[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.m40.cz\/pokud-je-to-jinak\/#Article","mainEntityOfPage":"https:\/\/www.m40.cz\/pokud-je-to-jinak\/","headline":"Pokud je to jinak?","name":"Pokud je to jinak?","description":"Pokud je to jinak, jste nap\u0159\u00edklad \u017eadatelem o jak\u00fdkoli \u00fav\u011br, v tu chv\u00edli va\u0161e bonita p\u0159est\u00e1v\u00e1 b\u00fdt soukromou z\u00e1le\u017eitost\u00ed. Bonita, co to vlastn\u011b je? Je to schopnost klienta spl\u00e1cet p\u016fj\u010denou \u010d\u00e1stku. Je nad slunce jasn\u00e9, \u017ee \u017e\u00e1dn\u00e1 instituce na sv\u011bt\u011b v\u00e1m nep\u016fj\u010d\u00ed pen\u00edze bez prov\u011b\u0159en\u00ed faktu, zda m\u00e1te, \u010di nem\u00e1te z \u010deho \u010derpat ka\u017edom\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. […]","datePublished":"2019-11-27","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.m40.cz\/author\/#Person","name":"","url":"https:\/\/www.m40.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a71ad3e3da672fdab00dac6e0f7e744f8cb217202b101d0ffab0cf07645e95c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"m40.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.m40.cz\/wp-content\/uploads\/img_a370190_w2137_t1582010628.jpg","url":"https:\/\/www.m40.cz\/wp-content\/uploads\/img_a370190_w2137_t1582010628.jpg","height":0,"width":0},"url":"https:\/\/www.m40.cz\/pokud-je-to-jinak\/","wordCount":399,"articleBody":"       Pokud je to jinak, jste nap\u0159\u00edklad \u017eadatelem o jak\u00fdkoli \u00fav\u011br, v tu chv\u00edli va\u0161e bonita p\u0159est\u00e1v\u00e1 b\u00fdt soukromou z\u00e1le\u017eitost\u00ed. Bonita, co to vlastn\u011b je? Je to schopnost klienta spl\u00e1cet p\u016fj\u010denou \u010d\u00e1stku. Je nad slunce jasn\u00e9, \u017ee \u017e\u00e1dn\u00e1 instituce na sv\u011bt\u011b v\u00e1m nep\u016fj\u010d\u00ed pen\u00edze bez prov\u011b\u0159en\u00ed faktu, zda m\u00e1te, \u010di nem\u00e1te z \u010deho \u010derpat ka\u017edom\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. To znamen\u00e1, \u017ee klient s minim\u00e1ln\u00edm p\u0159\u00edjmem nem\u016f\u017ee pohl\u00ed\u017eet po vysok\u00e9 hypot\u00e9ce a na druhou stranu klient v letech, nebo v d\u016fchodov\u00e9m v\u011bku na dlouhou dobu splatnosti. Nikdy nic nen\u00ed ide\u00e1ln\u00ed, nikdy nic nen\u00ed v rovnov\u00e1ze. Ide\u00e1ln\u00edm \u017eadatelem jsou partne\u0159i v produktivn\u00edm v\u011bku, s odrostl\u00fdmi ratolestmi, kter\u00e9 se u\u017e nemus\u00ed zapo\u010d\u00edt\u00e1vat do posuzov\u00e1n\u00ed o \u00fav\u011br, oba pracuj\u00edc\u00ed, alespo\u0148 s pr\u016fm\u011brnou m\u011bs\u00ed\u010dn\u00ed mzdou a ne velk\u00fdmi ka\u017edom\u011bs\u00ed\u010dn\u00edmi n\u00e1klady. Bohu\u017eel takov\u00fdch jedinc\u016f je minimum, nebo si nepot\u0159ebuj\u00ed p\u016fj\u010dovat. Ka\u017ed\u00e1 banka m\u00e1 na posuzov\u00e1n\u00ed rentability klient\u016f sv\u00e1 pravidla, ale v t\u011bch z\u00e1kladn\u00edch jsou v\u0161echny stejn\u00e9. Jestli\u017ee nem\u00e1te dolo\u017eiteln\u00fd p\u0159\u00edjem, jestli\u017ee jste s financemi na hranici \u017eivotn\u00edho minima, logick\u00fdm vy\u00fast\u011bn\u00fdm je fakt, \u017ee jen st\u011b\u017e\u00ed budete m\u00edt z \u010deho vyp\u016fj\u010den\u00fd obnos vracet. Jist\u00e9 \u0159e\u0161en\u00ed m\u016f\u017ee existovat u nebankovn\u00edch spole\u010dnost\u00ed. Ti na \u017eadatele nekladou tak vysok\u00e9 n\u00e1roky, \u010dasto jim posta\u010d\u00ed forma z\u00e1ruky ru\u010den\u00ed vlastn\u00ed, \u010di nemovitost\u00ed t\u0159et\u00ed osoby. Nevy\u017eaduj\u00ed ani doklad o p\u0159\u00edjmu, nevad\u00ed jim z\u00e1znamy v bankovn\u00edch registrech, nevad\u00ed jim ani exeku\u010dn\u00ed \u0159\u00edzen\u00ed. Nejedou podle \u017e\u00e1dn\u00fdch tabulek, ka\u017ed\u00fd probl\u00e9m \u0159e\u0161\u00ed s klientem individu\u00e1ln\u011b. Spl\u00e1tky bez probl\u00e9m\u016f rozlo\u017e\u00ed na del\u0161\u00ed dobu, n\u011bkdy a\u017e na 30, nebo dokonce 40 let, s klientem pracuj\u00ed intenzivn\u011b a v\u017edy najdou \u0159e\u0161en\u00ed. Je to rozumn\u00fd zp\u016fsob, jak z\u00edskat jinak finance, kdy\u017e v bance to z n\u011bjak\u00e9ho d\u016fvodu prost\u011b nejde. Tak\u017ee rozum do hrsti a kdy\u017e budete pot\u0159ebovat z\u00edskat \u00fav\u011br korektn\u011b, v\u017edy se obra\u0165te na solidn\u00ed a hlavn\u011b prov\u011b\u0159enou spole\u010dnost.                                                                                                                                                                                                                                                                                                                                                                                           3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pokud je to jinak?","item":"https:\/\/www.m40.cz\/pokud-je-to-jinak\/#breadcrumbitem"}]}]