[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.strabis.cz\/svet-financi-kde-kazdy-problem-ma-i-reseni\/#Article","mainEntityOfPage":"https:\/\/www.strabis.cz\/svet-financi-kde-kazdy-problem-ma-i-reseni\/","headline":"Sv\u011bt financ\u00ed, kde ka\u017ed\u00fd probl\u00e9m m\u00e1 i \u0159e\u0161en\u00ed","name":"Sv\u011bt financ\u00ed, kde ka\u017ed\u00fd probl\u00e9m m\u00e1 i \u0159e\u0161en\u00ed","description":"Co je to vlastn\u011b st\u0159edn\u00ed t\u0159\u00edda? Lid\u00e9, kte\u0159\u00ed maj\u00ed d\u016fm, ale nemaj\u00ed vilu, maj\u00ed automobil, ale nemaj\u00ed trysk\u00e1\u010d, naj\u00ed se v restauraci, ale ne v t\u00e9 luxusn\u00ed, nos\u00ed zna\u010dkov\u00e9 oble\u010den\u00ed, ale nemohou si dovolit zna\u010dky p\u0159edn\u00edch m\u00f3dn\u00edch n\u00e1vrh\u00e1\u0159\u016f. Tito lid\u00e9 \u017eij\u00ed tak n\u011bkde ve st\u0159edu. Nemaj\u00ed se \u0161patn\u011b, ale ne\u017eij\u00ed v luxusu. A pr\u00e1v\u011b u […]","datePublished":"2022-06-18","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.strabis.cz\/author\/#Person","name":"strabis.cz\n","url":"https:\/\/www.strabis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"strabis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.strabis.cz\/wp-content\/uploads\/analytics-3291738_640.jpg","url":"https:\/\/www.strabis.cz\/wp-content\/uploads\/analytics-3291738_640.jpg","height":0,"width":0},"url":"https:\/\/www.strabis.cz\/svet-financi-kde-kazdy-problem-ma-i-reseni\/","about":["Finance"],"wordCount":428,"articleBody":"       Co je to vlastn\u011b st\u0159edn\u00ed t\u0159\u00edda? Lid\u00e9, kte\u0159\u00ed maj\u00ed d\u016fm, ale nemaj\u00ed vilu, maj\u00ed automobil, ale nemaj\u00ed trysk\u00e1\u010d, naj\u00ed se v restauraci, ale ne v t\u00e9 luxusn\u00ed, nos\u00ed zna\u010dkov\u00e9 oble\u010den\u00ed, ale nemohou si dovolit zna\u010dky p\u0159edn\u00edch m\u00f3dn\u00edch n\u00e1vrh\u00e1\u0159\u016f. Tito lid\u00e9 \u017eij\u00ed tak n\u011bkde ve st\u0159edu. Nemaj\u00ed se \u0161patn\u011b, ale ne\u017eij\u00ed v luxusu. A pr\u00e1v\u011b u nich hroz\u00ed, \u017ee se ze st\u0159edu propadnou dol\u016f, kde nebudou m\u00edt kde bydlet, co j\u00edst, ani co na sebe. M\u016f\u017ee se to zd\u00e1t bl\u00e1zniv\u00e9, jenom\u017ee nen\u00ed. Tito lid\u00e9 maj\u00ed obvykle nemovitost zat\u00ed\u017eenou hypot\u00e9kou, automobil na leasing, a p\u0159i finan\u010dn\u00ed krizi musej\u00ed br\u00e1t ze sv\u00fdch \u00faspor. Ne\u010dekan\u00e9 \u017eivotn\u00ed ud\u00e1losti pak rovn\u011b\u017e plat\u00ed z \u00faspor, a jakmile \u00faspory zmiz\u00ed, jejich pohodln\u00fd \u017eivot se za\u010dne rozpadat.Prvn\u00edm probl\u00e9mem jsou vysok\u00e9 spl\u00e1tky.Vysok\u00e9 spl\u00e1tky hypot\u00e9ky, \u00fav\u011br\u016f, a dal\u0161\u00edch, se za\u010dnou prom\u00edtat do jejich \u017eivota \u010d\u00edm d\u00e1l \u010dast\u011bji, a stanou se velk\u00fdm, a z\u0159eteln\u00fdm probl\u00e9mem. Ka\u017ed\u00fd probl\u00e9m v\u0161ak m\u00e1 \u0159e\u0161en\u00ed, a v tomto p\u0159\u00edpad\u011b lze mluvit o konsolidaci, \u010di refinancov\u00e1n\u00ed nev\u00fdhodn\u00fdch \u00fav\u011br\u016f. K tomu je pot\u0159eba hypot\u00e9ka. Probl\u00e9mem v\u0161ak je, \u017ee pot\u0159ebn\u00e1 v\u00fd\u0161e p\u0159\u00edjm\u016f pro novou hypot\u00e9ku se zm\u011bnila natolik, \u017ee u\u017e na ni zkr\u00e1tka mnohdy nedos\u00e1hne ani st\u0159edn\u00ed t\u0159\u00edda. Mo\u017enost\u00ed je pak tedy nebankovn\u00ed hypot\u00e9ka.Kdy\u017e to v bance nejde, mus\u00ed to j\u00edt jinde.Nebankovn\u00ed spole\u010dnosti v\u011bt\u0161inou klient\u016fm v tomto p\u0159\u00edpad\u011b nab\u00edzej\u00ed \u00fav\u011br zvan\u00fd americk\u00e1 hypot\u00e9ka. Jedn\u00e1 se o bez\u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd mnoz\u00ed vyu\u017e\u00edvaj\u00ed jako \u0159e\u0161en\u00ed hroz\u00edc\u00ed exekuce, k refinancov\u00e1n\u00ed nev\u00fdhodn\u00fdch p\u016fj\u010dek, \u010di \u0159e\u0161en\u00ed dal\u0161\u00edch pohled\u00e1vek. D\u011bl\u00ed se na spot\u0159ebitelsk\u00fd, a podnikatelsk\u00fd \u00fav\u011br. Podnikatelsk\u00fd \u00fav\u011br v podob\u011b americk\u00e9 hypot\u00e9ky pak lze z\u00edskat bez slo\u017eit\u00e9ho dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f, \u010di bez registru. U spot\u0159ebitelsk\u00e9ho pak mus\u00edte p\u0159\u00edjmy a v\u00fddaje dokl\u00e1dat, av\u0161ak s t\u00edm, \u017ee n\u00edzk\u00e9 p\u0159\u00edjmy hned nemus\u00ed znamenat odm\u00edtnut\u00ed, ale pouze hled\u00e1n\u00ed nejv\u00fdhodn\u011bj\u0161\u00edho \u0159e\u0161en\u00ed va\u0161\u00ed situace. Nepodepisujete \u017e\u00e1dnou nesrozumitelnou dohodu, ale jasn\u011b stanoven\u00e9 podm\u00ednky, na kter\u00fdch se p\u0159edem domluv\u00edte s \u00fav\u011brov\u00fdm specialistou.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sv\u011bt financ\u00ed, kde ka\u017ed\u00fd probl\u00e9m m\u00e1 i \u0159e\u0161en\u00ed","item":"https:\/\/www.strabis.cz\/svet-financi-kde-kazdy-problem-ma-i-reseni\/#breadcrumbitem"}]}]