[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-s-rucitelem\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-s-rucitelem\/","headline":"P\u016fj\u010dka a \u00fav\u011br s ru\u010ditelem","name":"P\u016fj\u010dka a \u00fav\u011br s ru\u010ditelem","description":"Jak je to v&nbsp;p\u0159\u00edpad\u011b ru\u010ditele? Je v\u017edy vy\u017eadov\u00e1n p\u0159i \u017e\u00e1dosti o \u00fav\u011br? Pot\u0159ebujeme jej v\u016fbec n\u011bkdy, nebo se s&nbsp;n\u00edm naopak u\u017e v&nbsp;dne\u0161n\u00edch p\u016fj\u010dk\u00e1ch v\u016fbec nepo\u010d\u00edt\u00e1? P\u016fj\u010dky s&nbsp;ru\u010ditelem jsou je\u0161t\u011b st\u00e1le \u010dasto diskutovateln\u00e9 t\u00e9ma. M\u00edt ru\u010ditele nebo nem\u00edt? U jak vysok\u00e9 \u010d\u00e1stky je to vy\u017eadov\u00e1no a v&nbsp;jak\u00e9m p\u0159\u00edpad\u011b se bez n\u011bj obejdeme? To jsou nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky, &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-s-rucitelem\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br s ru\u010ditelem<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-19","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}},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver-s-rucitelem\/","about":["P\u016fj\u010dky"],"wordCount":548,"articleBody":"Jak je to v&nbsp;p\u0159\u00edpad\u011b ru\u010ditele? Je v\u017edy vy\u017eadov\u00e1n p\u0159i \u017e\u00e1dosti o \u00fav\u011br? Pot\u0159ebujeme jej v\u016fbec n\u011bkdy, nebo se s&nbsp;n\u00edm naopak u\u017e v&nbsp;dne\u0161n\u00edch p\u016fj\u010dk\u00e1ch v\u016fbec nepo\u010d\u00edt\u00e1? P\u016fj\u010dky s&nbsp;ru\u010ditelem jsou je\u0161t\u011b st\u00e1le \u010dasto diskutovateln\u00e9 t\u00e9ma. M\u00edt ru\u010ditele nebo nem\u00edt? U jak vysok\u00e9 \u010d\u00e1stky je to vy\u017eadov\u00e1no a v&nbsp;jak\u00e9m p\u0159\u00edpad\u011b se bez n\u011bj obejdeme? To jsou nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky, kter\u00e9 n\u00e1s napadnou, kdy\u017e se \u0159ekne p\u016fj\u010dka s&nbsp;ru\u010ditelem.P\u016fj\u010dka s&nbsp;ru\u010ditelem je konkr\u00e9tn\u00ed p\u016fj\u010dka, u kter\u00e9 je vy\u017eadov\u00e1no takzvan\u00e9 ru\u010den\u00ed. Ru\u010dit m\u016f\u017eete nemovitost\u00ed, domem, bytem, pozemkem, ale m\u016f\u017ee V\u00e1m ru\u010dit ve smlouv\u011b tak\u00e9 dal\u0161\u00ed, takzvan\u011b t\u0159et\u00ed osoba.P\u016fj\u010dky s&nbsp;ru\u010ditelem sjedn\u00e1vaj\u00ed jak banky, tak i nebankovn\u00ed spole\u010dnosti. Nejsou podm\u00ednkou, mnoh\u00e9 z&nbsp;p\u016fj\u010dek, v\u011bt\u0161inou na men\u0161\u00ed \u010d\u00e1stky, nemus\u00ed b\u00fdt zaji\u0161t\u011bny ru\u010ditelem, ani jin\u00fdm typem ru\u010den\u00ed.\tRu\u010ditel m\u016f\u017ee zlep\u0161it Va\u0161i bonituV&nbsp;p\u0159\u00edpad\u011b p\u016fj\u010dek v\u0161ak plat\u00ed jedno z\u00e1kladn\u00ed pravidlo. Pokud V\u00e1m n\u011bkdo m\u016f\u017ee ru\u010dit, a zajist\u00edte smlouvu ru\u010ditelem, budete m\u00edt u banky nebo i u nebankovn\u00ed spole\u010dnosti lep\u0161\u00ed bonitu, proto\u017ee \u00fav\u011br je zaji\u0161t\u011bn z&nbsp;v\u00edce hledisek, proto m\u016f\u017eete z\u00edskat i lep\u0161\u00ed podm\u00ednky nebo bude z\u00edsk\u00e1n\u00ed p\u016fj\u010dky snadn\u011bj\u0161\u00ed. Nap\u0159\u00edklad, kdy\u017e V\u00e1m v&nbsp;bance necht\u011bj\u00ed p\u016fj\u010dit, proto\u017ee m\u00e1te mal\u00fd p\u0159\u00edjem, s&nbsp;ru\u010ditelem u\u017e m\u016f\u017eete splnit podm\u00ednky a p\u016fj\u010dku z\u00edskat.Ru\u010ditelem m\u016f\u017ee b\u00fdt jak\u00e1koliv osoba. Nem\u016f\u017eete to b\u00fdt samoz\u0159ejm\u011b Vy osobn\u011b, pokud pr\u00e1v\u011b Vy \u017e\u00e1d\u00e1te o p\u016fj\u010dku. Ov\u0161em m\u016f\u017ee to b\u00fdt bl\u00edzk\u00e1 osoba, man\u017eel, man\u017eelka, p\u0159\u00edtel, p\u0159\u00edtelkyn\u011b, n\u011bkdo z&nbsp;rodiny, rodi\u010de, ale i dosp\u011bl\u00e9 d\u011bti, sourozenci, kamar\u00e1di, mnohdy i kolegov\u00e9 \u010di zn\u00e1m\u00ed, zkr\u00e1tka a dob\u0159e kdokoliv, kdo na sebe vezme jak\u00e9si &bdquo;b\u0159\u00edm\u011b&ldquo;, a vstoup\u00ed s&nbsp;V\u00e1mi do smlouvy. Podep\u00ed\u0161e ve\u0161ker\u00e9 n\u00e1le\u017eitosti a n\u00e1le\u017e\u00ed na n\u011bm \u010d\u00e1st povinnost\u00ed, ale to pouze v&nbsp;p\u0159\u00edpad\u011b Va\u0161\u00ed neschopnosti spl\u00e1cet sv\u00e9 z\u00e1vazky. N\u011bkter\u00e9 spole\u010dnosti nemus\u00ed konkr\u00e9tn\u011b man\u017eela nebo man\u017eelku uznat jako dlu\u017en\u00edka, obzvl\u00e1\u0161tn\u011b, pokud m\u00e1te spole\u010dn\u00e9 jm\u011bn\u00ed man\u017eel\u016f. Mus\u00edte tedy hledat jin\u00e9ho ru\u010ditele.Pokud naopak n\u011bkomu ru\u010d\u00edte, rad\u011bji se p\u0159edem ujist\u011bte, zdali je osoba, kter\u00e9 ru\u010d\u00edte, schopna spl\u00e1cet. Pokud by se tak nestalo, p\u0159esunou se jeho dluhy na V\u00e1s, a pr\u00e1v\u011b Vy budete muset platit za n\u011bkoho jeho dluhy, proto\u017ee jste ru\u010ditelem.&nbsp; Pen\u00edze je v\u0161ak mo\u017en\u00e9 po dlu\u017en\u00edkovi vy\u017eadovat zp\u011bt.                                                                                                                                                                                                                                                                                                                                                                                                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