen\u00ed, roz\u010d\u00edlen\u00ed nebo smutn\u00ed. Jin\u00ed mohou odej\u00edt s \u00fasm\u011bvem na rtech a s v\u00fdskokem do v\u00fd\u0161in. Ov\u0161em te\u010f zm\u00edn\u00edme ty, kte\u0159\u00ed jsou z toho v \u0161oku, proto\u017ee si jdou pro p\u016fj\u010dku a \u017e\u00e1dnou jim banka neposkytne. \u010c\u00edm to je? Mo\u017en\u00e1 nedostate\u010dnou informovanost\u00ed ob\u010dan\u016f, mo\u017en\u00e1 t\u00edm, \u017ee jsme si p\u0159edem nic nezjistili, mo\u017en\u00e1 t\u00edm, \u017ee se v p\u016fj\u010dk\u00e1ch a \u00fav\u011brech a\u017e tak nevyzn\u00e1me.Tak\u017ee co s t\u00edm? Ur\u010dit\u011b je lep\u0161\u00ed, kdy\u017e m\u00e1 \u010dlov\u011bk \u010das, aby se informoval dop\u0159edu. Nemus\u00edte si kupovat kn\u00ed\u017eky o bankovnictv\u00ed, pro ekonomy nebo o p\u016fj\u010dk\u00e1ch pro investory, ale ka\u017ed\u00fd by m\u011bl m\u00edt alespo\u0148 z\u00e1kladn\u00ed p\u0159ehled o tom, co se v tomto sv\u011bt\u011b odehr\u00e1v\u00e1, aby nakonec nebyl v bance p\u0159ekvapen\u00fd.Dostali jste se do finan\u010dn\u00ed t\u00edsn\u011b? Nev\u00edte, jak z takov\u00e9 situace vybruslit? Celou situaci pom\u016f\u017ee vy\u0159e\u0161it hypot\u00e9ka bez registru.Banky V\u00e1s mohou odm\u00edtnout z mnoha d\u016fvod\u016f, v\u011bt\u0161inou se posuzuje v\u011bk, tak\u00e9 zam\u011bstn\u00e1n\u00ed, nebojte se, oni si v\u00e1s prolustruj\u00ed skrz na skrz. Zjist\u00ed si va\u0161i solventnost, jestli m\u00e1te jin\u00e9 dluhy, jak\u00fd m\u00e1te majetek, \u010d\u00edm m\u016f\u017eete ru\u010dit, jak dlouhou dobu spl\u00e1cet. Pokud m\u00e1te exekuce, p\u016fj\u010dku samoz\u0159ejm\u011b nez\u00edsk\u00e1te, ani \u017e\u00e1dnou hypot\u00e9ku. Pokud jste zaps\u00e1ni jako dlu\u017en\u00edci v registrech dlu\u017en\u00edk\u016f, op\u011bt ten sam\u00fd p\u0159\u00edpad, \u017e\u00e1dn\u00e1 p\u016fj\u010dka a nav\u00edc odch\u00e1z\u00edte s nepo\u0159\u00edzenou a s t\u00edm, \u017ee vlastn\u011b nev\u00edte, co m\u00e1te d\u011blat.Od toho jsou zde nebankovn\u00ed spole\u010dnosti. Zejm\u00e9na pom\u00e1haj\u00ed v takov\u00fdchto p\u0159\u00edpadech, kdy lid\u00e9 maj\u00ed finan\u010dn\u00ed probl\u00e9my. Mohou ale pomoci komukoliv, kdo pot\u0159ebuje pen\u00edze i b\u011b\u017en\u00e9mu ob\u010danovi, kter\u00fd nem\u00e1 \u017e\u00e1dn\u00e9 finan\u010dn\u00ed probl\u00e9my, jenom si chce p\u016fj\u010dit pen\u00edze.T\u00fdkat se to m\u016f\u017ee jak podnikatel\u016f tak tak\u00e9 b\u011b\u017en\u00fdch spot\u0159ebitel\u016f. Nebankovn\u00ed hypot\u00e9ku si m\u016f\u017ee sjednat b\u011b\u017en\u00fd ob\u010dan pr\u00e1vn\u011b zp\u016fsobil\u00fd nad 18 let v\u011bku a to s ru\u010den\u00edm nemovitosti. U podnikatel\u016f by se jednalo nap\u0159\u00edklad o hypot\u00e9ku bez registru nebo hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjm\u016f.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze pro lidi i pro podnikatele","item":"https:\/\/www.ateneo.cz\/penize-pro-lidi-i-pro-podnikatele\/#breadcrumbitem"}]}]