[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.arnos.cz\/dolozit-schopnost-splacet-je-nutne\/#Article","mainEntityOfPage":"https:\/\/www.arnos.cz\/dolozit-schopnost-splacet-je-nutne\/","headline":"Dolo\u017eit schopnost spl\u00e1cet je nutn\u00e9","name":"Dolo\u017eit schopnost spl\u00e1cet je nutn\u00e9","description":"P\u0159i \u017e\u00e1dosti u nebankovn\u00edho poskytovatele o \u00fav\u011br nebo hypot\u00e9ku se m\u016f\u017eete setkat s jedn\u00edm nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm. T\u00edm je term\u00edn \u2013 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. o V\u011bt\u0161ina \u017eadatel\u016f si pod n\u00edm p\u0159edstavuje, \u017ee nebude nikoho zaj\u00edmat, jak\u00fdm zp\u016fsobem bude sv\u016fj z\u00e1vazek spl\u00e1cet. o Nen\u00ed tomu tak.Jedn\u00e1 se ale v podstat\u011b o mal\u00e9 nedorozum\u011bn\u00ed, kter\u00e9 se d\u00e1 […]","datePublished":"2018-12-15","dateModified":"2018-12-15","author":{"@type":"Person","@id":"https:\/\/www.arnos.cz\/author\/#Person","name":"","url":"https:\/\/www.arnos.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"arnos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.arnos.cz\/wp-content\/uploads\/img_a333121_w1734_t1546271935.jpg","url":"https:\/\/www.arnos.cz\/wp-content\/uploads\/img_a333121_w1734_t1546271935.jpg","height":0,"width":0},"url":"https:\/\/www.arnos.cz\/dolozit-schopnost-splacet-je-nutne\/","about":["Web"],"wordCount":406,"articleBody":"   P\u0159i \u017e\u00e1dosti u nebankovn\u00edho poskytovatele o \u00fav\u011br nebo hypot\u00e9ku se m\u016f\u017eete setkat s jedn\u00edm nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm. T\u00edm je term\u00edn \u2013 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. o V\u011bt\u0161ina \u017eadatel\u016f si pod n\u00edm p\u0159edstavuje, \u017ee nebude nikoho zaj\u00edmat, jak\u00fdm zp\u016fsobem bude sv\u016fj z\u00e1vazek spl\u00e1cet. o Nen\u00ed tomu tak.Jedn\u00e1 se ale v podstat\u011b o mal\u00e9 nedorozum\u011bn\u00ed, kter\u00e9 se d\u00e1 docela snadno uv\u00e9st na pravou m\u00edru.\u017d\u00e1dn\u00e9mu solidn\u00edmu v\u011b\u0159iteli p\u0159eci nem\u016f\u017ee b\u00fdt jedno, jestli dlu\u017en\u00edk d\u00edky jeho pomoci nezab\u0159edne do je\u0161t\u011b v\u011bt\u0161\u00edch dluh\u016f, ze kter\u00fdch u\u017e by nebyla cesta ven. Jen se prost\u011b daj\u00ed p\u0159\u00edjmy dolo\u017eit daleko jednodu\u0161\u0161\u00edm zp\u016fsobem, ne\u017eli je tomu nap\u0159\u00edklad v bance. o Pokud se tedy chyst\u00e1te po\u017e\u00e1dat nebankovn\u00edho poskytovatele o spot\u0159ebitelsk\u00fd \u00fav\u011br a nem\u00e1te takzvan\u00fd transparentn\u00ed p\u0159\u00edjem, pak m\u016f\u017eete po\u017e\u00e1dat n\u011bkoho, kdo se prok\u00e1\u017ee m\u00edsto v\u00e1s. o T\u00edmto spoludlu\u017en\u00edkem m\u016f\u017ee b\u00fdt v podstat\u011b kdokoliv. Podnikatel\u00e9 maj\u00ed situaci je\u0161t\u011b zjednodu\u0161enu U podnikatel\u016f je toto prok\u00e1z\u00e1n\u00ed je\u0161t\u011b o n\u011bco jednodu\u0161\u0161\u00ed. Jestli\u017ee pod\u00e1v\u00e1te da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, pak je v\u0161e vy\u0159e\u0161eno. Probl\u00e9m nen\u00ed ani v p\u0159\u00edpad\u011b velice n\u00edzk\u00e9 \u010d\u00e1stky na tomto dokumentu. Podnikatel mus\u00ed prok\u00e1zat, \u017ee jeho firma skute\u010dn\u011b funguje a nen\u00ed jen zalo\u017eena. Pokud by ji neprovozovali, pak by se jednalo o \u00fav\u011br spot\u0159ebitelsk\u00fd. o Jak tedy m\u016f\u017ee podnikatel, kter\u00fd m\u00e1 n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed dolo\u017eit, \u017ee skute\u010dn\u011b podnik\u00e1? \u00b7 Velice jednodu\u0161e. Sta\u010d\u00ed se prok\u00e1zat vydan\u00fdmi fakturami. Za\u010d\u00ednaj\u00edc\u00ed podnikatel\u00e9, kte\u0159\u00ed je\u0161t\u011b nemohou pod\u00e1vat p\u0159\u00edslu\u0161n\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed pop\u00ed\u0161\u00ed sv\u00e9mu poskytovateli hypot\u00e9ky podnikatelsk\u00fd z\u00e1m\u011br, na kter\u00fd budou cht\u00edt vyu\u017e\u00edt poskytnut\u00e9 finan\u010dn\u00ed prost\u0159edky. Pokud tedy naraz\u00edte na hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjm\u016f anebo na 100% hypot\u00e9ku, pak se jedn\u00e1 v podstat\u011b o m\u00fdtus, kter\u00fd u\u017e nen\u00ed v platnosti. V\u017edy je pot\u0159eba prok\u00e1zat, \u017ee v\u00e1m v budoucnu va\u0161e situace dovol\u00ed poskytnut\u00e9 finan\u010dn\u00ed prost\u0159edky bez probl\u00e9m\u016f spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dolo\u017eit schopnost spl\u00e1cet je nutn\u00e9","item":"https:\/\/www.arnos.cz\/dolozit-schopnost-splacet-je-nutne\/#breadcrumbitem"}]}]