[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.modanelli.cz\/jak-se-bere-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.modanelli.cz\/jak-se-bere-pujcka\/","headline":"Jak se bere p\u016fj\u010dka?","name":"Jak se bere p\u016fj\u010dka?","description":"Spoust\u011b lid\u00ed se n\u011bkdy v \u017eivot\u011b stane, \u017ee jim dojdou pen\u00edze. Je to tak dnes, bylo tomu tak v minulosti a ani v budoucnosti to ur\u010dit\u011b nebude jin\u00e9. Lid\u00e9 si prost\u011b p\u0159ijdou prac\u00ed nebo n\u011bjak\u00fdm jin\u00fdm zp\u016fsobem na n\u011bjak\u00e9 pen\u00edze, plat\u00ed jimi, a ne\u017e se nad\u011bj\u00ed, mohou pen\u00edze doj\u00edt, a\u010d by jich bylo st\u00e1le je\u0161t\u011b […]","datePublished":"2022-01-28","dateModified":"2022-01-28","author":{"@type":"Person","@id":"https:\/\/www.modanelli.cz\/author\/#Person","name":"","url":"https:\/\/www.modanelli.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":"modanelli.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.modanelli.cz\/wp-content\/uploads\/art419439_16x9_20260927_054927_9coKbM.jpg","url":"https:\/\/www.modanelli.cz\/wp-content\/uploads\/art419439_16x9_20260927_054927_9coKbM.jpg","height":0,"width":0},"url":"https:\/\/www.modanelli.cz\/jak-se-bere-pujcka\/","about":["Finance"],"wordCount":432,"articleBody":"       Spoust\u011b lid\u00ed se n\u011bkdy v \u017eivot\u011b stane, \u017ee jim dojdou pen\u00edze. Je to tak dnes, bylo tomu tak v minulosti a ani v budoucnosti to ur\u010dit\u011b nebude jin\u00e9. Lid\u00e9 si prost\u011b p\u0159ijdou prac\u00ed nebo n\u011bjak\u00fdm jin\u00fdm zp\u016fsobem na n\u011bjak\u00e9 pen\u00edze, plat\u00ed jimi, a ne\u017e se nad\u011bj\u00ed, mohou pen\u00edze doj\u00edt, a\u010d by jich bylo st\u00e1le je\u0161t\u011b zapot\u0159eb\u00ed. Proto\u017ee jich nebylo dost, nebo se vyskytly v\u00fddaje, na kter\u00e9 u\u017e prost\u011b nezbylo.  A jak se ur\u010dit\u011b shodneme, nen\u00ed zrovna p\u0159\u00edjemn\u00e9 pen\u00edze nem\u00edt. Zat\u00edmco s nimi m\u00e1me v\u0161echno, na co si jenom vzpomeneme, bez nich si nic nekoup\u00edme ani n\u00e1m nikdo neposkytne sv\u00e9 slu\u017eby. A kdy\u017e tak nem\u00e1me pen\u00edze, jsme tu na v\u0161echno sami, a co si nedok\u00e1\u017eeme po\u0159\u00eddit vlastn\u00edmi silami, to nem\u00e1me. Jen\u017ee my lid\u00e9 nejsme u\u017e dlouho sob\u011bsta\u010dn\u00ed. Mus\u00edme velice \u010dasto vyu\u017e\u00edvat ciz\u00ed nab\u00eddky, abychom uspokojili sv\u00e9 pot\u0159eby, a to znamen\u00e1, \u017ee se bez pen\u011bz neobejdeme. A pokud nem\u00e1me do\u010dasn\u011b finan\u010dn\u00ed prost\u0159edky vlastn\u00ed, mus\u00edme vz\u00edt v p\u0159\u00edpad\u011b t\u00edsn\u011b zavd\u011bk aspo\u0148 n\u011bjakou p\u016fj\u010dkou. Ta n\u00e1m toti\u017e umo\u017en\u00ed vypo\u0159\u00e1dat se se sou\u010dasn\u00fdmi finan\u010dn\u00edmi prost\u0159edky a splatit ji pozd\u011bji, a\u017e zase budeme m\u00edt p\u0159\u00edjmy. Ale ono nejde jenom tak p\u0159ij\u00edt do banky a \u0159\u00edci si o pen\u00edze. Nebo si tedy p\u0159esn\u011bji o pen\u00edze \u0159\u00edci m\u016f\u017eeme, ale \u010dasto n\u00e1m je tam nedaj\u00ed. Proto\u017ee nejsme-li bonitn\u00ed, tedy m\u00e1me-li nedostatky, kter\u00e9 zpochyb\u0148uj\u00ed na\u0161i schopnost spl\u00e1cet, \u010dasto n\u00e1m odm\u00edtnou vyhov\u011bt. Je jist\u011bj\u0161\u00ed n\u011bkomu nep\u016fj\u010dit, ne\u017e d\u00e1t pen\u00edze n\u011bkomu, kdo u\u017e je nedok\u00e1\u017ee vr\u00e1tit. A kdy\u017e kv\u016fli tomu neusp\u011bje \u010dlov\u011bk v bance? Pak je tu pro n\u011bj aspo\u0148 po\u0159\u00e1d je\u0161t\u011b docela v\u00fdhodn\u00e1 a sou\u010dasn\u011b i dosa\u017eiteln\u00e1 nebankovn\u00ed hypot\u00e9ka, kterou m\u016f\u017ee m\u00edt ka\u017ed\u00fd, kdo ji je schopen spl\u00e1cet a kdo se za spl\u00e1cen\u00ed zaru\u010d\u00ed z\u00e1stavou nemovitosti. U nebankovn\u00ed hypot\u00e9ky toti\u017e nesehr\u00e1vaj\u00ed rozhoduj\u00edc\u00ed roli ani z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, ba ani exekuce, \u010dlov\u011bk nemus\u00ed m\u00edt ani p\u0159\u00edli\u0161 mnoho pen\u011bz, aby dostal to, co pot\u0159ebuje. A spl\u00e1cen\u00ed se mu tu nastav\u00ed tak, aby to zvl\u00e1dnul.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se bere p\u016fj\u010dka?","item":"https:\/\/www.modanelli.cz\/jak-se-bere-pujcka\/#breadcrumbitem"}]}]