[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.virgo-plus.cz\/pomoc-nebo-zhouba\/#Article","mainEntityOfPage":"https:\/\/www.virgo-plus.cz\/pomoc-nebo-zhouba\/","headline":"Pomoc nebo zhouba","name":"Pomoc nebo zhouba","description":"Pen\u00edze a zase pen\u00edze. \u0158e\u0161\u00edme je v\u0161ichni dnes a denn\u011b. Proto je taky tak n\u00e1ro\u010dn\u00e9 zajistit si kvalitn\u00ed st\u00e1l\u00fd p\u0159\u00edjem a dos\u00e1hnout tak dostate\u010dn\u00e9ho zabezpe\u010den\u00ed. Mnoho lid\u00ed se nach\u00e1z\u00ed ve finan\u010dn\u00edch probl\u00e9mech. To m\u016f\u017ee b\u00fdt zp\u016fsobeno nedostate\u010dn\u00fdm vzd\u011bl\u00e1n\u00edm, nechut\u00ed pracovat nebo neochotou se vzd\u011bl\u00e1vat. Pen\u00edze maj\u00ed r\u00e1di v\u0161ichni, ale jejich<!--hoot-read-more-quicktag-->","datePublished":"2018-11-29","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.virgo-plus.cz\/author\/#Person","name":"","url":"https:\/\/www.virgo-plus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"virgo-plus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.virgo-plus.cz\/wp-content\/uploads\/img_a335498_w2807_t1548770111.jpg","url":"https:\/\/www.virgo-plus.cz\/wp-content\/uploads\/img_a335498_w2807_t1548770111.jpg","height":0,"width":0},"url":"https:\/\/www.virgo-plus.cz\/pomoc-nebo-zhouba\/","about":["Pen\u00edze"],"wordCount":457,"articleBody":"Pen\u00edze a zase pen\u00edze. \u0158e\u0161\u00edme je v\u0161ichni dnes a denn\u011b. Proto je taky tak n\u00e1ro\u010dn\u00e9 zajistit si kvalitn\u00ed st\u00e1l\u00fd p\u0159\u00edjem a dos\u00e1hnout tak dostate\u010dn\u00e9ho zabezpe\u010den\u00ed. Mnoho lid\u00ed se nach\u00e1z\u00ed ve finan\u010dn\u00edch probl\u00e9mech. To m\u016f\u017ee b\u00fdt zp\u016fsobeno nedostate\u010dn\u00fdm vzd\u011bl\u00e1n\u00edm, nechut\u00ed pracovat nebo neochotou se vzd\u011bl\u00e1vat. Pen\u00edze maj\u00ed r\u00e1di v\u0161ichni, ale jejich z\u00edsk\u00e1v\u00e1n\u00ed u\u017e tolik ne. \u017dijeme v dob\u011b, kdy je v\u0161echno spot\u0159ebn\u00ed, konzumn\u00ed a v\u0161ichni cht\u011bj\u00ed v\u0161echno hned. Potom nast\u00e1vaj\u00ed p\u0159\u00edpady, kdy si lid\u00e9 p\u016fj\u010duj\u00ed pen\u00edze na v\u011bci, kter\u00e9 nepot\u0159ebuj\u00ed a n\u00e1sledn\u011b nemaj\u00ed \u0161anci p\u016fj\u010dku spl\u00e1cet. N\u00e1sledn\u011b jsou pak banky l\u00ed\u010deny jako zlod\u011bji, kte\u0159\u00ed pouze okr\u00e1daj\u00ed chud\u00e1ky ob\u010dany, ale u\u017e nikdo nevid\u00ed ty sumy pen\u011bz, o kter\u00e9 banka p\u0159ijde, kdy\u017e p\u016fj\u010d\u00ed osob\u011b, kter\u00e1 nen\u00ed ani tro\u0161ku bonitn\u00ed. Z toho d\u016fvodu tak\u00e9 banka po\u017eaduje ur\u010dit\u00e9 z\u00e1ruky po klientovi. Ty se sestavuj\u00ed ze t\u0159\u00ed z\u00e1kladn\u00edch bod\u016f, kter\u00e9 mus\u00ed ka\u017ed\u00fd \u017eadatel o \u00fav\u011br spl\u0148ovat. Jde zejm\u00e9na o: \u00b7 Z\u00e1stavu vlastn\u00ed nebo ru\u010ditelsk\u00e9 nemovitosti \u00b7 V\u00fdpis z registru dlu\u017en\u00edk\u016f (zji\u0161\u0165uje se, zda u\u017e nem\u00e1me n\u011bjak\u00e9 p\u0159ede\u0161l\u00e9 dluhy) \u00b7 Dolo\u017een\u00ed stabiln\u00edho zam\u011bstn\u00e1n\u00ed s pravideln\u00fdm p\u0159\u00edjmem Tyto t\u0159i z\u00e1kladn\u00ed slo\u017eky mus\u00ed dolo\u017eit ka\u017ed\u00fd \u017eadatel o \u00fav\u011br. Pokud podm\u00ednky spl\u0148uje nen\u00ed probl\u00e9m, aby mu banka poskytla pot\u0159ebnou \u010d\u00e1stku. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b se mus\u00ed klient obr\u00e1tit na nebankovn\u00ed spole\u010dnost a za\u017e\u00e1dat si tak o p\u016fj\u010dku bez registru. Nejde jen o to, zda pen\u00edze dlu\u017e\u00edme nebo ne, ale \u010d\u00e1stka, o kterou \u017e\u00e1d\u00e1me mus\u00ed b\u00fdt ni\u017e\u0161\u00ed ne\u017e hodnota na\u0161\u00ed nemovitosti. Dle stanov banky je ocen\u011bna nemovitost a \u00fav\u011br je n\u00e1sledn\u011b poskytnut pouze do 80% hodnoty nemovitosti. Kdy\u017e u\u017e jsme zadlu\u017een\u00ed mus\u00edme se obr\u00e1tit na nebankovn\u00ed spole\u010dnosti, kter\u00e9 jsou ov\u0161em pon\u011bkud dra\u017e\u0161\u00ed a zadlu\u017eit se u takov\u00e9 spole\u010dnosti je pon\u011bkud tenk\u00fd led. Jeliko\u017e m\u00e1 spoustu podm\u00ednek, kter\u00e9 m\u016f\u017eeme odhalit a\u017e z\u00e1hy a dostat se tak do velk\u00fdch probl\u00e9m\u016f. To m\u016f\u017ee u n\u011bkter\u00fdch klient\u016f vy\u00fastit do dluhov\u00fdch past\u00ed , kter\u00e9 nen\u00ed pro nikoho snadn\u00e9 ust\u00e1t. Nejlep\u0161\u00ed je naj\u00edt si bankovn\u00edho poradce, kter\u00fd n\u00e1m p\u016fj\u010dky slou\u010d\u00ed do jedn\u00e9 a pom\u016f\u017ee n\u00e1m tak se s nimi efektivn\u011b a rychle vypo\u0159\u00e1dat.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pomoc nebo zhouba","item":"https:\/\/www.virgo-plus.cz\/pomoc-nebo-zhouba\/#breadcrumbitem"}]}]