[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.freezart.cz\/ruceni-za-uver\/#Article","mainEntityOfPage":"https:\/\/www.freezart.cz\/ruceni-za-uver\/","headline":"Ru\u010den\u00ed za \u00fav\u011br","name":"Ru\u010den\u00ed za \u00fav\u011br","description":"V p\u0159\u00edpadech, kdy pot\u0159ebujeme vy\u0161\u0161\u00ed finan\u010dn\u00ed \u010d\u00e1stku na po\u0159\u00edzen\u00ed osobn\u00edho automobilu, na rozjezd podnik\u00e1n\u00ed, na rekonstrukci bytu \u010di domu nebo na vybaven\u00ed dom\u00e1cnosti, je jedn\u00edm z \u0159e\u0161en\u00ed \u010derp\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f na \u00fav\u011br. V\u011bt\u0161ina lid\u00ed \u017e\u00e1d\u00e1 o \u00fav\u011br v bance, ta posoud\u00ed bonitu klienta a jestli\u017ee nen\u00ed dostate\u010dn\u00e1, poskytnut\u00ed \u00fav\u011bru je zam\u00edtnuto. Banka zpravidla odm\u00edtne poskytnut\u00ed...","datePublished":"2022-02-09","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.freezart.cz\/author\/#Person","name":"","url":"https:\/\/www.freezart.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87132efef9f5972c3e770e1fb0907fb3dcc1311f82da5f30bffbae0bd81cf8c0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87132efef9f5972c3e770e1fb0907fb3dcc1311f82da5f30bffbae0bd81cf8c0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"freezart.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.freezart.cz\/wp-content\/uploads\/car-63930_640.jpg","url":"https:\/\/www.freezart.cz\/wp-content\/uploads\/car-63930_640.jpg","height":0,"width":0},"url":"https:\/\/www.freezart.cz\/ruceni-za-uver\/","about":["Finance"],"wordCount":377,"articleBody":"       V p\u0159\u00edpadech, kdy pot\u0159ebujeme vy\u0161\u0161\u00ed finan\u010dn\u00ed \u010d\u00e1stku na po\u0159\u00edzen\u00ed osobn\u00edho automobilu, na rozjezd podnik\u00e1n\u00ed, na rekonstrukci bytu \u010di domu nebo na vybaven\u00ed dom\u00e1cnosti, je jedn\u00edm z \u0159e\u0161en\u00ed \u010derp\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f na \u00fav\u011br. V\u011bt\u0161ina lid\u00ed \u017e\u00e1d\u00e1 o \u00fav\u011br v bance, ta posoud\u00ed bonitu klienta a jestli\u017ee nen\u00ed dostate\u010dn\u00e1, poskytnut\u00ed \u00fav\u011bru je zam\u00edtnuto. Banka zpravidla odm\u00edtne poskytnut\u00ed \u00fav\u011bru i v p\u0159\u00edpad\u011b, kdy klient nen\u00ed zadlu\u017een \u010di p\u0159edlu\u017een, sta\u010d\u00ed, kdy\u017e m\u00e1 z\u00e1znam v registrech dlu\u017en\u00edk\u016f.Jedn\u00edm z \u0159e\u0161en\u00ed je nebankovn\u00ed \u00fav\u011br se z\u00e1stavou nemovitosti. Ten se zpravidla poskytuje ve v\u00fd\u0161i a\u017e do sedmdes\u00e1ti procent hodnoty nemovitosti. Zastaven\u00e1 nemovitost je jistotou pro v\u011b\u0159itele, kter\u00e1 jim umo\u017e\u0148uje poskytnout v\u00fdhodnou p\u016fj\u010dku s dlouhou dobou splatnosti. Po dobu splatnosti, zm\u011bn\u00ed-li se finan\u010dn\u00ed situace klienta, je mo\u017en\u00e9 vyu\u017e\u00edt p\u0159ed\u010dasn\u00e9 splacen\u00ed, p\u0159\u00edpadn\u011b refinancov\u00e1n\u00ed \u00fav\u011bru. P\u0159edm\u011btem z\u00e1stavy je nemovitost ve vlastnictv\u00ed klienta, p\u0159\u00edpadn\u011b t\u0159et\u00ed osoby. \u00dav\u011br se z\u00e1stavou nemovitosti m\u016f\u017ee m\u00edt splatnost a\u017e 20 let, vyu\u017e\u00edt jej mohou ob\u010dan\u00e9, podnikatel\u00e9 i firmy. V\u00fd\u0161e spl\u00e1tek je smluvn\u011b nastavena na m\u00edru, podle finan\u010dn\u00edch mo\u017enost\u00ed klienta. Dostane-li se klient do nep\u0159\u00edzniv\u00e9 finan\u010dn\u00ed situace, v\u017edy se hled\u00e1 prostor k \u0159e\u0161en\u00ed a prodej nemovitosti je a\u017e krajn\u00edm \u0159e\u0161en\u00edm.Finan\u010dn\u00ed prost\u0159edky, z\u00edskan\u00e9 prost\u0159ednictv\u00edm \u00fav\u011bru se z\u00e1stavou nemovitosti, nejsou \u00fa\u010delov\u011b v\u00e1z\u00e1ny. To znamen\u00e1, \u017ee je klient m\u016f\u017ee pou\u017e\u00edt k jak\u00e9mukoli \u00fa\u010delu a jejich vyu\u017eit\u00ed nemus\u00ed nijak dokl\u00e1dat. Je mo\u017en\u00e9 je vyu\u017e\u00edt pro osobn\u00ed pot\u0159ebu, pro konsolidaci p\u0159edchoz\u00edch p\u016fj\u010dek nebo refinancov\u00e1n\u00ed nev\u00fdhodn\u00e9ho \u00fav\u011bru. Jako vhodn\u00e9 se jev\u00ed i vyu\u017eit\u00ed na rozjezd podnik\u00e1n\u00ed, kdy je pot\u0159eba po\u0159\u00eddit nov\u00e9 objekty, v\u00fdrobn\u00ed technologie nebo skladov\u00e9 z\u00e1soby.P\u0159i ru\u010den\u00ed nemovitost\u00ed je posouzen\u00ed mo\u017enosti p\u016fj\u010dky i jej\u00ed realizace, ve srovn\u00e1n\u00ed s bankovn\u00edmi \u00fav\u011bry, velice rychl\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ru\u010den\u00ed za \u00fav\u011br","item":"https:\/\/www.freezart.cz\/ruceni-za-uver\/#breadcrumbitem"}]}]