[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elector.cz\/nemate-dostatek-penez-na-koupi-bytu-poradime-vam\/#Article","mainEntityOfPage":"https:\/\/www.elector.cz\/nemate-dostatek-penez-na-koupi-bytu-poradime-vam\/","headline":"Nem\u00e1te dostatek pen\u011bz na koupi bytu? Porad\u00edme v\u00e1m!","name":"Nem\u00e1te dostatek pen\u011bz na koupi bytu? Porad\u00edme v\u00e1m!","description":"V dne\u0161n\u00ed dob\u011b je velmi t\u011b\u017ek\u00e9 pro mlad\u00e9 zajistit si bydlen\u00ed tzv. \u201eve sv\u00e9m\u201c. Kdo by necht\u011bl bydlet ve vlastn\u00edm dom\u011b nebo alespo\u0148 v byt\u011b, kter\u00fd by mu \u0159\u00edkal: Pane!…","datePublished":"2019-10-03","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.elector.cz\/author\/#Person","name":"","url":"https:\/\/www.elector.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elector.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elector.cz\/wp-content\/uploads\/img_a367838_w2024_t1580300098.jpg","url":"https:\/\/www.elector.cz\/wp-content\/uploads\/img_a367838_w2024_t1580300098.jpg","height":0,"width":0},"url":"https:\/\/www.elector.cz\/nemate-dostatek-penez-na-koupi-bytu-poradime-vam\/","about":["Finance"],"wordCount":420,"articleBody":"       V dne\u0161n\u00ed dob\u011b je velmi t\u011b\u017ek\u00e9 pro mlad\u00e9 zajistit si bydlen\u00ed tzv. \u201eve sv\u00e9m\u201c. Kdo by necht\u011bl bydlet ve vlastn\u00edm dom\u011b nebo alespo\u0148 v byt\u011b, kter\u00fd by mu \u0159\u00edkal: Pane! Mnohdy i pracuj\u00edc\u00ed zam\u011bstnanci maj\u00ed probl\u00e9m z\u00edskat hypot\u00e9ku na po\u0159\u00edzen\u00ed bydlen\u00ed, proto\u017ee nemohou dolo\u017eit potvrzen\u00ed p\u0159\u00edjmu od sv\u00e9ho zam\u011bstnavatele. Respektive mohou, ale probl\u00e9m b\u00fdv\u00e1 v tom, \u017ee dne\u0161n\u00ed zam\u011bstnavatel\u00e9 zam\u011bstn\u00e1vaj\u00ed pracovn\u00edky zpravidla na dobu ur\u010ditou a tyto pracovn\u00ed pom\u011bry omezen\u00e9 po ur\u010ditou dobu banky v\u011bt\u0161inou neuzn\u00e1vaj\u00ed, a\u010dkoli zam\u011bstnanec prok\u00e1\u017ee vysok\u00fd p\u0159\u00edjem. \u0158ekneme  https:\/\/www.youtube.com\/watch%3Fv%3DfAUi3taXTcs v\u00e1m, pro\u010d byste m\u011bli vyhledat hypot\u00e9ku bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu. Banky nemaj\u00ed jistotu, \u017ee v p\u0159\u00edpad\u011b p\u0159edkl\u00e1d\u00e1n\u00ed potvrzen\u00ed o p\u0159\u00edjmu zam\u011bstnance \u2013 pracovn\u00ed pom\u011br zam\u011bstnance firma po dob\u011b ur\u010dit\u00e9 prodlou\u017e\u00ed a zam\u011bstnanec bude m\u00edt tak jistotu p\u0159\u00edjmu a dostatek pen\u011bz na spl\u00e1tky. Nehled\u011b na to, \u017ee firma dop\u0159edu sama ani nev\u00ed, zda bude m\u00edt dostatek zak\u00e1zek, aby zam\u011bstnance st\u00e1le zam\u011bstn\u00e1vala. Nav\u00edc z\u00e1kon\u00edk pr\u00e1ce umo\u017e\u0148uje prodlu\u017eov\u00e1n\u00ed pracovn\u00edho pom\u011bru stylem dvakr\u00e1t a dost. Za t\u011bchto podm\u00ednek banka hypot\u00e9ku neschv\u00e1l\u00ed. Zam\u011bstnanci mnohdy p\u0159emlouvaj\u00ed mzdovou \u00fa\u010detn\u00ed, aby na potvrzen\u00ed o p\u0159\u00edjmu dobu ur\u010ditou neuv\u00e1d\u011bla. Pokud mzdov\u00e1 \u00fa\u010detn\u00ed neunese smutn\u00e9 o\u010di a \u00fap\u011bnliv\u00e9 prosby zam\u011bstnance a zfal\u0161uje potvrzen\u00ed o p\u0159\u00edjmu i s v\u00fd\u0161\u00ed p\u0159\u00edjmu \u2013 i takov\u00e9 v\u011bci se bohu\u017eel st\u00e1vaj\u00ed \u2013 je to pro ni za\u010d\u00e1tek konce. A pro zam\u011bstnance takt\u00e9\u017e, proto\u017ee nadhodnocen\u00fd p\u0159\u00edjem m\u016f\u017ee znamenat i to, \u017ee nebude m\u00edt dostatek pen\u011bz na umo\u0159ov\u00e1n\u00ed spl\u00e1tek, kter\u00e9 budou vypo\u010dteny z jeho nav\u00fd\u0161en\u00e9ho p\u0159\u00edjmu. P\u0159edejd\u011bte t\u011bmto bez\u00fat\u011b\u0161n\u00fdm kompromis\u016fm, neponi\u017eujte se p\u0159ed zam\u011bstnavatelem a pokud po\u017eadujete hypot\u00e9ku na \u00fa\u010del, kter\u00fdm m\u016f\u017ee b\u00fdt z\u00edsk\u00e1n\u00ed pen\u011b\u017en\u00edch prost\u0159edk\u016f na vlastn\u00ed bydlen\u00ed, vyhledejte https:\/\/www.ferovahypoteka.cz\/americka-nebankovni-hypoteka\/ A\u010dkoliv se to zd\u00e1 neuv\u011b\u0159iteln\u00e9, v tomto p\u0159\u00edpad\u011b nemus\u00edte p\u0159edkl\u00e1dat bance \u017e\u00e1dn\u00e9 pap\u00edrov\u00e9 potvrzen\u00ed o v\u00fd\u0161i va\u0161e p\u0159\u00edjmu u zam\u011bstnavatele.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nem\u00e1te dostatek pen\u011bz na koupi bytu? Porad\u00edme v\u00e1m!","item":"https:\/\/www.elector.cz\/nemate-dostatek-penez-na-koupi-bytu-poradime-vam\/#breadcrumbitem"}]}]