[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sta-fas.cz\/shanite-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.sta-fas.cz\/shanite-pujcku\/","headline":"Sh\u00e1n\u00edte p\u016fj\u010dku?","name":"Sh\u00e1n\u00edte p\u016fj\u010dku?","description":"O tom, \u017ee \u010dlov\u011bk pot\u0159ebuje k \u017eivotu pen\u00edze, ur\u010dit\u011b nen\u00ed sporu. Je to naprosto stejn\u00e1 pravda jako ta skute\u010dnost, \u017ee i kdy\u017e lid\u00e9 pen\u00edze m\u00edt cht\u011bj\u00ed, nejednou je nemaj\u00ed. I kdy\u017e se t\u0159eba sna\u017e\u00ed sebev\u00edc, ne v\u017edy se poda\u0159\u00ed vyd\u011blat tolik, aby t\u00edm byly uhrazeny v\u0161echny \u017eivotn\u00ed n\u00e1klady, aby se poda\u0159ilo zaplatit za to, co...","datePublished":"2020-11-22","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\/polsk%C3%A9%20mince_4.jpg","url":"https:\/\/www.sta-fas.cz\/wp-content\/uploads\/polsk%C3%A9%20mince_4.jpg","height":0,"width":0},"url":"https:\/\/www.sta-fas.cz\/shanite-pujcku\/","about":["Finance"],"wordCount":457,"articleBody":"   O tom, \u017ee \u010dlov\u011bk pot\u0159ebuje k \u017eivotu pen\u00edze, ur\u010dit\u011b nen\u00ed sporu. Je to naprosto stejn\u00e1 pravda jako ta skute\u010dnost, \u017ee i kdy\u017e lid\u00e9 pen\u00edze m\u00edt cht\u011bj\u00ed, nejednou je nemaj\u00ed. I kdy\u017e se t\u0159eba sna\u017e\u00ed sebev\u00edc, ne v\u017edy se poda\u0159\u00ed vyd\u011blat tolik, aby t\u00edm byly uhrazeny v\u0161echny \u017eivotn\u00ed n\u00e1klady, aby se poda\u0159ilo zaplatit za to, co doty\u010dn\u00fd pot\u0159ebuje nebo chce m\u00edt.Jen\u017ee platit se v \u017eivot\u011b mus\u00ed, a ne v\u017edy se tedy d\u00e1 finan\u010dn\u00ed t\u00edse\u0148 zvl\u00e1dat. I kdy\u017e se tato n\u011bkdy d\u00e1 vydr\u017eet, a to tak, \u017ee se zkr\u00e1tka omez\u00ed v\u00fddaje, kter\u00e9 nejsou naprosto nezbytn\u00e9, jsou i situace, kdy ani to \u0159e\u0161en\u00edm nen\u00ed, kdy ani to nesta\u010d\u00ed. A co si po\u010d\u00edt pak?Pak u\u017e se \u010dasto d\u00e1 jedin\u011b vz\u00edt n\u011bjak\u00e1 p\u016fj\u010dka, d\u00edky n\u00ed\u017e by se dalo zaplatit za v\u0161echno, co je pot\u0159eba, s t\u00edm, \u017ee se takov\u00e9 p\u016fj\u010den\u00e9 pen\u00edze pozd\u011bji splat\u00ed, a\u017e zase bude z \u010deho.Jen\u017ee to znamen\u00e1, \u017ee \u010dlov\u011bk pot\u0159ebuje jistotu, \u017ee bude po vzet\u00ed si p\u016fj\u010dky skute\u010dn\u011b na spl\u00e1cen\u00ed m\u00edt. A nejen \u017ee tuto jistotu pot\u0159ebuje \u017eadatel o p\u016fj\u010dku s\u00e1m, ale p\u0159\u00edmo ji vy\u017eaduj\u00ed i finan\u010dn\u00ed instituce, je\u017e p\u016fj\u010dky nab\u00edzej\u00ed. Ty logicky cht\u011bj\u00ed, aby se jim p\u016fj\u010den\u00e9 pen\u00edze vracely, a proto vy\u017eaduj\u00ed nejr\u016fzn\u011bj\u0161\u00ed zp\u016fsoby prok\u00e1z\u00e1n\u00ed toho, \u017ee budou dlu\u017en\u00edci vracet tak, jak maj\u00ed. A kdy\u017e to \u010dlov\u011bk prok\u00e1zat nesvede, m\u00e1 zkr\u00e1tka sm\u016flu a p\u016fj\u010dky se nedo\u010dk\u00e1.Jen\u017ee to, \u017ee se finan\u010dn\u00ed instituce nehrnou do p\u016fj\u010dov\u00e1n\u00ed t\u011bm, kdo nedok\u00e1\u017eou stoprocentn\u011b a nepochybn\u011b zaru\u010dit n\u00e1vratnost poskytnut\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f, neznamen\u00e1, \u017ee se ti neuspokojen\u00ed zkr\u00e1tka se svou b\u00eddou sm\u00ed\u0159\u00ed. I ti \u2013 a mo\u017en\u00e1 p\u0159edev\u0161\u00edm tito \u2013 si zkr\u00e1tka p\u016fj\u010dit mus\u00ed. A kdy\u017e se nedo\u010dkaj\u00ed pomoci v bank\u00e1ch, p\u0159ich\u00e1z\u00ed jim vhod hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. U t\u00e9to p\u016fj\u010dky se toti\u017e spl\u00e1cen\u00ed zaji\u0161\u0165uje z\u00e1stavou nemovitosti, a to je dostate\u010dn\u00e1 jistota na to, aby se tu \u017eadatel do\u010dkal t\u0159eba i velk\u00fdch pen\u011bz na dlouhou dobu a s n\u00edzk\u00fdmi spl\u00e1tkami.A proto si lid\u00e9 nejednou pr\u00e1v\u011b takovou nebankovn\u00ed hypot\u00e9ku berou. D\u00edky n\u00ed toti\u017e mohou p\u0159e\u010dkat zl\u00e9 \u010dasy, i kdy\u017e jim nikdo jin\u00fd pomoci nechce.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sh\u00e1n\u00edte p\u016fj\u010dku?","item":"https:\/\/www.sta-fas.cz\/shanite-pujcku\/#breadcrumbitem"}]}]