[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.allka.cz\/aby-vam-ta-pujcka-vysla\/#Article","mainEntityOfPage":"https:\/\/www.allka.cz\/aby-vam-ta-pujcka-vysla\/","headline":"Aby v\u00e1m ta p\u016fj\u010dka vy\u0161la","name":"Aby v\u00e1m ta p\u016fj\u010dka vy\u0161la","description":"Pokud jste se rozhodli, \u017ee je pro v\u00e1s t\u00edm prav\u00fdm, co si po\u0159\u00edd\u00edte, hypot\u00e9ka bez p\u0159\u00edjmu, budi\u017e v\u00e1m p\u0159\u00e1no. Ka\u017ed\u00fd … Pokra\u010dovat ve \u010dten\u00ed<\/a><\/span>","datePublished":"2019-09-13","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.allka.cz\/author\/#Person","name":"","url":"https:\/\/www.allka.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"allka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.allka.cz\/wp-content\/uploads\/img_a343837_w1696_t1557213539.jpg","url":"https:\/\/www.allka.cz\/wp-content\/uploads\/img_a343837_w1696_t1557213539.jpg","height":0,"width":0},"url":"https:\/\/www.allka.cz\/aby-vam-ta-pujcka-vysla\/","about":["Finance"],"wordCount":599,"articleBody":" Pokud jste se rozhodli, \u017ee je pro v\u00e1s t\u00edm prav\u00fdm, co si po\u0159\u00edd\u00edte, hypot\u00e9ka bez p\u0159\u00edjmu, budi\u017e v\u00e1m p\u0159\u00e1no. Ka\u017ed\u00fd je jak zn\u00e1mo sv\u00e9ho \u0161t\u011bst\u00ed str\u016fjcem a pokud ji pot\u0159ebujete a jste schopni splnit po\u017eadavky, je\u017e jsou tu na v\u00e1s kladeny, p\u0159\u00edpadn\u011b jste ochotni n\u00e9st n\u00e1sledky nepln\u011bn\u00ed toho, k \u010demu se zav\u00e1\u017eete, pro\u010d ne? Ov\u0161em ne\u017e se rozhodnete o tuto formu p\u016fj\u010dky za\u017e\u00e1dat, m\u011bli byste v\u011bd\u011bt, \u017ee jakkoliv se jedn\u00e1 o vcelku dostupn\u00fd a tud\u00ed\u017e l\u00edbiv\u00fd produkt, ani zde nen\u00ed r\u016f\u017ee bez trn\u00ed. I zde se mus\u00edte sm\u00ed\u0159it s t\u00edm, \u017ee se nejedn\u00e1 o \u017e\u00e1dnou charitativn\u00ed akci a \u017ee ti, kdo pen\u00edze nab\u00edzej\u00ed, tak \u010din\u00ed jednozna\u010dn\u011b s \u00famyslem se s nimi zase jednou shledat. A proto tu jsou i pravidla, je\u017e byste m\u011bli vz\u00edt v potaz. A\u010d tato p\u016fj\u010dka nese v n\u00e1zvu slova \u201abez p\u0159\u00edjmu\u2018, mus\u00edte se sm\u00ed\u0159it s t\u00edm, \u017ee sv\u00e9 p\u0159\u00edjmy budete muset dolo\u017eit. Proto\u017ee je ka\u017ed\u00fd poskytovatel povinen prov\u011b\u0159it, zda je jeho potenci\u00e1ln\u00ed klient schopen p\u016fj\u010den\u00e9 pen\u00edze adekv\u00e1tn\u011b spl\u00e1cet. Rozd\u00edl je tu pouze v tom, \u017ee na rozd\u00edl od klasick\u00fdch bank nen\u00ed toto prov\u011b\u0159ov\u00e1n\u00ed nikterak slo\u017eit\u00e9 a v p\u0159\u00edpad\u011b pot\u0159eby nen\u00ed probl\u00e9m p\u0159iv\u00e9st si i budouc\u00edho spoludlu\u017en\u00edka, jen\u017e je svou spolu\u00fa\u010dast\u00ed schopen bonitu \u017eadatele zv\u00fd\u0161it. Podnikatel tu sice mus\u00ed rovn\u011b\u017e dolo\u017eit sv\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, ov\u0161em nen\u00ed takov\u00fdm probl\u00e9mem, je-li toto n\u00edzk\u00e9. Proto\u017ee je v tomto p\u0159\u00edpad\u011b nejd\u016fle\u017eit\u011bj\u0161\u00ed prok\u00e1zat, \u017ee ona firma funguje a \u017ee se nejedn\u00e1 jen o n\u011bco, co existuje jenom pap\u00edrov\u011b. A takov\u00fd podnikatel pak m\u016f\u017ee dolo\u017eit sv\u00e9 p\u0159\u00edjmy i jinak ne\u017e da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm, t\u0159eba fakturami nebo v p\u0159\u00edpad\u011b za\u010d\u00e1te\u010dn\u00edka podnikatelsk\u00fdm z\u00e1m\u011brem. A jak takov\u00e9 p\u0159\u00edjmy, respektive v\u00fddaje \u017eadatele dolo\u017eit? T\u0159eba pracovn\u00ed smlouvou \u017eadatele a spolu\u017eadatel\u016f, v\u00fdplatn\u00edmi p\u00e1skami \u010di v\u00fdpisy z \u00fa\u010dtu za posledn\u00ed t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f. U starobn\u00edch d\u016fchodc\u016f nebo rodi\u010d\u016f na mate\u0159sk\u00e9 nebo lid\u00ed na jin\u00fdch d\u00e1vk\u00e1ch krom\u011b hmotn\u00e9 nouze a podpory v nezam\u011bstnanosti rozhodnut\u00edm o p\u0159izn\u00e1n\u00ed d\u00e1vky \u010di o vym\u011b\u0159en\u00ed d\u016fchodu a v\u00fdpisy z \u00fa\u010dtu aspo\u0148 za posledn\u00ed t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f. U osob samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdch da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm za posledn\u00ed zda\u0148ovac\u00ed obdob\u00ed, n\u00e1jemn\u00ed smlouvou, v\u00fdpisy z \u00fa\u010dtu a fakturami. U \u017eadatel\u016f a spolu\u017eadatel\u016f s p\u0159\u00edjmy z pron\u00e1jm\u016f da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm, v\u00fdpisy z bankovn\u00edch \u00fa\u010dt\u016f \u010di p\u0159\u00edjmov\u00fdmi doklady. U \u017eadatel\u016f s jin\u00fdmi p\u0159\u00edjmy platn\u00fdmi doklady o takov\u00fdch p\u0159\u00edjmech. A v podobn\u00e9 pap\u00edrov\u00e9 podob\u011b je t\u0159eba dolo\u017eit i v\u00fddaje nezbytn\u00e9 pro posouzen\u00ed schopnosti \u00fav\u011br spl\u00e1cet. O hypot\u00e9ku bez p\u0159\u00edjmu si tak po\u017e\u00e1dat m\u016f\u017eete. Ale v\u011bzte, \u017ee bez p\u0159\u00edjm\u016f to p\u0159esto nep\u016fjde. Proto\u017ee bez p\u0159\u00edjm\u016f byste ty pen\u00edze nem\u011bli z \u010deho vr\u00e1tit. A ani nebankovn\u00ed sektor nen\u00ed Je\u017e\u00ed\u0161ek. 4.7\/5 - (6 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Aby v\u00e1m ta p\u016fj\u010dka vy\u0161la","item":"https:\/\/www.allka.cz\/aby-vam-ta-pujcka-vysla\/#breadcrumbitem"}]}]