[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.n-joy.cz\/individualni-pristup-zmeni-vasi-pujcku-k-lepsimu\/#Article","mainEntityOfPage":"https:\/\/www.n-joy.cz\/individualni-pristup-zmeni-vasi-pujcku-k-lepsimu\/","headline":"Individu\u00e1ln\u00ed p\u0159\u00edstup zm\u011bn\u00ed va\u0161i p\u016fj\u010dku k lep\u0161\u00edmu","name":"Individu\u00e1ln\u00ed p\u0159\u00edstup zm\u011bn\u00ed va\u0161i p\u016fj\u010dku k lep\u0161\u00edmu","description":"T\u0159eba i v\u00e1m se stalo n\u011bco podobn\u00e9ho \u2013 \u0161li jste do banky pro p\u016fj\u010dku a tam va\u0161i \u017e\u00e1dost zam\u00edtli proto, \u017ee m\u00e1te p\u0159\u00edli\u0161 n\u00edzk\u00e9 p\u0159\u00edjmy. Jste p\u0159ekvapen\u00ed? Mo\u017en\u00e1 ano, proto\u017ee doposud jste s va\u0161\u00edm pr\u016fm\u011brn\u00fdm platem vych\u00e1zeli bez pot\u00ed\u017e\u00ed, dokonce jste z n\u011bj i nem\u00e1lo u\u0161et\u0159ili. Tak pro\u010d je va\u0161e bonita p\u0159\u00edli\u0161 n\u00edzk\u00e1? T\u0159eba proto, […]","datePublished":"2019-09-10","dateModified":"2024-06-28","author":{"@type":"Person","@id":"https:\/\/www.n-joy.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.n-joy.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"n-joy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a350548_w1722_t1565284165.jpg","url":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a350548_w1722_t1565284165.jpg","height":0,"width":0},"url":"https:\/\/www.n-joy.cz\/individualni-pristup-zmeni-vasi-pujcku-k-lepsimu\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=FQNUgNgcyKc#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=FQNUgNgcyKc","name":"Jak\u00e9 jsou podm\u00ednky pro schv\u00e1len\u00ed hypot\u00e9ky? 1. \u010d\u00e1st","description":"Podm\u00ednkou pro schv\u00e1len\u00ed hypot\u00e9ky nen\u00ed jen va\u0161e schopnost \u00fav\u011br spl\u00e1cet, ale tak\u00e9 z\u00e1stavn\u00ed hodnota nemovitosti dle ocen\u011bn\u00ed banky. V\u00edce ve videu.\n\nOmluva v\u0161em OSV\u010c. Video pro OSV\u010c jsem nenato\u010dil, proto\u017ee ka\u017ed\u00e1 banka vyhodnocuje p\u0159\u00edjmy podnikatel\u016f \u00fapln\u011b jinak. Doporu\u010duji probrat va\u0161i situaci individu\u00e1ln\u011b. V\u00edce na http:\/\/koupimprvnibyt.cz\/prvnihypoteka\/\n\n\u010cl\u00e1nek k tomuto videu je zde: http:\/\/koupimprvnibyt.cz\/podminky-schvaleni-hypoteky\/\n\nTady m\u016f\u017eete vlo\u017eit svou popt\u00e1vku na hledan\u00fd byt a dozv\u011bd\u011bt se jako prvn\u00ed, ne\u017e se dostane do ve\u0159ejn\u00e9 inzerce:\nhttps:\/\/koupimprvnibyt.cz\/poptavka-na-koupi-bytu\/?utm_campaign=Jak%C3%A9%20jsou%20podm%C3%ADnky%20pro%20schv%C3%A1len%C3%AD%20hypot%C3%A9ky%3F%201.%20%C4%8D%C3%A1st&utm_medium=video&utm_source=popis\n------------------------------\nE-booky ke sta\u017een\u00ed\n-------------------------------\nSt\u00e1hn\u011bte si zdarma e-book 7 nej\u010dast\u011bj\u0161\u00edch chyb p\u0159i koupi bytu:\nhttp:\/\/koupimprvnibyt.cz\/ebook\/?utm_campaign=Jak%C3%A9%20jsou%20podm%C3%ADnky%20pro%20schv%C3%A1len%C3%AD%20hypot%C3%A9ky%3F&utm_medium=video&utm_source=popis\n\nOmrkn\u011bte Velk\u00e9ho pr\u016fvodce koup\u00ed bytu (pr\u00e9miov\u00fd e-book), kdy\u017e chcete j\u00edt v\u00edc do hloubky:\nhttp:\/\/koupimprvnibyt.cz\/velkypruvodce\/?utm_campaign=VP%20Jak%C3%A9%20jsou%20podm%C3%ADnky%20pro%20schv%C3%A1len%C3%AD%20hypot%C3%A9ky%3F&utm_medium=video&utm_source=popis\n\n-------------------------\nHYPOT\u00c9KA\n-------------------------\nZjist\u011bte, na jakou hypot\u00e9ku dnes re\u00e1ln\u011b dos\u00e1hnete: \nhttp:\/\/koupimprvnibyt.cz\/prvnihypoteka\/?utm_campaign=Jak%C3%A9%20jsou%20podm%C3%ADnky%20pro%20schv%C3%A1len%C3%AD%20hypot%C3%A9ky%3F&utm_medium=video&utm_source=popis\n\n2. d\u00edl tohoto videa najdete ZDE:\nhttps:\/\/youtu.be\/oXfD3OTMJ60\n\nP\u0159idejte se na Facebooku: http:\/\/facebook.com\/koupimprvnibyt\n\n--------------------\nO \u010cEM VIDEO JE:\n--------------------\nMo\u017en\u00e1 jste ve f\u00e1zi, kdy p\u0159em\u00fd\u0161l\u00edte o koupi bytu a u\u017e v tuto chv\u00edli v\u00edte, \u017ee na jeho financov\u00e1n\u00ed budete pot\u0159ebovat hypot\u00e9ku. P\u0159i koupi m\u00e9ho prvn\u00edho bytu jsem v\u016fbec nev\u011bd\u011bl, \u017ee banka \u0159e\u0161\u00ed nejen m\u016fj p\u0159\u00edjem. Jakou zku\u0161enost jsem p\u0159i z\u00edsk\u00e1n\u00ed \u00fav\u011bru nabyl, se dozv\u00edte v tomto videu.\n\nV\u00edce na blogu:  http:\/\/koupimprvnibyt.cz\/podminky-schvaleni-hypoteky\/\n\n--------------------\nO DAVIDOVI\n--------------------\nJsem David P\u0159ikryl, autor projektu Koup\u00edm prvn\u00ed byt a realitn\u00ed makl\u00e9\u0159 v jedn\u00e9 osob\u011b. \u017diji v Praze, kde sv\u00fdm klient\u016fm pom\u00e1h\u00e1m p\u0159i koupi a prodeji bytu. Jsem \u010dlenem komunity nez\u00e1visl\u00fdch realitn\u00edch makl\u00e9\u0159\u016f Qara (Quality Assured Real Estate Advisors), kter\u00e1 mi poskytuje vynikaj\u00edc\u00ed podporu a z\u00e1zem\u00ed, abych mohl svou pr\u00e1ci odv\u00e1d\u011bt perfektn\u011b.\nSoust\u0159ed\u00edm se v\u00edc na kvalitu ne\u017e kvantitu, a proto se v\u011bnuji jen mal\u00e9mu po\u010dtu zak\u00e1zek, abych je mohl zpracovat kvalitn\u011b. Bav\u00ed m\u011b d\u011blat slo\u017eit\u00e9 obchody, proto\u017ee m\u011b profesn\u011b posouvaj\u00ed d\u00e1l. V\u00edce o mn\u011b zde: https:\/\/koupimprvnibyt.cz\/o-mne\/?utm_campaign=Jak%C3%A9%20jsou%20podm%C3%ADnky%20pro%20schv%C3%A1len%C3%AD%20hypot%C3%A9ky%3F%201.%20%C4%8D%C3%A1st&utm_medium=video&utm_source=popis\nNechcete b\u00fdt na koupi nebo prodej bytu sami? R\u00e1d v\u00e1m pom\u016f\u017eu. V\u00edce zde: https:\/\/koupimprvnibyt.cz\/?utm_campaign=Jak%C3%A9%20jsou%20podm%C3%ADnky%20pro%20schv%C3%A1len%C3%AD%20hypot%C3%A9ky%3F%201.%20%C4%8D%C3%A1st&utm_medium=video&utm_source=popis\n\n--------------------\nODEB\u00cdREJTE M\u00c1 AKTU\u00c1LN\u00cd VIDEA NA YOUTUBE\n--------------------\nNenechte si uj\u00edt dal\u0161\u00ed videa, p\u0159ihlaste se k odb\u011bru: https:\/\/www.youtube.com\/channel\/UCQJd9Q-0youNWvSSGJYUCZQ\nToto video najdete na adrese: https:\/\/youtu.be\/FQNUgNgcyKc","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/FQNUgNgcyKc\/default.jpg","https:\/\/i.ytimg.com\/vi\/FQNUgNgcyKc\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/FQNUgNgcyKc\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/FQNUgNgcyKc\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/FQNUgNgcyKc\/maxresdefault.jpg"],"uploadDate":"2016-08-17T15:01:05+00:00","duration":"PT4M42S","embedUrl":"https:\/\/www.youtube.com\/embed\/FQNUgNgcyKc","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCQJd9Q-0youNWvSSGJYUCZQ#Organization","url":"https:\/\/www.youtube.com\/channel\/UCQJd9Q-0youNWvSSGJYUCZQ","name":"Koup\u00edm prvn\u00ed byt - David P\u0159ikryl","description":"Ahoj jsem David a p\u016fsob\u00edm jako realitn\u00ed makl\u00e9\u0159 v Praze. Specializuji se na koupi, prodej a pron\u00e1jem reziden\u010dn\u00edch nemovitost\u00ed.\n\nV realit\u00e1ch jsem od roku 2005 a po\u0159\u00e1d m\u011b m\u00e1 pr\u00e1ce hodn\u011b bav\u00ed. Hodn\u011b let jsem se v\u011bnoval komer\u010dn\u00edm nemovitostem v korpor\u00e1tn\u00ed sf\u00e9\u0159e: v bance, v realitn\u00edm fondu a u developera. Pozd\u011bji jsem se rozhodl odej\u00edt na volnou nohu a st\u00e1t se realitn\u00edm makl\u00e9\u0159em.\n\nJsem modern\u00ed makl\u00e9\u0159, nepracuji s\u00e1m. S t\u00fdmem zku\u0161en\u00fdch koleg\u016f na plno vyu\u017e\u00edv\u00e1me marketingov\u00fdch n\u00e1stroj\u016f dne\u0161n\u00ed doby jako je home staging, videoprohl\u00eddky, weby nemovitost\u00ed nebo online kampan\u011b na soci\u00e1ln\u00ed s\u00edt\u00edch.\n\nD\u00edky t\u00e9to strategii m\u00ed klienti neztr\u00e1cej\u00ed sv\u016fj \u010das a jejich nemovitosti se obvykle prodaj\u00ed za kr\u00e1tkou dobu. Ned\u011bl\u00e1me na p\u0159\u00edklad zbyte\u010dn\u00e9 prohl\u00eddky nemovitost\u00ed, proto\u017ee z\u00e1jemci si mohou ud\u011blat dobrou p\u0159edstavu u\u017e na internetu.\n\nV\u00fdborn\u011b rozum\u00edm tomu, co m\u00ed klienti pot\u0159ebuj\u00ed. proto\u017ee s\u00e1m jsem realitn\u00edm investorem a taky 15 let ve v\u00fdboru SVJ.\n\nZaujal jsem V\u00e1s, ozv\u011bte se mi. R\u00e1d V\u00e1m pom\u016f\u017eu.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/IvZ-1LiW2zBawFmb3mYnMqYSjrMFBcVQNZdObM8AfclU1vGvCyBjEiK-t8nftBObDm-1Gg35=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=FQNUgNgcyKc#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=FQNUgNgcyKc#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=FQNUgNgcyKc&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=FQNUgNgcyKc#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":8724}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=FQNUgNgcyKc#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":81}]},"about":["Finance"],"wordCount":443,"articleBody":"                             T\u0159eba i v\u00e1m se stalo n\u011bco podobn\u00e9ho \u2013 \u0161li jste do banky pro p\u016fj\u010dku a tam va\u0161i \u017e\u00e1dost zam\u00edtli proto, \u017ee m\u00e1te p\u0159\u00edli\u0161 n\u00edzk\u00e9 p\u0159\u00edjmy. Jste p\u0159ekvapen\u00ed? Mo\u017en\u00e1 ano, proto\u017ee doposud jste s va\u0161\u00edm pr\u016fm\u011brn\u00fdm platem vych\u00e1zeli bez pot\u00ed\u017e\u00ed, dokonce jste z n\u011bj i nem\u00e1lo u\u0161et\u0159ili. Tak pro\u010d je va\u0161e bonita p\u0159\u00edli\u0161 n\u00edzk\u00e1? T\u0159eba proto, \u017ee bank\u00e1m chyb\u00ed individu\u00e1ln\u00ed p\u0159\u00edstup ke klient\u016fm. To v praxi znamen\u00e1, \u017ee v\u0161echny \u017e\u00e1dosti posuzuj\u00ed stejn\u011b, bez ohledu na to, kdo o pen\u00edze \u017e\u00e1d\u00e1. Mnoh\u00e9 z va\u0161ich pravideln\u00fdch p\u0159\u00edjm\u016f v\u00e1m neuznaj\u00ed, pokud podnik\u00e1te s da\u0148ov\u00fdm pau\u0161\u00e1lem, tak v\u00e1m uznaj\u00ed t\u0159eba jen polovinu v\u00fdd\u011blku, a co je je\u0161t\u011b hor\u0161\u00ed, tak v\u00e1m z takov\u00e9ho ji\u017e pon\u00ed\u017een\u00e9ho p\u0159\u00edjmu ode\u010dtou pau\u0161\u00e1ln\u00ed v\u00fddaje. A to v\u00e1s nakonec m\u016f\u017ee polo\u017eit na lopatky, proto\u017ee rozd\u00edl pon\u00ed\u017een\u00e9ho p\u0159\u00edjmu a nav\u00fd\u0161en\u00fdch v\u00fddaj\u016f je tak mal\u00fd, \u017ee je z\u0159ejm\u00e9, \u017ee by v\u00e1m takov\u00e9 pen\u00edze na spl\u00e1tky dluhu nesta\u010dily. V takov\u00e9m p\u0159\u00edpad\u011b je jasn\u00e9, \u017ee existuje jen jedno \u0159e\u0161en\u00ed, jak va\u0161i \u017e\u00e1dost o p\u016fj\u010dku zm\u011bnit k lep\u0161\u00edmu \u2013 a to je individu\u00e1ln\u00ed p\u0159\u00edstup. Ov\u0161em ten v \u017e\u00e1dn\u00e9 bance nenajdete, t\u00edm si m\u016f\u017eete b\u00fdt jist\u00ed. Av\u0161ak najdete ho v nebankovn\u00ed spole\u010dnosti, a to je skv\u011bl\u00e1 zpr\u00e1va. Nebankovn\u00edch spole\u010dnost\u00ed se toti\u017e nen\u00ed t\u0159eba ob\u00e1vat, mohou v\u00e1m nab\u00eddnout stejn\u011b v\u00fdhodn\u00e9 finan\u010dn\u00ed produkty jako banky, a to za stejn\u011b vst\u0159\u00edcn\u00fdch podm\u00ednek. Mnohdy dokonce i lep\u0161\u00edch. To plat\u00ed nap\u0159\u00edklad o hypot\u00e9ce bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f http:\/\/www.fahd.cz\/hypoteka-bez-dolozeni-prijmu\/ anebo o hypot\u00e9ce bez registru. Je pravda, \u017ee tyto druhy \u00fav\u011br\u016f maj\u00ed o n\u011bco vy\u0161\u0161\u00ed \u00faro\u010den\u00ed ne\u017e ostatn\u00ed p\u016fj\u010dky, na druhou stranu v\u00e1m mohou nab\u00eddnout prosp\u011b\u0161n\u00e9 bonusy, kter\u00e9 va\u0161i \u017e\u00e1dost o p\u016fj\u010dku zm\u011bn\u00ed k lep\u0161\u00edmu. Sta\u010d\u00ed trochu v\u00edce vst\u0159\u00edcn\u00fd individu\u00e1ln\u00ed p\u0159\u00edstup a hypot\u00e9ka navr\u017een\u00e1 na m\u00edru va\u0161im mo\u017enostem a r\u00e1zem je po probl\u00e9mu. Uvid\u00edte, \u017ee jakmile va\u0161i bonitu n\u011bkdo spo\u010d\u00edt\u00e1 na z\u00e1klad\u011b re\u00e1ln\u00fdch p\u0159\u00edjm\u016f a v\u00fddaj\u016f, bude po probl\u00e9mech a p\u016fj\u010dka bude va\u0161e.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Individu\u00e1ln\u00ed p\u0159\u00edstup zm\u011bn\u00ed va\u0161i p\u016fj\u010dku k lep\u0161\u00edmu","item":"https:\/\/www.n-joy.cz\/individualni-pristup-zmeni-vasi-pujcku-k-lepsimu\/#breadcrumbitem"}]}]