[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sta-fas.cz\/nekdy-penize-nevystaci\/#Article","mainEntityOfPage":"https:\/\/www.sta-fas.cz\/nekdy-penize-nevystaci\/","headline":"N\u011bkdy pen\u00edze nevysta\u010d\u00ed","name":"N\u011bkdy pen\u00edze nevysta\u010d\u00ed","description":"\u010clov\u011bka, kter\u00fd m\u00e1 spoustu pen\u011bz, pozn\u00e1me od chud\u00e1ka obvykle u\u017e na prvn\u00ed pohled. Sta\u010d\u00ed se pod\u00edvat, jak se doty\u010dn\u00ed chovaj\u00ed, jak vystupuj\u00ed a co vlastn\u00ed, a hned pozn\u00e1me, kdo m\u00e1 pen\u011bz na rozhazov\u00e1n\u00ed a kdo m\u00e1 jednu kapsu pr\u00e1zdnou a druhou vysypanou. A kdybychom si mohli vybrat, zda bychom cht\u011bli b\u00fdt boh\u00e1\u010di nebo chud\u00e1ky, ur\u010dit\u011b...","datePublished":"2022-02-08","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.sta-fas.cz\/author\/#Person","name":"","url":"https:\/\/www.sta-fas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sta-fas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sta-fas.cz\/wp-content\/uploads\/eura%20mince_10_10_10_10_10_9.jpg","url":"https:\/\/www.sta-fas.cz\/wp-content\/uploads\/eura%20mince_10_10_10_10_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.sta-fas.cz\/nekdy-penize-nevystaci\/","about":["Finance"],"wordCount":425,"articleBody":"   \u010clov\u011bka, kter\u00fd m\u00e1 spoustu pen\u011bz, pozn\u00e1me od chud\u00e1ka obvykle u\u017e na prvn\u00ed pohled. Sta\u010d\u00ed se pod\u00edvat, jak se doty\u010dn\u00ed chovaj\u00ed, jak vystupuj\u00ed a co vlastn\u00ed, a hned pozn\u00e1me, kdo m\u00e1 pen\u011bz na rozhazov\u00e1n\u00ed a kdo m\u00e1 jednu kapsu pr\u00e1zdnou a druhou vysypanou. A kdybychom si mohli vybrat, zda bychom cht\u011bli b\u00fdt boh\u00e1\u010di nebo chud\u00e1ky, ur\u010dit\u011b bychom up\u0159ednostnili to prvn\u00ed. Ka\u017ed\u00fd z n\u00e1s by m\u011bl rad\u011bji v\u00edc pen\u011bz, ne\u017e kolik jich pot\u0159ebuje, ne\u017e aby si musel utahovat opasek a \u0161et\u0159it ka\u017edou korunu.A tak se sna\u017e\u00edme si co nejv\u00edce vyd\u011blat. \u010casto se \u017eeneme za pen\u011bzi, a to klidn\u011b i na \u00fakor \u010dehokoliv jin\u00e9ho. Hlavn\u00ed je b\u00fdt finan\u010dn\u011b zaji\u0161t\u011bn\u00ed.A co kdy\u017e toho n\u011bkdo n\u011bkdy nedos\u00e1hne? Co kdy\u017e se n\u011bkdo (lhostejno zda zam\u011bstnanec nebo soukrom\u00fd podnikatel) sna\u017e\u00ed, ale p\u0159esto ne a ne m\u00edt aspo\u0148 na naprost\u00e9 minimum toho, co je k \u017eivotu pot\u0159eba, respektive co kdy\u017e je n\u011bkdo n\u011bkdy zasko\u010den moment\u00e1ln\u00edmi a nep\u0159edpokl\u00e1dan\u00fdmi finan\u010dn\u00edmi pot\u00ed\u017eemi? Pak si n\u011bkdo takov\u00fd pochopiteln\u011b chce vz\u00edt p\u016fj\u010dku. Aby zase pen\u00edze m\u011bl, by\u0165 t\u0159eba ne vlastn\u00ed.P\u016fj\u010dka sice nen\u00ed dokonal\u00fdm \u0159e\u0161en\u00edm finan\u010dn\u00ed t\u00edsn\u011b, proto\u017ee n\u00e1m ji nikdo ned\u00e1v\u00e1 nav\u011bky a mus\u00edme ji tak pozd\u011bji zase splatit, ale i tak je tato v mnoha situac\u00edch prosp\u011b\u0161n\u00e1. Tedy pokud ji dostaneme. Jen\u017ee my ji tak\u00e9 nejednou nez\u00edsk\u00e1me. Kdy\u017e za\u017e\u00e1d\u00e1me v bance, m\u016f\u017ee se lehce st\u00e1t, \u017ee n\u00e1m ji bankovn\u00ed \u00fa\u0159edn\u00edci up\u0159ou s t\u00edm, \u017ee nejsme bonitn\u00ed, \u017ee nem\u00e1me n\u00e1le\u017eit\u011b vysok\u00e9 p\u0159\u00edjmy, \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a podobn\u011b.A jak d\u00e1l? Obvykle je nejjednodu\u0161\u0161\u00ed vz\u00edt si nebankovn\u00ed hypot\u00e9ku. Pokud toti\u017e vlastn\u00edme aspo\u0148 n\u011bjakou nemovitost a m\u00e1me z \u010deho spl\u00e1cet, jsou hypot\u00e9ky bez registru https:\/\/www.hypotekybezregistru.cz\/ s\u00e1zkou na jistotu. Dostaneme je klidn\u011b i tehdy, kdy\u017e by n\u00e1s v bance nechali na holi\u010dk\u00e1ch.A tak je lep\u0161\u00ed se obr\u00e1tit na nebankovn\u00ed spole\u010dnost, po\u017e\u00e1dat ji o takovou nebankovn\u00ed hypot\u00e9ku, zaru\u010dit se z\u00e1stavou nemovitosti, dohodnout se na podm\u00ednk\u00e1ch takov\u00e9 p\u016fj\u010dky a inkasovat.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u011bkdy pen\u00edze nevysta\u010d\u00ed","item":"https:\/\/www.sta-fas.cz\/nekdy-penize-nevystaci\/#breadcrumbitem"}]}]