[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.biozen.cz\/nizka-bonita-nemusi-znamenat-nizke-prijmy-ani-vysoke-vydaje-ale-spatne-vypocty\/#Article","mainEntityOfPage":"https:\/\/www.biozen.cz\/nizka-bonita-nemusi-znamenat-nizke-prijmy-ani-vysoke-vydaje-ale-spatne-vypocty\/","headline":"N\u00edzk\u00e1 bonita nemus\u00ed znamenat n\u00edzk\u00e9 p\u0159\u00edjmy ani vysok\u00e9 v\u00fddaje, ale \u0161patn\u00e9 v\u00fdpo\u010dty","name":"N\u00edzk\u00e1 bonita nemus\u00ed znamenat n\u00edzk\u00e9 p\u0159\u00edjmy ani vysok\u00e9 v\u00fddaje, ale \u0161patn\u00e9 v\u00fdpo\u010dty","description":"Dolo\u017een\u00ed p\u0159\u00edjm\u016f m\u016f\u017ee b\u00fdt pom\u011brn\u011b rizikov\u00fdm krokem, na jeho\u017e z\u00e1klad\u011b poskytovatel p\u016fj\u010dek pochop\u00ed, \u017ee va\u0161e finan\u010dn\u00ed situace nen\u00ed zdaleka r\u016f\u017eov\u00e1, a svou podporu si m\u016f\u017ee i rozmyslet. N\u011bco takov\u00e9ho v\u00e1m

P\u0159e\u010d\u00edst <\/use> <\/svg>N\u00edzk\u00e1 bonita nemus\u00ed znamenat n\u00edzk\u00e9 p\u0159\u00edjmy ani vysok\u00e9 v\u00fddaje, ale \u0161patn\u00e9 v\u00fdpo\u010dty<\/span><\/a><\/p>","datePublished":"2019-09-10","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.biozen.cz\/author\/#Person","name":"","url":"https:\/\/www.biozen.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"biozen.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.biozen.cz\/wp-content\/uploads\/img_a350516_w2600_t1565276382.jpg","url":"https:\/\/www.biozen.cz\/wp-content\/uploads\/img_a350516_w2600_t1565276382.jpg","height":0,"width":0},"url":"https:\/\/www.biozen.cz\/nizka-bonita-nemusi-znamenat-nizke-prijmy-ani-vysoke-vydaje-ale-spatne-vypocty\/","about":["Pen\u00edze"],"wordCount":441,"articleBody":" Dolo\u017een\u00ed p\u0159\u00edjm\u016f m\u016f\u017ee b\u00fdt pom\u011brn\u011b rizikov\u00fdm krokem, na jeho\u017e z\u00e1klad\u011b poskytovatel p\u016fj\u010dek pochop\u00ed, \u017ee va\u0161e finan\u010dn\u00ed situace nen\u00ed zdaleka r\u016f\u017eov\u00e1, a svou podporu si m\u016f\u017ee i rozmyslet. N\u011bco takov\u00e9ho v\u00e1m s velkou pravd\u011bpodobnost\u00ed hroz\u00ed, kdy\u017e se vyprav\u00edte \u017e\u00e1dat o p\u016fj\u010dku do banky, a z\u00e1rove\u0148 v\u00edte, \u017ee m\u00e1te pr\u016fm\u011brn\u00e9 anebo sp\u00ed\u0161e ni\u017e\u0161\u00ed p\u0159\u00edjmy. Ov\u0161em pozor, va\u0161e p\u0159\u00edjmy mohou b\u00fdt naprosto v po\u0159\u00e1dku, ov\u0161em va\u0161e partnerka je nap\u0159\u00edklad pr\u00e1v\u011b na rodi\u010dovsk\u00e9 dovolen\u00e9 anebo m\u00e1te kupu d\u011bt\u00ed. Jen tak m\u00e1lo sta\u010d\u00ed, aby v\u00e1s bankovn\u00ed d\u016fm nep\u0159\u00edjemn\u011b penalizoval n\u00edzkou bonitou. A kdo m\u00e1 n\u00edzkou bonitu, ten m\u016f\u017ee na bankovn\u00ed \u00fav\u011br zapomenout, a spolu s n\u00edm i na sv\u00e9 velk\u00e9 sny. Anebo je to jinak? Pokud pat\u0159\u00edte k t\u011bm, kte\u0159\u00ed nemaj\u00ed zbyte\u010dn\u00e9 obavy z nebankovn\u00edch p\u016fj\u010dek, m\u016f\u017eete si na sv\u00e9 pl\u00e1ny p\u016fj\u010dit i jinde. A v\u011b\u0159te tomu, \u017ee pot\u00e9, co \u0159ady poskytovatel\u016f p\u016fj\u010dek na podzim lo\u0148sk\u00e9ho roku v\u00fdrazn\u011b pro\u0159\u00eddly, tak se v\u011bru nem\u00e1te \u010deho ob\u00e1vat. Nad v\u0161emi nebankovn\u00edmi spole\u010dnostmi, kter\u00e9 z\u00edskaly na poskytov\u00e1n\u00ed p\u016fj\u010dek spot\u0159ebitel\u016fm licenci, bd\u00ed p\u0159\u00edsn\u00e1 \u010desk\u00e1 n\u00e1rodn\u00ed banka. A takov\u00e1 garance by v\u00e1m m\u011bla sta\u010dit k tomu, abyste se p\u0159estali b\u00e1t a vyzkou\u0161eli vst\u0159\u00edcnou nebankovn\u00ed p\u016fj\u010dku. Nap\u0159\u00edklad nebankovn\u00ed americkou hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f americka-nebankovni-hypoteka.cz. V\u00fdhodou americk\u00e9 hypot\u00e9ky je to, \u017ee ji m\u016f\u017eete vyu\u017e\u00edt na cokoli. Zapome\u0148te proto na ve\u0161ker\u00e1 omezen\u00ed a vyu\u017eijte pen\u00edze p\u0159esn\u011b podle va\u0161ich pot\u0159eb, a\u0165 u\u017e pom\u00fd\u0161l\u00edte na cokoli. A kdy\u017e si tuto p\u016fj\u010dku sjedn\u00e1te ve variant\u011b bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, tak t\u00edm v\u00fdrazn\u011b zv\u00fd\u0161\u00edte pravd\u011bpodobnost, \u017ee usp\u011bjete. Va\u0161e p\u0159\u00edjmy sice neutaj\u00edte a neujdou d\u016fkladn\u00e9mu rozboru va\u0161ich mo\u017enost\u00ed sjednan\u00fd \u00fav\u011br spl\u00e1cet, av\u0161ak po\u010d\u00edtat m\u016f\u017eete s vy\u0161\u0161\u00ed toleranc\u00ed a v\u011b\u0159itel ud\u011bl\u00e1 v\u0161echno mo\u017en\u00e9 proto, aby v\u00e1m takovou situaci usnadnil. T\u0159eba t\u00edm, \u017ee v\u00e1m navrhne dobu splatnosti a\u017e o d\u00e9lce t\u0159iceti let, co\u017e znamen\u00e1, \u017ee se v\u00e1\u0161 dluh rozlo\u017e\u00ed na dlouh\u00e9 obdob\u00ed a na mnoho spl\u00e1tek, kter\u00e9 budou n\u00edzk\u00e9. 4\/5 - (9 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00edzk\u00e1 bonita nemus\u00ed znamenat n\u00edzk\u00e9 p\u0159\u00edjmy ani vysok\u00e9 v\u00fddaje, ale \u0161patn\u00e9 v\u00fdpo\u010dty","item":"https:\/\/www.biozen.cz\/nizka-bonita-nemusi-znamenat-nizke-prijmy-ani-vysoke-vydaje-ale-spatne-vypocty\/#breadcrumbitem"}]}]