[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.portimex.cz\/nizka-bonita-na-takove-potize-muzete-zapomenout\/#Article","mainEntityOfPage":"https:\/\/www.portimex.cz\/nizka-bonita-na-takove-potize-muzete-zapomenout\/","headline":"N\u00edzk\u00e1 bonita? Na takov\u00e9 pot\u00ed\u017ee m\u016f\u017eete zapomenout","name":"N\u00edzk\u00e1 bonita? Na takov\u00e9 pot\u00ed\u017ee m\u016f\u017eete zapomenout","description":"Mo\u017en\u00e1 pr\u00e1v\u011b vy p\u00e1tr\u00e1te po v\u00fdhodn\u00e9 hypot\u00e9ce, kter\u00e1 by vy\u0159e\u0161ila va\u0161e pot\u00ed\u017ee s pen\u011bzi. T\u0159eba proto, \u017ee pot\u0159ebujete stav\u011bt, rekonstruovat byt anebo jinak bydlet a \u017e\u00e1dn\u00e1 banka v\u00e1m v t\u00e9to nal\u00e9hav\u00e9 situaci nen\u00ed ochotna vyj\u00edt vst\u0159\u00edc. T\u0159eba z d\u016fvodu ni\u017e\u0161\u00ed bonity.V p\u0159\u00edpad\u011b odm\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br se banky r\u00e1dy zakl\u00ednaj\u00ed n\u00edzkou bonitou \u017eadatel\u016f. Co ov\u0161em […]","datePublished":"2019-09-18","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.portimex.cz\/author\/#Person","name":"","url":"https:\/\/www.portimex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"portimex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.portimex.cz\/wp-content\/uploads\/img_a346533_w1735_t1560856793.jpg","url":"https:\/\/www.portimex.cz\/wp-content\/uploads\/img_a346533_w1735_t1560856793.jpg","height":0,"width":0},"url":"https:\/\/www.portimex.cz\/nizka-bonita-na-takove-potize-muzete-zapomenout\/","about":["Online"],"wordCount":446,"articleBody":"     Mo\u017en\u00e1 pr\u00e1v\u011b vy p\u00e1tr\u00e1te po v\u00fdhodn\u00e9 hypot\u00e9ce, kter\u00e1 by vy\u0159e\u0161ila va\u0161e pot\u00ed\u017ee s pen\u011bzi. T\u0159eba proto, \u017ee pot\u0159ebujete stav\u011bt, rekonstruovat byt anebo jinak bydlet a \u017e\u00e1dn\u00e1 banka v\u00e1m v t\u00e9to nal\u00e9hav\u00e9 situaci nen\u00ed ochotna vyj\u00edt vst\u0159\u00edc. T\u0159eba z d\u016fvodu ni\u017e\u0161\u00ed bonity.V p\u0159\u00edpad\u011b odm\u00edtnut\u00ed \u017e\u00e1dosti o \u00fav\u011br se banky r\u00e1dy zakl\u00ednaj\u00ed n\u00edzkou bonitou \u017eadatel\u016f. Co ov\u0161em ve skute\u010dnosti takov\u00e1 formulace znamen\u00e1? Bonita hovo\u0159\u00ed o tom, zda budete sv\u016fj po\u017eadovan\u00fd \u00fav\u011br schopni spl\u00e1cet \u010di nikoli. Tak\u017ee pokud v\u00e1m n\u011bkdo sd\u011bl\u00ed, \u017ee va\u0161e bonita je n\u00edzk\u00e1, d\u00e1v\u00e1 v\u00e1m t\u00edm najevo, \u017ee na po\u017eadovan\u00fd \u00fav\u011br m\u016f\u017eete zapomenout. Ve v\u00fdpo\u010dtu takov\u00e9 bonity hraje roli hned n\u011bkolik faktor\u016f. Ten nejd\u016fle\u017eit\u011bj\u0161\u00ed ze v\u0161ech je v\u00e1\u0161 p\u0159\u00edjem. Pr\u00e1v\u011b na v\u00fd\u0161i va\u0161eho p\u0159\u00edjmu z\u00e1le\u017e\u00ed, zda v\u00e1m po ode\u010dten\u00ed nezbytn\u00fdch v\u00fddaj\u016f z\u016fstane dost pen\u011bz na spl\u00e1cen\u00ed \u00fav\u011bru, pochopiteln\u011b i s \u00faroky. V tom je ov\u0161em ten probl\u00e9m \u2013 banky uzn\u00e1vaj\u00ed jen n\u011bkter\u00e9 druhy p\u0159\u00edjm\u016f, jin\u00e9 v\u00fdrazn\u011b sni\u017euj\u00ed, a n\u011bkter\u00e9 neuzn\u00e1vaj\u00ed v\u016fbec. Naopak pokud jde o pravideln\u00e9 v\u00fddaje, tak ty ka\u017ed\u00e1 banka v\u00fdrazn\u011b nafoukne. Tak\u017ee v\u00fdsledek je ji\u017e p\u0159edem jasn\u00fd \u2013 d\u00edky takov\u00e9mu p\u0159\u00edstupu m\u00e1 skoro ka\u017ed\u00fd \u017eadatel n\u00edzkou bonitu a na \u017e\u00e1dnou p\u016fj\u010dku nedos\u00e1hne. T\u00edm sp\u00ed\u0161e, \u017ee se podm\u00ednky poskytov\u00e1n\u00ed p\u016fj\u010dek neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed, tak\u017ee i ti, kte\u0159\u00ed na p\u016fj\u010dku bez pot\u00ed\u017e\u00ed dos\u00e1hli je\u0161t\u011b p\u0159ed n\u011bkolika lety, by nyn\u00ed m\u011bli sm\u016flu. Pokud je v\u00e1m ji\u017e p\u0159edem jasn\u00e9, \u017ee by v\u00e1s takov\u00e9 pot\u00ed\u017ee s bonitou postihly tak\u00e9 a nechcete zbyte\u010dn\u011b ztr\u00e1cet \u010das \u010dek\u00e1n\u00edm a n\u00e1sledn\u00fdm zklam\u00e1n\u00edm, tak nev\u00e1hejte a rad\u011bji pro \u00fav\u011br zami\u0159te do nebankovn\u00ed spole\u010dnosti. Zde m\u016f\u017eete bez pot\u00ed\u017e\u00ed z\u00edskat hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu. Sv\u016fj p\u0159\u00edjem budete muset dolo\u017eit v ka\u017ed\u00e9m p\u0159\u00edpad\u011b, nicm\u00e9n\u011b podm\u00ednky jeho posouzen\u00ed nejsou tak p\u0159\u00edsn\u00e9, a p\u0159edev\u0161\u00edm vych\u00e1zej\u00ed ze skute\u010dnosti, a ne z teoretick\u00fdch a zkreslen\u00fdch \u00fadaj\u016f. A pr\u00e1v\u011b individu\u00e1ln\u00ed p\u0159\u00edstup je to, co na nebankovn\u00edch spole\u010dnostech \u017eadatel\u00e9 oce\u0148uj\u00ed nejv\u00edce.                                                                                                                                                                                                                                                                                                                                                                                         4\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00edzk\u00e1 bonita? Na takov\u00e9 pot\u00ed\u017ee m\u016f\u017eete zapomenout","item":"https:\/\/www.portimex.cz\/nizka-bonita-na-takove-potize-muzete-zapomenout\/#breadcrumbitem"}]}]