[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kospo.cz\/vzdy-je-nejaka-cesta\/#Article","mainEntityOfPage":"https:\/\/www.kospo.cz\/vzdy-je-nejaka-cesta\/","headline":"V\u017edy je n\u011bjak\u00e1 cesta","name":"V\u017edy je n\u011bjak\u00e1 cesta","description":"Pro klienty, kte\u0159\u00ed neusp\u011bli se svou \u017e\u00e1dost\u00ed o finan\u010dn\u00ed pomoc u banky, u\u017e na\u0161t\u011bst\u00ed v \u010cesk\u00e9 republice existuj\u00ed i nebankovn\u00ed poskytovatel\u00e9, na kter\u00e9 se mohou obr\u00e1tit. Tady je velkou v\u00fdhodou i rychl\u00e9 jedn\u00e1n\u00ed. Pr\u00e1v\u011b proto, \u017ee nebankovn\u00ed poskytovatel\u00e9 nezji\u0161\u0165uj\u00ed ve\u0161ker\u00e9...","datePublished":"2018-05-17","dateModified":"2018-05-17","author":{"@type":"Person","@id":"https:\/\/www.kospo.cz\/author\/#Person","name":"","url":"https:\/\/www.kospo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kospo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kospo.cz\/wp-content\/uploads\/img_a317649_w2229_t1528394984.png","url":"https:\/\/www.kospo.cz\/wp-content\/uploads\/img_a317649_w2229_t1528394984.png","height":0,"width":0},"url":"https:\/\/www.kospo.cz\/vzdy-je-nejaka-cesta\/","wordCount":372,"articleBody":"       Pro klienty, kte\u0159\u00ed neusp\u011bli se svou \u017e\u00e1dost\u00ed o finan\u010dn\u00ed pomoc u banky, u\u017e na\u0161t\u011bst\u00ed v \u010cesk\u00e9 republice existuj\u00ed i nebankovn\u00ed poskytovatel\u00e9, na kter\u00e9 se mohou obr\u00e1tit. Tady je velkou v\u00fdhodou i rychl\u00e9 jedn\u00e1n\u00ed. Pr\u00e1v\u011b proto, \u017ee nebankovn\u00ed poskytovatel\u00e9 nezji\u0161\u0165uj\u00ed ve\u0161ker\u00e9 podrobnosti z va\u0161eho \u017eivota, nedoch\u00e1z\u00ed ke zbyte\u010dn\u00e9mu zdr\u017eov\u00e1n\u00ed. Nav\u00edc se jedn\u00e1 o hypot\u00e9ku bez\u00fa\u010delnou, tud\u00ed\u017e odpad\u00e1 dal\u0161\u00ed vysv\u011btlov\u00e1n\u00ed, na\u010d vlastn\u011b ty finance pot\u0159ebujete. N\u011bkdy si klienti myln\u011b vysv\u011btluj\u00ed pojem \u201ehypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f\u201c. Poskytovatel pochopiteln\u011b mus\u00ed v\u011bd\u011bt, jak na tom po finan\u010dn\u00ed str\u00e1nce jste. Je tedy jeho povinnost\u00ed zjistit va\u0161e p\u0159\u00edjmy i v\u00fddaje, aby mohl posoudit, jestli nebude pro v\u00e1\u0161 rozpo\u010det dal\u0161\u00ed \u00fav\u011br p\u0159\u00edli\u0161. Smyslem tohoto nebankovn\u00edho produktu nen\u00ed klienta dov\u00e9st do dluhov\u00e9 pasti, ale skute\u010dn\u011b mu pomoci. Podm\u00ednky jsou velice p\u0159ijateln\u00e9 Sou\u010dasn\u00e9 nebankovn\u00ed hypot\u00e9ky vych\u00e1zej\u00ed vst\u0159\u00edc klient\u016fm, kte\u0159\u00ed maj\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f nebo n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed. Neplat\u00ed se \u017e\u00e1dn\u00e9 poplatky p\u0159edem a doba splatnosti m\u016f\u017ee b\u00fdt nastavena a\u017e na dobu t\u0159iceti let. Pokud se klient dostane do finan\u010dn\u00edch probl\u00e9m\u016f po dobu spl\u00e1cen\u00ed, pak nen\u00ed probl\u00e9m dohodnout se na odlo\u017een\u00ed spl\u00e1tky. Je jen zapot\u0159eb\u00ed vybrat si mezi velkou spoustou nebankovn\u00edch poskytovatel\u016f tu spr\u00e1vnou, kter\u00e1 bude vych\u00e1zet vst\u0159\u00edc va\u0161im po\u017eadavk\u016fm a p\u0159edstav\u00e1m.  Pro klienty, kte\u0159\u00ed maj\u00ed z\u00e1znam v n\u011bkter\u00e9m registru dlu\u017en\u00edk\u016f, je v\u011bt\u0161inou ur\u010dena \u00farokov\u00e1 sazba od sedmi procent. Jestli\u017ee je v\u00e1\u0161 z\u00e1znam bezv\u00fdznamn\u00e9ho charakteru nebo nem\u00e1te dokonce \u017e\u00e1dn\u00fd, pak m\u016f\u017eete dos\u00e1hnout na hypot\u00e9ku s \u00farokovou sazbou od \u010dty\u0159 procent. Je tak\u00e9 mo\u017en\u00e9 tuto podm\u00ednku tak trochu obej\u00edt t\u00edm, \u017ee si p\u0159iberete spolu\u017eadatele, kter\u00fd bude m\u00edt rejst\u0159\u00edky \u010dist\u00e9. Klienti, kte\u0159\u00ed se nemohou rozhodnout, jestli je pr\u00e1v\u011b tento produkt pro n\u011b t\u00edm prav\u00fdm, m\u016f\u017ee poskytovatel vypracovat nez\u00e1vaznou nab\u00eddku.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u017edy je n\u011bjak\u00e1 cesta","item":"https:\/\/www.kospo.cz\/vzdy-je-nejaka-cesta\/#breadcrumbitem"}]}]