[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fidlatka.cz\/o-uver-muzete-zazadat-i-bez-danoveho-priznani\/#Article","mainEntityOfPage":"https:\/\/www.fidlatka.cz\/o-uver-muzete-zazadat-i-bez-danoveho-priznani\/","headline":"O \u00fav\u011br m\u016f\u017eete za\u017e\u00e1dat i bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed","name":"O \u00fav\u011br m\u016f\u017eete za\u017e\u00e1dat i bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed","description":"A\u010dkoliv by se oblast financ\u00ed mohla zd\u00e1t takovou, ve kter\u00e9 neexistuj\u00ed \u017e\u00e1dn\u00e9 m\u00fdty a p\u0159edsudky, opak je pravdou. I.","datePublished":"2019-05-04","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.fidlatka.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.fidlatka.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fidlatka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fidlatka.cz\/wp-content\/uploads\/img_a351196_w1916_t1565867025.jpg","url":"https:\/\/www.fidlatka.cz\/wp-content\/uploads\/img_a351196_w1916_t1565867025.jpg","height":0,"width":0},"url":"https:\/\/www.fidlatka.cz\/o-uver-muzete-zazadat-i-bez-danoveho-priznani\/","about":["Internet"],"wordCount":388,"articleBody":"       A\u010dkoliv by se oblast financ\u00ed mohla zd\u00e1t takovou, ve kter\u00e9 neexistuj\u00ed \u017e\u00e1dn\u00e9 m\u00fdty a p\u0159edsudky, opak je pravdou. I tak st\u0159\u00edzliv\u00e1 oblast, jakou je finan\u010dnictv\u00ed m\u016f\u017ee m\u00edt nap\u0159\u00edklad zav\u00e1d\u011bj\u00edc\u00ed term\u00edny. Jedn\u00edm takov\u00fdm je i hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Pokud bychom to vzali logicky, pak je to tak trochu nesmysln\u00e9. Kdo by bezhlav\u011b p\u016fj\u010dil n\u011bkomu, u koho nem\u00e1 jistou, \u017ee mu bude schopen pen\u00edze vr\u00e1tit? P\u0159esto st\u00e1le mnoho \u017eadatel\u016f hled\u00e1 tento finan\u010dn\u00ed produkt. Stejn\u011b jako stoprocentn\u00ed hypot\u00e9ku.  Ani jeden z nich jednodu\u0161e neexistuje. Stoprocentn\u00ed hypot\u00e9ka byla zru\u0161ena u\u017e p\u0159ed \u010dasem a hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f prakticky nikdy ani neexistovala. Alespo\u0148 ne v takov\u00e9 podob\u011b, jak napov\u00edd\u00e1 jej\u00ed n\u00e1zev. Jednodu\u0161e \u0159e\u010deno \u2013 v sou\u010dasnosti je ka\u017ed\u00fd poskytovatel povinen zjistit si, jestli je jeho klient schopn\u00fd sv\u016fj z\u00e1vazek spl\u00e1cet. Pro\u010d tedy tak zav\u00e1d\u011bj\u00edc\u00ed pojmenov\u00e1n\u00ed? I na to je jednoduch\u00e1 odpov\u011b\u010f. M\u00e1 t\u00edm b\u00fdt \u017eadateli sd\u011bleno, \u017ee dolo\u017een\u00ed p\u0159\u00edjm\u016f nebude slo\u017eitou z\u00e1le\u017eitost\u00ed a tak\u00e9 to, \u017ee n\u00edzk\u00e9 p\u0159\u00edjmy (nebo n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed) nemus\u00ed b\u00fdt p\u0159ek\u00e1\u017ekou v z\u00edsk\u00e1n\u00ed hypot\u00e9ky. V tom tkv\u00ed hlavn\u00ed rozd\u00edl mezi bankou a nebankovn\u00edm poskytovatelem. Hypot\u00e9ka bez p\u0159\u00edjmu Fahd m\u00e1 zkr\u00e1tka jin\u00e1 pravidla. Finan\u010dn\u00ed pomoc z\u00edsk\u00e1 i za\u010d\u00ednaj\u00edc\u00ed podnikatel  Banka sv\u00e9 prost\u0159edky nep\u016fj\u010d\u00ed tomu, kdo nedolo\u017e\u00ed dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy. U nebankovn\u00edho poskytovatele m\u016f\u017eete tento krok tak trochu obej\u00edt. Jestli\u017ee nap\u0159\u00edklad nejsou va\u0161e p\u0159\u00edjmy takzvan\u011b transparentn\u00ed, m\u016f\u017eete \u201ep\u0159iv\u00e9st\u201c spolu\u017eadatele, kter\u00fd p\u0159\u00edjmy dolo\u017e\u00ed za v\u00e1s. Stejn\u011b jednoduch\u00e9 je to v p\u0159\u00edpad\u011b da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed u podnikatel\u016f. V p\u0159\u00edpad\u011b, \u017ee je da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00e9 anebo dokonce je\u0161t\u011b ani neexistuje (za\u010d\u00ednaj\u00edc\u00ed podnikatel), pak docela posta\u010d\u00ed, pokud podnikatel vysv\u011btl\u00ed sv\u016fj podnikatelsk\u00fd z\u00e1m\u011br. P\u0159i n\u00edzk\u00e9m da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed je tak\u00e9 mo\u017enost\u00ed dolo\u017een\u00ed vydan\u00fdch faktur.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"O \u00fav\u011br m\u016f\u017eete za\u017e\u00e1dat i bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed","item":"https:\/\/www.fidlatka.cz\/o-uver-muzete-zazadat-i-bez-danoveho-priznani\/#breadcrumbitem"}]}]