[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chronici.cz\/na-problemy-s-bonitou-plati-hypoteka-bez-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.chronici.cz\/na-problemy-s-bonitou-plati-hypoteka-bez-prijmu\/","headline":"Na probl\u00e9my s bonitou plat\u00ed hypot\u00e9ka bez p\u0159\u00edjmu","name":"Na probl\u00e9my s bonitou plat\u00ed hypot\u00e9ka bez p\u0159\u00edjmu","description":"Pokud p\u00e1tr\u00e1te po hypot\u00e9ce bez p\u0159\u00edjmu, tak m\u00e1te s velkou pravd\u011bpodobnost\u00ed pot\u00ed\u017ee s bonitou. Z\u0159ejm\u011b v\u00e1s pr\u00e1v\u011b z tohoto d\u016fvodu v bance odm\u00edtli. A mo\u017en\u00e1 to pro v\u00e1s bylo velk\u00e9 p\u0159ekvapen\u00ed, proto\u017ee pob\u00edr\u00e1te naprosto pr\u016fm\u011brn\u00fd \u010desk\u00fd plat, podnik\u00e1te, m\u00e1te man\u017eelku na mate\u0159sk\u00e9 dovolen\u00e9 a k tomu t\u0159i d\u011bti. Tak\u017ee i kdy\u017e nepat\u0159\u00edte mezi dlu\u017en\u00edky a...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.chronici.cz\/na-problemy-s-bonitou-plati-hypoteka-bez-prijmu\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> &ldquo;Na probl\u00e9my s bonitou plat\u00ed hypot\u00e9ka bez p\u0159\u00edjmu&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2019-01-22","dateModified":"2023-06-01","author":{"@type":"Person","@id":"https:\/\/www.chronici.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.chronici.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/505fff4dce96a6fd9b2c3bab9d6ad2c90e3ce4a797f024fc5ad345c11f66ba90?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/505fff4dce96a6fd9b2c3bab9d6ad2c90e3ce4a797f024fc5ad345c11f66ba90?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chronici.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chronici.cz\/wp-content\/uploads\/img_a340257_w1712_t1553252924.jpg","url":"https:\/\/www.chronici.cz\/wp-content\/uploads\/img_a340257_w1712_t1553252924.jpg","height":0,"width":0},"url":"https:\/\/www.chronici.cz\/na-problemy-s-bonitou-plati-hypoteka-bez-prijmu\/","about":["Pen\u00edze"],"wordCount":446,"articleBody":"                                           Pokud p\u00e1tr\u00e1te po hypot\u00e9ce bez p\u0159\u00edjmu, tak m\u00e1te s velkou pravd\u011bpodobnost\u00ed pot\u00ed\u017ee s bonitou. Z\u0159ejm\u011b v\u00e1s pr\u00e1v\u011b z tohoto d\u016fvodu v bance odm\u00edtli. A mo\u017en\u00e1 to pro v\u00e1s bylo velk\u00e9 p\u0159ekvapen\u00ed, proto\u017ee pob\u00edr\u00e1te naprosto pr\u016fm\u011brn\u00fd \u010desk\u00fd plat, podnik\u00e1te, m\u00e1te man\u017eelku na mate\u0159sk\u00e9 dovolen\u00e9 a k tomu t\u0159i d\u011bti. Tak\u017ee i kdy\u017e nepat\u0159\u00edte mezi dlu\u017en\u00edky a v\u00e1\u0161 p\u0159\u00edjem je pom\u011brn\u011b solidn\u00ed, ostatn\u00ed skute\u010dnosti sv\u011bd\u010d\u00ed proti v\u00e1m. Nap\u0159\u00edklad jde o to, \u017ee banky podnikatel\u016fm uzn\u00e1vaj\u00ed pouze ur\u010ditou \u010d\u00e1st p\u0159\u00edjm\u016f, t\u00edm sp\u00ed\u0161e, pokud podnikaj\u00ed s da\u0148ov\u00fdm pau\u0161\u00e1lem. Mate\u0159sk\u00e1 ani rodi\u010dovsk\u00e1 d\u00e1vka nen\u00ed p\u0159\u00edli\u0161 vysok\u00e1, a d\u011bti jsou v tomto p\u0159\u00edpad\u011b p\u0159it\u011b\u017euj\u00edc\u00ed okolnost\u00ed \u2013 \u010d\u00edm v\u00edce jich m\u00e1te, t\u00edm h\u016f\u0159e. Ano, p\u0159esn\u011b tak jsou nastaveny p\u016fj\u010dky v klasick\u00fdch \u010desk\u00fdch bankovn\u00edch domech, kter\u00e9 by m\u011bly slou\u017eit pro lidi. Ov\u0161em zat\u00edm slou\u017e\u00ed jen t\u011bm bohat\u00fdm, kte\u0159\u00ed u\u017e tak maj\u00ed dost. Tak\u017ee pokud t\u0159eba pot\u0159ebujete bydlet a sh\u00e1n\u00edte p\u016fj\u010dku na v\u011bt\u0161\u00ed byt, v bance v\u00e1m ji zkr\u00e1tka nedaj\u00ed.  Budete se tedy muset obr\u00e1tit jinam, kde v\u016f\u010di v\u00e1m nebudou m\u00edt zbyte\u010dn\u00e9 p\u0159edsudky a va\u0161e p\u0159\u00edjmy a v\u00fddaje posoud\u00ed individu\u00e1ln\u011b podle jejich skute\u010dn\u00e9ho stavu. Budete se muset obr\u00e1tit na nebankovn\u00ed spole\u010dnost. Pr\u00e1v\u011b nebankovn\u00ed p\u016fj\u010dky jsou typick\u00e9 t\u00edm, \u017ee v\u00e1m je nebankovn\u00ed spole\u010dnost u\u0161ije na m\u00edru va\u0161im pot\u0159eb\u00e1m. A skv\u011bl\u00e9 je na nich i to, \u017ee m\u00e1te \u0161anci na \u00fav\u011br i v situaci, kdy m\u00e1te t\u0159eba pr\u00e1v\u011b ni\u017e\u0161\u00ed p\u0159\u00edjmy. Ka\u017edop\u00e1dn\u011b budete muset prok\u00e1zat, \u017ee m\u00e1te dost pen\u011bz na spl\u00e1cen\u00ed dluhu, aby nedo\u0161lo k tomu, \u017ee v\u00e1s takov\u00fd \u00fav\u011br po\u0161le ke dnu. Pokud to dok\u00e1\u017eete, pak nen\u00ed \u00fav\u011br pro v\u00e1s \u017e\u00e1dn\u00fd probl\u00e9m.  Po\u010d\u00edtejte ov\u0161em s t\u00edm, \u017ee je nezbytn\u00e9, abyste se za n\u011bj zaru\u010dili vhodnou nemovitost\u00ed, kter\u00e1 nebankovn\u00ed spole\u010dnosti poslou\u017e\u00ed jako z\u00e1ruka, \u017ee v\u0161e bez pot\u00ed\u017e\u00ed splat\u00edte. Takov\u00e9 ru\u010den\u00ed v\u00e1s v u\u017e\u00edv\u00e1n\u00ed zvolen\u00e9 nemovitosti nebude nijak omezovat, nicm\u00e9n\u011b je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee kdybyste p\u0159estali spl\u00e1cet, tak o sv\u016fj majetek p\u0159ijdete.                                                                                                                                                                                                                                                                                                                                                                                                   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