[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tremas.cz\/pro-koho-jsou-urceny-pujcky-se-zastavou-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.tremas.cz\/pro-koho-jsou-urceny-pujcky-se-zastavou-nemovitosti\/","headline":"Pro koho jsou ur\u010deny p\u016fj\u010dky se z\u00e1stavou nemovitosti?","name":"Pro koho jsou ur\u010deny p\u016fj\u010dky se z\u00e1stavou nemovitosti?","description":"U \u0159ady nebankovn\u00edch spole\u010dnost\u00ed se m\u016f\u017eeme setkat s pojmem \u201ep\u016fj\u010dky se z\u00e1stavou nemovitosti. Jsou ale v\u00fdhodn\u00e9 a pro koho jsou v\u016fbec ur\u010deny. Je pot\u0159eba ...","datePublished":"2022-02-09","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.tremas.cz\/author\/#Person","name":"","url":"https:\/\/www.tremas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tremas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tremas.cz\/wp-content\/uploads\/credit-repair-company-houston-g38570f772_640.jpg","url":"https:\/\/www.tremas.cz\/wp-content\/uploads\/credit-repair-company-houston-g38570f772_640.jpg","height":0,"width":0},"url":"https:\/\/www.tremas.cz\/pro-koho-jsou-urceny-pujcky-se-zastavou-nemovitosti\/","about":["Finance"],"wordCount":388,"articleBody":"   U \u0159ady nebankovn\u00edch spole\u010dnost\u00ed se m\u016f\u017eeme setkat s pojmem \u201ep\u016fj\u010dky se z\u00e1stavou nemovitosti. Jsou ale v\u00fdhodn\u00e9 a pro koho jsou v\u016fbec ur\u010deny. Je pot\u0159eba \u0159\u00edci, \u017ee do podobn\u00e9 skupiny m\u016f\u017eeme za\u0159adit i hypot\u00e9ky, pro jejich\u017e schv\u00e1len\u00ed je tak\u00e9 zapot\u0159eb\u00ed, aby \u017eadatel vlastnil nemovitost, kter\u00e1 slou\u017e\u00ed jako z\u00e1stava bance. Pokud dlu\u017en\u00edk n\u00e1sledn\u011b nespl\u00e1c\u00ed sv\u00e9 pohled\u00e1vky dle z\u00e1vazn\u00e9 \u00fav\u011brov\u00e9 smlouvy, m\u016f\u017ee doj\u00edt k prodeji dan\u00e9 nemovitosti bankou. Podobn\u011b to funguje i u nebankovn\u00edch spole\u010dnost\u00ed, jenom s t\u00edm rozd\u00edlem, \u017ee c\u00edl\u00ed p\u0159ev\u00e1\u017en\u011b na rizikov\u00e9 \u017eadatele. Pro\u010d rizikov\u00fd \u017eadatel\u00e9 na \u00fav\u011br v bance nedos\u00e1hnou? Pokud \u017eadatel o \u00fav\u011br nen\u00ed schopen dolo\u017eit v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f, m\u00e1 v\u00edce pohled\u00e1vek z minulosti \u010di jsou jeho \u00fadaje vedeny v registru dlu\u017en\u00edk\u016f, st\u00e1v\u00e1 se pro banku rizikov\u00fd. Co to znamen\u00e1? S nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed pro n\u011bj bude velmi obt\u00ed\u017en\u00e9 dos\u00e1hnout na jak\u00fdkoliv \u00fav\u011br. V p\u0159\u00edpad\u011b, \u017ee se banka nad n\u00edm p\u0159eci jenom smiluje, je zapot\u0159eb\u00ed po\u010d\u00edtat s v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u00farokovou sazbou. Nebankovn\u00ed spole\u010dnosti v\u0161ak k rizikov\u00fdm \u017eadatel\u016fm p\u0159istupuj\u00ed jinak. Skute\u010dnosti, kter\u00e9 jsou v bankovn\u00edm sektoru jasnou p\u0159ek\u00e1\u017ekou pro schv\u00e1len\u00ed \u00fav\u011bru, pro nebankovn\u00ed nep\u0159edstavuj\u00ed \u017e\u00e1dn\u00fd probl\u00e9m. A co v\u00edc, nebankovn\u00ed instituce na rizikov\u00e9 \u017eadatele \u010dekaj\u00ed p\u0159\u00edmo s otev\u0159enou n\u00e1ru\u010d\u00ed. Za\u017e\u00e1dat o \u00fav\u011br nen\u00ed v\u016fbec n\u00e1ro\u010dn\u00e9 a pov\u011bt\u0161inou je mo\u017en\u00e9 \u017e\u00e1dost vy\u0159\u00eddit i p\u0159es internet. P\u016fj\u010dka se z\u00e1stavou nemovitosti Lightfinance.cz ale p\u0159edstavuje ur\u010dit\u00e9 riziko pro samotn\u00e9 dlu\u017en\u00edky. \u00dav\u011br sice z\u00edsk\u00e1te a\u017e p\u0159ekvapiv\u011b snadno, na druhou stranu zde hroz\u00ed riziko, \u017ee ho nebudete schopni plnohodnotn\u011b spl\u00e1cet. Nebankovn\u00ed spole\u010dnosti se jist\u00ed vysokou \u00farokovou sazbou, ale i nemovitost\u00ed, kter\u00e1 d\u00e1 dlu\u017en\u00edk de facto v\u0161anc. Pokud ov\u0161em p\u016fj\u010dku pot\u0159ebujete a z\u00e1rove\u0148 v\u00e1s banka vyhodnotila jako m\u00e1lo bonitn\u00ed, s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v\u00e1m jinde ne\u017e v nebankovn\u00ed spole\u010dnosti zkr\u00e1tka nep\u016fj\u010d\u00ed.                                                                                                                                                                                                                                                                                                                                                                                           4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro koho jsou ur\u010deny p\u016fj\u010dky se z\u00e1stavou nemovitosti?","item":"https:\/\/www.tremas.cz\/pro-koho-jsou-urceny-pujcky-se-zastavou-nemovitosti\/#breadcrumbitem"}]}]