[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.interkit.cz\/pomoc-se-vzdy-sezene\/#Article","mainEntityOfPage":"https:\/\/www.interkit.cz\/pomoc-se-vzdy-sezene\/","headline":"Pomoc se v\u017edy se\u017eene","name":"Pomoc se v\u017edy se\u017eene","description":"Kdy\u017e se \u010dlov\u011bk dostane do finan\u010dn\u00edch nesn\u00e1z\u00ed, nezb\u00fdv\u00e1 mu nic jin\u00e9ho, ne\u017e si s nimi n\u011bjak poradit. Proto\u017ee \u017e\u00edt.","datePublished":"2019-10-03","dateModified":"2019-10-03","author":{"@type":"Person","@id":"https:\/\/www.interkit.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.interkit.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"interkit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.interkit.cz\/wp-content\/uploads\/img_a367000_w2189_t1579438942.jpg","url":"https:\/\/www.interkit.cz\/wp-content\/uploads\/img_a367000_w2189_t1579438942.jpg","height":0,"width":0},"url":"https:\/\/www.interkit.cz\/pomoc-se-vzdy-sezene\/","about":["Pen\u00edze"],"wordCount":442,"articleBody":"   Kdy\u017e se \u010dlov\u011bk dostane do finan\u010dn\u00edch nesn\u00e1z\u00ed, nezb\u00fdv\u00e1 mu nic jin\u00e9ho, ne\u017e si s nimi n\u011bjak poradit. Proto\u017ee \u017e\u00edt s takov\u00fdmi obt\u00ed\u017eemi v\u011b\u010dn\u011b nen\u00ed ani trochu p\u0159\u00edjemn\u00e9, ba m\u016f\u017ee to b\u00fdt potenci\u00e1ln\u011b i nebezpe\u010dn\u00e9. Proto\u017ee si mo\u017en\u00e1 dok\u00e1\u017eete p\u0159edstavit, co v\u0161echno \u010dlov\u011bku hroz\u00ed, kdy\u017e neplat\u00ed za to, za co platit m\u00e1, dlu\u017e\u00ed, kam se jenom pod\u00edv\u00e1, a nem\u00e1 ani korunu.Jen\u017ee co se s t\u00edm d\u00e1 d\u011blat? Kdy\u017e by \u010dlov\u011bk t\u0159eba i p\u0159eochotn\u011b platit v\u0161echny sv\u00e9 z\u00e1vazky a byl tak pova\u017eov\u00e1n za slu\u0161n\u00e9ho \u010dlov\u011bka, jen\u017ee na to nem\u00e1? Proto\u017ee v\u00fd\u0161e jeho p\u0159\u00edjm\u016f ani zdaleka neodpov\u00edd\u00e1 jeho v\u00fddaj\u016fm a dluhy ho pozvolna nebo i p\u0159\u00edmo rychlost\u00ed blesku t\u00e1hnou ke dnu?V takov\u00e9 situaci je nejednou tou posledn\u00ed nad\u011bj\u00ed na vyb\u0159ednut\u00ed z probl\u00e9m\u016f p\u016fj\u010dka. Je\u017e je ale i sama o sob\u011b probl\u00e9mem. Proto\u017ee n\u011bkomu, kdo m\u00e1 nemal\u00e9 finan\u010dn\u00ed obt\u00ed\u017ee, nikdo zrovna moc ochotn\u011b nep\u016fj\u010duje. Sp\u00ed\u0161e mu zav\u00edraj\u00ed v bankovn\u00edch domech pomysln\u00e9 dve\u0159e p\u0159ed nosem a v\u017edy si najdou n\u011bjak\u00fd d\u016fvod, pro\u010d n\u011bkomu takov\u00e9mu \u0159\u00edci \u201ane\u2018.V bank\u00e1ch zkr\u00e1tka neradi riskuj\u00ed, a proto \u010dlov\u011bku, kter\u00fd nespl\u0148uje p\u0159\u00edsn\u00e9 n\u00e1roky bank\u00e9\u0159\u016f, rad\u011bji nep\u016fj\u010d\u00ed ani korunu. Na rozd\u00edl t\u0159eba od nebankovn\u00ed hypot\u00e9ky, kde i takov\u00fdto \u010dlov\u011bk usp\u011bt dok\u00e1\u017ee. A to proto, \u017ee pro zm\u00edn\u011bn\u00fd produkt nebankovn\u00edho sektoru nemus\u00ed b\u00fdt probl\u00e9mem ani nic z toho, co \u010dlov\u011bku v bance pomysln\u011b zlom\u00ed vaz, jako jsou dluhy, n\u00edzk\u00e9 p\u0159\u00edjmy, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, exekuce a podobn\u011b.Takovou hypot\u00e9ku lze z\u00edskat snadno, bez slo\u017eit\u00e9ho pap\u00edrov\u00e1n\u00ed i bez poplatk\u016f p\u0159edem. U\u017e i do \u010dty\u0159iadvaceti hodin od dod\u00e1n\u00ed n\u00e1le\u017eit\u00fdch podklad\u016f tu m\u016f\u017ee \u010dlov\u011bk dr\u017eet v ruce hotovost, j\u00ed\u017e lze poplatit cokoliv, co je pot\u0159eba, v\u010detn\u011b exekuc\u00ed, nev\u00fdhodn\u00fdch p\u016fj\u010dek, z\u00e1stav a podobn\u011b. A ka\u017ed\u00fd m\u016f\u017ee dostat k dispozici a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny nemovitosti, je\u017e se tu \u2013 jak je u hypot\u00e9k samoz\u0159ejm\u00e9 \u2013 d\u00e1v\u00e1 do z\u00e1stavy.A pak sta\u010d\u00ed to jenom podle dohody b\u011bhem roku a\u017e t\u0159iceti let po snesiteln\u00fdch spl\u00e1tk\u00e1ch splatit. A co si p\u0159\u00e1t v\u00edc?                                                                                                                                                                                                                                                                                                                                                                                                  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