[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lakpro.cz\/potrebujeme-financni-pomoc\/#Article","mainEntityOfPage":"https:\/\/www.lakpro.cz\/potrebujeme-financni-pomoc\/","headline":"Pot\u0159ebujeme finan\u010dn\u00ed pomoc","name":"Pot\u0159ebujeme finan\u010dn\u00ed pomoc","description":"Z\u00edskali jsme nov\u00fd byt, ale je t\u0159eba prov\u00e9st opravy a celkov\u011b byt p\u0159izp\u016fsobit na\u0161im pot\u0159eb\u00e1m. To m\u016f\u017ee znamenat velk\u00fd probl\u00e9m, kdy\u017e dojdou na\u0161et\u0159en\u00e9 finan\u010dn\u00ed prost\u0159edky. … ","datePublished":"2018-09-09","dateModified":"2018-09-09","author":{"@type":"Person","@id":"https:\/\/www.lakpro.cz\/author\/#Person","name":"","url":"https:\/\/www.lakpro.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lakpro.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lakpro.cz\/wp-content\/uploads\/img_a324230_w1758_t1536054464.jpg","url":"https:\/\/www.lakpro.cz\/wp-content\/uploads\/img_a324230_w1758_t1536054464.jpg","height":0,"width":0},"url":"https:\/\/www.lakpro.cz\/potrebujeme-financni-pomoc\/","wordCount":477,"articleBody":"Z\u00edskali jsme nov\u00fd byt, ale je t\u0159eba prov\u00e9st opravy a celkov\u011b byt p\u0159izp\u016fsobit na\u0161im pot\u0159eb\u00e1m. To m\u016f\u017ee znamenat velk\u00fd probl\u00e9m, kdy\u017e dojdou na\u0161et\u0159en\u00e9 finan\u010dn\u00ed prost\u0159edky. Samoz\u0159ejm\u011b by pomohl n\u011bjak\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br, kam se ale obr\u00e1tit? Existuje tolik spole\u010dnost\u00ed, kter\u00e9 nab\u00edz\u00ed p\u016fj\u010den\u00ed pen\u011bz s v\u00fdhodn\u00fdm \u00farokem a bez nahl\u00ed\u017een\u00ed do registru a dal\u0161\u00edch slib\u016f. Ot\u00e1zkou je, co je na tom pravdy. Stejn\u011b se v prvn\u00ed \u0159ad\u011b obrac\u00edme na banku, kter\u00e1 je na\u0161e domovsk\u00e1 a m\u011bla by se o n\u00e1s n\u011bjak\u00fdm zp\u016fsobem starat. I p\u0159esto, \u017ee jsme klienti, tak n\u00e1m nemus\u00ed vyj\u00edt vst\u0159\u00edc a to z mnoha d\u016fvod\u016f, jako je \u0161patn\u00e1 bonita, z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo nedostate\u010dn\u00fd p\u0159\u00edjem, kter\u00fd by nedos\u00e1hl na pokryt\u00ed. Aspekt\u016f m\u016f\u017ee b\u00fdt hned n\u011bkolik. Kdy\u017e tady neusp\u011bjeme, mo\u017en\u00e1 pom\u016f\u017ee nebankovn\u00ed spole\u010dnost. Zde bychom m\u011bli b\u00fdt v\u00edce obez\u0159etn\u00ed a nechat si spole\u010dnost prov\u011b\u0159it, a\u010dkoliv n\u011bkter\u00e9 dosahuj\u00ed stejn\u00e9 \u00farovn\u011b jako banky. Podstatn\u00e9 rozd\u00edly obou spole\u010dnost\u00ed uveden\u00e9 pod n\u00e1zvem , n\u00e1m mohou pomoci v rozhodov\u00e1n\u00ed jak d\u00e1l. Je pot\u0159eba \u010d\u00edst pozorn\u011b smlouvy To je snad tis\u00edckr\u00e1t omlet\u00e1 fr\u00e1ze a plat\u00ed \u00fapln\u011b u v\u0161eho. \u201eNe\u017e n\u011bco podep\u00ed\u0161ete, po\u0159\u00e1dn\u011b si to p\u0159e\u010dt\u011bte!\u201c A stejn\u011b se d\u011blaj\u00ed st\u00e1le stejn\u00e9 chyby. Pak lid\u00e9 plat\u00ed zbyte\u010dn\u00e9 poplatky nebo sankce za n\u011bco, o \u010dem vlastn\u011b ani nemaj\u00ed tu\u0161en\u00ed. Zkr\u00e1tka je to tak, nikdo nechce \u010d\u00edst slo\u017eit\u011b n\u011bkolik arch\u016f pap\u00edr\u016f a spol\u00e9h\u00e1 na d\u016fv\u011bru. To se ale m\u016f\u017ee vymst\u00edt. Pr\u00e1v\u011b nejv\u00edce chyb a poru\u0161ov\u00e1n\u00ed dohod je z toho, \u017ee jsou klienti v nev\u011bdomosti, co je m\u016f\u017ee st\u00e1t t\u0159eba i mal\u00e9 zpo\u017ed\u011bn\u00ed platby.Co mus\u00edme ud\u011blat, ne\u017e podep\u00ed\u0161eme: – Vyhradit si \u010das a smlouvu si i n\u011bkolikr\u00e1t po\u0159\u00e1dn\u011b p\u0159e\u010d\u00edst. – Nen\u00ed od v\u011bci se klidn\u011b poradit i s pr\u00e1vn\u00edkem, pokud se jedn\u00e1 o vy\u0161\u0161\u00ed obnos. – Nenechat se zatla\u010dit doslova do kouta s podpisem. Pokud tomu tak je, bude lep\u0161\u00ed odstoupit od smlouvy. – Je ve smlouv\u011b n\u011bco, \u010demu nerozum\u00edme, tak se jednodu\u0161e zept\u00e1me. – Nep\u0159ehledn\u00e1 smlouva a nesrozumiteln\u00fd text, v\u010detn\u011b dodatk\u016f pod \u010darou? To nevypad\u00e1 dob\u0159e, snadno se n\u011bco p\u0159ehl\u00e9dne. – Nikdy se nesm\u00edme nechat uchl\u00e1cholit v\u011btou: \u201eto je jen formalita\u201c, kdy\u017e ji autor napsal, z\u0159ejm\u011b m\u011bl k tomu d\u016fvod a ka\u017ed\u00e1 spojka ve smlouv\u011b m\u00e1 svoje opodstatn\u011bn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                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