[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ppaa.cz\/od-koho-si-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.ppaa.cz\/od-koho-si-pujcit\/","headline":"Od koho si p\u016fj\u010dit?","name":"Od koho si p\u016fj\u010dit?","description":"Spokojen\u00fd \u017eivot z\u00e1vis\u00ed sice na mnoha r\u016fzn\u00fdch aspektech, ka\u017edop\u00e1dn\u011b se ale neobejde bez finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed. K tomu, aby se norm\u00e1ln\u011b \u017eilo, jsou zkr\u00e1tka pen\u00edze pot\u0159eba, … ","datePublished":"2021-02-17","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.ppaa.cz\/author\/#Person","name":"","url":"https:\/\/www.ppaa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ppaa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ppaa.cz\/wp-content\/uploads\/hrst%20minc%C3%AD_1.jpg","url":"https:\/\/www.ppaa.cz\/wp-content\/uploads\/hrst%20minc%C3%AD_1.jpg","height":0,"width":0},"url":"https:\/\/www.ppaa.cz\/od-koho-si-pujcit\/","about":["Ekonomika"],"wordCount":457,"articleBody":"   Spokojen\u00fd \u017eivot z\u00e1vis\u00ed sice na mnoha r\u016fzn\u00fdch aspektech, ka\u017edop\u00e1dn\u011b se ale neobejde bez finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed. K tomu, aby se norm\u00e1ln\u011b \u017eilo, jsou zkr\u00e1tka pen\u00edze pot\u0159eba, a to v takov\u00e9m mno\u017estv\u00ed, aby se jimi poda\u0159ilo pokr\u00fdt p\u0159inejmen\u0161\u00edm naprost\u00e9 minimum pro \u017eivot nezbytn\u00fdch v\u011bc\u00ed a slu\u017eeb.Ov\u0161em \u00fad\u011blem mnoha lid\u00ed je naopak pot\u00fdk\u00e1n\u00ed se s finan\u010dn\u00edmi t\u011b\u017ekostmi. Kdekdo z n\u00e1s si nevyd\u011bl\u00e1 tolik, kolik by pot\u0159eboval, a to n\u011bkdy kv\u016fli n\u00edzk\u00e9 mzd\u011b a jindy pro zm\u011bnu kv\u016fli vysok\u00fdm \u017eivotn\u00edm n\u00e1klad\u016fm. A kdy\u017e se takov\u00e9 finan\u010dn\u00ed pot\u00ed\u017ee objev\u00ed, mus\u00ed se s t\u00edm n\u011bco d\u011blat. A to pokud mo\u017eno d\u0159\u00edve, ne\u017e je pozd\u011b.Kdy\u017e jsou pot\u00ed\u017ee n\u011bkoho takov\u00e9ho jenom do\u010dasn\u00e9, d\u00e1 se to zvl\u00e1dnout t\u0159eba i s pomoc\u00ed p\u016fj\u010dky. To se oslov\u00ed n\u011bjak\u00e1 finan\u010dn\u00ed instituce, za\u017e\u00e1d\u00e1 se v n\u00ed n\u00e1le\u017eit\u00fdm zp\u016fsobem o p\u016fj\u010den\u00ed, a kdy\u017e m\u00e1 \u010dlov\u011bk \u0161t\u011bst\u00ed, je probl\u00e9m vy\u0159e\u0161en. Samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee bude takov\u00fd \u010dlov\u011bk schopen spl\u00e1cet, co\u017e k takov\u00e9 p\u016fj\u010dce pochopiteln\u011b tak\u00e9 pat\u0159\u00ed.Jen\u017ee ono se tak\u00e9 nejednou za\u017e\u00e1d\u00e1, ale n\u00e1sleduje zam\u00edtnut\u00ed \u017e\u00e1dosti. D\u016fvod\u016f, pro\u010d se tak d\u011bje, m\u016f\u017ee b\u00fdt cel\u00e1 \u0159ada, to z\u00e1le\u017e\u00ed na pravidlech, jimi\u017e se ur\u010dit\u00e1 p\u016fj\u010dka a jej\u00ed poskytovatel \u0159\u00edd\u00ed. N\u011bkdy mohou vadit n\u00edzk\u00e9 p\u0159\u00edjmy z\u00e1jemce o p\u016fj\u010den\u00ed si, n\u011bkdy t\u0159eba n\u011bjak\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f, nebo exekuce\u2026 Prost\u011b nen\u00ed-li \u017eadatel bonitn\u00ed, m\u00e1 sm\u016flu. Takov\u00e9mu tu nep\u016fj\u010d\u00ed, i kdyby to pot\u0159eboval sebev\u00edc a sebev\u00edc se du\u0161oval, \u017ee v\u00e1\u017en\u011b dostoj\u00ed sv\u00fdm z\u00e1vazk\u016fm, je\u017e z p\u016fj\u010dky vyplynou.A pak p\u0159ich\u00e1z\u00ed vhod americk\u00e1 hypot\u00e9ka, kterou m\u00e1 \u0161anci z\u00edskat kdokoliv. P\u0159esn\u011bji kdokoliv z t\u011bch, kdo vlastn\u00ed n\u011bjakou nemovitost a mohou tuto d\u00e1t po dobu trv\u00e1n\u00ed t\u00e9to p\u016fj\u010dky do z\u00e1stavy. D\u00edky t\u00e9to z\u00e1stav\u011b se toti\u017e nemus\u00ed kl\u00e1st p\u0159ehnan\u00e9 n\u00e1roky na \u017eadatelovy p\u0159\u00edjmy, d\u00e1 se tu p\u0159imhou\u0159it oko nad n\u011bjak\u00fdm z\u00e1znamem v registrech dlu\u017en\u00edk\u016f \u010di jin\u00fdm probl\u00e9mem. Proto\u017ee nemovitost sk\u00fdt\u00e1 jistotu, \u017ee se nebankovn\u00ed spole\u010dnosti jej\u00ed pen\u00edze vr\u00e1t\u00ed. A kdy\u017e je tomu tak, pro\u010d by nep\u016fj\u010dili?                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Od koho si p\u016fj\u010dit?","item":"https:\/\/www.ppaa.cz\/od-koho-si-pujcit\/#breadcrumbitem"}]}]