[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.artcat.cz\/jaka-pujcka-pomuze\/#Article","mainEntityOfPage":"https:\/\/www.artcat.cz\/jaka-pujcka-pomuze\/","headline":"Jak\u00e1 p\u016fj\u010dka pom\u016f\u017ee?","name":"Jak\u00e1 p\u016fj\u010dka pom\u016f\u017ee?","description":"Jestli\u017ee n\u011bkdo nem\u00e1 tolik finan\u010dn\u00edch prost\u0159edk\u016f, kolik jich pot\u0159ebuje, m\u00e1 to v sou\u010dasnosti t\u011b\u017ek\u00e9. Pen\u011bz je toti\u017e t\u0159eba k \u017eivotu, a nejen to. Z\u00e1rove\u0148 je jich t\u0159eba tak\u00e9 proto, \u017ee jsou tyto do zna\u010dn\u00e9 m\u00edry m\u011b\u0159\u00edtkem, j\u00edm\u017e se ur\u010duje spole\u010densk\u00e9 postaven\u00ed, a kdo je nem\u00e1, ten je nejednou vylou\u010den z \u0159ad ostatn\u00edch, t\u011bch, kdo maj\u00ed […]","datePublished":"2019-11-26","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.artcat.cz\/author\/#Person","name":"artcat.cz\n","url":"https:\/\/www.artcat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/633c8fb9866a4b0403353760c35030d9478298d226363320d7bf91cdc3dbe3b6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/633c8fb9866a4b0403353760c35030d9478298d226363320d7bf91cdc3dbe3b6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"artcat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.artcat.cz\/wp-content\/uploads\/img_a370458_w2149_t1582111143.jpg","url":"https:\/\/www.artcat.cz\/wp-content\/uploads\/img_a370458_w2149_t1582111143.jpg","height":0,"width":0},"url":"https:\/\/www.artcat.cz\/jaka-pujcka-pomuze\/","about":["Ekonomika"],"wordCount":462,"articleBody":"        Jestli\u017ee n\u011bkdo nem\u00e1 tolik finan\u010dn\u00edch prost\u0159edk\u016f, kolik jich pot\u0159ebuje, m\u00e1 to v sou\u010dasnosti t\u011b\u017ek\u00e9. Pen\u011bz je toti\u017e t\u0159eba k \u017eivotu, a nejen to. Z\u00e1rove\u0148 je jich t\u0159eba tak\u00e9 proto, \u017ee jsou tyto do zna\u010dn\u00e9 m\u00edry m\u011b\u0159\u00edtkem, j\u00edm\u017e se ur\u010duje spole\u010densk\u00e9 postaven\u00ed, a kdo je nem\u00e1, ten je nejednou vylou\u010den z \u0159ad ostatn\u00edch, t\u011bch, kdo maj\u00ed pen\u011bz dost. Je \u201ahanbou spole\u010dnosti\u2018. A co si budeme namlouvat? Nikdo nechce b\u00fdt v pozici toho, kdo nem\u00e1 nejen na nakupov\u00e1n\u00ed toho, co by r\u00e1d m\u011bl, ale ani na po\u0159\u00edzen\u00ed si toho, co je zcela nezbytn\u00e9. A proto se to ka\u017ed\u00fd sna\u017e\u00ed zaona\u010dit tak, aby nakonec se sv\u00fdmi financemi vych\u00e1zel. A nezaberou-li ani \u00fasporn\u00e1 opat\u0159en\u00ed, ani zv\u00fd\u0161en\u00e1 snaha si chyb\u011bj\u00edc\u00ed prost\u0159edky vyd\u011blat, vol\u00ed se \u0159e\u0161en\u00ed v podob\u011b p\u016fj\u010dky. A t\u0159eba takov\u00e1 americk\u00e1 hypot\u00e9ka nebankovn\u00ed m\u016f\u017ee b\u00fdt v\u00edce ne\u017e uspokojuj\u00edc\u00edm \u0159e\u0161en\u00edm. Proto\u017ee m\u00e1 nejednu p\u0159ednost, j\u00ed\u017e se jen tak n\u011bjak\u00e1 nab\u00eddka py\u0161nit nem\u016f\u017ee. Vezm\u011bte si t\u0159eba takovou ot\u00e1zku p\u0159\u00edjm\u016f \u010di da\u0148ov\u00fdch p\u0159izn\u00e1n\u00ed. Jak jenom na t\u011bchto z\u00e1le\u017e\u00ed v bank\u00e1ch, kolik jenom tady mus\u00ed \u017eadatel\u00e9 prok\u00e1zat, aby usp\u011bli! Zat\u00edmco u nebankovn\u00ed hypot\u00e9ky plat\u00ed pouze to, \u017ee by m\u011bly \u017eadatelovy p\u0159\u00edjmy sta\u010dit na spl\u00e1cen\u00ed. Nebo co takov\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f? Kdo je nem\u00e1, m\u00e1 vystar\u00e1no, ale co ten, kdo n\u011bjak\u00e9 m\u00e1? Tomu v bance \u017e\u00e1dost zam\u00edtnou. U nebankovn\u00ed spole\u010dnosti se zm\u00edn\u011bn\u00fdm produktem ale ne. U podobn\u00e9 hypot\u00e9ky pak nevad\u00ed dokonce ani exekuce na majetek nebo jin\u00e9 p\u016fj\u010dky, kter\u00e9 u\u017e si \u017eadatel d\u0159\u00edve vzal. A jedinou \u201avadou na kr\u00e1se\u2018 je tu to, \u017ee ani u nebankovn\u00ed p\u016fj\u010dky se to neobejde bez z\u00e1ruk, \u017ee budou p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1ceny. Ale to se tu da\u0159\u00ed zvl\u00e1dnout i t\u011bm, kdo rozhodn\u011b nevypadaj\u00ed jako ide\u00e1ln\u00ed \u017eadatel\u00e9. Proto\u017ee tady je t\u0159eba d\u00e1t za p\u016fj\u010dku do z\u00e1stavy nemovitost. Kdo tak m\u016f\u017ee u\u010dinit, m\u00e1 sv\u00e9 jist\u00e9, kdo ne, m\u00e1 pro zm\u011bnu sm\u016flu. Ale v\u011bt\u0161ina na\u0161inc\u016f tu m\u00e1 \u0161t\u011bst\u00ed. A dostane tak za ide\u00e1ln\u00edch podm\u00ednek klidn\u011b i nem\u00e1lo pen\u011bz, je\u017e se daj\u00ed vyu\u017e\u00edt lecjak. V\u017edy v\u0161ak ku prosp\u011bchu dlu\u017en\u00edka, jeho\u017e jedinou povinnost\u00ed je tu podle dohody zase v\u0161e \u0159\u00e1dn\u011b vr\u00e1tit.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 p\u016fj\u010dka pom\u016f\u017ee?","item":"https:\/\/www.artcat.cz\/jaka-pujcka-pomuze\/#breadcrumbitem"}]}]