[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.veflex.cz\/proc-si-nepujcit\/#Article","mainEntityOfPage":"https:\/\/www.veflex.cz\/proc-si-nepujcit\/","headline":"Pro\u010d si nep\u016fj\u010dit?","name":"Pro\u010d si nep\u016fj\u010dit?","description":"M\u00e1te n\u011bjak\u00e9 podobn\u00e9 luxusn\u00ed venkovsk\u00e9 s\u00eddlo? Anebo sice m\u00e1te nemovitost tak\u00e9, ale daleko skromn\u011bj\u0161\u00ed a v daleko hor\u0161\u00edm stavu, a zoufale se v\u00e1m nedost\u00e1v\u00e1 pen\u011bz na to, abyste provedli alespo\u0148 nejnezbytn\u011bj\u0161\u00ed rekonstrukci p\u0159ed zimou a do jara v\u00e1m to nespadlo cel\u00e9 na hlavu? 
 
 A\u0165 jste t\u00edm \u010di on\u00edm, nemus\u00edte si v\u016fbec zoufat. Pokud […]","datePublished":"2019-02-03","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.veflex.cz\/author\/#Person","name":"","url":"https:\/\/www.veflex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"veflex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.veflex.cz\/wp-content\/uploads\/img_a335844_w1690_t1549123018.jpg","url":"https:\/\/www.veflex.cz\/wp-content\/uploads\/img_a335844_w1690_t1549123018.jpg","height":0,"width":0},"url":"https:\/\/www.veflex.cz\/proc-si-nepujcit\/","about":["Pen\u00edze"],"wordCount":468,"articleBody":"M\u00e1te n\u011bjak\u00e9 podobn\u00e9 luxusn\u00ed venkovsk\u00e9 s\u00eddlo? Anebo sice m\u00e1te nemovitost tak\u00e9, ale daleko skromn\u011bj\u0161\u00ed a v daleko hor\u0161\u00edm stavu, a zoufale se v\u00e1m nedost\u00e1v\u00e1 pen\u011bz na to, abyste provedli alespo\u0148 nejnezbytn\u011bj\u0161\u00ed rekonstrukci p\u0159ed zimou a do jara v\u00e1m to nespadlo cel\u00e9 na hlavu?
 
 A\u0165 jste t\u00edm \u010di on\u00edm, nemus\u00edte si v\u016fbec zoufat. Pokud m\u00e1te n\u011bjakou tu svoji nemovitost, nebo v nejhor\u0161\u00edm p\u0159\u00edpad\u011b n\u011bkoho s nemovitost\u00ed, kdo by ji pro v\u00e1s byl ochoten \u201evsadit do hry\u201c, m\u016f\u017eete si p\u0159ece kdykoliv za\u017e\u00e1dat o .
 
 Nebo o nebankovn\u00ed hypot\u00e9ku, jak chcete. Prost\u011b o \u00fav\u011br, kter\u00fd dostanete v\u00fdm\u011bnou za garanci v podob\u011b nemovitosti, a d\u00edky t\u00e9to jistot\u011b pr\u00e1v\u011b za t\u011bch nejlep\u0161\u00edch mo\u017en\u00fdch podm\u00ednek, bez kompromis\u016f, bez v\u00fdmluv, bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed a zdlouhav\u00e9ho vy\u0159izov\u00e1n\u00ed.
 
 Zde usp\u011bjete i tehdy, kdy v\u00e1s odm\u00edtne kdejak\u00e1 banka, co\u017e se st\u00e1v\u00e1 v na\u0161ich podm\u00ednk\u00e1ch vcelku \u010dasto, zejm\u00e9na kv\u016fli z\u00e1pis\u016fm v registru dlu\u017en\u00edk\u016f nebo p\u0159\u00edli\u0161 n\u00edzk\u00fdm p\u0159\u00edjm\u016fm. M\u016f\u017eete tu z\u00edskat a\u017e sedmdes\u00e1t procent z odhadn\u00ed ceny va\u0161\u00ed nemovitosti. Co\u017e by se sice n\u011bkomu mohlo zd\u00e1t m\u00e1lo, ale ve skute\u010dnosti je to naprosto obvykl\u00e9 \u010d\u00edslo a v\u00edc byste nikdy nikde jinde nedostali, ani v bance.
 
 A kdy\u017e \u010dlov\u011bk tento \u00fav\u011br z\u00edsk\u00e1, m\u00e1 na jeho splacen\u00ed podle dohody jeden rok a\u017e t\u0159icet let, co\u017e je dost velk\u00e1 flexibilita na to, aby si ka\u017ed\u00fd vybral to, co mu vyhovuje nejl\u00e9pe. A poskytnut\u00e9 pen\u00edze lze vyu\u017e\u00edt prakticky na cokoliv, ani\u017e by n\u011bkdo n\u011bkdy p\u00e1tral po jejich osudu.
 
 \u010clov\u011bk si tak dop\u0159eje to, co pot\u0159eboval, a pak klidn\u011b i jen po velice n\u00edzk\u00fdch spl\u00e1tk\u00e1ch s n\u00edzkou \u00farokovou sazbou p\u016fj\u010den\u00e9 pen\u00edze postupn\u011b vrac\u00ed. Ani\u017e by musel cokoliv platit p\u0159edem, naopak s mo\u017enost\u00ed kdykoliv v\u0161e bez sankce a pokuty splatit p\u0159ed\u010dasn\u011b.
 
 A proto by u tohoto typu p\u016fj\u010dky usp\u011bli oba dva v \u00favodu zm\u00edn\u011bn\u00ed spoluob\u010dan\u00e9. I ten s u\u010din\u011bn\u00fdm pal\u00e1cem a latifundiemi, i ten s chatr\u010d\u00ed pomalu na spadnut\u00ed. Proto\u017ee tu typ nemovitosti nehraje v\u016fbec \u017e\u00e1dnou roli a k tomuto \u00fa\u010delu tak lze pou\u017e\u00edt byt nebo d\u016fm stejn\u011b jako pozemek, komer\u010dn\u00ed budovu nebo n\u011bjak\u00fd jin\u00fd objekt nejl\u00e9pe se \u010dty\u0159mi stoj\u00edc\u00edmi st\u011bnami.
 
 A kdo by se tr\u00e1pil s financemi, kdy\u017e existuje takto elegantn\u00ed \u0159e\u0161en\u00ed, \u017ee?
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