[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/od-banky-uz-ani-halir\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/od-banky-uz-ani-halir\/","headline":"Od banky u\u017e ani hal\u00ed\u0159","name":"Od banky u\u017e ani hal\u00ed\u0159","description":"Pokud jste jedn\u00edm z tis\u00edc\u016f, kter\u00fdm zam\u00edtla banka p\u016fj\u010dku, tak se v\u016fbec nemus\u00edte divit. D\u011bje se tak po cel\u00e9 republice a m\u016f\u017ee za to zm\u011bn\u011bn\u00e1 bankovn\u00ed politika, kter\u00e1 je odpov\u011bd\u00ed na zhor\u0161enou platebn\u00ed mor\u00e1lku sv\u00fdch dlu\u017en\u00edk\u016f, velkou zadlu\u017eenost spole\u010dnosti. \u0160patn\u00e9 spl\u00e1cen\u00ed nen\u00ed jedin\u00fd d\u016fvod pro omezen\u00ed podm\u00ednek pro p\u016fj\u010dku, ale je bezesporu jedn\u00edm z t\u011bch nejv\u00edce d\u016fle\u017eit\u00fdch. …

Od banky u\u017e ani hal\u00ed\u0159<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2021-06-01","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_a308104_w1998_t1519242207.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a308104_w1998_t1519242207.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/od-banky-uz-ani-halir\/","about":["P\u016fj\u010dky"],"wordCount":503,"articleBody":"\tPokud jste jedn\u00edm z tis\u00edc\u016f, kter\u00fdm zam\u00edtla banka p\u016fj\u010dku, tak se v\u016fbec nemus\u00edte divit. D\u011bje se tak po cel\u00e9 republice a m\u016f\u017ee za to zm\u011bn\u011bn\u00e1 bankovn\u00ed politika, kter\u00e1 je odpov\u011bd\u00ed na zhor\u0161enou platebn\u00ed mor\u00e1lku sv\u00fdch dlu\u017en\u00edk\u016f, velkou zadlu\u017eenost spole\u010dnosti. \u0160patn\u00e9 spl\u00e1cen\u00ed nen\u00ed jedin\u00fd d\u016fvod pro omezen\u00ed podm\u00ednek pro p\u016fj\u010dku, ale je bezesporu jedn\u00edm z t\u011bch nejv\u00edce d\u016fle\u017eit\u00fdch.\t \tZ\u00e1stava jako n\u00e1pravaDle \u010d\u00edsel a \u00fadaj\u016f neust\u00e1le nar\u016fst\u00e1 obl\u00edbenost tzv. z\u00e1stavn\u00edch smluv a z\u00e1stavn\u00edch \u00fav\u011br\u016f. Jedn\u00e1 se o snad nejstar\u0161\u00ed typ p\u016fj\u010dky, kter\u00fd zn\u00e1me u\u017e z antick\u00e9ho \u0158\u00edma. Co je nejd\u016fle\u017eit\u011bj\u0161\u00ed, nen\u00ed v\u016fbec k zahozen\u00ed. Odevzd\u00e1te n\u011bjak\u00fd p\u0159edm\u011bt nezanedbateln\u00e9 hodnoty, za kter\u00fd v\u00e1m dan\u00fd z\u00e1stavce poskytne finan\u010dn\u00ed obnos v jeho hodnot\u011b. Vy mu pak spl\u00e1c\u00edte pravidelnou dohodnutou \u010d\u00e1stku a pokud by se n\u00e1hodou stalo, \u017ee byste nemohli p\u016fj\u010dku splatit, z\u00e1stavce se m\u016f\u017ee zhojit na dan\u00e9m p\u0159edm\u011btu, kter\u00fd prod\u00e1. Tento typ p\u016fj\u010dky je velmi obl\u00edben\u00fd zejm\u00e9na pro to, \u017ee ru\u010d\u00edte pouze t\u00edm p\u0159edm\u011btem, na jeho\u017e z\u00e1stav\u011b jste se dohodli – proto pokud by si n\u00e1rokovali i v\u00e1\u0161 ostatn\u00ed majetek, jedn\u00e1 se s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed o lichv\u00e1\u0159e. To sam\u00e9 plat\u00ed i pro ty, kte\u0159\u00ed by si p\u0159i sjedn\u00e1v\u00e1n\u00ed z\u00e1stavy cht\u011bli prohl\u00e9dnout v\u00e1\u0161 ostatn\u00ed majetek a ud\u011blat soupis – \u0159ekn\u011bte r\u00e1zn\u00e9 NE a poohl\u00eddn\u011bte se po n\u011b\u010dem d\u016fv\u011bryhodn\u011bj\u0161\u00edm. \tPeer to peer p\u016fj\u010dky\u010c\u00edm d\u00e1l v\u00edce obl\u00edben\u00e9, hned n\u011bkolik internetov\u00fdch platforem umo\u017e\u0148uje p\u016fj\u010dky lid\u00ed lidem. To znamen\u00e1, \u017ee vy si ur\u010d\u00edte \u010d\u00e1stku, dohodnete si \u00farok s platformou, kterou ona nab\u00eddne „investor\u016fm“ a pokud va\u0161e nab\u00eddka bude dostate\u010dn\u011b zaj\u00edmav\u00e1, lid\u00e9 se v\u00e1m na va\u0161i p\u016fj\u010dku slo\u017e\u00ed. Vy jim pak budete p\u0159es platformu vypl\u00e1cet spl\u00e1tky, stejn\u011b, jako u banky. \t\u010cemu se vyvarovatHlavn\u011b v\u00fd\u0161e zm\u00edn\u011bn\u00e9 lichv\u011b. Pokud uvid\u00edte, \u017ee m\u00e1 va\u0161e p\u016fj\u010dka a\u017e p\u0159\u00edli\u0161 velk\u00fd \u00farok, kter\u00fd byste nem\u011bli \u0161anci splatit, rad\u011bji dejte ruce pry\u010d, nikdo v\u00e1m nem\u016f\u017ee p\u0159ik\u00e1zat, abyste ji p\u0159ijali. A pokud v\u00e1s do toho nut\u00ed, tak je n\u011bco \u0161patn\u011b. Tak\u00e9 si dejte pozor na v\u00fd\u0161e zm\u00edn\u011bn\u00e9 u lichv\u00e1\u0159\u016f, kte\u0159\u00ed si cht\u011bj\u00ed d\u011blat soupisy va\u0161eho majetku. Jakmile zastav\u00edte jednu v\u011bc, neru\u010d\u00edte ni\u010d\u00edm jin\u00fdm, proto si dejte pozor na r\u016fzn\u00e9 skryt\u00e9 odstavce a mal\u00e9 p\u00edsmena u va\u0161ich smluv. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Od banky u\u017e ani hal\u00ed\u0159","item":"https:\/\/www.zerba.cz\/od-banky-uz-ani-halir\/#breadcrumbitem"}]}]