[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kcms.cz\/rizikovy-zadatele-jak-a-kde-zadat-o-uver\/#Article","mainEntityOfPage":"https:\/\/www.kcms.cz\/rizikovy-zadatele-jak-a-kde-zadat-o-uver\/","headline":"Rizikov\u00fd \u017eadatel\u00e9: Jak a kde \u017e\u00e1dat o \u00fav\u011br?","name":"Rizikov\u00fd \u017eadatel\u00e9: Jak a kde \u017e\u00e1dat o \u00fav\u011br?","description":"Pro banku m\u016f\u017ee b\u00fdt \u017eadatel p\u0159\u00edli\u0161 rizikov\u00fd hned z n\u011bkolika d\u016fvod\u016f a velmi n\u00e1ro\u010dn\u011b se t\u00e9to pomysln\u00e9 n\u00e1lepky bude zbavovat. […]","datePublished":"2022-02-09","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.kcms.cz\/author\/#Person","name":"","url":"https:\/\/www.kcms.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kcms.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kcms.cz\/wp-content\/uploads\/man-g1c1665361_640_3.jpg","url":"https:\/\/www.kcms.cz\/wp-content\/uploads\/man-g1c1665361_640_3.jpg","height":0,"width":0},"url":"https:\/\/www.kcms.cz\/rizikovy-zadatele-jak-a-kde-zadat-o-uver\/","about":["Finance"],"wordCount":394,"articleBody":"   Pro banku m\u016f\u017ee b\u00fdt \u017eadatel p\u0159\u00edli\u0161 rizikov\u00fd hned z n\u011bkolika d\u016fvod\u016f a velmi n\u00e1ro\u010dn\u011b se t\u00e9to pomysln\u00e9 n\u00e1lepky bude zbavovat. Probl\u00e9mem m\u016f\u017ee b\u00fdt n\u00edzk\u00e1 bonita, nedostate\u010dn\u00fd \u010di \u0161patn\u011b prokazateln\u00fd p\u0159\u00edjem, p\u0159\u00edli\u0161 mnoho z\u00e1vazk\u016f, nedostate\u010dn\u00e1 bonita ad. Nen\u00ed zapot\u0159eb\u00ed propadat panice, pokud v\u00e1m banka va\u0161\u00ed \u017e\u00e1dost o \u00fav\u011br zam\u00edtne, existuj\u00ed i dal\u0161\u00ed mo\u017enosti, kter\u00e9 v\u00e1m nakonec pot\u0159ebn\u00e9 pen\u00edze p\u0159inesou. A samoz\u0159ejm\u011b, zam\u011b\u0159\u00edme se pouze na ty leg\u00e1ln\u00ed\u2026Nebankovn\u00ed spole\u010dnosti nab\u00edz\u00ed \u0159e\u0161en\u00edNebankovky jsou pro mnoh\u00e9 trnem v oku, nebo\u0165 se zdaj\u00ed b\u00fdti a\u017e p\u0159\u00edli\u0161 velk\u00fdm rizikem. Ne v\u017edy je to ale pravda. Mnoho lid\u00ed je vol\u00ed hlavn\u011b pro jejich spot\u0159ebitelsk\u00e9 \u00fav\u011bry a jen m\u00e1lokdo p\u0159itom v\u00ed, \u017ee je mo\u017en\u00e9 \u017e\u00e1dat t\u0159eba i o hypot\u00e9ky bez registru https:\/\/www.nebankovni-hypoteky-uvery.cz\/penize-ihned\/. Nebankovn\u00ed sektor je v mnoh\u00fdch ohledech ke sv\u00fdm potencion\u00e1ln\u00edm klient\u016fm velmi vst\u0159\u00edcn\u00fd, to v\u0161ichni moc dob\u0159e v\u00edme. \u010casto se ale myln\u011b domn\u00edv\u00e1me, \u017ee za touto vst\u0159\u00edcnost\u00ed je nekal\u00fd \u00famysl poskytovatel\u016f. Samoz\u0159ejm\u011b se s takovou zku\u0161enost\u00ed m\u016f\u017eeme v nebankovn\u00edm sektoru setkat, ale jedn\u00e1 se sp\u00ed\u0161e o v\u00fdjimku ne\u017e pravidlo. Pravdou je, \u017ee nebankovn\u00ed spole\u010dnosti jsou pro rizikov\u00e9 \u017eadatele mnohdy jedinou z\u00e1chranou stanic\u00ed p\u0159ed krachem. Banky takov\u00fdm \u017eadatel\u016fm odm\u00edtaj\u00ed p\u016fj\u010dit a t\u011bm bohu\u017eel nezb\u00fdv\u00e1 jin\u00e1 mo\u017enost, ne\u017e se na spole\u010dnosti v nebankovn\u00edm sektoru obr\u00e1tit. Nav\u00edc n\u011bkter\u00e9 spole\u010dnosti nab\u00edz\u00ed zprost\u0159edkov\u00e1n\u00ed \u00fav\u011bru online, d\u00edky kter\u00e9mu odpad\u00e1 osobn\u00ed n\u00e1v\u0161t\u011bva pobo\u010dky \u010di slo\u017eit\u00e9 pap\u00edrov\u00e1n\u00ed. Naskenovan\u00e9 dokumenty jen sta\u010d\u00ed p\u0159ilo\u017eit k \u017e\u00e1dosti, navolit podm\u00ednky a pak jen \u010dekat, jak se k \u017e\u00e1dosti postav\u00ed samotn\u00fd subjekt. Pokud \u017e\u00e1dost dopadne s kladn\u00fdm vy\u0159\u00edzen\u00edm, pen\u00edze m\u016f\u017eete m\u00edt k dispozici velmi rychle. U nebankovn\u00edch hypot\u00e9k je zapot\u0159eb\u00ed po\u010d\u00edtat, stejn\u011b jako v bank\u00e1ch, se z\u00e1stavou nemovitosti. Ta slou\u017e\u00ed jako pojistka v p\u0159\u00edpad\u011b, kdy by dlu\u017en\u00edk neplnit sv\u00e9 z\u00e1vazky v\u016f\u010di spole\u010dnosti.                                                                                                                                                                                                                                                                                                                                                                                           4.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rizikov\u00fd \u017eadatel\u00e9: Jak a kde \u017e\u00e1dat o \u00fav\u011br?","item":"https:\/\/www.kcms.cz\/rizikovy-zadatele-jak-a-kde-zadat-o-uver\/#breadcrumbitem"}]}]