[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rancoaza.cz\/proc-banky-pujcuji-stale-mene-lidem\/#Article","mainEntityOfPage":"https:\/\/www.rancoaza.cz\/proc-banky-pujcuji-stale-mene-lidem\/","headline":"Pro\u010d banky p\u016fj\u010duj\u00ed st\u00e1le m\u00e9n\u011b lidem?","name":"Pro\u010d banky p\u016fj\u010duj\u00ed st\u00e1le m\u00e9n\u011b lidem?","description":"V posledn\u00edch dnech, i v dob\u011b ekonomick\u00e9ho r\u016fstu, p\u016fj\u010duj\u00ed banky daleko men\u0161\u00edmu po\u010dtu lid\u00ed, ne\u017e tomu bylo kdy si i, nap\u0159\u00edklad v devades\u00e1t\u00fdch letech \u010di","datePublished":"2019-10-15","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.rancoaza.cz\/author\/#Person","name":"","url":"https:\/\/www.rancoaza.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rancoaza.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rancoaza.cz\/wp-content\/uploads\/img_a367854_w2175_t1580301774.jpg","url":"https:\/\/www.rancoaza.cz\/wp-content\/uploads\/img_a367854_w2175_t1580301774.jpg","height":0,"width":0},"url":"https:\/\/www.rancoaza.cz\/proc-banky-pujcuji-stale-mene-lidem\/","about":["Online"],"wordCount":427,"articleBody":"  V posledn\u00edch dnech, i v dob\u011b ekonomick\u00e9ho r\u016fstu, p\u016fj\u010duj\u00ed banky daleko men\u0161\u00edmu po\u010dtu lid\u00ed, ne\u017e tomu bylo kdy si i, nap\u0159\u00edklad v devades\u00e1t\u00fdch letech \u010di b\u011bhem hospod\u00e1\u0159sk\u00e9 krize v posledn\u00ed dek\u00e1d\u011b. M\u016f\u017eeme s jistotou \u0159\u00edci, \u017ee spojitosti tu jsou a jsou opravdu siln\u00e9. Vezm\u011bme si nap\u0159\u00edklad hospod\u00e1\u0159skou krizi. Cel\u00e9 to bylo spu\u0161t\u011bn\u00e9 nedbal\u00fdmi bankami, kter\u00e9 p\u016fj\u010dovaly obrovsk\u00e9 \u010d\u00e1stky pen\u011bz formou \u00fav\u011bru, v\u011bt\u0161ina z t\u011bchto pen\u011bz \u0161la a n\u00e1sledn\u011b byla kryta nemovitostmi. Trh rostl a nemovitosti p\u0159ib\u00fdvaly. Ov\u0161em nep\u0159ib\u00fdvaly tak rychle, jako rostla jejich celkov\u00e1 cena. Najednou jsme se pohybovali v pades\u00e1ti procentech nav\u00fd\u0161en\u00ed ceny nemovitosti a neust\u00e1le jsme stoupali nahoru. Lid\u00e9 si najednou museli p\u016fj\u010dovat v\u00edce a v\u00edce, aby si pozemek mohli koupit. \u00dav\u011bry a \u00faroky byly st\u00e1le slibn\u00e9, \u010d\u00edm d\u00e1l v\u00edce lid\u00ed si p\u016fj\u010dovalo, aby si nemovitost koupilo \u010di postavilo. Jenom\u017ee za chv\u00edli se p\u0159eklenula pomysln\u00e1 hranice, kdy to je\u0161t\u011b pro b\u011b\u017en\u00e9ho \u010dlov\u011bka \u201esplatit\u201c \u0161lo a pak u\u017e se \u00fav\u011bry pohybovaly v takov\u00fdch v\u00fd\u0161\u00edch, kdy splatit ne\u0161ly. Najednou dlu\u017en\u00edci p\u0159estali platit a bum \u2013 hospod\u00e1\u0159sk\u00e1 krize. Banka sice sebrala nemovitosti, nemohla je v\u0161ak prodat d\u00e1le, tak\u017ee banky ztratily miliardy korun. Dlu\u017en\u00edci p\u0159i\u0161li o sv\u00e9 domovy a najednou tu byl velk\u00fd probl\u00e9m s bydlen\u00edm. Tohle a dal\u0161\u00ed p\u0159\u00ed\u010diny nakonec zp\u016fsobily celosv\u011btovou krizi.   Dnes je v\u0161ak situace opravdu jin\u00e1. Nebankovn\u00ed hypot\u00e9ky https:\/\/www.hypotekybezregistru.cz\/nebankovni-hypoteka\/ jsou nyn\u00ed na vzestupu, av\u0161ak jsou daleko v\u00edce kontrolovan\u011bj\u0161\u00ed a dr\u017e\u00ed se pod onou pomyslnou hranic\u00ed, o kter\u00e9 jsme psali v\u00fd\u0161e. Banky jsou sice st\u00e1le obez\u0159etn\u00e9 a opravdu prov\u011b\u0159uj\u00ed sv\u00e9 klienty, ale nebankovn\u00ed spole\u010dnosti se vrhaj\u00ed do rizika a tvrd\u011b v\u00e1lcuj\u00ed banky ve spot\u0159ebitelsk\u00e9 popularit\u011b. Ostatn\u011b, kdy\u017e si chcete p\u016fj\u010dit a i va\u0161e vlastn\u00ed banka by se na v\u00e1s vyka\u0161lala, tak nebankovn\u00ed spole\u010dnost je skv\u011bl\u00e1 alternativa, kter\u00e1 v\u00e1m nab\u00eddne stejn\u00e9, ne-li lep\u0161\u00ed podm\u00ednky a voln\u011bj\u0161\u00ed z\u00e1vazek. Pokud tedy p\u0159em\u00fd\u0161l\u00edte o \u00fav\u011bru, sm\u011b\u0159ujte va\u0161i pozornost sp\u00ed\u0161e na trh nebankovn\u00edch spole\u010dnost\u00ed a vyjednejte si skv\u011bl\u00e9 podm\u00ednky, kter\u00e9 v\u00e1m budou \u0161ity na m\u00edru!                                                                                                                                                                                                                                                                                                                                                                                         4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d banky p\u016fj\u010duj\u00ed st\u00e1le m\u00e9n\u011b lidem?","item":"https:\/\/www.rancoaza.cz\/proc-banky-pujcuji-stale-mene-lidem\/#breadcrumbitem"}]}]