[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gravit.cz\/staci-nekolik-udaju-a-uveru-nestoji-nic-v-ceste\/#Article","mainEntityOfPage":"https:\/\/www.gravit.cz\/staci-nekolik-udaju-a-uveru-nestoji-nic-v-ceste\/","headline":"Sta\u010d\u00ed n\u011bkolik \u00fadaj\u016f a \u00fav\u011bru nestoj\u00ed nic v cest\u011b","name":"Sta\u010d\u00ed n\u011bkolik \u00fadaj\u016f a \u00fav\u011bru nestoj\u00ed nic v cest\u011b","description":"Rozhodnete-li se po\u017e\u00e1dat o \u00fav\u011br banku nebo i nebankovn\u00ed spole\u010dnost, pak mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee o v\u00e1s budou zji\u0161\u0165ovat n\u011bkter\u00e9 \u00fadaje. V bance to bude asi pon\u011bkud slo\u017eit\u011bj\u0161\u00ed, proto\u017ee tam maj\u00ed sv\u00e9 podm\u00ednky daleko p\u0159\u00edsn\u011bj\u0161\u00ed. Pokud m\u00e1te z\u00e1znamy v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f anebo p\u0159\u00edli\u0161 n\u00edzk\u00fd p\u0159\u00edjem, pak s touto finan\u010dn\u00ed pomoc\u00ed v\u016fbec nepo\u010d\u00edtejte. […]","datePublished":"2018-12-21","dateModified":"2018-12-21","author":{"@type":"Person","@id":"https:\/\/www.gravit.cz\/author\/#Person","name":"","url":"https:\/\/www.gravit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gravit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gravit.cz\/wp-content\/uploads\/img_a333260_w1712_t1546630695.jpg","url":"https:\/\/www.gravit.cz\/wp-content\/uploads\/img_a333260_w1712_t1546630695.jpg","height":0,"width":0},"url":"https:\/\/www.gravit.cz\/staci-nekolik-udaju-a-uveru-nestoji-nic-v-ceste\/","about":["Internet"],"wordCount":417,"articleBody":"      Rozhodnete-li se po\u017e\u00e1dat o \u00fav\u011br banku nebo i nebankovn\u00ed spole\u010dnost, pak mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee o v\u00e1s budou zji\u0161\u0165ovat n\u011bkter\u00e9 \u00fadaje. V bance to bude asi pon\u011bkud slo\u017eit\u011bj\u0161\u00ed, proto\u017ee tam maj\u00ed sv\u00e9 podm\u00ednky daleko p\u0159\u00edsn\u011bj\u0161\u00ed. Pokud m\u00e1te z\u00e1znamy v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f anebo p\u0159\u00edli\u0161 n\u00edzk\u00fd p\u0159\u00edjem, pak s touto finan\u010dn\u00ed pomoc\u00ed v\u016fbec nepo\u010d\u00edtejte. \u00a7 U nebankovn\u00edch poskytovatel\u016f se m\u016f\u017eete setkat s jedn\u00edm zaj\u00edmav\u00fdm finan\u010dn\u00edm produktem, kter\u00fdm je hypot\u00e9ka bez p\u0159\u00edjmu. – Je to ale pro n\u011bkter\u00e9 klienty trochu matouc\u00ed.Neznamen\u00e1 to, \u017ee nikoho nebude zaj\u00edmat, jestli m\u00e1te dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy, abyste mohli spl\u00e1cet sv\u016fj z\u00e1vazek.Sp\u00ed\u0161e se jedn\u00e1 o to, \u017ee jsou tyto \u00fadaje snadno dolo\u017eiteln\u00e9 a zjistiteln\u00e9. \u00a7 N\u011bkdy se m\u016f\u017ee st\u00e1t, \u017ee nejsou pr\u00e1v\u011b ty va\u0161e p\u0159\u00edjmy dostate\u010dn\u011b transparentn\u00ed. \u00a7 Ani to nemus\u00ed b\u00fdt p\u0159ek\u00e1\u017ekou v z\u00edsk\u00e1n\u00ed hypot\u00e9ky. – \u0158e\u0161it se to d\u00e1 nap\u0159\u00edklad t\u00edm, \u017ee si p\u0159iberete t\u0159et\u00ed osobu jako spoludlu\u017en\u00edka a ten se pot\u0159ebn\u00fdmi \u00fadaji prok\u00e1\u017ee. \u017dadatelem m\u016f\u017ee b\u00fdt i starobn\u00ed d\u016fchodce Jestli\u017ee va\u0161e p\u0159\u00edjmy pramen\u00ed kup\u0159\u00edkladu z pron\u00e1jm\u016f byt\u016f nebo dom\u016f, pak je zapot\u0159eb\u00ed dolo\u017eit je da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm za posledn\u00ed zda\u0148ovac\u00ed obdob\u00ed a n\u00e1jemn\u00ed smlouvou. K tomu je nutn\u00e9 p\u0159ipravit si v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f minim\u00e1ln\u011b za posledn\u00ed t\u0159i m\u011bs\u00edce a\u017e p\u016fl roku. Posta\u010d\u00ed i p\u0159\u00edjmov\u00e9 doklady za stejn\u00e9 obdob\u00ed. \u00a7 \u017dadatel\u00e9, kte\u0159\u00ed jsou na rodi\u010dovsk\u00e9 dovolen\u00e9 anebo pob\u00edraj\u00ed starobn\u00ed d\u016fchod maj\u00ed n\u011bkdy obavu, \u017ee jim hypot\u00e9ka nebude poskytnuta. \u00a7 Ale ani v t\u011bchto p\u0159\u00edpadech to nemus\u00ed b\u00fdt \u017e\u00e1dn\u00fd probl\u00e9m. Sta\u010d\u00ed dolo\u017eit rozhodnut\u00ed o p\u0159izn\u00e1n\u00ed d\u00e1vky, pop\u0159\u00edpad\u011b o vym\u011b\u0159en\u00ed d\u016fchodu. K tomu se mus\u00ed p\u0159ilo\u017eit v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f minim\u00e1ln\u011b za posledn\u00edch t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f. \u00a7 Vcelku jednoduch\u00e9 je dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f u zam\u011bstnanc\u016f.  – Posta\u010d\u00ed pracovn\u00ed smlouva, v\u00fdplatn\u00ed p\u00e1sky a v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f. – Ve\u0161ker\u00e9 tyto informace op\u011bt za t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f.                                                                                                                                                                                                                                                                                                                                                                                                  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