[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jblbc.cz\/jsou-nebankovni-hypoteky-rizikove\/#Article","mainEntityOfPage":"https:\/\/www.jblbc.cz\/jsou-nebankovni-hypoteky-rizikove\/","headline":"Jsou nebankovn\u00ed hypot\u00e9ky rizikov\u00e9?","name":"Jsou nebankovn\u00ed hypot\u00e9ky rizikov\u00e9?","description":"Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee p\u016fj\u010dky obecn\u011b, nejen hypot\u00e9ky, nejsou pro \u010dlov\u011bka, kter\u00fd si p\u016fj\u010duje,...","datePublished":"2020-08-17","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.jblbc.cz\/author\/#Person","name":"","url":"https:\/\/www.jblbc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jblbc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jblbc.cz\/wp-content\/uploads\/penize1_10_4.jpg","url":"https:\/\/www.jblbc.cz\/wp-content\/uploads\/penize1_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.jblbc.cz\/jsou-nebankovni-hypoteky-rizikove\/","about":["Ekonomika"],"wordCount":418,"articleBody":"     Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee p\u016fj\u010dky obecn\u011b, nejen hypot\u00e9ky, nejsou pro \u010dlov\u011bka, kter\u00fd si p\u016fj\u010duje, obvykle p\u0159\u00edli\u0161 v\u00fdhodn\u00e9, a\u0165 se n\u00e1m reklamy sna\u017e\u00ed namluvit cokoliv. Naopak pro poskytovatele jsou velmi v\u00fdhodn\u00e9, tedy za p\u0159edpokladu, \u017ee dlu\u017en\u00edk norm\u00e1ln\u011b spl\u00e1c\u00ed dohodnutou \u010d\u00e1stku.I p\u0159es to je v\u0161ak vid\u011bt, \u017ee si mnoho lid\u00ed pen\u00edze p\u016fj\u010duje, a nejen u bank, ale i u nebankovn\u00edch spole\u010dnost\u00ed. Ty jsou v\u0161ak pova\u017eov\u00e1ny za m\u00e9n\u011b spolehliv\u00e9 a obvykle n\u00e1m b\u00fdv\u00e1 doporu\u010dov\u00e1no, abychom se, pokud tedy pen\u00edze nutn\u011b pot\u0159ebujeme, obr\u00e1tili sp\u00ed\u0161e na banku. \u010c\u00edm to tedy je, \u017ee st\u00e1le vzkv\u00e9taj\u00ed?Jednodu\u0161e t\u00edm, \u017ee mohou nab\u00eddnout podm\u00ednky, na kter\u00e9 by banka nikdy nep\u0159istoupila. Typick\u00e9 je nap\u0159\u00edklad nedokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu \u010di neprov\u00e1d\u011bn\u00e1 kontrola v registru dlu\u017en\u00edk\u016f, tedy, kr\u00e1tce \u0159e\u010deno, ov\u011b\u0159ov\u00e1n\u00ed platebn\u00ed schopnosti klienta.A zde je pr\u00e1v\u011b k\u00e1men \u00farazu. Tyto firmy toti\u017e p\u0159edpokl\u00e1daj\u00ed, \u017ee lid\u00e9 budou dostate\u010dn\u011b inteligentn\u00ed, aby si sami spo\u010d\u00edtali, zda jsou schopni danou \u010d\u00e1stku bez probl\u00e9mu spl\u00e1cet, a to i v p\u0159\u00edpad\u011b, \u017ee bude m\u00edt mimo\u0159\u00e1dn\u00e9 v\u00fddaje, jako jsou nap\u0159\u00edklad V\u00e1noce.Naprost\u00e1 v\u011bt\u0161ina klient\u016f, kte\u0159\u00ed si berou a\u0165 u\u017e b\u011b\u017en\u00e9 p\u016fj\u010dky \u010di nebankovn\u00ed hypot\u00e9ky https:\/\/www.ferovahypoteka.cz\/, v\u0161ak takto uv\u011bdom\u011bl\u00e1 nen\u00ed. \u010casto se jedn\u00e1 o star\u0161\u00ed lidi z ni\u017e\u0161\u00edch soci\u00e1ln\u00edch vrstev a s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm. Ti pak maj\u00ed obvykle p\u0159i prvn\u00ed t\u011b\u017ekosti i p\u0159i nejlep\u0161\u00ed v\u016fli probl\u00e9my se spl\u00e1cen\u00edm.A zde je j\u00e1dro on\u00e9 \u0161patn\u00e9 pov\u011bsti, kterou nebankovn\u00ed p\u016fj\u010dky maj\u00ed. Nen\u00ed to ani tak o tom, \u017ee by dan\u00e1 firma okr\u00e1dala klienty (koneckonc\u016f ve\u0161ker\u00e9 podm\u00ednky jsou ve smlouv\u011b, kterou se mus\u00ed i ona firma \u0159\u00eddit), ale sp\u00ed\u0161e o tom, \u017ee klienti nemaj\u00ed dostate\u010dnou finan\u010dn\u00ed gramotnost.Jist\u011b, je mo\u017en\u00e9 \u0159\u00edci, \u017ee tyto firmy tohoto faktu zneu\u017e\u00edvaj\u00ed, a v n\u011bkter\u00fdch p\u0159\u00edpadech je to i pravda. Av\u0161ak jedn\u00e1 se o minoritu. Naprost\u00e1 v\u011bt\u0161ina poskytovatel\u016f je solidn\u00edch, pokud dodr\u017eujete podm\u00ednky smlouvy. A tu si koneckonc\u016f po\u0159\u00e1dn\u011b p\u0159e\u010dtete, ne\u017e ji podep\u00ed\u0161ete, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jsou nebankovn\u00ed hypot\u00e9ky rizikov\u00e9?","item":"https:\/\/www.jblbc.cz\/jsou-nebankovni-hypoteky-rizikove\/#breadcrumbitem"}]}]