[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dzone.cz\/zakladni-podminky-pujcek-a-uveru\/#Article","mainEntityOfPage":"https:\/\/www.dzone.cz\/zakladni-podminky-pujcek-a-uveru\/","headline":"Z\u00e1kladn\u00ed podm\u00ednky p\u016fj\u010dek a \u00fav\u011br\u016f","name":"Z\u00e1kladn\u00ed podm\u00ednky p\u016fj\u010dek a \u00fav\u011br\u016f","description":"Nejprve je pot\u0159eba si trochu objasnit, co je to vlastn\u011b p\u016fj\u010dka a co \u00fav\u011br. P\u016fj\u010dka m\u016f\u017ee b\u00fdt nap\u0159\u00edklad spot\u0159ebitelsk\u00e1, tu z\u0159ejm\u011b zn\u00e1 ka\u017ed\u00fd z n\u00e1s, kdo si p\u016fj\u010doval pen\u00edze na vybaven\u00ed dom\u00e1cnosti, na po\u0159\u00edzen\u00ed nov\u00e9 televize nebo lo\u017enice \u010di koupi... <a class=\"more-link\" href=\"https:\/\/www.dzone.cz\/zakladni-podminky-pujcek-a-uveru\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2020-07-17","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.dzone.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.dzone.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dzone.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dzone.cz\/wp-content\/uploads\/dolary%20v%20kufru.jpg","url":"https:\/\/www.dzone.cz\/wp-content\/uploads\/dolary%20v%20kufru.jpg","height":0,"width":0},"url":"https:\/\/www.dzone.cz\/zakladni-podminky-pujcek-a-uveru\/","about":["Internet"],"wordCount":485,"articleBody":"       Nejprve je pot\u0159eba si trochu objasnit, co je to vlastn\u011b p\u016fj\u010dka a co \u00fav\u011br. P\u016fj\u010dka m\u016f\u017ee b\u00fdt nap\u0159\u00edklad spot\u0159ebitelsk\u00e1, tu z\u0159ejm\u011b zn\u00e1 ka\u017ed\u00fd z n\u00e1s, kdo si p\u016fj\u010doval pen\u00edze na vybaven\u00ed dom\u00e1cnosti, na po\u0159\u00edzen\u00ed nov\u00e9 televize nebo lo\u017enice \u010di koupi automobilu na p\u016fj\u010dku. Financuj\u00ed se pomoc\u00ed t\u011bchto pen\u011bz r\u016fzn\u00e9 mo\u017enosti, jako je pr\u00e1v\u011b vybaven\u00ed dom\u00e1cnosti nebo po\u0159\u00edzen\u00ed pot\u0159ebn\u00fdch v\u011bc\u00ed. P\u016fj\u010dku si mohou sjednat osoby nad 18 let v\u011bku, \u017eij\u00edc\u00ed v \u010cesk\u00e9 republice, kte\u0159\u00ed jsou pr\u00e1voplatn\u011b zp\u016fsobil\u00ed k t\u011bmto \u00fakon\u016f, co\u017e je v podstat\u011b ka\u017ed\u00fd z n\u00e1s, kdo m\u00e1 ob\u010danku a vykon\u00e1v\u00e1 b\u011b\u017en\u00e9 pot\u0159eby. Spot\u0159ebitelsk\u00fd \u00fav\u011br m\u016f\u017ee sahat a\u017e do vysok\u00fdch \u010d\u00e1stek, ov\u0161em u milion\u016f u\u017e se v\u011bt\u0161inou p\u0159em\u00fd\u0161l\u00ed nad hypot\u00e9kou co\u017e je \u00fav\u011br. \u00dav\u011br je dlouhodob\u00fd a v\u011bt\u0161inou se jedn\u00e1 o hypot\u00e9ku.Chcete vy\u0159e\u0161it svou finan\u010dn\u00ed situaci? Pom\u016f\u017ee nebankovn\u00ed hypot\u00e9ka Fahd.cz.Doba spl\u00e1cen\u00ed v p\u0159\u00edpad\u011b p\u016fj\u010dky m\u016f\u017ee b\u00fdt od jednoho roku a\u017e po 30 let. Spl\u00e1c\u00edte m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, kter\u00e1 se V\u00e1m vypo\u010d\u00edt\u00e1. U nebankovn\u00edch spole\u010dnost\u00ed nemus\u00ed vadit z\u00e1znam v registru dlu\u017en\u00edk\u016f, i p\u0159esto m\u016f\u017eete z\u00edskat p\u016fj\u010dku a nemus\u00ed vadit ani n\u00edzk\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. Nebankovn\u00ed spole\u010dnosti V\u00e1m to mnohdy dok\u00e1\u017eou u\u0161\u00edt p\u0159\u00edmo na m\u00edru Va\u0161im pot\u0159eb\u00e1m, proto se u nich nemus\u00edte vl\u00e9zt, jako je tomu v p\u0159\u00edpad\u011b banky, do n\u011bjak\u00fdch tabulek.U hypot\u00e9ky se v\u017edy ru\u010d\u00ed nemovitost\u00ed, kterou d\u00e1te takzvan\u011b do z\u00e1stavy. Ru\u010d\u00edte sv\u00fdm majetkem a d\u00edky tomu m\u016f\u017eete z\u00edskat ni\u017e\u0161\u00ed \u00farokovou sazbu. Dlouh\u00e1 doba spl\u00e1cen\u00ed je samoz\u0159ejmost\u00ed, m\u016f\u017ee se jednat a\u017e o 30 let. Daj\u00ed se zajistit i hypot\u00e9ky na pozemek, stavbu rodinn\u00e9ho domu, na koupi bytu, nebo dokonce je mo\u017enost refinancov\u00e1n\u00ed majetku nebo dru\u017estevn\u00edho bytu.U hypot\u00e9ky nebo jin\u00e9ho \u00fav\u011bru z\u00edsk\u00e1v\u00e1te n\u00edzkou \u00farokovou sazbu. Mo\u017enost p\u0159ed\u010dasn\u00e9ho splacen\u00ed, tolerance z\u00e1znam\u016f v registru dlu\u017en\u00edk\u016f i ni\u017e\u0161\u00edch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f. Je zde mo\u017enost ru\u010dit tak\u00e9 majetkem dal\u0161\u00ed osoby nebo ji p\u0159izvat, aby V\u00e1m takzvan\u011b ru\u010dila.Podnikatelsk\u00e9 \u00fav\u011bryTato kapitola stoj\u00ed samostatn\u011b. Podnikatelsk\u00e9 \u00fav\u011bry toti\u017e nemaj\u00ed nic spole\u010dn\u00e9ho s t\u011bmi spot\u0159ebitelsk\u00fdmi a poskytuj\u00ed se v\u00fdhradn\u011b podnikatel\u016fm a firm\u00e1m a to pro financov\u00e1n\u00ed jejich pot\u0159eb spojen\u00fdch s podnik\u00e1n\u00edm.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1kladn\u00ed podm\u00ednky p\u016fj\u010dek a \u00fav\u011br\u016f","item":"https:\/\/www.dzone.cz\/zakladni-podminky-pujcek-a-uveru\/#breadcrumbitem"}]}]