[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.caat.cz\/vase-bonita-muze-byt-lepsi-nez-to-na-prvni-pohled-vypada\/#Article","mainEntityOfPage":"https:\/\/www.caat.cz\/vase-bonita-muze-byt-lepsi-nez-to-na-prvni-pohled-vypada\/","headline":"Va\u0161e bonita m\u016f\u017ee b\u00fdt lep\u0161\u00ed, ne\u017e to na prvn\u00ed pohled vypad\u00e1","name":"Va\u0161e bonita m\u016f\u017ee b\u00fdt lep\u0161\u00ed, ne\u017e to na prvn\u00ed pohled vypad\u00e1","description":"Mnoho \u017eadatel\u016f o p\u016fj\u010dku se vrac\u00ed z klasick\u00fdch bankovn\u00edch dom\u016f s nepo\u0159\u00edzenou pr\u00e1v\u011b proto, \u017ee maj\u00ed n\u00edzkou bonitu. To m\u016f\u017ee v praxi znamenat ledasco. Pod takov\u00fdm hodnocen\u00edm se mohou skr\u00fdvat n\u00edzk\u00e9 p\u0159\u00edjmy stejn\u011b tak jako vysok\u00e9 v\u00fddaje. Tak\u017ee i kdy\u017e m\u00e1te t\u0159eba vysok\u00fd p\u0159\u00edjem, ale \u017eiv\u00edte z n\u011bj po\u010detnou rodinu a n\u00e1kladnou dom\u00e1cnost, tak nemus\u00edte...","datePublished":"2019-09-12","dateModified":"2019-09-12","author":{"@type":"Person","@id":"https:\/\/www.caat.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.caat.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"caat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.caat.cz\/wp-content\/uploads\/img_a343755_w3185_t1557134444.jpg","url":"https:\/\/www.caat.cz\/wp-content\/uploads\/img_a343755_w3185_t1557134444.jpg","height":0,"width":0},"url":"https:\/\/www.caat.cz\/vase-bonita-muze-byt-lepsi-nez-to-na-prvni-pohled-vypada\/","about":["Online"],"wordCount":437,"articleBody":"   Mnoho \u017eadatel\u016f o p\u016fj\u010dku se vrac\u00ed z klasick\u00fdch bankovn\u00edch dom\u016f s nepo\u0159\u00edzenou pr\u00e1v\u011b proto, \u017ee maj\u00ed n\u00edzkou bonitu. To m\u016f\u017ee v praxi znamenat ledasco. Pod takov\u00fdm hodnocen\u00edm se mohou skr\u00fdvat n\u00edzk\u00e9 p\u0159\u00edjmy stejn\u011b tak jako vysok\u00e9 v\u00fddaje. Tak\u017ee i kdy\u017e m\u00e1te t\u0159eba vysok\u00fd p\u0159\u00edjem, ale \u017eiv\u00edte z n\u011bj po\u010detnou rodinu a n\u00e1kladnou dom\u00e1cnost, tak nemus\u00edte posuzovac\u00edm s\u00edtem proj\u00edt. Nicm\u00e9n\u011b stejn\u011b tak jim nemus\u00ed proj\u00edt ani \u010dlov\u011bk, kter\u00fd m\u00e1 pr\u016fm\u011brn\u00e9 i ni\u017e\u0161\u00ed p\u0159\u00edjmy, a p\u0159esto jsou jeho v\u00fddaje miziv\u00e9, tak\u017ee ka\u017ed\u00fd m\u011bs\u00edc mnoho pen\u011bz u\u0161et\u0159\u00ed. Nicm\u00e9n\u011b na n\u011bco takov\u00e9ho banky nehled\u00ed. Banky maj\u00ed pro v\u00fdpo\u010dty bonity \u017eadatel\u016f p\u0159ipraveny standardn\u00ed v\u00fdpo\u010dty a pravidla, kter\u00e1 plat\u00ed stejn\u011b pro v\u0161echny bez p\u0159ihl\u00e9dnut\u00ed k individu\u00e1ln\u00edm odli\u0161nostem. A to v praxi znamen\u00e1, \u017ee i kdy\u017e ze sv\u00e9ho p\u0159\u00edjmu u\u0161et\u0159\u00edte hromadu pen\u011bz, tak v\u00e1m takov\u00e9 \u00faspory banka neuzn\u00e1, nebo\u0165 nap\u0159\u00edklad po\u010d\u00edt\u00e1 s minim\u00e1ln\u00edmi v\u00fddaji na dom\u00e1cnost ve v\u00fd\u0161i \u010dty\u0159iceti procent z p\u0159\u00edjmu. Pokud pr\u00e1v\u011b v takov\u00e9 situaci v bance neusp\u011bjete, m\u016f\u017ee b\u00fdt pro v\u00e1s v\u00fdhodn\u00e9 po\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku. Lid\u00e9 zpravidla p\u00e1traj\u00ed po hypot\u00e9ce bez dolo\u017een\u00ed p\u0159\u00edjmu, proto\u017ee se myln\u011b domn\u00edvaj\u00ed, \u017ee u takov\u00e9ho \u00fav\u011bru nebudou muset dokl\u00e1dat, jak\u00e1 je v\u00fd\u0161e jejich p\u0159\u00edjm\u016f. Tak to ale ve skute\u010dnosti nefunguje, a a\u0165 u\u017e po\u017e\u00e1d\u00e1te o pen\u00edze na libovoln\u00e9m m\u00edst\u011b, tak po\u010d\u00edtejte s t\u00edm, \u017ee v ka\u017ed\u00e9m p\u0159\u00edpad\u011b v\u011b\u0159itel va\u0161e p\u0159\u00edjmy prov\u011b\u0159\u00ed, a\u0165 u\u017e jde o banku, nebankovn\u00ed spole\u010dnost \u010di n\u011bkoho jin\u00e9ho. Je to nezbytn\u00e9 z hlediska z\u00e1kona, a tak\u00e9 proto, \u017ee nikdo nestoj\u00ed o dlu\u017en\u00edky, kte\u0159\u00ed nedostoj\u00ed sv\u00fdm z\u00e1vazk\u016fm. Nicm\u00e9n\u011b i tak v\u00e1m v mnoha ohledech m\u016f\u017ee pr\u00e1v\u011b nebankovn\u00ed spole\u010dnost vyj\u00edt v\u00edce vst\u0159\u00edc, ne\u017e banka, p\u0159edev\u0161\u00edm z toho d\u016fvodu, \u017ee bude va\u0161e p\u0159\u00edjmy posuzovat individu\u00e1ln\u011b a v kontextu va\u0161\u00ed konkr\u00e9tn\u00ed situace a va\u0161ich mo\u017enost\u00ed. Nebudete se tak muset tr\u00e1pit \u017e\u00e1dn\u00fdm nespravedliv\u011b nastaven\u00fdm univerz\u00e1ln\u00edm pau\u0161\u00e1lem, ale rozhodovat budou va\u0161e skute\u010dn\u00e9 p\u0159\u00edjmy a re\u00e1ln\u00e9 v\u00fddaje.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Va\u0161e bonita m\u016f\u017ee b\u00fdt lep\u0161\u00ed, ne\u017e to na prvn\u00ed pohled vypad\u00e1","item":"https:\/\/www.caat.cz\/vase-bonita-muze-byt-lepsi-nez-to-na-prvni-pohled-vypada\/#breadcrumbitem"}]}]