[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.abela.cz\/co-je-to-pujcka-se-zastavou-nemovitosti\/#Article","mainEntityOfPage":"https:\/\/www.abela.cz\/co-je-to-pujcka-se-zastavou-nemovitosti\/","headline":"Co je to p\u016fj\u010dka se z\u00e1stavou nemovitosti","name":"Co je to p\u016fj\u010dka se z\u00e1stavou nemovitosti","description":"Ji\u017e od dob vyn\u00e1lezu pen\u011bz si lid\u00e9 p\u016fj\u010duj\u00ed. Av\u0161ak zat\u00edmco v minul\u00fdch dob\u00e1ch na p\u016fj\u010dky","datePublished":"2021-09-25","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.abela.cz\/author\/#Person","name":"","url":"https:\/\/www.abela.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"abela.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.abela.cz\/wp-content\/uploads\/pujcka3.jpg","url":"https:\/\/www.abela.cz\/wp-content\/uploads\/pujcka3.jpg","height":0,"width":0},"url":"https:\/\/www.abela.cz\/co-je-to-pujcka-se-zastavou-nemovitosti\/","about":["Finance"],"wordCount":432,"articleBody":"   Ji\u017e od dob vyn\u00e1lezu pen\u011bz si lid\u00e9 p\u016fj\u010duj\u00ed. Av\u0161ak zat\u00edmco v minul\u00fdch dob\u00e1ch na p\u016fj\u010dky nebylo hled\u011bno zrovna mil\u00fdm okem, dnes jsou velmi roz\u0161\u00ed\u0159en\u00e9. Faktem je, \u017ee naprost\u00e1 v\u011bt\u0161ina na\u0161\u00ed dosp\u011bl\u00e9 populace m\u00e1 alespo\u0148 jednu p\u016fj\u010dku, kterou zrovna spl\u00e1c\u00ed.\u017de se jedn\u00e1 o \u017e\u00e1dan\u00fd produkt m\u016f\u017eeme vid\u011bt i podle toho, kolik spole\u010dnost\u00ed, a\u0165 u\u017e bankovn\u00edch \u010di nebankovn\u00edch, je poskytuje. Ka\u017ed\u00e1 z nic m\u00e1 sv\u00e1 vlastn\u00ed pravidla, kter\u00e1 mus\u00ed \u017eadatel spl\u0148ovat, aby mu byla p\u0159izn\u00e1na. Ov\u0161em vzhledem k tomu, \u017ee jich existuje tolik druh\u016f, si n\u011bjakou najde prakticky ka\u017ed\u00fd.Jedn\u00edm z pom\u011brn\u011b nov\u00fdch typ\u016f je pak p\u016fj\u010dka se z\u00e1stavou nemovitosti. Zde je v\u00fdhodn\u00e9 to, \u017ee spole\u010dnost nepo\u017eaduje doklad o v\u00fd\u0161i va\u0161eho p\u0159\u00edjmu, ani ru\u010ditele. D\u00edky tomu je podstatn\u011b dostupn\u011bj\u0161\u00ed. Je v\u0161ak pot\u0159eba, aby \u017eadatel byl p\u0159\u00edm\u00fdm a jedin\u00fdm vlastn\u00edkem n\u011bjak\u00e9 nemovitosti. Ta se potom d\u00e1 v z\u00e1stavu. Co to znamen\u00e1?Jednodu\u0161e to, \u017ee pokud z n\u011bjak\u00e9ho d\u016fvodu nebudete spl\u00e1cet dle domluven\u00e9ho spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, bude v\u00e1m va\u0161e nemovitost zabavena a n\u00e1sledn\u011b prod\u00e1na na aukci. T\u00edm se pokryje ztr\u00e1ta, kterou by firma, kter\u00e1 v\u00e1m pen\u00edze poskytla, jinak utrp\u011bla.Zde je tedy dobr\u00e9 pe\u010dliv\u011b uv\u00e1\u017eit, zda je pr\u00e1v\u011b tento produkt pro n\u00e1s ten prav\u00fd. M\u016f\u017eeme si nap\u0159\u00edklad b\u00fdt jisti, \u017ee za na\u0161\u00ed sou\u010dasn\u00e9 situace spl\u00e1cet dok\u00e1\u017eeme. Av\u0161ak bude to platit v\u017edy? Co kdy\u017e budeme m\u00edt n\u011bjak\u00e9 mimo\u0159\u00e1dn\u00e9 v\u00fddaje, nap\u0159\u00edklad o V\u00e1noc\u00edch? Nebo pokud budeme dlouhodob\u011b nemocn\u00ed nebo p\u0159ijdeme o zam\u011bstn\u00e1n\u00ed?I toto v\u0161e je pot\u0159eba uv\u00e1\u017eit, ne\u017e se rozhodneme. Je toti\u017e pravdou, \u017ee pro v\u011bt\u0161inu lid\u00ed p\u016fj\u010dka nen\u00ed ide\u00e1ln\u00edm n\u00e1strojem. Obvykle se j\u00ed toti\u017e sna\u017e\u00ed \u0159e\u0161it nedostatek financ\u00ed. Jen m\u00e1lokdy si v\u0161ak uv\u011bdom\u00ed, \u017ee pr\u00e1v\u011b to je cesta do za\u010darovan\u00e9ho kruhu dluhov\u00e9 pasti.Proto je v\u017edy dobr\u00e9 se p\u0159edem skute\u010dn\u011b dob\u0159e zamyslet, zda je to opravdu jedin\u00e9 mo\u017en\u00e9 \u0159e\u0161en\u00ed. Snadno se toti\u017e m\u016f\u017ee st\u00e1t, \u017ee si na\u0161i situaci v kone\u010dn\u00e9m d\u016fsledku zhor\u0161\u00edme. A to rozhodn\u011b nikdo z n\u00e1s nechce.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to p\u016fj\u010dka se z\u00e1stavou nemovitosti","item":"https:\/\/www.abela.cz\/co-je-to-pujcka-se-zastavou-nemovitosti\/#breadcrumbitem"}]}]