Dovolím si tvrdit, že díky četnosti úvěrových obchodů, se kterými jsem se setkala a díky době, po kterou sleduji chování zadlužených ale i nezadlužených klientů, mohu nabídnout objektivní poradenství v duchu „ponaučte se z cizích chyb“, doplním, ale i z cizích moudrých rozhodnutí.

Nově jsem proto přidala na hlavní stranu webu sekci s informacemi o odmítnutých či nedoporučených úvěrech. Jde o situace, kdy jsem ještě před vypsáním žádosti o úvěr klientům rozmluvila záměr si úvěr vzít.

Prosím vždy, když budete přemýšlet nad možností zadlužit se, položte si tyto otázky:

• zda není/je účel úvěru rozmarem?
• zda je pořizovací cena úměrná skutečné hodnotě (při koupi nemovitosti k tomu dobře slouží odhady bank, nicméně pro první nástřel stačí porovnat přepočet ceny na metr čtvereční s obdobnými nemovitostmi nabízenými například přes sreality.cz)?
• zda jde o investici, díky které následně vyděláte nebo významně ušetříte?
• co když za 5 let, po konci fixace sazby vzrostou a splátka se třeba 2-5000 Kč navýší ?

Klientům, kteří se mnou chtějí řešit úvěr radím v duchu „pokud se zadlužit, tak jen rozumně“. Lámat věc přes koleno, koupit nemovitost za každou cenu nebo se zadlužovat z rozmaru určitě není správná cesta. Nevhodných rozhodnutí se snažím své klienty vyvarovat.

#### petra.cervenakova@email.cz

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