[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.florex.cz\/zkrizila-vam-cestu-nizka-bonita\/#Article","mainEntityOfPage":"https:\/\/www.florex.cz\/zkrizila-vam-cestu-nizka-bonita\/","headline":"Zk\u0159\u00ed\u017eila v\u00e1m cestu n\u00edzk\u00e1 bonita?","name":"Zk\u0159\u00ed\u017eila v\u00e1m cestu n\u00edzk\u00e1 bonita?","description":"M\u00e1te pot\u00ed\u017ee s bonitou? Mo\u017en\u00e1 v\u00e1s pot\u011b\u0161\u00ed, \u017ee v tom zdaleka je\u0161t\u011b sami. I kdy\u017e to va\u0161e probl\u00e9my nevy\u0159e\u0161\u00ed, je dobr\u00e9 o tom v\u011bd\u011bt. Tyto pot\u00ed\u017ee nejsou ani tak zp\u016fsobeny t\u00edm, \u017ee by va\u0161e p\u0159\u00edjmy byly jakkoli atypick\u00e9 a nedostate\u010dn\u00e9, jako t\u00edm, \u017ee do\u0161lo k nav\u00fd\u0161en\u00ed po\u017eadavk\u016f \u010cesk\u00e1 n\u00e1rodn\u00ed banky na to, jakou bonitu mus\u00ed […]","datePublished":"2019-11-18","dateModified":"2019-11-18","author":{"@type":"Person","@id":"https:\/\/www.florex.cz\/author\/#Person","name":"","url":"https:\/\/www.florex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"florex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.florex.cz\/wp-content\/uploads\/img_a370198_w2535_t1582011604.jpg","url":"https:\/\/www.florex.cz\/wp-content\/uploads\/img_a370198_w2535_t1582011604.jpg","height":0,"width":0},"url":"https:\/\/www.florex.cz\/zkrizila-vam-cestu-nizka-bonita\/","about":["Ekonomika"],"wordCount":425,"articleBody":"       M\u00e1te pot\u00ed\u017ee s bonitou? Mo\u017en\u00e1 v\u00e1s pot\u011b\u0161\u00ed, \u017ee v tom zdaleka je\u0161t\u011b sami. I kdy\u017e to va\u0161e probl\u00e9my nevy\u0159e\u0161\u00ed, je dobr\u00e9 o tom v\u011bd\u011bt. Tyto pot\u00ed\u017ee nejsou ani tak zp\u016fsobeny t\u00edm, \u017ee by va\u0161e p\u0159\u00edjmy byly jakkoli atypick\u00e9 a nedostate\u010dn\u00e9, jako t\u00edm, \u017ee do\u0161lo k nav\u00fd\u0161en\u00ed po\u017eadavk\u016f \u010cesk\u00e1 n\u00e1rodn\u00ed banky na to, jakou bonitu mus\u00ed spl\u0148ovat lid\u00e9, kte\u0159\u00ed \u017e\u00e1daj\u00ed o \u00fav\u011br. Zkr\u00e1tka, podm\u00ednky \u00fav\u011br\u016f se b\u011bhem n\u011bkolika m\u00e1lo uplynul\u00fdch let zm\u011bnily k nepozn\u00e1n\u00ed. Tak\u017ee ti, kdo by p\u0159ed lety z\u00edskali p\u016fj\u010dku bez nejmen\u0161\u00edch pot\u00ed\u017e\u00ed, maj\u00ed v dne\u0161n\u00ed dob\u011b sm\u016flu. Dos\u00e1hnout na hypot\u00e9ku na bydlen\u00ed, anebo na jinou dlouhodobou a vysokou p\u016fj\u010dku m\u016f\u017ee b\u00fdt pro mnoho lid\u00ed skute\u010dn\u011b tvrd\u00fd o\u0159\u00ed\u0161ek. Pozitivn\u00ed je, \u017ee d\u00edky t\u011bmto p\u0159\u00edsn\u00fdm opat\u0159en\u00edm nezab\u0159ed\u00e1vaj\u00ed lid\u00e9 do rizikov\u00fdch dluh\u016f. Naopak pot\u00ed\u017e je v tom, \u017ee mnoz\u00ed nedos\u00e1hnou na pen\u00edze nezbytn\u00e9 na spln\u011bn\u00ed z\u00e1kladn\u00edch pot\u0159eb, mezi kter\u00e9 jednozna\u010dn\u011b pat\u0159\u00ed i bydlen\u00ed. Ba co v\u00edc, tato opat\u0159en\u00ed mohou n\u011bkter\u00e9 lidi zahnat do n\u00e1ru\u010de lichv\u00e1\u0159\u016f.  Jestli\u017ee pat\u0159\u00edte k t\u011bm, kter\u00e9 banka odm\u00edtla a vy si p\u0159esto pot\u0159ebujete p\u016fj\u010dit. Zkuste to v nebankovn\u00ed spole\u010dnosti. Pokud va\u0161e finan\u010dn\u00ed situace nen\u00ed beznad\u011bjn\u00e1 a bude z\u0159ejm\u00e9, \u017ee p\u016fj\u010dku dok\u00e1\u017eete spl\u00e1cet, pr\u00e1v\u011b zde ji m\u016f\u017eete z\u00edskat. T\u0159eba v podob\u011b nebankovn\u00ed hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Ani u tohoto druhu p\u016fj\u010dky pen\u00edze automaticky nez\u00edsk\u00e1te, nicm\u00e9n\u011b posuzov\u00e1n\u00ed va\u0161\u00ed bonity nebude tak p\u0159\u00edsn\u00e9, tak\u017ee m\u016f\u017ee mnoh\u00fdm pomoci. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b byste m\u011bli v\u011bd\u011bt to, \u017ee pro nebankovn\u00ed p\u016fj\u010dky je typick\u00e9 ru\u010den\u00ed nemovitost\u00ed. A\u0165 u\u017e si vyberete kteroukoli z nich, budete muset ru\u010dit sv\u00fdm majetkem. T\u0159eba domem, bytem, gar\u00e1\u017e\u00ed, je jedno, co si vyberete, rozhoduj\u00edc\u00ed je hodnota majetku. \u010c\u00edm je vy\u0161\u0161\u00ed, t\u00edm vy\u0161\u0161\u00ed \u010d\u00e1stku m\u016f\u017eete z\u00edskat. A pokud vy sami vhodnou z\u00e1ruku nem\u00e1te, tak je nejvy\u0161\u0161\u00ed \u010das za\u010d\u00edt hledat ochotn\u00e9ho spoluru\u010ditele. M\u016f\u017ee to b\u00fdt kdokoli, kdo se sv\u00fdm majetkem zaru\u010d\u00ed za v\u00e1s \u00fav\u011br.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zk\u0159\u00ed\u017eila v\u00e1m cestu n\u00edzk\u00e1 bonita?","item":"https:\/\/www.florex.cz\/zkrizila-vam-cestu-nizka-bonita\/#breadcrumbitem"}]}]