{"id":558,"date":"2020-08-21T20:02:21","date_gmt":"2020-08-21T18:02:21","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=558"},"modified":"2020-09-17T12:21:43","modified_gmt":"2020-09-17T10:21:43","slug":"jste-ve-financni-tisni","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=558","title":{"rendered":"Jste ve finan\u010dn\u00ed t\u00edsni?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Je cel\u00e1 \u0159ada situac\u00ed, v&nbsp;nich\u017e se \u010dlov\u011bku po\u010dne nedost\u00e1vat finan\u010dn\u00edch prost\u0159edk\u016f. M\u016f\u017ee k&nbsp;tomu doj\u00edt z&nbsp;nejr\u016fzn\u011bj\u0161\u00edch p\u0159\u00ed\u010din, je\u017e by tu nebylo mo\u017en\u00e9 v\u0161echny ani vyjmenovat, proto\u017ee je jich tolik, \u017ee by tento \u010dl\u00e1nek zabral ne\u00fam\u011brn\u00e9 mno\u017estv\u00ed m\u00edsta. A proto jenom konstatujme, \u017ee se m\u016f\u017ee zvrtnout kdeco. A v\u00fdsledkem je pak to, \u017ee \u010dlov\u011bk \u2013 lhostejno zda soukrom\u00fd podnikatel nebo spot\u0159ebitel \u2013 zkr\u00e1tka nem\u00e1 na to, co by pot\u0159eboval zaplatit. A nast\u00e1vaj\u00ed t\u0159eba i hodn\u011b pern\u00e9 chvilky. A nejen chvilky, n\u00fdbr\u017e klidn\u011b i cel\u00e9 dlouh\u00e9 dny, t\u00fddny, m\u011bs\u00edce a dost mo\u017en\u00e1 i roky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je to nep\u0159\u00edjemn\u00e9. Jen\u017ee jak z&nbsp;toho ven?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud n\u011bkdo v&nbsp;t\u00e9to z\u00e1le\u017eitosti t\u00e1pe, m\u016f\u017ee b\u00fdt zle. Proto\u017ee ten mo\u017en\u00e1 nedok\u00e1\u017ee nal\u00e9zt \u017e\u00e1dn\u00e9 sch\u016fdn\u00e9 \u0159e\u0161en\u00ed a re\u00e1ln\u011b mu tud\u00ed\u017e hroz\u00ed, \u017ee bude do panuj\u00edc\u00edch finan\u010dn\u00edch probl\u00e9m\u016f zab\u0159ed\u00e1vat v\u00edc a v\u00edc, to jak se budou na st\u00e1vaj\u00edc\u00ed probl\u00e9my nabalovat dal\u0161\u00ed v&nbsp;podob\u011b pen\u00e1le, sankc\u00ed, \u00farok\u016f z&nbsp;prodlen\u00ed, pokut, prost\u011b trest\u016f za to, \u017ee nebylo uhrazeno to, co zaplaceno b\u00fdt m\u011blo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A jestli\u017ee je \u010dlov\u011bk ve finan\u010dn\u00edch nesn\u00e1z\u00edch a pot\u0159ebuje pomoc, m\u016f\u017ee si b\u00fdt jist t\u00edm, \u017ee mu jen tak n\u011bkde nevyjdou vst\u0159\u00edc. Proto\u017ee banky maj\u00ed p\u0159\u00edsn\u00e1 krit\u00e9ria a t\u011bm n\u011bkdo, kdo je na tom finan\u010dn\u011b \u0161patn\u011b, nedok\u00e1\u017ee vyhov\u011bt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ale nen\u00ed t\u0159eba h\u00e1zet flintu do \u017eita. I v&nbsp;takov\u00e9 t\u011b\u017ek\u00e9 dob\u011b pom\u016f\u017ee \u010dlov\u011bku na <a href=\"https:\/\/www.americka-nebankovni-hypoteka.cz\/nebankovni_hypoteky\/\"><strong>100% hypot\u00e9ka<\/strong><\/a> od nebankovn\u00ed spole\u010dnosti. D\u00edky tomu, \u017ee se zde p\u016fj\u010duje t\u011bm, kdo daj\u00ed do z\u00e1stavy nemovitost, a to jenom \u010d\u00e1st odhadn\u00ed ceny t\u00e9to, odpad\u00e1 d\u016fkladn\u00e9 prov\u011b\u0159ov\u00e1n\u00ed \u017eadatel\u016f a usp\u011bj\u00ed tak i ti, kdo maj\u00ed jen pom\u011brn\u011b n\u00edzk\u00e9 p\u0159\u00edjmy, nep\u011bkn\u00e9 z\u00e1znamy v&nbsp;registrech dlu\u017en\u00edk\u016f, exekuce na krku a dal\u0161\u00ed nep\u0159\u00edjemnosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nebankovn\u00ed hypot\u00e9ky jsou prost\u011b flexibiln\u00ed a p\u0159izp\u016fsob\u00ed se pot\u0159eb\u00e1m \u017eadatel\u016f. A to natolik, \u017ee u produkt\u016f jm\u00e9nem <strong>americk\u00e1 hypot\u00e9ka kalkula\u010dka<\/strong> na internetu vlastn\u011b nejednou ani nen\u00ed. Proto\u017ee by v\u0161echny mo\u017en\u00e9 alternativy nebyla schopn\u00e1 obs\u00e1hnout. Ale i tak se \u010dlov\u011bk v\u017edy v\u010das dozv\u00ed, co je mu nab\u00eddnuto a za jak\u00fdch podm\u00ednek. A nezb\u00fdv\u00e1 tak nic jin\u00e9ho, ne\u017e se dohodnout na detailech a pak na tuto pomoc k\u00fdvnout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A z\u00e1hy je po finan\u010dn\u00edch probl\u00e9mech.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Je cel\u00e1 \u0159ada situac\u00ed, v&nbsp;nich\u017e se \u010dlov\u011bku po\u010dne nedost\u00e1vat finan\u010dn\u00edch prost\u0159edk\u016f. M\u016f\u017ee k&nbsp;tomu doj\u00edt z&nbsp;nejr\u016fzn\u011bj\u0161\u00edch p\u0159\u00ed\u010din, je\u017e by tu nebylo mo\u017en\u00e9 v\u0161echny ani vyjmenovat, proto\u017ee je jich tolik, \u017ee by tento \u010dl\u00e1nek zabral ne\u00fam\u011brn\u00e9 mno\u017estv\u00ed m\u00edsta. A proto jenom konstatujme, \u017ee se m\u016f\u017ee zvrtnout kdeco. A v\u00fdsledkem je pak to, \u017ee \u010dlov\u011bk \u2013 lhostejno zda [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-558","post","type-post","status-publish","format-standard","category-aktualne"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/558","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=558"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/558\/revisions"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}