[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.setlik.cz\/mate-potize-s-bonitou\/#Article","mainEntityOfPage":"https:\/\/www.setlik.cz\/mate-potize-s-bonitou\/","headline":"M\u00e1te pot\u00ed\u017ee s bonitou?","name":"M\u00e1te pot\u00ed\u017ee s bonitou?","description":"Pot\u00ed\u017ee s bonitou se vyhnou m\u00e1lokter\u00e9mu \u017eadateli o http:\/\/www.playtvak.cz\/marocan-osahaval-cizi-zenu-a-tvrde-narazil-fjf-\/stupidni-zlocinci.aspx%3Fc%3DA151228_092936_sileni-zlocinci_kuko hypot\u00e9ku. Od doby, kdy \u010cesk\u00e1 n\u00e1rodn\u00ed banka vydala nov\u00e1 p\u0159\u00edsn\u00e1 pravidla pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f, nastaly \u017eadatel\u016fm o p\u016fj\u010dku kru\u0161n\u00e9 \u010dasy. Splnit p\u0159\u00edsn\u00e9 podm\u00ednky nen\u00ed zdaleka hra\u010dka, a tak na p\u016fj\u010dku nez\u0159\u00eddka nedos\u00e1hnou ani ti, kter\u00fdm by to d\u0159\u00edve ned\u011blalo sebemen\u0161\u00ed pot\u00ed\u017ee. Probl\u00e9m je v tom, jak\u00fdm […]","datePublished":"2019-09-08","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.setlik.cz\/author\/#Person","name":"setlik.cz\n","url":"https:\/\/www.setlik.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"setlik.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.setlik.cz\/wp-content\/uploads\/img_a363566_w2265_t1576163606.jpg","url":"https:\/\/www.setlik.cz\/wp-content\/uploads\/img_a363566_w2265_t1576163606.jpg","height":0,"width":0},"url":"https:\/\/www.setlik.cz\/mate-potize-s-bonitou\/","about":["Finance"],"wordCount":427,"articleBody":"        Pot\u00ed\u017ee s bonitou se vyhnou m\u00e1lokter\u00e9mu \u017eadateli o  http:\/\/www.playtvak.cz\/marocan-osahaval-cizi-zenu-a-tvrde-narazil-fjf-\/stupidni-zlocinci.aspx%3Fc%3DA151228_092936_sileni-zlocinci_kuko hypot\u00e9ku. Od doby, kdy \u010cesk\u00e1 n\u00e1rodn\u00ed banka vydala nov\u00e1 p\u0159\u00edsn\u00e1 pravidla pro poskytov\u00e1n\u00ed \u00fav\u011br\u016f, nastaly \u017eadatel\u016fm o p\u016fj\u010dku kru\u0161n\u00e9 \u010dasy. Splnit p\u0159\u00edsn\u00e9 podm\u00ednky nen\u00ed zdaleka hra\u010dka, a tak na p\u016fj\u010dku nez\u0159\u00eddka nedos\u00e1hnou ani ti, kter\u00fdm by to d\u0159\u00edve ned\u011blalo sebemen\u0161\u00ed pot\u00ed\u017ee.  Probl\u00e9m je v tom, jak\u00fdm zp\u016fsobem toto krit\u00e9rium banky posuzuj\u00ed. Bonita je jak\u00fdsi souhrn faktor\u016f, kter\u00fd vypov\u00edd\u00e1 o tom, zda sv\u016fj finan\u010dn\u00ed z\u00e1vazek budete v budoucnosti schopni spl\u00e1cet, \u010di nikoli. Logicky se tak posuzuje p\u0159\u00edjem \u017eadatele, ale nejen ten \u2013 tak\u00e9 jeho v\u00fddaje, st\u00e1vaj\u00edc\u00ed anebo p\u0159edpokl\u00e1dan\u00e9 z\u00e1vazky. Tak\u017ee jestli\u017ee jste pr\u00e1v\u011b nastoupili do sv\u00e9ho prvn\u00edho zam\u011bstn\u00e1n\u00ed, m\u00e1te mladou rodinu a \u017eenu na mate\u0159sk\u00e9 dovolen\u00e9, pak rozhodn\u011b ne\u010dekejte z\u00e1zraky. Nav\u00edc, kdybyste i tak m\u011bli p\u0159\u00edjmy pom\u011brn\u011b vysok\u00e9, ale z podnik\u00e1n\u00ed, tak v\u00e1m je banka zkr\u00e1t\u00ed, a naopak va\u0161e v\u00fddaje nafoukne, minim\u00e1ln\u011b na \u010dty\u0159icet procent va\u0161ich p\u0159\u00edjm\u016f. Jak je tedy vid\u011bt, nen\u00ed divu, \u017ee v t\u00e9to sout\u011b\u017ei t\u00e9m\u011b\u0159 nikdo neusp\u011bje. A tak\u00e9 je vid\u011bt to, jak velkou roli zde hraje ten, kdo bonitu posuzuje. V praxi je toti\u017e bonitu \u017eadatele nezbytn\u011b nutn\u00e9 posoudit, nicm\u00e9n\u011b nikde nen\u00ed \u0159e\u010deno, \u017ee je nezbytn\u00e9 p\u0159\u00edjmy sni\u017eovat a v\u00fddaje zvy\u0161ovat. Proto se m\u016f\u017ee snadno st\u00e1t, \u017ee kdy\u017e va\u0161i finan\u010dn\u00ed situaci bude hodnotit n\u011bkdo jin\u00fd, tak m\u00e1te nad\u011bji na \u00fasp\u011bch. Proto se vyplat\u00ed, kdy\u017e se v p\u0159\u00edpad\u011b pot\u00ed\u017e\u00ed s bonitou obr\u00e1t\u00edte na nebankovn\u00ed spole\u010dnost, kde po\u017e\u00e1d\u00e1te o hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu. Pr\u00e1v\u011b ta je va\u0161\u00ed cestou k \u00fasp\u011bchu, a\u0165 u\u017e m\u00e1te s pen\u011bzi libovoln\u00e9 pl\u00e1ny! Ov\u0161em je\u0161t\u011b p\u0159ed t\u00edm, ne\u017e je z\u00edsk\u00e1te, budete muset splnit jednu naprosto nezbytnou podm\u00ednku \u2013 ru\u010den\u00ed nemovitost\u00ed. Pro v\u0161echny nebankovn\u00ed hypot\u00e9ky plat\u00ed to sam\u00e9, co v p\u0159\u00edpad\u011b \u017e\u00e1dosti o americkou p\u016fj\u010dku \u2013 jedinou vhodnou a mo\u017enou z\u00e1rukou za \u00fav\u011br je nemovit\u00fd majetek. Na druhou stranu nemus\u00ed b\u00fdt nutn\u011b v\u00e1\u0161, ale klidn\u011b i n\u011bkoho dal\u0161\u00edho.                                                                                                                                                                                                                                                                                                                                                                                           3.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1te pot\u00ed\u017ee s bonitou?","item":"https:\/\/www.setlik.cz\/mate-potize-s-bonitou\/#breadcrumbitem"}]}]