[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.raiser.cz\/jak-vyzrat-na-nizke-prijmy\/#Article","mainEntityOfPage":"https:\/\/www.raiser.cz\/jak-vyzrat-na-nizke-prijmy\/","headline":"Jak vyzr\u00e1t na n\u00edzk\u00e9 p\u0159\u00edjmy?","name":"Jak vyzr\u00e1t na n\u00edzk\u00e9 p\u0159\u00edjmy?","description":"N\u00edzk\u00e9 p\u0159\u00edjmy mohou b\u00fdt pot\u00ed\u017e. Kdy\u017e m\u00e1te m\u00e1lo pen\u011bz, tak v\u00e1m sta\u010d\u00ed leda tak na pokryt\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb, ale nic v\u00edc u\u017e s...","datePublished":"2020-05-17","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.raiser.cz\/author\/#Person","name":"","url":"https:\/\/www.raiser.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"raiser.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.raiser.cz\/wp-content\/uploads\/mince%20na%20dlazbe.jpg","url":"https:\/\/www.raiser.cz\/wp-content\/uploads\/mince%20na%20dlazbe.jpg","height":0,"width":0},"url":"https:\/\/www.raiser.cz\/jak-vyzrat-na-nizke-prijmy\/","about":["Finance"],"wordCount":434,"articleBody":"       N\u00edzk\u00e9 p\u0159\u00edjmy mohou b\u00fdt pot\u00ed\u017e. Kdy\u017e m\u00e1te m\u00e1lo pen\u011bz, tak v\u00e1m sta\u010d\u00ed leda tak na pokryt\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb, ale nic v\u00edc u\u017e s nimi nesvedete, a na finan\u010dn\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed pot\u0159eby budete muset \u0161et\u0159it p\u0159\u00edli\u0161 dlouho. Tak\u017ee by v\u00e1m p\u0159irozen\u011b p\u0159i\u0161la vhod p\u016fj\u010dka. Jen\u017ee ani s tou to nen\u00ed tak jednoduch\u00e9 \u2013 kdy\u017e m\u00e1te n\u00edzk\u00e9 p\u0159\u00edjmy, tak m\u00e1te zpravidla i n\u00edzkou bonitu, a to v praxi znamen\u00e1 jedin\u00e9 \u2013 p\u016fj\u010dku v\u00e1m nikdo ned\u00e1.Tak\u017ee to vypad\u00e1, jako by se \u010dlov\u011bk neust\u00e1le motal v za\u010darovan\u00e9m kruhu. Jedinou nad\u011bj\u00ed na rozumn\u00e9 \u0159e\u0161en\u00ed je v takov\u00e9m p\u0159\u00edpad\u011b hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f od Hypoteka-bez-registru. Takov\u00e1, kterou si m\u016f\u017eete sjednat u nebankovn\u00ed spole\u010dnosti.Jak je to s n\u00ed doopravdy?Pakli\u017ee v takov\u00e9m p\u0159\u00edpad\u011b o\u010dek\u00e1v\u00e1te, \u017ee kdy\u017e o ni po\u017e\u00e1d\u00e1te, tak z\u00edsk\u00e1te automaticky do ruky pen\u00edze, t\u0159eba i za cenu vy\u0161\u0161\u00edho \u00faroku, budete zklaman\u00ed, tak to nen\u00ed. I v tomto p\u0159\u00edpad\u011b se bude poskytovatel zaj\u00edmat o to, jak\u00e1 je va\u0161e finan\u010dn\u00ed situace, a jak\u00e9 jsou va\u0161e v\u00fdhledy do budoucna. Tak\u017ee prov\u011b\u0159en\u00ed bonity se rozhodn\u011b nevyhnete \u2013 ani to nen\u00ed mo\u017en\u00e9, tato povinnost zjistit si, jak na tom finan\u010dn\u011b jste, je dan\u00e1 z\u00e1konem.Na druhou stranu, kdy\u017e jsou podm\u00ednky m\u00edrn\u011bj\u0161\u00ed (co\u017e je vykoupeno vy\u0161\u0161\u00edm \u00farokem), nemus\u00edte se ob\u00e1vat, takovou p\u016fj\u010dku byste nez\u00edskali jen v p\u0159\u00edpad\u011b, \u017ee bude evidentn\u00ed, \u017ee ji nedok\u00e1\u017eete spl\u00e1cet. Ale pokud m\u00e1te pouze ni\u017e\u0161\u00ed p\u0159\u00edjem, se kter\u00fdm pohodln\u011b vyjdete jak nyn\u00ed, tak i v budoucnosti, pak zde nen\u00ed ani ten nejmen\u0161\u00ed d\u016fvod, pro\u010d byste p\u016fj\u010dku nem\u011bli z\u00edskat.Jak bude p\u016fj\u010dka vysok\u00e1?Na v\u00fd\u0161i \u00fav\u011bru m\u00e1te vliv vy sami. Jen na v\u00e1s z\u00e1le\u017e\u00ed, jak hodnotnou nemovitost\u00ed se za n\u011bj zaru\u010d\u00edte. \u010c\u00edm vy\u0161\u0161\u00ed bude m\u00edt hodnotu, t\u00edm v\u00edce pen\u011bz m\u016f\u017eete skrze \u00fav\u011br \u010derpat. Tak\u017ee podle toho, jak sm\u011bl\u00e9 m\u00e1te pl\u00e1ny, si m\u016f\u017eete vybrat, \u010d\u00edm budete ru\u010dit. A pokud n\u00e1hodou nem\u00e1te z \u010deho vyb\u00edrat, po\u017e\u00e1dejte n\u011bkoho ochotn\u00e9ho ve sv\u00e9m okol\u00ed \u2013 i ru\u010den\u00ed p\u0159es spoluru\u010ditele je mo\u017en\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak vyzr\u00e1t na n\u00edzk\u00e9 p\u0159\u00edjmy?","item":"https:\/\/www.raiser.cz\/jak-vyzrat-na-nizke-prijmy\/#breadcrumbitem"}]}]