{"id":1221,"date":"2019-04-04T14:49:15","date_gmt":"2019-04-04T12:49:15","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1221"},"modified":"2020-02-05T19:56:24","modified_gmt":"2020-02-05T18:56:24","slug":"nebankovni-uvery-na-co-si-dat-velky-pozor","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/nebankovni-uvery-na-co-si-dat-velky-pozor\/","title":{"rendered":"Nebankovn\u00ed \u00fav\u011bry- na co si d\u00e1t velk\u00fd pozor!"},"content":{"rendered":"\n<p>V&nbsp;praxi se setk\u00e1v\u00e1m se p\u0159\u00edpady, kdy se na m\u011b obr\u00e1t\u00ed klienti s&nbsp;\u017e\u00e1dost\u00ed o konsolidaci sv\u00fdch n\u011bkolika z\u00e1vazk\u016f\u2026 zpravidla se jedn\u00e1 o kombinaci bankovn\u00edch a nebankovn\u00edch \u00fav\u011br\u016f.<\/p>\n\n\n\n<p>Pr\u00e1v\u011b u nebankovn\u00edch \u00fav\u011br\u016f je mnohdy situace opravdu zl\u00e1. Proto jsem se rozhodla sepsat tento \u010dl\u00e1nek, aby lid\u00e9, kte\u0159\u00ed uva\u017euj\u00ed \u0159e\u0161it svoji situaci nebankovn\u00ed p\u016fj\u010dkou v\u011bd\u011bli, co je ve v\u011bt\u0161in\u011b p\u0159\u00edpadech \u010dek\u00e1 a pro ty klienty, kte\u0159\u00ed u\u017e n\u011bjakou takovou p\u016fj\u010dku maj\u00ed a pot\u0159ebuj\u00ed se j\u00ed zbavit, uvedu n\u011bkolik mo\u017enost\u00ed, jak spory \u0159e\u0161it.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Co vede klienty k&nbsp;nebankovn\u00ed p\u016fj\u010dce?<\/h2>\n\n\n\n<p>Nej\u010dast\u011bj\u0161\u00ed d\u016fvod, pro\u010d si lid\u00e9 nebankovn\u00ed p\u016fj\u010dku vezmou, je jej\u00ed velmi snadn\u00e9 sjedn\u00e1n\u00ed a schv\u00e1len\u00ed. Nebankovky v&nbsp;drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nezkoumaj\u00ed p\u0159\u00edjem ani registry \u017eadatele o \u00fav\u011br, ale zaj\u00edmaj\u00ed se pouze o to, jakou z\u00e1stavu (nemovitost) m\u016f\u017eete nab\u00eddnout (a jakou m\u00e1 \u201ehlavn\u011b\u201c! hodnotu).<\/p>\n\n\n\n<p>St\u00e1v\u00e1 se velmi \u010dasto, \u017ee kdy\u017e si p\u016fj\u010d\u00edte nap\u0159\u00edklad 500.000,-, tak tento \u00fav\u011br zastav\u00edte rodinn\u00fdm domem nebo bytem, kter\u00fd m\u00e1 mnohon\u00e1sobn\u011b v\u011bt\u0161\u00ed hodnotu, ne\u017e je s\u00e1m dluh.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Na co si d\u00e1t VELK\u00dd pozor!<\/h4>\n\n\n\n<p>Aby se nesolidn\u00ed nebankovn\u00ed spole\u010dnosti vyhli povinnostem ze z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, jeho\u017e novela plat\u00ed od 1.12.2016 a kter\u00e1 mimo jin\u00e9 ukl\u00e1d\u00e1 povinnosti d\u016fkladn\u011b prov\u011b\u0159it finan\u010dn\u00ed situaci \u017eadatele o p\u016fj\u010dku p\u0159ed jej\u00edm schv\u00e1len\u00edm, zakazuje pou\u017e\u00edvat rozhod\u010d\u00ed dolo\u017eky a tak\u00e9 mimo jin\u00e9 sezn\u00e1mit klienta se v\u0161emi poplatky a sankcemi, tak toto na\u0159\u00edzen\u00ed obch\u00e1z\u00ed tak, \u017ee smlouvu o \u00fav\u011bru s&nbsp;v\u00e1mi sep\u00ed\u0161ou na I\u010c (pokud nejste OSV\u010c, \u017eivnostensk\u00fd list s&nbsp;v\u00e1mi zalo\u017e\u00ed).<\/p>\n\n\n\n<p>Takto vypad\u00e1 screen jedn\u00e9 \u00fav\u011brov\u00e9 smlouvy od nebankovky na 700.000,-<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"553\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka-1024x553.jpg\" alt=\"nebankovka\" class=\"wp-image-2946\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka-1024x553.jpg 1024w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka-300x162.jpg 300w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka-768x415.jpg 768w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka-1536x830.jpg 1536w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka-600x324.jpg 600w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/nebankovka.jpg 2016w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>Z toho \u00faryvku vypl\u00fdv\u00e1, \u017ee:<\/p>\n\n\n\n<ul><li>&#8211; \u00darok je uzav\u0159en na 8,9%<\/li><li>&#8211; Poplatek za uzav\u0159en\u00ed t\u00e9to smlouvy na 700tis d\u011bl\u00e1 49.000,-<\/li><li>&#8211; P\u0159i \u0159\u00e1dn\u00e9m spl\u00e1cen\u00ed \u00fav\u011bru zaplat\u00edte celkovou \u010d\u00e1stku 1.995.000,- co\u017e je t\u00e9m\u011b\u0159 3x tolik, ne\u017e jste si p\u016fj\u010dili!!!<\/li><li>&#8211; Nemovitost je zastaven\u00e1 do maxim\u00e1ln\u00ed mo\u017en\u00e9 vym\u00e1han\u00e9 \u010d\u00e1stky 4.369.050,- (na to, \u017ee si p\u016fj\u010d\u00edte \u201ejen\u201c 700tis, po v\u00e1s m\u016f\u017ee tato firma po\u017eadovat a\u017e 6ti n\u00e1sobek p\u016fvodn\u00ed jistiny!!)<\/li><li>&#8211; Jakmile se zpozd\u00edte se spl\u00e1tkou o jeden m\u011bs\u00edc, pak m\u00e1 tato nebankovka n\u00e1rok na tyto poplatky:<br><\/li><\/ul>\n\n\n\n<ol><li>0,2% smluvn\u00ed pokuty z&nbsp;dlu\u017en\u00e9 \u010d\u00e1stky za ka\u017ed\u00fd den v&nbsp;prodlen\u00ed; tj. 1400,-\/den (42tis za m\u011bs\u00edc)<\/li><li>10% jednor\u00e1zov\u00fd poplatek za to, \u017ee jste nezaplatili v\u010das; tj. 70.000,-<\/li><li>Jakmile se vy, nebo nebankovka rozhodnete odstoupit od smlouvy, poplatek je a\u017e 1.400.000,- (v praxi n\u00e1rokov\u00e1n ve 100% v\u00fd\u0161i)<\/li><\/ol>\n\n\n\n<p>Kdy\u017e to shrneme, tak jen t\u00edm, \u017ee se jeden m\u011bs\u00edc zpozd\u00edte se spl\u00e1tkou, v\u00e1m v\u00e1\u0161 dluh naroste ze 700.000,- na 2.212.000,- (sou\u010det sankc\u00ed v\u00fd\u0161e, tj. 42.000+70.000+1.400.000 plus nav\u00edc zb\u00fdvaj\u00edc\u00ed jistina ke splacen\u00ed 700.000,-).<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">Rychl\u00e1 p\u016fj\u010dka, Japonsk\u00e1 p\u016fj\u010dka, \u010c\u00ednsk\u00e1 p\u016fj\u010dka a dal\u0161\u00ed, takov\u00e9 \u201echyt\u00e1ky\u201c<\/h4>\n\n\n\n<p>S&nbsp;reklamami na tyto kr\u00e1tk\u00e9 p\u016fj\u010dky se nej\u010dast\u011bji setk\u00e1te na internetu a v&nbsp;televizi. Na prvn\u00ed pohled se jev\u00ed jako \u201esuper\u201c rezerva, kdy\u017e v\u00e1m chyb\u00ed p\u00e1r tis\u00edcovek p\u0159ed v\u00fdplatou, nebo si \u201ejen\u201c pot\u0159ebujete p\u016fj\u010dit men\u0161\u00ed \u010d\u00e1stku a splatit ji do jednoho roku; ALE\u2026<\/p>\n\n\n\n<p>Takto vypad\u00e1 screen z&nbsp;jedn\u00e9 re\u00e1ln\u011b uzav\u0159en\u00e9 smlouvy na \u201erychlou\u201c p\u016fj\u010dku:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/Zaplo.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"393\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/Zaplo-1024x393.jpg\" alt=\"Zaplo\" class=\"wp-image-2947\" srcset=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/Zaplo-1024x393.jpg 1024w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/Zaplo-300x115.jpg 300w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/Zaplo-768x295.jpg 768w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/Zaplo-600x230.jpg 600w, https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/04\/Zaplo.jpg 1249w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>Nep\u0159ijde v\u00e1m na podm\u00ednk\u00e1ch \u00fav\u011bru n\u011bco divn\u00e9ho? Pod\u00edvejte se na \u00farokovou sazbu- rovn\u00fdch 100% (to znamen\u00e1, \u017ee si p\u016fj\u010d\u00edte 20tis a za 23 m\u011bs\u00edc\u016f splat\u00edte dvakr\u00e1t tolik!) P\u0159itom b\u011b\u017en\u00fd \u00fav\u011br v bance m\u00e1 \u00farok od 3,9% ! Dal\u0161\u00ed v\u011bc RPSN (ro\u010dn\u00ed n\u00e1kladovost \u00fav\u011bru) na 161,3%- to znamen\u00e1, \u017ee tuto smlouvu p\u0159eplat\u00edte na r\u016fzn\u00fdch poplatc\u00edch o dal\u0161\u00edch cca 12tis.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">Jak \u0159e\u0161it situaci zesplatn\u011bn\u00ed \u00fav\u011bru?<\/h4>\n\n\n\n<p>Kdy\u017e nastane takov\u00fd probl\u00e9m, kdy v\u00e1s nebankovka vyzve v kr\u00e1tk\u00e9 dob\u011b k \u00fahrad\u011b dlu\u017en\u00e9 \u010d\u00e1stky v\u010detn\u011b zm\u00edn\u011bn\u00fdch poplatk\u016f, m\u00e1te dv\u011b mo\u017enosti, jak se br\u00e1nit.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\">1. Obra\u0165te se na institut finan\u010dn\u00edho arbitra<\/h5>\n\n\n\n<p>(<a href=\"https:\/\/www.finarbitr.cz\/cs\/reseni-sporu\/pruvodce-podanim-navrhu.html\">https:\/\/www.finarbitr.cz\/cs\/reseni-sporu\/pruvodce-podanim-navrhu.html<\/a>) a podejte n\u00e1vrh na \u0159e\u0161en\u00ed sporu:<\/p>\n\n\n\n<ul><li>Pod\u00e1n\u00ed n\u00e1vrhu je zdarma a je mo\u017en\u00e9 jej prov\u00e9st online.<\/li><li>Dolo\u017ete v\u0161echny informace k \u00fav\u011bru v\u010detn\u011b komunikace (tady se v\u00e1m bude hodit pr\u00e1v\u011b hodit opis email\u016f), v\u0161echna ozn\u00e1men\u00ed, kter\u00fdmi jste nebankovku upozornili na situaci (nap\u0159\u00edklad \u00faraz, dlouhodobou nemoc, propad p\u0159\u00edjm\u016f).<\/li><li>Sepi\u0161te sv\u016fj p\u0159\u00edb\u011bh (pro\u010d jste \u00fav\u011br pot\u0159ebovali, jak prob\u011bhlo jedn\u00e1n\u00ed se z\u00e1stupcem firmy, o \u010dem jste nev\u011bd\u011bli nebo co v\u00e1m nebylo vysv\u011btleno atd.)<\/li><li>Napi\u0161te, co po\u017eadujete od Arbitra (zneplatn\u011bn\u00ed smlouvy o \u00fav\u011bru, stanoven\u00ed v\u00fd\u0161e akceptovan\u00fdch poplatk\u016f aj.)<\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">2. Ob\u010dansko- soudn\u00ed \u0159\u00edzen\u00ed<\/h5>\n\n\n\n<p>Zde u\u017e je pot\u0159eba sou\u010dinnost pr\u00e1vn\u00edka, kter\u00fd s v\u00e1mi cel\u00fd p\u0159\u00edpad projde a navrhne vhodnou strategii \u0159e\u0161en\u00ed.<\/p>\n\n\n\n<p>\u010cinnost pr\u00e1vn\u00edka je zpoplatn\u011bn\u00e1, mus\u00edte tak tedy po\u010d\u00edtat s finan\u010dn\u00edmi v\u00fddaji (zpravidla pr\u00e1ce pr\u00e1vn\u00edka na p\u0159\u00edpadu v rozsahu 10hodin m\u016f\u017ee vyj\u00edt na 20tis; + n\u00e1klady na soudn\u00ed \u0159\u00edzen\u00ed mohou vyj\u00edt a\u017e na statis\u00edce (zah\u00e1jen\u00ed soudn\u00edho sporu je zpoplatn\u011bno podle sazebn\u00edku, kter\u00fd je p\u0159\u00edlohou z\u00e1kona 549\/1991 Sb. O soudn\u00edch poplatc\u00edch)<\/p>\n\n\n\n<p>Za n\u00e1vrh na zah\u00e1jen\u00ed ob\u010dansk\u00e9ho soudn\u00edho \u0159\u00edzen\u00ed, jeho\u017e p\u0159edm\u011btem je pen\u011b\u017eit\u00e9 pln\u011bn\u00ed, se plat\u00ed tento poplatek:<\/p>\n\n\n\n<ul><li>do \u010d\u00e1stky 20.000,- K\u010d;&nbsp; poplatek 1.000,- K\u010d<\/li><li>v \u010d\u00e1stce vy\u0161\u0161\u00ed ne\u017e 20.000,- K\u010d do 40.000.000 K\u010d; 5 % z t\u00e9to \u010d\u00e1stky<\/li><li>v \u010d\u00e1stce vy\u0161\u0161\u00ed ne\u017e 40.000.000 K\u010d; 2.000.000 K\u010d a 1 % z \u010d\u00e1stky p\u0159esahuj\u00edc\u00ed 40.000.000 K\u010d; \u010d\u00e1stka nad 25.000.0000 K\u010d se nezapo\u010d\u00edt\u00e1v\u00e1<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Prevence<\/h4>\n\n\n\n<ul><li>Nepodepisovat smlouvu o \u00fav\u011bru na I\u010c, ale na rodn\u00e9 \u010d\u00edslo (trvejte na tom!! Jinak nebudete chr\u00e1n\u011bni z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru).<\/li><li>Nechte si vysv\u011btlit poplatkovou strukturu smlouvy, zp\u016fsob v\u00fdpo\u010dtu sankce a kdy se takov\u00e1 sankce n\u00e1rokuje.<\/li><li>Zaj\u00edmejte se o limit \u010d\u00e1stky na z\u00e1stavn\u00ed smlouv\u011b (\u010d\u00e1stka, kterou si nebankovka m\u016f\u017ee v p\u0159\u00edpad\u011b poplatk\u016f n\u00e1rokovat; je to velmi d\u016fle\u017eit\u00e9 \u010d\u00edslo!)<\/li><li>Ve\u0161kerou komunikaci s nebankovkou \u0159e\u0161te p\u00edsemn\u011b (ide\u00e1ln\u011b emailem; usnadn\u00ed v\u00e1m to d\u016fkazn\u00ed \u0159\u00edzen\u00ed v p\u0159\u00edpad\u011b sporu).<\/li><li>Ptejte se na v\u00fd\u0161i RPSN- n\u00e1kladovost \u00fav\u011bru (tzn. kolik v\u00e1s bude st\u00e1t po\u0159\u00edzen\u00ed takov\u00e9ho \u00fav\u011bru, jak\u00e9 jsou poplatky za vy\u0159\u00edzen\u00ed a poskytnut\u00ed \u00fav\u011bru\u2026)<\/li><li>Trvejte na tom, aby v\u0161echny poplatky a sankce byly sou\u010d\u00e1st\u00ed \u00fav\u011brov\u00e9 smlouvy a neodkazovali se na v\u0161eobecn\u00e9 \u00fav\u011brov\u00e9 podm\u00ednky, kter\u00e9 m\u016f\u017ee nebankovka kdykoliv bez va\u0161eho souhlasu m\u011bnit.<\/li><li>Nepodepisujte nic pod n\u00e1tlakem a pohr\u016f\u017ekami.<\/li><li>Nepodepisujte smlouvy, kter\u00e9 obsahuj\u00ed ujedn\u00e1n\u00ed o p\u0159\u00edm\u00e9 vykonavatelnosti nebo rozhod\u010d\u00ed dolo\u017eku (toto zpravidla znamen\u00e1, \u017ee jakmile se zpozd\u00edte se spl\u00e1tkou, m\u016f\u017ee nebankovka zesplatnit \u00fav\u011br a z\u00e1stavu-v\u00e1\u0161 rodinn\u00fd d\u016fm\/byt prodat).<\/li><li>Vemte si \u010das na prostudov\u00e1n\u00ed \u00fav\u011brov\u00e9 smlouvy a pora\u010fte se odborn\u00edkem ve financ\u00edch.<\/li><\/ul>\n\n\n\n<p>Seri\u00f3znost poskytovatele p\u016fj\u010dky si tak\u00e9 snadno ov\u011b\u0159\u00edte v seznamu veden\u00e9m \u010cNB <a href=\"https:\/\/apl.cnb.cz\/apljerrsdad\/JERRS.WEB07.INTRO_PAGE?p_lang=cz\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"https:\/\/apl.cnb.cz\/apljerrsdad\/JERRS.WEB07.INTRO_PAGE?p_lang=cz (otev\u0159e se na nov\u00e9 z\u00e1lo\u017ece)\">https:\/\/apl.cnb.cz\/apljerrsdad\/JERRS.WEB07.INTRO_PAGE?p_lang=cz<\/a> pokud zde poskytovatele p\u016fj\u010dky nenajdete, tak se pravd\u011bpodobn\u011b nejedn\u00e1 o licencovanou firmu, kter\u00e1 podl\u00e9h\u00e1 dohledu \u010cesk\u00e9 n\u00e1rodn\u00ed banky.<\/p>\n\n\n\n<p>Zjist\u011bte si tak\u00e9, zda je spole\u010dnost \u010dlenem APN\u00da (Asociace poskytovatel\u016f nebankovn\u00edch \u00fav\u011br\u016f) <a href=\"http:\/\/www.apnu.cz\/\">http:\/\/www.apnu.cz\/<\/a> . Jedn\u00e1 se o nez\u00e1visl\u00fd spolek nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 maj\u00ed spole\u010dn\u00fd kodex. V&nbsp;n\u011bm se zavazuj\u00ed nap\u0159\u00edklad k&nbsp;tomu, \u017ee klientovi v\u017edy poskytnou komplexn\u00ed informace o \u00fav\u011bru, \u017ee v\u0161echny jejich propaga\u010dn\u00ed a reklamn\u00ed materi\u00e1ly budou jasn\u00e9 a nezav\u00e1d\u011bj\u00edc\u00ed apod.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">Refinancov\u00e1n\u00ed nebankovn\u00edho \u00fav\u011bru<\/h4>\n\n\n\n<p>Nebankovn\u00ed \u00fav\u011br je mo\u017en\u00e9 refinancovat klasick\u00fdm bankovn\u00edm \u00fav\u011brem s podstatn\u011b ni\u017e\u00ed \u00farokovou sazbou (od 3,9%). V p\u0159\u00edpad\u011b, \u017ee se jedn\u00e1 o refinancov\u00e1n\u00ed nebankovn\u00edho \u00fav\u011bru zaji\u0161t\u011bn\u00e9ho nemovitost\u00ed, pak je mo\u017en\u00e9 tento \u00fav\u011br splatit tzv. Americkou hypot\u00e9kou, kter\u00e1 m\u00e1 rovn\u011b\u017e n\u00edzk\u00fd \u00farok (od 3,99%).<\/p>\n\n\n\n<p>Uvedu p\u0159\u00edklad z praxe, kdy se na m\u011b obr\u00e1til klient, kter\u00fd byl ji\u017e za hranici p\u0159edlu\u017een\u00ed. Celkem se jednalo o konsolidaci 8 spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f:<\/p>\n\n\n\n<ul><li>ERA 43.292,89 (spl. 821,18K\u010d)<\/li><li>ERA 50.119,23 (spl. 3.923,59K\u010d)<\/li><li>Provident 97.664 (spl. 4.100,-)<\/li><li>Provident 65.543 (spl. 3650,-)<\/li><li>Zaplo 45.562,31 (spl. 1980,97)<\/li><li>Home credit 107.000,- (spl. 3741,-)<\/li><li>Benecredit cca 90.000 (spl. 3.000,-)<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Na spl\u00e1tk\u00e1ch ka\u017ed\u00fd m\u011bs\u00edc odvedl 21.200,-K\u010d (na \u017eivobyt\u00ed tak zb\u00fdvalo 13.800). I p\u0159es to, \u017ee se v registrech uk\u00e1zalo n\u011bkolik spl\u00e1tek po splatnosti, ale v\u017edy byly spl\u00e1tky v dan\u00e9m m\u011bs\u00edci zaplacen\u00e9, se poda\u0159ilo v\u0161echny \u00fav\u011bry slou\u010dit do jednoho a refinancovat bez nutnosti zaji\u0161t\u011bn\u00ed nemovitost\u00ed. Nov\u00e1 spl\u00e1tka tak byla schv\u00e1len\u00e1 na 8,500,-\/m\u011bs\u00ed\u010dn\u011b.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Pot\u0159ebujete se zeptat na to, co by se dalo ud\u011blat s va\u0161imi z\u00e1vazky a jak, pokud mo\u017eno, sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a zm\u011bnit podm\u00ednky \u00fav\u011bru? Napi\u0161te mi nebo zavolejte- va\u0161e dotazy r\u00e1da zodpov\u00edm.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V&nbsp;praxi se setk\u00e1v\u00e1m se p\u0159\u00edpady, kdy se na m\u011b obr\u00e1t\u00ed klienti s&nbsp;\u017e\u00e1dost\u00ed o konsolidaci sv\u00fdch n\u011bkolika z\u00e1vazk\u016f\u2026 zpravidla se jedn\u00e1 o kombinaci bankovn\u00edch a nebankovn\u00edch \u00fav\u011br\u016f. Pr\u00e1v\u011b u nebankovn\u00edch \u00fav\u011br\u016f je mnohdy situace opravdu zl\u00e1. Proto jsem se rozhodla sepsat tento \u010dl\u00e1nek, aby lid\u00e9, kte\u0159\u00ed uva\u017euj\u00ed \u0159e\u0161it svoji situaci nebankovn\u00ed p\u016fj\u010dkou v\u011bd\u011bli, co je ve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[89],"tags":[90],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/nebankovn\u00ed-\u00fav\u011br.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1221"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=1221"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1221\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1223"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}