[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.abudo.cz\/dluznici-to-maji-tezke\/#Article","mainEntityOfPage":"https:\/\/www.abudo.cz\/dluznici-to-maji-tezke\/","headline":"Dlu\u017en\u00edci to maj\u00ed t\u011b\u017ek\u00e9","name":"Dlu\u017en\u00edci to maj\u00ed t\u011b\u017ek\u00e9","description":"Banky spole\u010dnosti poskytuj\u00edc\u00ed r\u016fzn\u00e9 p\u016fj\u010dky a \u00fav\u011bry jsi velmi dob\u0159e prov\u011b\u0159uj\u00ed komu svoje pen\u00edze p\u016fj\u010d\u00ed. … ","datePublished":"2024-12-24","dateModified":"2024-12-24","author":{"@type":"Person","@id":"https:\/\/www.abudo.cz\/author\/#Person","name":"abudo.cz","url":"https:\/\/www.abudo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"abudo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.abudo.cz\/wp-content\/uploads\/architect-1080592_640(1)_1.jpg","url":"https:\/\/www.abudo.cz\/wp-content\/uploads\/architect-1080592_640(1)_1.jpg","height":0,"width":0},"url":"https:\/\/www.abudo.cz\/dluznici-to-maji-tezke\/","about":["Ekonomika"],"wordCount":412,"articleBody":"   Banky spole\u010dnosti poskytuj\u00edc\u00ed r\u016fzn\u00e9 p\u016fj\u010dky a \u00fav\u011bry jsi velmi dob\u0159e prov\u011b\u0159uj\u00ed komu svoje pen\u00edze p\u016fj\u010d\u00ed. Proto vyu\u017e\u00edvaj\u00ed r\u016fzn\u00e9 registry dlu\u017en\u00edk\u016f, kde lze snadno dohledat, zda \u017eadatel o \u00fav\u011br nem\u00e1 \u0161patnou platebn\u00ed historii. Pokud se \u017eadatelovo jm\u00e9no v registru ocitne, je t\u00e9m\u011b\u0159 jist\u00e9 \u017ee \u00fav\u011br mu bude zam\u00edtnut\u00fd. A to dokonce bez ohledu na to, jak se jeho jm\u00e9no do registru dlu\u017en\u00edk\u016f dostalo. Velmi \u010dast\u00fd p\u0159\u00edpad je, kdy rodi\u010de za sv\u00e9 nezletil\u00e9 d\u011bti nehrad\u00ed n\u011bkter\u00e9 poplatky a po n\u011bkolika letech se d\u00edt\u011bti ozve exekutor s vysok\u00fdm dluhem. V registrech dlu\u017en\u00edk\u016f jsou evidov\u00e1n\u00ed dlu\u017en\u00edci po dobu 5 let od ukon\u010den\u00ed exekuce nebo insolvence. To samoz\u0159ejm\u011b t\u011bmto lidem m\u016f\u017ee zav\u0159\u00edt dve\u0159e nap\u0159\u00edklad k \u00fav\u011bru na bydlen\u00ed nebo k jak\u00e9koliv jin\u00e9 spot\u0159ebitelsk\u00e9 p\u016fj\u010dce. Tyto spole\u010dnosti se t\u00edm chr\u00e1n\u00ed p\u0159ed t\u00edm, kdyby \u010dlov\u011bk se \u0161patnou platebn\u00ed historii n\u00e1sledn\u011b nespl\u00e1cel nov\u00e9 z\u00e1vazky. Bohu\u017eel \u010dlov\u011bk sice m\u016f\u017ee n\u011bkdy prok\u00e1zat, \u017ee se do exekuc\u00ed dostal nevlastn\u00ed vinou, ale spole\u010dnosti k t\u011bmto lidem p\u0159istupuj\u00ed \u00fapln\u011b stejn\u011b jako k t\u011bm, kte\u0159\u00ed si nabrali p\u016fj\u010dky a nespl\u00e1celi je. Velk\u00fd probl\u00e9m je to v p\u0159\u00edpad\u011b hypot\u00e9ky. Banky si velice pe\u010dliv\u011b vyb\u00edraj\u00ed, komu hypot\u00e9ku schv\u00e1l\u00ed, a pokud zjist\u00ed \u017ee dan\u00fd \u017eadatel m\u00e1 z\u00e1znam v registru, \u017e\u00e1dost o hypot\u00e9ku zam\u00edtne. Na\u0161t\u011bst\u00ed existuje hypot\u00e9ka bez registru americka-nebankovni-hypoteka.cz, kterou poskytuj\u00ed r\u016fzn\u00e9 nebankovn\u00ed spole\u010dnosti. Velkou v\u00fdhodou je \u017ee tuto hypot\u00e9ku z\u00edsk\u00e1 i \u010dlov\u011bk se z\u00e1znamem v registru dlu\u017en\u00edk\u016f. Dal\u0161\u00ed obrovskou v\u00fdhodou nebankovn\u00ed hypot\u00e9ky je \u017ee nebankovn\u00ed spole\u010dnosti ne\u0159e\u0161\u00ed p\u016fvod va\u0161ich financ\u00ed. Pokud jste se dostali za jak\u00e9koliv situace do dluh\u016f, kter\u00e9 vedly k exekuci nebo insolvenci, i v takov\u00e9m p\u0159\u00edpad\u011b si m\u016f\u017eete po\u017e\u00e1dat o hypot\u00e9ku. Nebankovn\u00ed spole\u010dnosti v\u00e1m ji nejsp\u00ed\u0161e schv\u00e1l\u00ed. Ne\u017e si ale u\u017e hypot\u00e9ku po\u017e\u00e1d\u00e1te, velice d\u016fsledn\u011b zva\u017ete, zda si m\u016f\u017eete dovolit spl\u00e1cet. I nebankovn\u00ed spole\u010dnosti vy\u017eaduj\u00ed z\u00e1stavn\u00ed pr\u00e1vo a pokud byste nespl\u00e1celi, o nemovitost p\u0159ijdete.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dlu\u017en\u00edci to maj\u00ed t\u011b\u017ek\u00e9","item":"https:\/\/www.abudo.cz\/dluznici-to-maji-tezke\/#breadcrumbitem"}]}]