{"id":372,"date":"2019-09-04T10:47:55","date_gmt":"2019-09-04T08:47:55","guid":{"rendered":"https:\/\/cz-stavby.cz\/?p=372"},"modified":"2020-10-15T09:30:07","modified_gmt":"2020-10-15T07:30:07","slug":"nechybujte-ve-volbe-pujcky","status":"publish","type":"post","link":"https:\/\/cz-stavby.cz\/?p=372","title":{"rendered":"Nechybujte ve volb\u011b p\u016fj\u010dky"},"content":{"rendered":"\n

Pokud neopl\u00fdv\u00e1te zrovna bohat\u00fdmi zku\u0161enostmi, mo\u017en\u00e1 se bl\u00e1hov\u011b domn\u00edv\u00e1te, \u017ee na v\u00fdb\u011bru p\u016fj\u010dky zase a\u017e tak moc nesejde. Jist\u011b, n\u011bkde cht\u011bj\u00ed men\u0161\u00ed a n\u011bkde v\u011bt\u0161\u00ed procenta, jen\u017ee takov\u00e9 procento, to je p\u0159ece jenom pouh\u00e1 setinka a ta je skoro jako nic.<\/em><\/p>\n\n\n\n

Ov\u0161em to je m\u00fdlka. A nejde jenom o pouh\u00e1 procenta, je\u017e d\u011bl\u00ed p\u016fj\u010dky na v\u00fdhodn\u00e9 a nev\u00fdhodn\u00e9.<\/em><\/p>\n\n\n\n

P\u016fj\u010dky se toti\u017e li\u0161\u00ed i v jin\u00fdch ohledech.<\/em><\/p>\n\n\n\n

  1. N\u011bkter\u00e9 vy\u017eaduj\u00ed nap\u0159\u00edklad jenom placen\u00ed zm\u00edn\u011bn\u00fdch procent, ov\u0161em u jin\u00fdch k tomu nav\u00edc p\u0159ib\u00fdvaj\u00ed tu zjevn\u00e9 a tu t\u0159eba i skryt\u00e9 poplatky. A ty dok\u00e1\u017eou s t\u00edm, co \u010dlov\u011bk nakonec zaplat\u00ed, hodn\u011b zam\u00e1vat.<\/em><\/li>
  2. Zrovna tak m\u016f\u017ee sehr\u00e1t roli i doba spl\u00e1cen\u00ed, je\u017e v\u00fdslednou cenu ovliv\u0148uje. V re\u00e1lu nen\u00ed v\u016fbec vtipn\u00fd t\u0159eba ten vtip o blond\u00fdn\u011b, je\u017e se chlub\u00ed man\u017eelovi, \u017ee sehnala ko\u017eich za n\u00edzk\u00e9 spl\u00e1tky, jenom se zapomn\u011bla zeptat, kolik \u017ee t\u011bch spl\u00e1tek vlastn\u011b celkem bude.<\/em><\/li>
  3. U dal\u0161\u00edch p\u016fj\u010dek je zase t\u0159eba m\u00edt se na pozoru p\u0159ed neblaze proslul\u00fdm textem psan\u00fdm drobn\u00fdm p\u00edsmem nebo p\u0159ed slo\u017eit\u00fdmi pr\u00e1vnick\u00fdmi formulacemi a dodatky ke smlouv\u011b. Sta\u010d\u00ed \u0161petka nepochopen\u00ed a je zle.<\/em><\/li><\/ol>\n\n\n\n
    \"\"<\/figure><\/div>\n\n\n\n

    A hodn\u011b d\u016fle\u017eit\u00e9 je vlastn\u011b i to, zda a nakolik je ta kter\u00e1 p\u016fj\u010dka dostupn\u00e1. N\u011bkde se toti\u017e po uchaze\u010di po\u017eaduj\u00ed cel\u00e9 stohy r\u016fzn\u00fdch lejster, potvrzen\u00ed, v\u00fdpis\u016f a podobn\u011b, a kdy\u017e si to \u010dlov\u011bk sv\u011bdomit\u011b vyb\u011bh\u00e1, ozn\u00e1m\u00ed mu, \u017ee m\u00e1 bohu\u017eel sm\u016flu. T\u0159eba neprok\u00e1zal dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy nebo dost kvalitn\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, t\u0159eba m\u00e1 p\u0159\u00edli\u0161 velk\u00e9 dluhy, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f a tak, a n\u011bkomu podobn\u00e9mu nep\u016fj\u010duj\u00ed. A oproti tomu jsou tu i <\/em>americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f<\/em><\/strong><\/a> \u010di<\/em> nebankovn\u00ed hypot\u00e9ka bez registru,<\/em><\/strong> <\/em><\/strong>u nich\u017e se t\u00edm p\u0159ed chv\u00edl\u00ed zm\u00edn\u011bn\u00fdm moc nezaob\u00edraj\u00ed a klidn\u011b to nahrazuj\u00ed nezbytnost\u00ed d\u00e1t do z\u00e1stavy nemovitost, za ni\u017e \u010dlov\u011bk dostane bez mrknut\u00ed oka t\u0159eba a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny na t\u0159eba a\u017e t\u0159icet let a za optim\u00e1ln\u00edch podm\u00ednek.<\/em><\/p>\n\n\n\n

    Prost\u011b jsou takov\u00e9 p\u016fj\u010dky u\u010din\u011bn\u00e1 v\u011bda. A ten, kdo s\u00e1z\u00ed na nebankovn\u00ed hypot\u00e9ky, nechybuje.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    Pokud neopl\u00fdv\u00e1te zrovna bohat\u00fdmi zku\u0161enostmi, mo\u017en\u00e1 se bl\u00e1hov\u011b domn\u00edv\u00e1te, \u017ee na v\u00fdb\u011bru p\u016fj\u010dky zase a\u017e tak moc nesejde. Jist\u011b, n\u011bkde cht\u011bj\u00ed men\u0161\u00ed a n\u011bkde v\u011bt\u0161\u00ed procenta, jen\u017ee takov\u00e9 procento, to je p\u0159ece jenom pouh\u00e1 setinka a ta je skoro jako nic. Ov\u0161em to je m\u00fdlka. A nejde jenom o pouh\u00e1 procenta, je\u017e d\u011bl\u00ed p\u016fj\u010dky na […]<\/p>\n","protected":false},"author":3,"featured_media":374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-372","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"_links":{"self":[{"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=372"}],"version-history":[{"count":0,"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=\/wp\/v2\/posts\/372\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=\/wp\/v2\/media\/374"}],"wp:attachment":[{"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cz-stavby.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}