[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.flamenio.cz\/je-nebankovni-hypoteka-duveryhodna\/#Article","mainEntityOfPage":"https:\/\/www.flamenio.cz\/je-nebankovni-hypoteka-duveryhodna\/","headline":"Je nebankovn\u00ed hypot\u00e9ka d\u016fv\u011bryhodn\u00e1?","name":"Je nebankovn\u00ed hypot\u00e9ka d\u016fv\u011bryhodn\u00e1?","description":"Lid\u00e9 si p\u016fj\u010duj\u00ed jeden od druh\u00e9ho ji\u017e od nejstar\u0161\u00edch dob. Tato praxe byla velmi zavedena je\u0161t\u011b p\u0159ed vyn\u00e1lezem pen\u011bz. Ten ji jen zdokonalil a posunul na novou \u00farove\u0148. Od t\u00e9…","datePublished":"2020-07-17","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.flamenio.cz\/author\/#Person","name":"","url":"https:\/\/www.flamenio.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"flamenio.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.flamenio.cz\/wp-content\/uploads\/penize1_10.jpg","url":"https:\/\/www.flamenio.cz\/wp-content\/uploads\/penize1_10.jpg","height":0,"width":0},"url":"https:\/\/www.flamenio.cz\/je-nebankovni-hypoteka-duveryhodna\/","about":["Finance"],"wordCount":451,"articleBody":"   Lid\u00e9 si p\u016fj\u010duj\u00ed jeden od druh\u00e9ho ji\u017e od nejstar\u0161\u00edch dob. Tato praxe byla velmi zavedena je\u0161t\u011b p\u0159ed vyn\u00e1lezem pen\u011bz. Ten ji jen zdokonalil a posunul na novou \u00farove\u0148. Od t\u00e9 doby tak bylo teoreticky mo\u017en\u00e9 z\u00edskat cokoliv prakticky okam\u017eit\u011b, bez ohledu na cenu, pokud jste na\u0161li n\u011bkoho, kdo v\u00e1m byl ochoten danou \u010d\u00e1stku p\u016fj\u010dit.Je samoz\u0159ejm\u00e9, \u017ee se toho n\u011bkte\u0159\u00ed podnikav\u00ed lid\u00e9 ihned chytli. Pochopili, o jak v\u00fdnosn\u00fd byznys by mohlo j\u00edt, a za\u010dali p\u016fj\u010dovat pen\u00edze za ur\u010dit\u00fd poplatek. A d\u011bjiny jim skute\u010dn\u011b daly za pravdu, lid\u00e9 si p\u016fj\u010dovali a d\u011blali dluhy.Samoz\u0159ejm\u011b se na tuto praxi za\u010dalo d\u00edvat skrz prsty. Byla naz\u00fdv\u00e1na \u201elichva\u201c a p\u016fj\u010dov\u00e1n\u00ed na \u00farok bylo p\u0159\u00edznakem \u0161patn\u00e9ho vychov\u00e1n\u00ed, kdy se up\u0159ednost\u0148uje osobn\u00ed zisk p\u0159ed pomoc\u00ed \u010dlov\u011bku v nouzi. Ani to v\u0161ak tento typ podnik\u00e1n\u00ed nezastavilo. Popravd\u011b, pr\u00e1v\u011b ti lid\u00e9, kte\u0159\u00ed to hl\u00e1sali, byli z\u00e1rove\u0148 z velk\u00e9 \u010d\u00e1sti odpov\u011bdn\u00ed za jeho r\u016fst. Koneckonc\u016f, kdyby nebyli z\u00e1kazn\u00edci, brzy by zaniklo.V dne\u0161n\u00ed dob\u011b se nejr\u016fzn\u011bj\u0161\u00ed p\u016fj\u010dky berou ji\u017e jako n\u011bco naprosto norm\u00e1ln\u00edho. Vid\u00edme na n\u011b denn\u011b reklamy v televizi, \u010dasopisech i na internetu. P\u0159esto se zd\u00e1, jako by se rozmohly a\u017e v posledn\u00edch desetilet\u00edch. \u010c\u00edm to je?Jednodu\u0161e proto, \u017ee d\u0159\u00edve byly p\u016fj\u010dky poskytov\u00e1ny pouze bankami, kter\u00e9 byly kontrolov\u00e1ny st\u00e1tem. Ten ur\u010doval, kdo m\u00e1 na co n\u00e1rok a nebylo to br\u00e1no jako n\u011bco \u0161patn\u00e9ho. Av\u0161ak po revoluci i banky p\u0159e\u0161ly do soukrom\u00e9 sf\u00e9ry. Nav\u00edc z\u00edskaly konkurenci v podob\u011b nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 se na p\u016fj\u010dky specializuj\u00ed a poskytuj\u00ed mimo jin\u00e9ho nap\u0159\u00edklad i produkty jako nebankovn\u00ed hypot\u00e9ka.Je jasn\u00e9, \u017ee vzhledem k tomu, jak v\u00fdnosn\u00fd obchod s p\u016fj\u010dkami je (sta\u010d\u00ed se jen pod\u00edvat na statistiky, kolik lid\u00ed v na\u0161\u00ed republice m\u00e1 alespo\u0148 jednu p\u016fj\u010dku), existuje tvrd\u00fd boj o z\u00e1kazn\u00edka a je\u0161t\u011b tvrd\u0161\u00ed o to, dostat z n\u011bj co nejv\u00edce pen\u011bz.P\u0159esto podv\u011bdom\u011b v\u00edce d\u016fv\u011b\u0159ujeme bank\u00e1m ne\u017e pr\u00e1v\u011b t\u011bmto nebankovn\u00edm firm\u00e1m. Opr\u00e1vn\u011bn\u011b? Dnes ji\u017e nikoliv. Nez\u00e1le\u017e\u00ed ani tak na poskytovateli, ale na tom, jak\u00e9 podm\u00ednky nastav\u00ed. Proto si v\u017edy \u0159\u00e1dn\u011b p\u0159e\u010dt\u011bte smlouvu, abyste nakonec nesplakali nad v\u00fdd\u011blkem.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je nebankovn\u00ed hypot\u00e9ka d\u016fv\u011bryhodn\u00e1?","item":"https:\/\/www.flamenio.cz\/je-nebankovni-hypoteka-duveryhodna\/#breadcrumbitem"}]}]