[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pdmc.cz\/jaka-pujcka-je-ta-nejvyhodnejsi-a-je-vyhodne-pujcit-si-se-zastavou-nemovitosti-co-mluvi-pro-a-co-proti\/#Article","mainEntityOfPage":"https:\/\/www.pdmc.cz\/jaka-pujcka-je-ta-nejvyhodnejsi-a-je-vyhodne-pujcit-si-se-zastavou-nemovitosti-co-mluvi-pro-a-co-proti\/","headline":"Jak\u00e1 p\u016fj\u010dka je ta nejv\u00fdhodn\u011bj\u0161\u00ed a je v\u00fdhodn\u00e9 p\u016fj\u010dit si se z\u00e1stavou nemovitosti? Co mluv\u00ed pro a co proti?","name":"Jak\u00e1 p\u016fj\u010dka je ta nejv\u00fdhodn\u011bj\u0161\u00ed a je v\u00fdhodn\u00e9 p\u016fj\u010dit si se z\u00e1stavou nemovitosti? Co mluv\u00ed pro a co proti?","description":"Stoj\u00edte p\u0159ed d\u016fle\u017eit\u00fdm rozhodnut\u00edm? Pot\u0159ebujete pen\u00edze, ale nev\u00edte, kde si p\u016fj\u010dit a jak\u00e9 podm\u00ednky pro v\u00e1s budou ty nejlep\u0161\u00ed? A jak\u00e9 jsou mo\u017enosti? Jak\u00e1 p\u016fj\u010dka je ta nejv\u00fdhodn\u011bj\u0161\u00ed a je v\u00fdhodn\u00e9 p\u016fj\u010dit si se z\u00e1stavou nemovitosti? Co mluv\u00ed pro a co proti? Kdy\u017e…","datePublished":"2021-12-11","dateModified":"2021-12-11","author":{"@type":"Person","@id":"https:\/\/www.pdmc.cz\/author\/#Person","name":"","url":"https:\/\/www.pdmc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pdmc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pdmc.cz\/wp-content\/uploads\/pexels-photo-4968639.jpeg","url":"https:\/\/www.pdmc.cz\/wp-content\/uploads\/pexels-photo-4968639.jpeg","height":0,"width":0},"url":"https:\/\/www.pdmc.cz\/jaka-pujcka-je-ta-nejvyhodnejsi-a-je-vyhodne-pujcit-si-se-zastavou-nemovitosti-co-mluvi-pro-a-co-proti\/","about":["Pen\u00edze"],"wordCount":622,"articleBody":"   Stoj\u00edte p\u0159ed d\u016fle\u017eit\u00fdm rozhodnut\u00edm? Pot\u0159ebujete pen\u00edze, ale nev\u00edte, kde si p\u016fj\u010dit a jak\u00e9 podm\u00ednky pro v\u00e1s budou ty nejlep\u0161\u00ed? A jak\u00e9 jsou mo\u017enosti? Jak\u00e1 p\u016fj\u010dka je ta nejv\u00fdhodn\u011bj\u0161\u00ed a je v\u00fdhodn\u00e9 p\u016fj\u010dit si se z\u00e1stavou nemovitosti? Co mluv\u00ed pro a co proti? Kdy\u017e chcete p\u016fj\u010dit pen\u00edze, m\u00e1te samoz\u0159ejm\u011b v\u00edce mo\u017enost\u00ed. Za\u017e\u00e1dat o p\u016fj\u010dku m\u016f\u017eete v bance ale i u nebankovn\u00edch spole\u010dnost\u00ed a samoz\u0159ejm\u011b m\u016f\u017eete zva\u017eovat i v\u00edce produkt\u016f, podle toho, co pro v\u00e1s bude v dan\u00e9 situaci nejv\u00fdhodn\u011bj\u0161\u00ed. N\u011bkdy nen\u00ed snadn\u00e9 se k p\u016fj\u010dce v\u016fbec dostat, \u017e\u00e1dost obvykle obn\u00e1\u0161\u00ed \u0159adu pap\u00edrov\u00e1n\u00ed, dokazov\u00e1n\u00ed a u toho to m\u016f\u017ee pro \u0159adu lid\u00ed tak\u00e9 skon\u010dit. Jin\u00e9 je to v p\u0159\u00edpad\u011b, pokud se rozhodnete pro p\u016fj\u010dku se z\u00e1stavou nemovitosti. Jak\u00e9 jsou v tomto p\u0159\u00edpad\u011b v\u00fdhody, kter\u00e9 v\u00e1s p\u0159esv\u011bd\u010d\u00ed a co m\u016f\u017ee b\u00fdt zna\u010dn\u011b nev\u00fdhodn\u00e9? V\u00fdhody p\u016fj\u010dky se z\u00e1stavou, jak\u00e9 to jsou? P\u016fj\u010dku se z\u00e1stavou nemovitosti nab\u00edzej\u00ed jednak banky a jednak nebankovn\u00ed spole\u010dnosti, tak\u017ee je mo\u017enost v\u00fdb\u011bru, kam zaj\u00edt. V \u00favahu m\u016f\u017eete vz\u00edt v\u00fdhodn\u011bj\u0161\u00ed \u00farok, je t\u0159eba porovnat v\u00edce mo\u017enost\u00ed. Sice se v tomto p\u0159\u00edpad\u011b pozd\u011bji vyhnete slo\u017eit\u00e9mu procesu, jako tomu b\u00fdv\u00e1 u jin\u00e9ho b\u011b\u017en\u00e9ho \u00fav\u011bru, nen\u00ed tedy nutn\u00e9 dokl\u00e1dat p\u0159\u00edjmy od zam\u011bstnavatele nebo v p\u0159\u00edpad\u011b p\u016fj\u010dky pro podnikatele da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, ale i zastaven\u00e1 nemovitost mus\u00ed spl\u0148ovat jist\u00e9 podm\u00ednky. Schv\u00e1len\u00ed p\u016fj\u010dky i poskytnut\u00ed financ\u00ed je tak mnohem rychlej\u0161\u00ed. Nebankovn\u00ed p\u016fj\u010dka se z\u00e1stavou nemovitosti se d\u00e1 z\u00edskat snadno, p\u016fj\u010dka se schv\u00e1l\u00ed i v p\u0159\u00edpad\u011b, \u017ee \u017eadatel ji\u017e dlu\u017e\u00ed, m\u00e1 z\u00e1znam v registru dlu\u017en\u00edk\u016f, nikdo v\u00e1s toti\u017e nebude zkoumat, i kdy\u017e jsou p\u0159\u00edjmy n\u00edzk\u00e9. P\u016fj\u010dit si tak\u00e9 m\u016f\u017eete vy\u0161\u0161\u00ed finan\u010dn\u00ed obnos a p\u016fj\u010dky se z\u00e1stavou nemovitosti nem\u00edvaj\u00ed \u017e\u00e1dn\u00e9 skryt\u00e9 poplatky, nemus\u00edte platit nav\u00edc nic, kdy\u017e nap\u0159\u00edklad budete schopni splatit svou p\u016fj\u010dku d\u0159\u00edve, ne\u017e bylo ve smlouv\u011b dohodnuto. A jakou nemovitost m\u016f\u017eete d\u00e1t do z\u00e1stavy? M\u016f\u017ee to b\u00fdt va\u0161e st\u00e1vaj\u00edc\u00ed nemovitost v osobn\u00edm vlastnictv\u00ed, ale ru\u010dit se d\u00e1 i nov\u011b kupovanou nemovitost\u00ed, pop\u0159\u00edpad\u011b pak nemovitost\u00ed, kterou vlastn\u00ed t\u0159et\u00ed osoba, co\u017e nab\u00edzej\u00ed zejm\u00e9na nebankovn\u00ed spole\u010dnosti jako jednu z mo\u017enost\u00ed. A jsou n\u011bjak\u00e9 nev\u00fdhody? Jak v\u0161ichni v\u00edme, ka\u017ed\u00e1 mince m\u00e1 v\u017edy dv\u011b strany. V p\u0159\u00edpad\u011b, \u017ee se \u00fav\u011br pozd\u011bji nespl\u00e1c\u00ed, hroz\u00ed a\u017e \u00fapln\u00e1 ztr\u00e1ta dan\u00e9 nemovitosti, jeliko\u017e je st\u00e1le v z\u00e1stav\u011b u spole\u010dnosti, kde si p\u016fj\u010dujete. Pokud si pak po \u010dasu budete cht\u00edt dal\u0161\u00ed \u00fav\u011br, u\u017e m\u016f\u017eete m\u00edt tak\u00e9 probl\u00e9m s jeho schv\u00e1len\u00edm, kdy\u017e budete m\u00edt \u00fav\u011br se z\u00e1stavou. No a v neposledn\u00ed \u0159ad\u011b se ka\u017ed\u00e1 nemovitost mus\u00ed schv\u00e1lit jako vhodn\u00e1 pro z\u00e1stavu, co\u017e tak\u00e9 ne v\u017edy \u00fapln\u011b vyjde. Nemovitost nap\u0159\u00edklad mus\u00ed b\u00fdt v katastru nemovitost\u00ed a nesm\u00ed na n\u00ed b\u00fdt v\u011bcn\u00e9 b\u0159emeno. P\u016fj\u010dka se z\u00e1stavou se ale i p\u0159es v\u0161echno m\u016f\u017ee jevit jako velice v\u00fdhodn\u00e1.                                                                                                                                                                                                                                                                                                                                                                                           5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 p\u016fj\u010dka je ta nejv\u00fdhodn\u011bj\u0161\u00ed a je v\u00fdhodn\u00e9 p\u016fj\u010dit si se z\u00e1stavou nemovitosti? Co mluv\u00ed pro a co proti?","item":"https:\/\/www.pdmc.cz\/jaka-pujcka-je-ta-nejvyhodnejsi-a-je-vyhodne-pujcit-si-se-zastavou-nemovitosti-co-mluvi-pro-a-co-proti\/#breadcrumbitem"}]}]