[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.maniola.cz\/dostupnejsi-uver\/#Article","mainEntityOfPage":"https:\/\/www.maniola.cz\/dostupnejsi-uver\/","headline":"Dostupn\u011bj\u0161\u00ed \u00fav\u011br","name":"Dostupn\u011bj\u0161\u00ed \u00fav\u011br","description":"Ano, banky v posledn\u00edm roce zm\u011bnily pravidla pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f, jeliko\u017e se zp\u0159\u00edsnily p\u0159edpisy. V takov\u00fdch podm\u00ednk\u00e1ch m\u00e1 \u017eadatel o \u00fav\u011br slo\u017eitou situaci. Je to jednoduch\u00e9, pokud jste zam\u011bstnancem, kter\u00fd m\u016f\u017ee v\u00fd\u0161i cel\u00e9ho sv\u00e9ho p\u0159\u00edjmu jednodu\u0161e dolo\u017eit, m\u00e1 u firmy smlouvu na dobu neur\u010ditou a v zam\u011bstn\u00e1n\u00ed je ji\u017e mnoho let. Nav\u00edc se mu nikdy […]","datePublished":"2017-07-04","dateModified":"2017-07-04","author":{"@type":"Person","@id":"https:\/\/www.maniola.cz\/author\/#Person","name":"","url":"https:\/\/www.maniola.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"maniola.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.maniola.cz\/wp-content\/uploads\/img_a294139_w1761_t1506067797.jpg","url":"https:\/\/www.maniola.cz\/wp-content\/uploads\/img_a294139_w1761_t1506067797.jpg","height":0,"width":0},"url":"https:\/\/www.maniola.cz\/dostupnejsi-uver\/","about":["Online"],"wordCount":409,"articleBody":"  Ano, banky v posledn\u00edm roce zm\u011bnily pravidla pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f, jeliko\u017e se zp\u0159\u00edsnily p\u0159edpisy. V takov\u00fdch podm\u00ednk\u00e1ch m\u00e1 \u017eadatel o \u00fav\u011br slo\u017eitou situaci. Je to jednoduch\u00e9, pokud jste zam\u011bstnancem, kter\u00fd m\u016f\u017ee v\u00fd\u0161i cel\u00e9ho sv\u00e9ho p\u0159\u00edjmu jednodu\u0161e dolo\u017eit, m\u00e1 u firmy smlouvu na dobu neur\u010ditou a v zam\u011bstn\u00e1n\u00ed je ji\u017e mnoho let. Nav\u00edc se mu nikdy nestalo, \u017ee by se zpozdil s platbou n\u011bkter\u00e9 slo\u017eenky a m\u016f\u017ee se tak py\u0161nit neposkvrn\u011bn\u00fdm registrem dlu\u017en\u00edk\u016f. Ne v\u0161ichni maj\u00ed p\u0159i \u017e\u00e1dosti o \u00fav\u011br tak jednoduchou situaci. Velmi \u010dasto dost\u00e1vaj\u00ed zam\u011bstnanci ve firm\u00e1ch i odm\u011bny, kter\u00e9 nemohou b\u00fdt podkladem pro v\u00fdpo\u010det \u0159\u00e1dn\u00e9 v\u00fd\u0161e p\u0159\u00edjm\u016f. A a\u010dkoliv by nem\u011bli probl\u00e9m se spl\u00e1cen\u00edm \u00fav\u011bru, bohu\u017eel jsou pro banku rizikov\u00fdm klientem a jejich \u017e\u00e1dost b\u00fdv\u00e1 zam\u00edtnuta.Nebankovn\u00ed hypot\u00e9ka je v\u0161ak zcela jin\u00fd produkt. \u0160anci na z\u00edsk\u00e1n\u00ed \u00fav\u011bru m\u00e1 skute\u010dn\u011b ka\u017ed\u00fd, proto\u017ee ke ka\u017ed\u00e9mu klientovi je p\u0159istupov\u00e1no individu\u00e1ln\u011b, na z\u00e1klad\u011b jeho situace a aktu\u00e1ln\u00edch pot\u0159eb. Jen tak je mo\u017en\u00e9 navrhnout odpov\u00eddaj\u00edc\u00ed \u0159e\u0161en\u00ed, kter\u00e9 bude vyhovovat v\u0161em z\u00fa\u010dastn\u011bn\u00fdm stran\u00e1m. S nebankovn\u00ed hypot\u00e9kou m\u016f\u017eete vy\u0159e\u0161it i va\u0161i t\u00ed\u017eivou finan\u010dn\u00ed situaci, jeliko\u017e je velmi vhodn\u00fdm n\u00e1strojem pro refinancov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edch \u00fav\u011br\u016f. Drobn\u00e9 \u00fav\u011bry, kter\u00e9 zat\u011b\u017euj\u00ed v\u00e1\u0161 rodinn\u00fd rozpo\u010det, je mo\u017en\u00e9 okam\u017eit\u011b splatit a m\u00edsto n\u011bkolika \u00fav\u011br\u016f za\u010d\u00edt platit jen jeden, s ni\u017e\u0161\u00ed \u00farokovou sazbou, a p\u0159edev\u0161\u00edm s mo\u017enost\u00ed spl\u00e1cet d\u00e9le. Pokud se prodlou\u017e\u00ed doba spl\u00e1cen\u00ed \u00fav\u011bru, v\u00fdrazn\u011b klesne \u010d\u00e1stka, kterou m\u011bs\u00ed\u010dn\u011b odepisujete z va\u0161eho bankovn\u00edho \u00fa\u010dtu. Va\u0161\u00ed rodin\u011b tak bude zb\u00fdvat v\u00edce finan\u010dn\u00ed hotovosti a m\u016f\u017eete si dovolit nakoupit i nov\u00e9 vybaven\u00ed do dom\u00e1cnosti, nebo si po letech dop\u0159\u00e1t spole\u010dnou dovolenou. P\u0159edb\u011b\u017enou kalkulaci v\u00e1m r\u00e1di zpracujeme a z\u00edsk\u00e1te p\u0159edstavu o tom, jak by vypadala va\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka i jak dlouho byste uvedenou v\u00fd\u0161i \u00fav\u011bru spl\u00e1celi.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dostupn\u011bj\u0161\u00ed \u00fav\u011br","item":"https:\/\/www.maniola.cz\/dostupnejsi-uver\/#breadcrumbitem"}]}]