[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bakea.cz\/poskytovatel-musi-znat-nektere-udaje\/#Article","mainEntityOfPage":"https:\/\/www.bakea.cz\/poskytovatel-musi-znat-nektere-udaje\/","headline":"Poskytovatel mus\u00ed zn\u00e1t n\u011bkter\u00e9 \u00fadaje","name":"Poskytovatel mus\u00ed zn\u00e1t n\u011bkter\u00e9 \u00fadaje","description":"Jestli\u017ee pot\u0159ebujete p\u016fj\u010dit v\u011bt\u0161\u00ed finan\u010dn\u00ed obnos a v bance jste neusp\u011bli, pak mo\u017en\u00e1 hled\u00e1te pomoc u n\u011bkter\u00e9ho…","datePublished":"2018-12-17","dateModified":"2023-08-18","author":{"@type":"Person","@id":"https:\/\/www.bakea.cz\/author\/#Person","name":"","url":"https:\/\/www.bakea.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bakea.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bakea.cz\/wp-content\/uploads\/img_a334111_w1754_t1547719162.jpg","url":"https:\/\/www.bakea.cz\/wp-content\/uploads\/img_a334111_w1754_t1547719162.jpg","height":0,"width":0},"url":"https:\/\/www.bakea.cz\/poskytovatel-musi-znat-nektere-udaje\/","about":["Ekonomika"],"wordCount":415,"articleBody":"      Jestli\u017ee pot\u0159ebujete p\u016fj\u010dit v\u011bt\u0161\u00ed finan\u010dn\u00ed obnos a v bance jste neusp\u011bli, pak mo\u017en\u00e1 hled\u00e1te pomoc u n\u011bkter\u00e9ho nebankovn\u00edho poskytovatele. A pr\u00e1v\u011b zde se m\u016f\u017eete setkat s jedn\u00edm term\u00ednem, kter\u00fd je zapot\u0159eb\u00ed uv\u00e9st na pravou m\u00edru. T\u00edm term\u00ednem je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. U\u017e na prvn\u00ed poslech je jasn\u00e9, \u017ee je to tak trochu zav\u00e1d\u011bj\u00edc\u00ed. Kdo by p\u016fj\u010dil n\u011bkomu, o kom nem\u00e1 jistotu, \u017ee mu bude moci dluh uhradit? Tento n\u00e1zev finan\u010dn\u00edho produktu n\u00e1s m\u00e1 sp\u00ed\u0161e upozornit na to, \u017ee v nebankovn\u00edm sektoru je mo\u017en\u00e1 v\u011bt\u0161\u00ed tolerance p\u0159i n\u00edzk\u00e9m p\u0159\u00edjmu \u017eadatele.Bude celkem jednoduch\u00e9 p\u0159\u00edjmy dolo\u017eit u spot\u0159ebitelsk\u00e9ho i podnikatelsk\u00e9ho \u00fav\u011bru. M\u016f\u017ee se ov\u0161em st\u00e1t, \u017ee p\u0159\u00edjem nen\u00ed takzvan\u011b transparentn\u00ed. Co to znamen\u00e1? Nen\u00ed mo\u017en\u00e9 ho b\u011b\u017en\u00fdm zp\u016fsobem prok\u00e1zat. I v tomto p\u0159\u00edpad\u011b lze ale probl\u00e9m jednodu\u0161e vy\u0159e\u0161it. Sta\u010d\u00ed si p\u0159izvat n\u011bkoho coby spoludlu\u017en\u00edka, kter\u00fd do \u00fav\u011bru vstoup\u00ed s v\u00e1mi. U podnikatel\u016f m\u016f\u017ee doj\u00edt je\u0161t\u011b k jednomu \u201ez\u00e1drhelu\u201c. To v p\u0159\u00edpad\u011b, \u017ee je firma zalo\u017eena teprve kr\u00e1tce a da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed je\u0161t\u011b logicky nem\u016f\u017ee existovat. Pak je doporu\u010deno popsat podnikatelsk\u00fd z\u00e1m\u011br a zp\u016fsob pou\u017eit\u00ed finan\u010dn\u00edch prost\u0159edk\u016f. Pokud by ale firma byla jen zalo\u017eena a ve skute\u010dnosti by nefungovala, pak nen\u00ed mo\u017en\u00e9 podnikatelsk\u00fd \u00fav\u011br z\u00edskat. I u spot\u0159ebitel\u016f je to jednoduch\u00e9 Ale ani u spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f nen\u00ed probl\u00e9m p\u0159\u00edjmy dolo\u017eit. Lze to ud\u011blat n\u011bkolika mo\u017en\u00fdmi zp\u016fsoby. Krom\u011b p\u0159\u00edjm\u016f je tak\u00e9 nutn\u00e9 u spot\u0159ebitele dolo\u017eit v\u00fddaje.  Jen tak bude mo\u017en\u00e9 vytvo\u0159it finan\u010dn\u00ed produkt pro konkr\u00e9tn\u00edho \u017eadatele. Mezi v\u00fddaje se po\u010d\u00edtaj\u00ed n\u00e1klady na bydlen\u00ed energii stravov\u00e1n\u00ed dom\u00e1cnost. Dolo\u017eit lze vyto polo\u017eky n\u00e1jemn\u00ed smlouvou, SIPO, fakturami od dodavatel\u016f energi\u00ed a slu\u017eeb, \u00fa\u010dtenkami i v\u00fdpisem z \u00fa\u010dtu. Jestli\u017ee \u017eadatel spl\u00e1c\u00ed z\u00e1vazky z p\u0159edchoz\u00edho obdob\u00ed, pak je zapot\u0159eb\u00ed je dolo\u017eit smlouvami s v\u011b\u0159iteli \u010di v\u00fdpisy z \u00fa\u010dt\u016f.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poskytovatel mus\u00ed zn\u00e1t n\u011bkter\u00e9 \u00fadaje","item":"https:\/\/www.bakea.cz\/poskytovatel-musi-znat-nektere-udaje\/#breadcrumbitem"}]}]