[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.msbi.cz\/splnte-si-sve-sny\/#Article","mainEntityOfPage":"https:\/\/www.msbi.cz\/splnte-si-sve-sny\/","headline":"Spl\u0148te si sv\u00e9 sny","name":"Spl\u0148te si sv\u00e9 sny","description":"V dne\u0161n\u00ed dob\u011b se v\u0161e velmi prov\u011b\u0159uje, zva\u017euje, v\u0161e mus\u00edte dokl\u00e1dat mnoha dokumenty a ve fin\u00e1le z toho vlastn\u011b […]","datePublished":"2021-12-16","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.msbi.cz\/author\/#Person","name":"","url":"https:\/\/www.msbi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/86b519ae28c05e7834416117bec12e679aa78b8940db1f26d4a52ad5648f8c3a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"msbi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.msbi.cz\/wp-content\/uploads\/money-g6f0d3b01c_640.png","url":"https:\/\/www.msbi.cz\/wp-content\/uploads\/money-g6f0d3b01c_640.png","height":0,"width":0},"url":"https:\/\/www.msbi.cz\/splnte-si-sve-sny\/","about":["Finance"],"wordCount":424,"articleBody":"      V dne\u0161n\u00ed dob\u011b se v\u0161e velmi prov\u011b\u0159uje, zva\u017euje, v\u0161e mus\u00edte dokl\u00e1dat mnoha dokumenty a ve fin\u00e1le z toho vlastn\u011b ani nemus\u00ed nic vzej\u00edt a investovan\u00fd \u010das je tatam. Jste v podobn\u00e9 situaci? Cht\u011bli jste si p\u016fj\u010dit pen\u00edze na podnik\u00e1n\u00ed nebo jin\u00e9 aktivity, ale dle banky nejste dostate\u010dn\u011b bonitn\u00ed klient nebo by v\u00e1m p\u016fj\u010dila jen zlomek \u010d\u00e1stky, kterou pot\u0159ebujete?Takov\u00e9 situace jsou v\u017edy nejen nep\u0159\u00edjemn\u00e9, ale p\u0159edev\u0161\u00edm slo\u017eit\u00e9. Pokud se pl\u00e1n zasekne na pen\u011bz\u00edch a nev\u00edte kudy d\u00e1l, mo\u017en\u00e1 m\u016f\u017ee pomoci americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. Sta\u010d\u00ed podat online \u017e\u00e1dost, kter\u00e1 bude v kr\u00e1tk\u00e9 lh\u016ft\u011b vy\u0159\u00edzena a m\u016f\u017ee b\u00fdt hotovo. Ov\u0161em samoz\u0159ejm\u011b v\u0161echno m\u00e1 sv\u00e1 pravidla, a ani tento typ \u00fav\u011bru nen\u00ed v\u00fdjimkou. Dne\u0161n\u00ed z\u00e1konn\u00e9 podm\u00ednky ukl\u00e1daj\u00ed poskytovateli \u00fav\u011bru nebo hypot\u00e9ky povinnost zjistit schopnost spl\u00e1cen\u00ed klienta – a tedy nejedn\u00e1 se o to, \u017ee byste nemuseli dolo\u017eit v\u016fbec nic. Ov\u0161em jsou zde cesty, jak pomoci i klient\u016fm, kte\u0159\u00ed jsou pro banky neatraktivn\u00ed pr\u00e1v\u011b kv\u016fli n\u00edzk\u00fdm p\u0159\u00edjm\u016fm.M\u016f\u017eete toti\u017e vyu\u017e\u00edt mo\u017enosti takzvan\u00e9ho spoludlu\u017en\u00edka – a tedy nap\u0159\u00edklad man\u017eel nebo n\u011bkdo z p\u0159\u00edbuzn\u00fdch \u010di p\u0159\u00e1tel mohou vstoupit do \u00fav\u011bru s v\u00e1mi, a tedy p\u0159\u00edjem bude dostate\u010dn\u00fd ke spl\u00e1cen\u00ed, a pen\u00edze dostanete. Nav\u00edc pokud se jedn\u00e1 o hypot\u00e9ku pro podnikatele, podm\u00ednkou jsou je\u0161t\u011b o n\u011bco m\u00edrn\u011bj\u0161\u00ed, ne\u017e v p\u0159\u00edpad\u011b p\u016fj\u010den\u00ed pen\u011bz na rekonstrukce, bydlen\u00ed \u010di obdobn\u00e9 odv\u011btv\u00ed. V p\u0159\u00edpad\u011b, \u017ee budete \u017e\u00e1dat jako podnikatel je ov\u0161em pot\u0159eba se prok\u00e1zat, \u017ee m\u00e1te \u017eivnost skute\u010dn\u011b aktivn\u00ed, a tedy skute\u010dn\u011b podnik\u00e1te. Lze to dolo\u017eit mimo jin\u00e9 i da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm \u010di fakturami. A co kdy\u017e je\u0161t\u011b nepodnik\u00e1te, a pen\u00edze pot\u0159ebujete pr\u00e1v\u011b na rozjezd? V takov\u00e9m p\u0159\u00edpad\u011b se \u0159e\u0161\u00ed popis podnikatelsk\u00e9ho z\u00e1m\u011bru, na co\u017e budete pot\u0159ebovat pen\u00edze z \u00fav\u011bru. Mo\u017enosti existuj\u00ed i v p\u0159\u00edpad\u011b, \u017ee jste v b\u011b\u017en\u00e9 bance nepochodili. Nebu\u010fte tedy hned zklaman\u00ed a zkuste naj\u00edt tu spr\u00e1vnou cesti\u010dku ke sv\u00e9mu vysn\u011bn\u00e9mu c\u00edli.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spl\u0148te si sv\u00e9 sny","item":"https:\/\/www.msbi.cz\/splnte-si-sve-sny\/#breadcrumbitem"}]}]