[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.os-onyx.cz\/neni-nebankovni-hypoteka-prilis-rizikova\/#Article","mainEntityOfPage":"https:\/\/www.os-onyx.cz\/neni-nebankovni-hypoteka-prilis-rizikova\/","headline":"Nen\u00ed nebankovn\u00ed hypot\u00e9ka p\u0159\u00edli\u0161 rizikov\u00e1?","name":"Nen\u00ed nebankovn\u00ed hypot\u00e9ka p\u0159\u00edli\u0161 rizikov\u00e1?","description":"Je smutn\u00fdm faktem, \u017ee dnes m\u00e1 naprost\u00e1 v\u011bt\u0161ina dosp\u011bl\u00fdch lid\u00ed n\u011bjakou p\u016fj\u010dku, kterou aktivn\u011b spl\u00e1c\u00ed. … ","datePublished":"2021-01-17","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.os-onyx.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.os-onyx.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"os-onyx.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.os-onyx.cz\/wp-content\/uploads\/pujcka1_10_3.jpg","url":"https:\/\/www.os-onyx.cz\/wp-content\/uploads\/pujcka1_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.os-onyx.cz\/neni-nebankovni-hypoteka-prilis-rizikova\/","about":["Web"],"wordCount":444,"articleBody":"     Je smutn\u00fdm faktem, \u017ee dnes m\u00e1 naprost\u00e1 v\u011bt\u0161ina dosp\u011bl\u00fdch lid\u00ed n\u011bjakou p\u016fj\u010dku, kterou aktivn\u011b spl\u00e1c\u00ed. Pro\u010d ale tyto pen\u00edze pot\u0159ebuj\u00ed? D\u016fvody mohou b\u00fdt dva. Jedn\u00edm z nich je snaha vy\u0159e\u0161it vlastn\u00ed nep\u0159\u00edznivou finan\u010dn\u00ed situaci. Tou druhou je koup\u011b n\u011b\u010deho, na co moment\u00e1ln\u011b nem\u00e1me pen\u00edze.Je jasn\u00e9, \u017ee snaha zlep\u0161it svou situaci pomoc\u00ed p\u016fj\u010dky obvykle nekon\u010d\u00ed dob\u0159e. Snadno se toti\u017e zapom\u00edn\u00e1, \u017ee p\u016fj\u010den\u00e9 pen\u00edze bude t\u0159eba tak\u00e9 splatit. A pokud jde o touhu koupit si n\u011bco, na co moment\u00e1ln\u011b nem\u00e1m, pak je mo\u017en\u00e9 na\u0161et\u0159it.Av\u0161ak bez ohledu na to, jak nerozumn\u00e9 to je, lid\u00e9 si st\u00e1le p\u016fj\u010duj\u00ed. K tomu pom\u00e1haj\u00ed i reklamy, kter\u00e9 neust\u00e1le vid\u00edme v televizi, a kde n\u00e1m ukazuj\u00ed, co v\u0161e si budeme moci dovolit, jen kdy\u017e si p\u016fj\u010d\u00edme. A m\u016f\u017eeme to m\u00edt okam\u017eit\u011b!Nejr\u016fzn\u011bj\u0161\u00ed p\u016fj\u010dky poskytuj\u00ed jak banky, tak i nebankovn\u00ed spole\u010dnosti. A nen\u00ed jich zrovna m\u00e1lo. Jak ji\u017e bylo \u0159e\u010deno, lid\u00e9 si neust\u00e1le p\u016fj\u010duj\u00ed. Jedn\u00e1 se tedy o v\u00fdhodn\u00fd zp\u016fsob podnik\u00e1n\u00ed.Samoz\u0159ejm\u011b nemus\u00ed j\u00edt jen o klasick\u00e9 p\u016fj\u010dov\u00e1n\u00ed pen\u011bz. Nap\u0159\u00edklad v posledn\u00ed dob\u011b za\u017e\u00edvaj\u00ed boom nebankovn\u00ed hypot\u00e9ky, i kdy\u017e ty se st\u00e1le je\u0161t\u011b setk\u00e1vaj\u00ed s ned\u016fv\u011brou. Lid\u00e9 se toti\u017e boj\u00ed p\u016fj\u010dit si od nebankovn\u00edch spole\u010dnost\u00ed.Hlavn\u00ed pod\u00edl na tom maj\u00ed v\u0161echny ty report\u00e1\u017ee, kter\u00e9 ukazuj\u00ed, jak si n\u011bjak\u00e1 chud\u00e1 babi\u010dka p\u016fj\u010dila pen\u00edze, a nakonec p\u0159i\u0161la v exekuci o v\u0161e, co m\u011bla, prakticky v\u010detn\u011b st\u0159echy nad hlavou. Naproti tomu pozitivn\u00edch informac\u00ed p\u0159\u00edli\u0161 nen\u00ed, a pokud ano, nap\u0159\u00edklad v reklam\u00e1ch, prakticky se neli\u0161\u00ed od t\u011bch bankovn\u00edch. Jsou ale skute\u010dn\u011b tak nebezpe\u010dn\u00e9?Pokud si v\u0161e dob\u0159e rozmysl\u00edte, tak nikoliv. Jako v\u0161echny firmy, i tyto mus\u00ed postupovat podle z\u00e1kona. A to znamen\u00e1, \u017ee \u017eadatel mus\u00ed m\u00edt je\u0161t\u011b p\u0159ed podpisem smlouvy mo\u017enost sezn\u00e1mit se s ve\u0161ker\u00fdmi podm\u00ednkami. Sta\u010d\u00ed si tedy podrobn\u011b p\u0159e\u010d\u00edst smlouvu, hlavn\u011b to, jak\u00e9 jsou zde poplatky.D\u00e1le pak je t\u0159eba se ujistit, \u017ee skute\u010dn\u011b budete moci spl\u00e1cet, a to i v p\u0159\u00edpad\u011b ztr\u00e1ty zam\u011bstn\u00e1n\u00ed \u010di dlouhodob\u00e9 nemoci. Pak se nem\u00e1te \u010deho b\u00e1t.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed nebankovn\u00ed hypot\u00e9ka p\u0159\u00edli\u0161 rizikov\u00e1?","item":"https:\/\/www.os-onyx.cz\/neni-nebankovni-hypoteka-prilis-rizikova\/#breadcrumbitem"}]}]