[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vumscomp.cz\/kdy-mate-sanci-ziskat-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.vumscomp.cz\/kdy-mate-sanci-ziskat-pujcku\/","headline":"kdy m\u00e1te \u0161anci z\u00edskat p\u016fj\u010dku?","name":"kdy m\u00e1te \u0161anci z\u00edskat p\u016fj\u010dku?","description":"https:\/\/www.podnikatel.cz\/clanky\/cesi-loni-utratili-v-obchodech-na-300-miliard-kc\/ 0cm 8pt“>P\u016fj\u010dky poskytuj\u00ed jak banky, tak nebankovn\u00ed spole\u010dnosti. Mohou b\u00fdt \u00fa\u010delov\u00e9 nebo ne\u00fa\u010delov\u00e9. U \u00fa\u010delov\u00fdch mus\u00edte prokazovat, na co jste pen\u00edze pou\u017eili. Klasick\u00fdm p\u0159\u00edkladem je t\u0159eba hypot\u00e9ka, kdy dokl\u00e1d\u00e1te d\u016fkazy o rekonstrukci, koupi domu nebo bytu. U ne\u00fa\u010delov\u00e9 je bance i nebankovn\u00edm spole\u010dnostem jedno, na co z\u00edskan\u00e9 pen\u00edze pou\u017eijete. Nemus\u00edte dod\u00e1vat \u017e\u00e1dn\u00fd doklad, za […]","datePublished":"2022-09-18","dateModified":"2022-09-18","author":{"@type":"Person","@id":"https:\/\/www.vumscomp.cz\/author\/#Person","name":"vumscomp.cz\n","url":"https:\/\/www.vumscomp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vumscomp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vumscomp.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386321.jpg","url":"https:\/\/www.vumscomp.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386321.jpg","height":0,"width":0},"url":"https:\/\/www.vumscomp.cz\/kdy-mate-sanci-ziskat-pujcku\/","about":["Finance"],"wordCount":417,"articleBody":"   https:\/\/www.podnikatel.cz\/clanky\/cesi-loni-utratili-v-obchodech-na-300-miliard-kc\/  0cm 8pt“>P\u016fj\u010dky poskytuj\u00ed jak banky, tak nebankovn\u00ed spole\u010dnosti. Mohou b\u00fdt \u00fa\u010delov\u00e9 nebo ne\u00fa\u010delov\u00e9. U \u00fa\u010delov\u00fdch mus\u00edte prokazovat, na co jste pen\u00edze pou\u017eili. Klasick\u00fdm p\u0159\u00edkladem je t\u0159eba hypot\u00e9ka, kdy dokl\u00e1d\u00e1te d\u016fkazy o rekonstrukci, koupi domu nebo bytu. U ne\u00fa\u010delov\u00e9 je bance i nebankovn\u00edm spole\u010dnostem jedno, na co z\u00edskan\u00e9 pen\u00edze pou\u017eijete. Nemus\u00edte dod\u00e1vat \u017e\u00e1dn\u00fd doklad, za co jste pen\u00edze utratili. Typick\u00fdm p\u0159\u00edkladem je americk\u00e1 hypot\u00e9ka, kter\u00e1 m\u00e1 \u010dasto velmi v\u00fdhodn\u00fd \u00farok. Jestli chcete v\u011bd\u011bt, kolik byste zhruba za svou hypot\u00e9ku platili, vyzkou\u0161ejte si kalkula\u010dku americk\u00e9 hypot\u00e9ky.Na co se tedy banka zam\u011b\u0159uje v p\u0159\u00edpad\u011b, \u017ee \u017e\u00e1d\u00e1te o p\u016fj\u010dku?Rozhodn\u011b ji budou zaj\u00edmat v\u00fd\u0161e va\u0161ich p\u0159\u00edjm\u016f. A to nejen t\u011bch, kter\u00e9 z\u00edsk\u00e1v\u00e1te v zam\u011bstn\u00e1n\u00ed, ale v\u0161ech, kter\u00e9 tvo\u0159\u00ed v\u00e1\u0161 dom\u00e1c\u00ed rozpo\u010det. Mimo mzdu a plat to m\u016f\u017eou b\u00fdt v\u00fdd\u011blky z podnik\u00e1n\u00ed, brig\u00e1d, investic nebo t\u0159eba n\u00e1jmy, pokud pronaj\u00edm\u00e1te n\u011bkomu nemovitosti. Toto je jeden z nejz\u00e1sadn\u011bj\u0161\u00edch bod\u016f, kter\u00e9 banka posuzuje p\u0159i \u017e\u00e1dostech o p\u016fj\u010dku. Dal\u0161\u00ed podm\u00ednkou je, velmi logicky, \u017ee mus\u00edte b\u00fdt star\u0161\u00ed 18 let. I kdy\u017e u n\u00e1s existuj\u00ed i studentsk\u00e9 p\u016fj\u010dky, i na tu mus\u00edte m\u00edt 18 let. Poskytuje ji t\u0159eba Komer\u010dn\u00ed banka.Rozhoduj\u00edc\u00ed jsou tak\u00e9 va\u0161e dal\u0161\u00ed z\u00e1vazky. Banka pe\u010dliv\u011b zkoum\u00e1, zda m\u00e1te finan\u010dn\u00ed z\u00e1vazky i jinde. A nemus\u00ed se jednat o spl\u00e1cen\u00ed klasick\u00e9 p\u016fj\u010dky, m\u016f\u017ee se jednat i t\u0159eba o to, \u017ee vlastn\u00edte kreditn\u00ed kartu nebo m\u00e1te na \u00fa\u010dtu nastaven\u00fd povolen\u00fd debet. Samoz\u0159ejmost\u00ed je, \u017ee si banka proj\u00ed\u017ed\u00ed insolven\u010dn\u00ed rejst\u0159\u00edk a registr dlu\u017en\u00edk\u016f. Pokud m\u00e1te insolvenci nebo exekuce, na jakoukoliv p\u016fj\u010dku m\u016f\u017eete rovnou zapomenout. Jestli jste t\u0159eba rok, dva po tom, co v\u00e1m exekuce nebo insolvence skon\u010dila, i tak m\u00e1te sm\u016flu. Z\u00e1znam v t\u011bchto rejst\u0159\u00edc\u00edch budete m\u00edt dal\u0161\u00edch p\u011bt let. Pot\u00e9 teprve bude banka uva\u017eovat o tom, \u017ee v\u00e1m poskytne n\u011bjakou formu financov\u00e1n, a to i tu nejmen\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"kdy m\u00e1te \u0161anci z\u00edskat p\u016fj\u010dku?","item":"https:\/\/www.vumscomp.cz\/kdy-mate-sanci-ziskat-pujcku\/#breadcrumbitem"}]}]