[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kphv.cz\/centrum-uveru\/#Article","mainEntityOfPage":"https:\/\/www.kphv.cz\/centrum-uveru\/","headline":"Centrum \u00fav\u011br\u016f","name":"Centrum \u00fav\u011br\u016f","description":"Nem\u00e1te pen\u00edze? Vezm\u011bte si hypot\u00e9ku \u2013 na prvn\u00ed pohled velice jednoduch\u00e1 rada, kter\u00e1 se v\u0161ak velice rychle zm\u011bn\u00ed v no\u010dn\u00ed m\u016fru. Vy\u0159izov\u00e1n\u00ed p\u016fj\u010dky toti\u017e nen\u00ed v\u016fbec snadn\u00e9 a mnohdy m\u016f\u017ee b\u00fdt tak\u00e9 ne\u00fasp\u011b\u0161n\u00e9. Zejm\u00e9na v p\u0159\u00edpadech, kdy se jedn\u00e1 o podnikatelsk\u00e9 \u00fav\u011bry, proto\u017ee v bank\u00e1ch po v\u00e1s \u010dasto cht\u011bj\u00ed spln\u011bn\u00ed jist\u00fdch podm\u00ednek a pravidel. V\u0161ichni […]","datePublished":"2018-06-23","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.kphv.cz\/author\/#Person","name":"","url":"https:\/\/www.kphv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kphv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kphv.cz\/wp-content\/uploads\/img_a318548_w2704_t1529399522.jpg","url":"https:\/\/www.kphv.cz\/wp-content\/uploads\/img_a318548_w2704_t1529399522.jpg","height":0,"width":0},"url":"https:\/\/www.kphv.cz\/centrum-uveru\/","about":["Bydlen\u00ed"],"wordCount":463,"articleBody":"             Nem\u00e1te pen\u00edze? Vezm\u011bte si hypot\u00e9ku \u2013 na prvn\u00ed pohled velice jednoduch\u00e1 rada, kter\u00e1 se v\u0161ak velice rychle zm\u011bn\u00ed v no\u010dn\u00ed m\u016fru. Vy\u0159izov\u00e1n\u00ed p\u016fj\u010dky toti\u017e nen\u00ed v\u016fbec snadn\u00e9 a mnohdy m\u016f\u017ee b\u00fdt tak\u00e9 ne\u00fasp\u011b\u0161n\u00e9. Zejm\u00e9na v p\u0159\u00edpadech, kdy se jedn\u00e1 o podnikatelsk\u00e9 \u00fav\u011bry, proto\u017ee v bank\u00e1ch po v\u00e1s \u010dasto cht\u011bj\u00ed spln\u011bn\u00ed jist\u00fdch podm\u00ednek a pravidel. V\u0161ichni v\u00edme, \u017ee pravidla jsou zde od toho, aby se dodr\u017eovala, jenom\u017ee banky na tato pravidla dbaj\u00ed opravdu v\u00e1\u017en\u011b a proto neustoup\u00ed ani o krok. Nebankovn\u00ed hypot\u00e9ky jsou v\u0161ak n\u011bco jin\u00e9ho. Nyn\u00ed si p\u0159edstav\u00edme jeden z finan\u010dn\u00edch produkt\u016f. Podnikatelsk\u00fd \u00fav\u011br Tyto finan\u010dn\u00ed produkty spadaj\u00ed do kategorie podnikatelsk\u00fdch \u00fav\u011br\u016f. Nejedn\u00e1 se tedy o b\u011b\u017en\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, proto si je mohou sjednat pouze firmy, podnikatel\u00e9 a OSV\u010c pro \u00fa\u010dely financov\u00e1n\u00ed jejich podnik\u00e1n\u00ed. Hypot\u00e9ka bez registru \u2013 jak u\u017e z n\u00e1zvu napov\u00edd\u00e1, jedn\u00e1 se o z\u00e1stavu nemovitosti, za kterou dostanete pen\u00edze. M\u016f\u017ee se jednat o finan\u010dn\u00ed hodnotu budovy a\u017e do v\u00fd\u0161e 70% jej\u00edho odhadu. Ov\u0161em to, co n\u00e1s zaj\u00edm\u00e1, jsou seznamy dlu\u017en\u00edk\u016f. V tomto p\u0159\u00edpad\u011b, se \u010dasto setk\u00e1v\u00e1me s n\u00e1zorem, \u017ee se do t\u011bchto seznam\u016f v\u016fbec ned\u00edv\u00e1me a \u017ee je nekontrolujeme. Jenom\u017ee do seznam\u016f se nahl\u00ed\u017e\u00ed. Samoz\u0159ejm\u011b ne z toho d\u016fvodu, abychom v\u00e1m je\u0161t\u011b v\u00edce znep\u0159\u00edjem\u0148ovali \u017eivot, ale z toho d\u016fvodu, \u017ee ka\u017ed\u00fd poskytovatel \u00fav\u011bru si mus\u00ed ov\u011b\u0159it, zdali je jeho klient schopen spl\u00e1cet. Klienti se nesm\u00ed dost\u00e1vat do dluhov\u00fdch past\u00ed a proto je ka\u017ed\u00fd povinen ov\u011b\u0159it si schopnost spl\u00e1cet. Nav\u00edc m\u016f\u017eete dostat je\u0161t\u011b v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu. V p\u0159\u00edpad\u011b \u017ee nem\u00e1te z\u00e1znam, nebo m\u00e1te pouze n\u011bjakou drobnost, pak m\u016f\u017eete z\u00edskat \u00farokovou sazbu ji\u017e od 3% p.a. P\u0159itom standardn\u011b je poskytov\u00e1na \u00farokov\u00e1 sazba od 6% p.a. Toleruj\u00ed se nejenom z\u00e1znamy, ale tak\u00e9 ni\u017e\u0161\u00ed da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed. U ka\u017ed\u00e9ho klienta n\u00e1m jde o to, aby dok\u00e1zal spl\u00e1cet Nejhor\u0161\u00ed p\u0159\u00edpady nast\u00e1vaj\u00ed tehdy, pokud se dostanete do dluhov\u00fdch past\u00ed a nedok\u00e1\u017eete spl\u00e1cet sv\u00e9 z\u00e1vazky. \u0160kod\u00ed to nejenom v\u00e1m, proto\u017ee v\u00e1m to p\u0159id\u011bl\u00e1v\u00e1 starosti, ale tak\u00e9 na\u0161\u00ed dlouhodob\u00e9 spolupr\u00e1ci. Proto je pot\u0159eba v\u017edy uv\u00e1d\u011bt pravdiv\u00e9 informace. To se t\u00fdk\u00e1 jak spot\u0159ebitelsk\u00fdch, tak tak\u00e9 podnikatelsk\u00fdch \u00fav\u011br\u016f.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Centrum \u00fav\u011br\u016f","item":"https:\/\/www.kphv.cz\/centrum-uveru\/#breadcrumbitem"}]}]