[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bamat.cz\/muzeme-mit-i-uver-bez-zajisteni-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.bamat.cz\/muzeme-mit-i-uver-bez-zajisteni-nemovitosti\/","headline":"M\u016f\u017eeme m\u00edt i \u00fav\u011br bez zaji\u0161t\u011bn\u00ed nemovitost\u00ed?","name":"M\u016f\u017eeme m\u00edt i \u00fav\u011br bez zaji\u0161t\u011bn\u00ed nemovitost\u00ed?","description":"Je pravdou, \u017ee o p\u016fj\u010dky m\u00e1 z\u00e1jem \u010d\u00edm d\u00e1l v\u00edce lid\u00ed. Sv\u016fj pod\u00edl na tom m\u00e1 samoz\u0159ejm\u011b rostouc\u00ed inflace a tak\u00e9 nerovnom\u011brn\u00fd r\u016fst mezd a cen. Probl\u00e9mem je tak\u00e9 n\u00edzk\u00e1 finan\u010dn\u00ed gramotnost lid\u00ed p\u0159edev\u0161\u00edm s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm. Ti obvykle nedok\u00e1\u017e\u00ed, co se pen\u011bz t\u00fd\u010de, uva\u017eovat v dlouhodob\u00e9 perspektiv\u011b. Sou\u010dasn\u00e1 pandemie koronaviru, kdy se mnoha lidem […]","datePublished":"2021-10-17","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.bamat.cz\/author\/#Person","name":"","url":"https:\/\/www.bamat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bamat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bamat.cz\/wp-content\/uploads\/pujcka2_3.png","url":"https:\/\/www.bamat.cz\/wp-content\/uploads\/pujcka2_3.png","height":0,"width":0},"url":"https:\/\/www.bamat.cz\/muzeme-mit-i-uver-bez-zajisteni-nemovitosti\/","about":["Finance"],"wordCount":461,"articleBody":"   Je pravdou, \u017ee o p\u016fj\u010dky m\u00e1 z\u00e1jem \u010d\u00edm d\u00e1l v\u00edce lid\u00ed. Sv\u016fj pod\u00edl na tom m\u00e1 samoz\u0159ejm\u011b rostouc\u00ed inflace a tak\u00e9 nerovnom\u011brn\u00fd r\u016fst mezd a cen. Probl\u00e9mem je tak\u00e9 n\u00edzk\u00e1 finan\u010dn\u00ed gramotnost lid\u00ed p\u0159edev\u0161\u00edm s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm. Ti obvykle nedok\u00e1\u017e\u00ed, co se pen\u011bz t\u00fd\u010de, uva\u017eovat v dlouhodob\u00e9 perspektiv\u011b. Sou\u010dasn\u00e1 pandemie koronaviru, kdy se mnoha lidem sn\u00ed\u017eil p\u0159\u00edjem, celou v\u011bc jen urychlila.Toho samoz\u0159ejm\u011b vyu\u017eili poskytovatel\u00e9, kte\u0159\u00ed nab\u00edz\u00ed mnoho nejr\u016fzn\u011bj\u0161\u00edch typ\u016f p\u016fj\u010dek. Obvykle vak maj\u00ed jedno spole\u010dn\u00e9: je pot\u0159eba, aby dlu\u017en\u00edk dal n\u011bjakou z\u00e1ruku, \u017ee skute\u010dn\u011b bude spl\u00e1cet. V z\u00e1vislosti na v\u00fd\u0161i p\u016fj\u010den\u00e9 \u010d\u00e1stky se \u010dasto jedn\u00e1 o nemovitost.To je v\u0161ak d\u00edky sou\u010dasn\u00e9 bytov\u00e9 situaci \u010d\u00edm d\u00e1l v\u011bt\u0161\u00ed probl\u00e9m. \u010c\u00edm d\u00e1l v\u00edce lid\u00ed toti\u017e bydl\u00ed v n\u00e1jmu, nebo\u0165 ceny dom\u016f a byt\u016f dos\u00e1hly tak\u0159ka astronomick\u00fdch v\u00fd\u0161ek, a jen m\u00e1lokdo m\u00e1 na to, aby si mohl n\u011bjak\u00fd dovolit. Av\u0161ak pokud nem\u00e1me vlastn\u00ed nemovitost, nem\u016f\u017eeme s n\u00ed ani ru\u010dit.Proto se mnoho lid\u00ed zaj\u00edm\u00e1, zda existuje i \u00fav\u011br bez zaji\u0161t\u011bn\u00ed nemovitost\u00ed, tedy takov\u00fd, kde nemus\u00edme b\u00fdt majiteli domu \u010di bytu, abychom p\u016fj\u010dku dostali. Zde v\u0161ak odpov\u011b\u010f zn\u00ed ano, ale. Je toti\u017e jen pochopiteln\u00e9, \u017ee si poskytovatel pot\u0159ebuje n\u011bjak\u00fdm zp\u016fsobem pojistit, \u017ee sv\u00e9 pen\u00edze dostane zp\u011bt, jinak by se mu koneckonc\u016f tento byznys nevyplatil. Jak to ale ud\u011blat?Krom\u011b ru\u010den\u00ed nemovitost\u00ed, kter\u00e9 je zejm\u00e9na u vy\u0161\u0161\u00edch \u010d\u00e1stek obvykl\u00e9, existuj\u00ed i p\u016fj\u010dky, kde ru\u010dit sv\u00fdm majetkem, a\u0165 u\u017e movit\u00fdm \u010di nemovit\u00fdm, nemus\u00edte. Ov\u0161em, jak ji\u017e bylo nazna\u010deno, je zde h\u00e1\u010dek. M\u00e1me zde n\u011bkolik mo\u017enost\u00ed, a ka\u017ed\u00e1 m\u00e1 sv\u016fj probl\u00e9m.Nap\u0159\u00edklad m\u016f\u017eeme po\u017e\u00e1dat n\u011bkoho, kdo by n\u00e1m d\u011blal ru\u010ditele. Pr\u00e1v\u011b ten \u010dlov\u011bk pak bude zodpov\u00eddat za to, \u017ee budeme spl\u00e1cet tak, jak m\u00e1me. Ov\u0161em zdaleka ne v\u0161ichni maj\u00ed n\u011bkoho, na koho se mohou s prosbou o tuto slu\u017ebu obr\u00e1tit.D\u00e1le je to prok\u00e1z\u00e1n\u00ed p\u0159\u00edjmu, ov\u0161em zde je riziko, \u017ee pokud bude pokl\u00e1d\u00e1n za p\u0159\u00edli\u0161 n\u00edzk\u00fd, \u017e\u00e1dost o p\u016fj\u010dku n\u00e1m nebude schv\u00e1lena.Jak je tedy vid\u011bt, mo\u017enosti tu jsou. My si jen mus\u00edme vybrat tu, kter\u00e1 pro n\u00e1s bude nejvhodn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u016f\u017eeme m\u00edt i \u00fav\u011br bez zaji\u0161t\u011bn\u00ed nemovitost\u00ed?","item":"https:\/\/www.bamat.cz\/muzeme-mit-i-uver-bez-zajisteni-nemovitosti\/#breadcrumbitem"}]}]