[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/chcete-si-pozadat-o-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/chcete-si-pozadat-o-pujcku\/","headline":"Chcete si po\u017e\u00e1dat o p\u016fj\u010dku?","name":"Chcete si po\u017e\u00e1dat o p\u016fj\u010dku?","description":"Pokud va\u0161e situace nedovol\u00ed jinak, i kdy\u017e v\u00e1s v ka\u017ed\u00e9m p\u0159\u00edpad\u011b varujeme p\u0159ed un\u00e1hlen\u00fdm rozhodnut\u00edm, vz\u00edt si p\u016fj\u010dku, ur\u010dit\u011b budete muset o p\u016fj\u010dku po\u017e\u00e1dat a na to si p\u0159ipravit podklady, argumenty a fakt. Jak\u00e1? &nbsp; Nejprve budete muset, a\u0165 u\u017e p\u016fjdete do banky \u010di budete hledat poskytovatele na internetu, sd\u011blit n\u00e1sleduj\u00edc\u00ed informace: &nbsp; &bull;&nbsp;&nbsp;&nbsp; Kolik &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/chcete-si-pozadat-o-pujcku\/\"> <span class=\"screen-reader-text\">Chcete si po\u017e\u00e1dat o p\u016fj\u010dku?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-07-25","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294445_w1990_t1506371987.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294445_w1990_t1506371987.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/chcete-si-pozadat-o-pujcku\/","about":["P\u016fj\u010dky"],"wordCount":478,"articleBody":"\tPokud va\u0161e situace nedovol\u00ed jinak, i kdy\u017e v\u00e1s v ka\u017ed\u00e9m p\u0159\u00edpad\u011b varujeme p\u0159ed un\u00e1hlen\u00fdm rozhodnut\u00edm, vz\u00edt si p\u016fj\u010dku, ur\u010dit\u011b budete muset o p\u016fj\u010dku po\u017e\u00e1dat a na to si p\u0159ipravit podklady, argumenty a fakt. Jak\u00e1?\t&nbsp;\tNejprve budete muset, a\u0165 u\u017e p\u016fjdete do banky \u010di budete hledat poskytovatele na internetu, sd\u011blit n\u00e1sleduj\u00edc\u00ed informace:\t&nbsp;\t&bull;&nbsp;&nbsp;&nbsp; Kolik pen\u011bz si chcete p\u016fj\u010dit?\tV\u011bt\u0161ina norm\u00e1ln\u00edch b\u011b\u017en\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f se pohybuje od cca jednoho tis\u00edce korun do cca \u0161esti set tis\u00edc\u016f korun.\t&bull;&nbsp;&nbsp;&nbsp; Jak dlouho chcete vybranou \u010d\u00e1stku spl\u00e1cet?\tPo novele z prosince 2016 je nejkrat\u0161\u00ed \u010das na spl\u00e1cen\u00ed ur\u010den na \u0161est m\u011bs\u00edc\u016f a v\u011bt\u0161ina bank tyto \u00fav\u011bry nab\u00edz\u00ed spl\u00e1cet a\u017e osm let, to znamen\u00e1 96 m\u011bs\u00edc\u016f.\t&bull;&nbsp;&nbsp;&nbsp; Jste vlastn\u00edkem nemovitosti?\tPt\u00e1te se, pro\u010d toto banku zaj\u00edm\u00e1? Je to jednoduch\u00e9. Nemovitost\u00ed m\u016f\u017eete ru\u010dit pro p\u0159\u00edpad, \u017ee byste nespl\u00e1celi \u0159\u00e1dn\u011b svoji p\u016fj\u010dku.\t&bull;&nbsp;&nbsp;&nbsp; Podnik\u00e1te nebo jste zam\u011bstnan\u00ed?\t&bull;&nbsp;&nbsp;&nbsp; Pokud podnik\u00e1te, podnik\u00e1te d\u00e9le ne\u017e jeden rok?\t&bull;&nbsp;&nbsp;&nbsp; Pokud jste zam\u011bstnan\u00ed, m\u00e1te pracovn\u00ed pom\u011br d\u00e9le ne\u017e t\u0159i m\u011bs\u00edce a nejste ve v\u00fdpov\u011bdn\u00ed lh\u016ft\u011b?\t&bull;&nbsp;&nbsp;&nbsp; M\u00e1te ji\u017e n\u011bjakou jinou p\u016fj\u010dku, kterou spl\u00e1c\u00edte?\t&bull;&nbsp;&nbsp;&nbsp; Jste zaps\u00e1n v registru dlu\u017en\u00edk\u016f?\t&nbsp;\tRozhodn\u011b se nevypl\u00e1c\u00ed na tyto ot\u00e1zky odpov\u00eddat nepravdiv\u011b, proto\u017ee stejn\u011b v\u0161echny tyto ot\u00e1zky budete muset zodpov\u011bd\u011bt pravdiv\u011b d\u0159\u00edve nebo pozd\u011bji, proto\u017ee odpov\u011bdi na n\u011b budete muset vz\u00e1p\u011bt\u00ed dokl\u00e1dat r\u016fzn\u00fdmi dokumenty. Ty, kter\u00e9 osoby neum\u00ed dolo\u017eit si banky zji\u0161\u0165uj\u00ed sami.\t&nbsp;\tTedy, co pak ponesete do banky nebo co si banka vy\u017e\u00e1d\u00e1?\t&nbsp;\t&bull;&nbsp;&nbsp;&nbsp; Potvrzen\u00ed ze zam\u011bstn\u00e1n\u00ed o pracovn\u00edm pom\u011bru a v\u00fd\u0161i va\u0161eho p\u0159\u00edjmu a nebo\t&bull;&nbsp;&nbsp;&nbsp; Da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed z posledn\u00edho da\u0148ov\u00e9ho obdob\u00ed\t&bull;&nbsp;&nbsp;&nbsp; V\u00fdpis z katastru nemovitost\u00ed\t&bull;&nbsp;&nbsp;&nbsp; V\u00fdpis z bankovn\u00edho registru\t&nbsp;\tPokud v\u0161echno p\u016fjde dob\u0159e, banka nebo i poradci v\u00e1m vyjedou nab\u00eddky, kter\u00e9 budou ur\u010deny pro v\u00e1\u0161 profil \u017eadatele.\t&nbsp;\tNikdy potom nezapome\u0148te zkontrolovat v\u0161echny polo\u017eky a podm\u00ednky, kter\u00e9 v\u00e1m k \u00fav\u011bru bodu p\u0159id\u011bleny, proto\u017ee i zd\u00e1nliv\u011b v\u00fdhodn\u00e1 nab\u00eddka se ve v\u00fdsledku m\u016f\u017ee velmi prodra\u017eit!                                                                                                                                                                                                                                                                                                                                                                                                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