[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.emwac.cz\/dokladani-vydelku-je-nezbytnost\/#Article","mainEntityOfPage":"https:\/\/www.emwac.cz\/dokladani-vydelku-je-nezbytnost\/","headline":"Dokl\u00e1d\u00e1n\u00ed v\u00fdd\u011blk\u016f je nezbytnost","name":"Dokl\u00e1d\u00e1n\u00ed v\u00fdd\u011blk\u016f je nezbytnost","description":"U\u017e jste sly\u0161eli n\u00e1zev hypot\u00e9ka bez p\u0159\u00edjmu? Tak to je n\u00e1zev, kter\u00fd neozna\u010duje, \u017ee by se v\u016fbec p\u0159\u00edjmy nedokazovaly. Jenom\u017ee, to v dne\u0161n\u00ed dob\u011b ji\u017e neplat\u00ed. Ka\u017ed\u00fd poskytovatel p\u016fj\u010dky si mus\u00ed zjistit, zdali jeho klient m\u00e1 n\u011bjak\u00e9 p\u0159\u00edjmy, aby mohl spl\u00e1cet p\u016fj\u010dku a aby se proto nedost\u00e1val do zbyte\u010dn\u00fdch finan\u010dn\u00edch probl\u00e9m\u016f. To sam\u00e9 plat\u00ed v […]","datePublished":"2019-10-01","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.emwac.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.emwac.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"emwac.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.emwac.cz\/wp-content\/uploads\/img_a367055_w1751_t1579447635.jpg","url":"https:\/\/www.emwac.cz\/wp-content\/uploads\/img_a367055_w1751_t1579447635.jpg","height":0,"width":0},"url":"https:\/\/www.emwac.cz\/dokladani-vydelku-je-nezbytnost\/","about":["Firmy"],"wordCount":456,"articleBody":"          U\u017e jste sly\u0161eli n\u00e1zev hypot\u00e9ka bez p\u0159\u00edjmu? Tak to je n\u00e1zev, kter\u00fd neozna\u010duje, \u017ee by se v\u016fbec p\u0159\u00edjmy nedokazovaly. Jenom\u017ee, to v dne\u0161n\u00ed dob\u011b ji\u017e neplat\u00ed. Ka\u017ed\u00fd poskytovatel p\u016fj\u010dky si mus\u00ed zjistit, zdali jeho klient m\u00e1 n\u011bjak\u00e9 p\u0159\u00edjmy, aby mohl spl\u00e1cet p\u016fj\u010dku a aby se proto nedost\u00e1val do zbyte\u010dn\u00fdch finan\u010dn\u00edch probl\u00e9m\u016f. To sam\u00e9 plat\u00ed v p\u0159\u00edpad\u011b, \u017ee Vy jako klient chcete p\u016fj\u010dku. Mus\u00edte zkr\u00e1tka a dob\u0159e n\u011b\u010d\u00edm prok\u00e1zat, \u017ee m\u00e1te na spl\u00e1cen\u00ed sv\u00fdch z\u00e1vazk\u016f. Tato pravidla plat\u00ed jak pro b\u011b\u017en\u00e9 spot\u0159ebitele v r\u00e1mci spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f, tak tak\u00e9 pro podnikatele v r\u00e1mci podnikatelsk\u00fdch \u00fav\u011br\u016f. Z\u00e1kladn\u00ed rozd\u00edly spot\u0159ebitelsk\u00fdch a podnikatelsk\u00fdch \u00fav\u011br\u016f Budeme se i nad\u00e1le v\u011bnovat t\u00e9matu. \u010cili \u00fav\u011bru, u kter\u00e9ho se ru\u010d\u00ed nemovitost\u00ed, ale nemus\u00edte dokl\u00e1dat v\u00fdd\u011blky. Tento n\u00e1zev jsme si ji\u017e objasnili a zjistili jsme, \u017ee v\u017edy se n\u011bjak\u00fdm zp\u016fsobem mus\u00ed dolo\u017eit, \u017ee bu\u010fto vyd\u011bl\u00e1v\u00e1te a m\u00e1te stabiln\u011b v\u00fdplatu, nebo m\u00e1te jin\u00e9 druhy v\u00fdd\u011blk\u016f \u010di d\u00e1vek a tak podobn\u011b.  Jdeme-li hloub\u011bji do j\u00e1dra problematiky, \u0159ekneme si je\u0161t\u011b dal\u0161\u00ed z\u00e1kladn\u00ed fakta. Nap\u0159\u00edklad si objasn\u00edme to, \u017ee spot\u0159ebitelsk\u00e9 \u00fav\u011bry se poskytuj\u00ed v podstat\u011b komukoliv nad 18 let v\u011bku. Pen\u00edze se vyu\u017e\u00edvaj\u00ed na bydlen\u00ed, jako b\u011b\u017en\u00e1 p\u016fj\u010dka, na placen\u00ed b\u011b\u017en\u00fdch pot\u0159eb, m\u016f\u017eete s nimi cokoliv kupovat a po\u0159izovat, n\u00e1bytek, spot\u0159ebi\u010de, rekonstruovat, vybavovat dom\u00e1cnost a tak podobn\u011b. Zat\u00edmco podnikatelsk\u00e9 \u00fav\u011bry se vyu\u017e\u00edvaj\u00ed pouze v p\u0159\u00edpad\u011b, \u017ee podnik\u00e1te, \u010dili m\u00e1te zalo\u017eenou firmu, jste OSV\u010c nebo podnik\u00e1te. Pen\u00edze vyu\u017eijete do podnik\u00e1n\u00ed.  Boj\u00edte se, \u017ee nem\u016f\u017eete nic dolo\u017eit nebo nev\u00edte, jak to ud\u011blat?  Obavy jsou p\u0159edem opravdu zbyte\u010dn\u00e9. Mnoho lid\u00ed nem\u00e1 je\u0161t\u011b zku\u0161enosti s nebankovn\u00edm syst\u00e9mem, ale v\u011b\u0159te, \u017ee je podobn\u00fd tomu bankovn\u00edmu. Jenom je to je\u0161t\u011b v mnoh\u00fdch ohledech jednodu\u0161\u0161\u00ed. Sta\u010d\u00ed se pod\u00edvat, co k tomu budete pot\u0159ebovat a p\u0159\u00edpadn\u00e9 doklady dolo\u017eit. V\u017edy mus\u00edte b\u00fdt schopni \u00fav\u011br spl\u00e1cet, to je nejd\u016fle\u017eit\u011bj\u0161\u00ed. D\u00e1le se obecn\u011b pot\u0159ebuj\u00ed v\u00fdpisy z \u00fa\u010dtu v\u011bt\u0161inou za 3 \u2013 6 posledn\u00edch m\u011bs\u00edc\u016f, v\u00fdplatn\u00ed p\u00e1sky za tot\u00e9\u017e obdob\u00ed, a pokud nevyd\u011bl\u00e1v\u00e1te tak dal\u0161\u00ed doklady.                                                                                                                                                                                                                                                                                                                                                                                                  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