[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.djuna.cz\/nebankovni-pomoc\/#Article","mainEntityOfPage":"https:\/\/www.djuna.cz\/nebankovni-pomoc\/","headline":"Nebankovn\u00ed pomoc","name":"Nebankovn\u00ed pomoc","description":"Kdy\u017e n\u011bkoho postihne nedostatek finan\u010dn\u00edch prost\u0159edk\u016f, nem\u00e1 to tento ani trochu snadn\u00e9. Bez pen\u011bz se ned\u00e1 v\u00e9st norm\u00e1ln\u00ed \u017eivot a sehnat je je v takov\u00fdch chv\u00edl\u00edch dost t\u011b\u017ek\u00fd \u00fakol. Zejm\u00e9na pokud se o n\u011b \u010dlov\u011bk uch\u00e1z\u00ed n\u011bkde v bance, kde obvykle panuj\u00ed dost p\u0159\u00edsn\u00e1 krit\u00e9ria v\u00fdb\u011bru a ta se mus\u00ed bezezbytku splnit, m\u00e1-li m\u00edt \u017eadatel...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.djuna.cz\/nebankovni-pomoc\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Nebankovn\u00ed pomoc&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2020-10-24","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.djuna.cz\/author\/#Person","name":"","url":"https:\/\/www.djuna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"djuna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.djuna.cz\/wp-content\/uploads\/olympijsk%C3%A9%20mince.jpg","url":"https:\/\/www.djuna.cz\/wp-content\/uploads\/olympijsk%C3%A9%20mince.jpg","height":0,"width":0},"url":"https:\/\/www.djuna.cz\/nebankovni-pomoc\/","about":["Pen\u00edze"],"wordCount":422,"articleBody":"       Kdy\u017e n\u011bkoho postihne nedostatek finan\u010dn\u00edch prost\u0159edk\u016f, nem\u00e1 to tento ani trochu snadn\u00e9. Bez pen\u011bz se ned\u00e1 v\u00e9st norm\u00e1ln\u00ed \u017eivot a sehnat je je v takov\u00fdch chv\u00edl\u00edch dost t\u011b\u017ek\u00fd \u00fakol. Zejm\u00e9na pokud se o n\u011b \u010dlov\u011bk uch\u00e1z\u00ed n\u011bkde v bance, kde obvykle panuj\u00ed dost p\u0159\u00edsn\u00e1 krit\u00e9ria v\u00fdb\u011bru a ta se mus\u00ed bezezbytku splnit, m\u00e1-li m\u00edt \u017eadatel nad\u011bji.Jen\u017ee zat\u00edmco n\u011bkdo ve finan\u010dn\u00ed t\u00edsni p\u016fj\u010dit pot\u0159ebuje, nad\u011bje na to, \u017ee mu n\u011bkde v bance pomohou, je docela miziv\u00e1. Sta\u010d\u00ed jenom \u00fadajn\u011b p\u0159\u00edli\u0161 n\u00edzk\u00e9 p\u0159\u00edjmy, kter\u00e9 m\u016f\u017ee \u017eadatel dolo\u017eit, sta\u010d\u00ed t\u0159eba i jen jedin\u00fd a docela zanedbateln\u00fd negativn\u00ed z\u00e1znam v registrech dlu\u017en\u00edk\u016f, sta\u010d\u00ed dal\u0161\u00ed nabran\u00e9 a dosud nesplacen\u00e9 p\u016fj\u010dky, exekuce a podobn\u011b, a r\u00e1zem je v m\u017eiku po nad\u011bj\u00edch. I kdy\u017e pochopiteln\u011b ne v m\u017eiku, ale a\u017e po skon\u010den\u00ed prov\u011b\u0159ov\u00e1n\u00ed, kter\u00e9 se tu obvykle stra\u0161n\u011b vle\u010de.A tak \u017eadatele v bance pro jeho nedostate\u010dnou bonitu odm\u00edtnou. A co si m\u00e1 tento po\u010d\u00edt potom?Pak u\u017e mu nejednou nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e nejlevn\u011bj\u0161\u00ed hypot\u00e9ka od nebankovn\u00ed spole\u010dnosti. Proto\u017ee i kdyby banky nebyly doty\u010dn\u00e9mu ochotny pomoci, tady se tento pod\u00e1n\u00ed pomocn\u00e9 ruky do\u010dk\u00e1. A to snadno a za docela p\u0159\u00edzniv\u00fdch podm\u00ednek.U takov\u00e9 nebankovn\u00ed hypot\u00e9ky toho toti\u017e \u017eadatel prokazuje daleko m\u00e9n\u011b ne\u017e u bankovn\u00ed p\u016fj\u010dky, schvalovac\u00ed proces je tu o pozn\u00e1n\u00ed rychlej\u0161\u00ed a jednodu\u0161\u0161\u00ed a rozhodnut\u00ed je tu obvykle kladn\u00e9. A pokud ani zde \u017eadatele neuspokoj\u00ed, m\u016f\u017ee si sehnat dejme tomu n\u011bjak\u00e9ho kvalitn\u011bj\u0161\u00edho spoludlu\u017en\u00edka, d\u00edky n\u011bmu\u017e bude uspokojen.Sta\u010d\u00ed tu m\u00edt p\u0159\u00edjmy dosta\u010duj\u00edc\u00ed ke spl\u00e1cen\u00ed, sta\u010d\u00ed neb\u00fdt p\u0159\u00edmo ztracen\u00fdm p\u0159\u00edpadem, a r\u00e1zem se tu doty\u010dn\u00e9mu p\u016fj\u010d\u00ed t\u0159eba i dost pen\u011bz s mo\u017enost\u00ed individu\u00e1ln\u011b nastaven\u00e9ho a zvl\u00e1dnuteln\u00e9ho spl\u00e1cen\u00ed. Nemus\u00ed vadit ani n\u011bjak\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f, ani exekuce, ani pom\u011brn\u011b n\u00edzk\u00e9 p\u0159\u00edjmy. A roli nehraje ani to, k jak\u00e9mu \u00fa\u010delu p\u016fj\u010den\u00e9 pen\u00edze poslou\u017e\u00ed.Ale ka\u017edop\u00e1dn\u011b se to tu neobejde bez nemovit\u00e9 z\u00e1ruky. Jak u\u017e je u hypot\u00e9k samoz\u0159ejm\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed pomoc","item":"https:\/\/www.djuna.cz\/nebankovni-pomoc\/#breadcrumbitem"}]}]