[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ceskom.cz\/zmatek-v-pujckach\/#Article","mainEntityOfPage":"https:\/\/www.ceskom.cz\/zmatek-v-pujckach\/","headline":"Zmatek v p\u016fj\u010dk\u00e1ch?","name":"Zmatek v p\u016fj\u010dk\u00e1ch?","description":"Mo\u017en\u00e1 se lze domn\u00edvat, \u017ee jde jen a jen o to oklamat spot\u0159ebitele, tedy v podstat\u011b budouc\u00edho dlu\u017en\u00edka tak, aby se v tom naprosto ztratil a nemohl si ov\u011b\u0159it mnohdy prapodivn\u00e9 v\u00fdpo\u010dty. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b, pokud \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, mus\u00ed si v\u0161e pe\u010dliv\u011b nastudovat, co\u017e m\u00e1 za t\u00fdden hotovo. A po tom t\u00fddnu si […]","datePublished":"2023-12-18","dateModified":"2024-01-18","author":{"@type":"Person","@id":"https:\/\/www.ceskom.cz\/author\/#Person","name":"","url":"https:\/\/www.ceskom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ceskom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ceskom.cz\/wp-content\/uploads\/don-3565703_640_1.jpg","url":"https:\/\/www.ceskom.cz\/wp-content\/uploads\/don-3565703_640_1.jpg","height":0,"width":0},"url":"https:\/\/www.ceskom.cz\/zmatek-v-pujckach\/","about":["Ekonomika"],"wordCount":431,"articleBody":"      Mo\u017en\u00e1 se lze domn\u00edvat, \u017ee jde jen a jen o to oklamat spot\u0159ebitele, tedy v podstat\u011b budouc\u00edho dlu\u017en\u00edka tak, aby se v tom naprosto ztratil a nemohl si ov\u011b\u0159it mnohdy prapodivn\u00e9 v\u00fdpo\u010dty. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b, pokud \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, mus\u00ed si v\u0161e pe\u010dliv\u011b nastudovat, co\u017e m\u00e1 za t\u00fdden hotovo. A po tom t\u00fddnu si zjist\u00ed, \u017ee se v\u0161echno zm\u011bnilo. Jen proto, aby mohla banka nen\u00e1padn\u011b zvednout \u00farok. A je to. N\u011bkter\u00e9 p\u016fj\u010dky se rafinovan\u011b naz\u00fdvaj\u00ed hypot\u00e9kou. Zde se nep\u016fj\u010duj\u00ed men\u0161\u00ed \u010d\u00e1stky, v\u011bt\u0161inou jde v\u017edy o \u010d\u00e1stky p\u0159esahuj\u00edc\u00ed milion. Skoro poka\u017ed\u00e9 dva. V\u011bt\u0161inou je to na rodinn\u00fd d\u016fm, nebo byt. A v bance budou po\u017eadovat poplatek za pod\u00e1n\u00ed \u017e\u00e1dosti. V po\u0159\u00e1dku, je to jejich v\u011bc.Kdy\u017e operuj\u00ed s miliony a nejsou schopni si to zapo\u010d\u00edtat, je to p\u0159inejmen\u0161\u00edm podivn\u00e9. Mo\u017en\u00e1 u\u017e dop\u0159edu v\u011bd\u00ed, \u017ee to neschv\u00e1l\u00ed, a proto rad\u011bji cht\u011bj\u00ed pen\u00edze na ruku. Jsou v\u0161ak instituce, kde se nic takov\u00e9ho nep\u011bstuje, kde se jedn\u00e1 v\u00edcem\u00e9n\u011b f\u00e9r. Tak\u00e9 jsou zde r\u016fzn\u00e9 druhy p\u016fj\u010dek a hypot\u00e9k, ale projedn\u00e1vaj\u00ed se naprosto jinak. P\u0159edev\u0161\u00edm jde o rychlost, tak\u017ee se zde n\u011bjak moc \u201enepap\u00edruje\u201c. Tam kde se baz\u00edruje na potvrzen\u00ed v\u00fd\u0161i p\u0159\u00edjmu, tam to pon\u011bkud trv\u00e1. A nakonec se stejn\u011b zjist\u00ed, \u017ee je p\u0159\u00edjem mal\u00fd a \u017eadatel odch\u00e1z\u00ed s dlouh\u00fdm nosem, zato o pen\u00edze za pod\u00e1n\u00ed \u017e\u00e1dosti chud\u0161\u00ed. Ov\u0161em zde se to d\u011bl\u00e1 bez potvrzen\u00ed, a proto to cel\u00e9 jen svi\u0161t\u00ed a je to dost rychl\u00e9.Nap\u0159\u00edklad americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f je vy\u0159\u00edzena \u0159\u00e1dov\u011b do t\u0159\u00ed dn\u016f, pokud m\u00e1 budouc\u00ed dlu\u017en\u00edk pohromad\u011b v\u0161echny pap\u00edry, kter\u00e9 jsou pot\u0159eba. V\u011bt\u0161inou v\u0161ak le\u017e\u00ed doma v \u0161upl\u00edku, nebo jsou n\u011bkde zalo\u017een\u00e9. Ty se ov\u011b\u0159\u00ed a u\u017e se p\u0159edkl\u00e1d\u00e1 smlouva. Tu si klient m\u016f\u017ee prostudovat ne m\u00edst\u011b, nebo odn\u00e9st dom\u016f a pro\u010d\u00edst tam. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b, pokud ji shled\u00e1 v po\u0159\u00e1dku a souhlas, tak ji podep\u00ed\u0161e. Zhruba za hodinku nebo dv\u011b m\u00e1 pen\u00edze na sv\u00e9m \u00fa\u010dtu. A m\u016f\u017ee je vyu\u017e\u00edt jak\u00fdmkoli zp\u016fsobem.                                                                                                                                                                                                                                                                                                                                                                                           4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zmatek v p\u016fj\u010dk\u00e1ch?","item":"https:\/\/www.ceskom.cz\/zmatek-v-pujckach\/#breadcrumbitem"}]}]