[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.isscb.cz\/taky-si-potrebujete-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.isscb.cz\/taky-si-potrebujete-pujcit\/","headline":"Taky si pot\u0159ebujete p\u016fj\u010dit?","name":"Taky si pot\u0159ebujete p\u016fj\u010dit?","description":"N\u011bkdy nastane situace, kdy lid\u00e9 pot\u0159ebuj\u00ed v\u00edc pen\u011bz, ne\u017e kolik jich vyd\u011blali. D\u016fvod\u016f je nepo\u010d\u00edtan\u011b, a ne v\u017edy jsou tyto takov\u00e9, aby se daly ony platby odlo\u017eit na jindy, a\u017e se pen\u00edze se\u017eenou. Nebo a\u017e se snad se\u017eenou. Docela \u010dasto se mus\u00ed platit i tehdy, kdy\u017e na to pen\u00edze sch\u00e1zej\u00ed, kdy\u017e nelze ot\u00e1let. A aby …","datePublished":"2023-11-19","dateModified":"2023-12-19","author":{"@type":"Person","@id":"https:\/\/www.isscb.cz\/author\/#Person","name":"","url":"https:\/\/www.isscb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9994033610bfa8d5c75e7c2dd1b5bdd54900f4ed2e7e5c6722d4887246e31af4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"isscb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.isscb.cz\/wp-content\/uploads\/european-currency-money-euro-banknotes_550617-24028.jpg","url":"https:\/\/www.isscb.cz\/wp-content\/uploads\/european-currency-money-euro-banknotes_550617-24028.jpg","height":0,"width":0},"url":"https:\/\/www.isscb.cz\/taky-si-potrebujete-pujcit\/","about":["Finance"],"wordCount":429,"articleBody":"   N\u011bkdy nastane situace, kdy lid\u00e9 pot\u0159ebuj\u00ed v\u00edc pen\u011bz, ne\u017e kolik jich vyd\u011blali. D\u016fvod\u016f je nepo\u010d\u00edtan\u011b, a ne v\u017edy jsou tyto takov\u00e9, aby se daly ony platby odlo\u017eit na jindy, a\u017e se pen\u00edze se\u017eenou. Nebo a\u017e se snad se\u017eenou. Docela \u010dasto se mus\u00ed platit i tehdy, kdy\u017e na to pen\u00edze sch\u00e1zej\u00ed, kdy\u017e nelze ot\u00e1let. A aby se zaplatit dalo, mus\u00ed se prost\u011b chyb\u011bj\u00edc\u00ed finan\u010dn\u00ed prost\u0159edky zajistit. A nikdo se nept\u00e1, kde na to \u010dlov\u011bk ve \u0161patn\u00e9 finan\u010dn\u00ed situaci vezme.Nikdo se \u010dlov\u011bka nept\u00e1, kde na to vezme. Ale doty\u010dn\u00fd s\u00e1m se na to pt\u00e1t mus\u00ed. Mus\u00ed si polo\u017eit ot\u00e1zku, jak to jenom zvl\u00e1dnout, a mus\u00ed na ni naj\u00edt uspokojivou odpov\u011b\u010f. Proto\u017ee se \u0159e\u0161en\u00ed nezbytn\u00fdch v\u00fddaj\u016f v dob\u011b nouze naj\u00edt mus\u00ed. Nikdo nem\u016f\u017ee \u0159\u00edci, \u017ee nebude platit, proto\u017ee je na mizin\u011b, a sou\u010dasn\u011b si d\u00e1l u\u017e\u00edvat toho, co je tu ur\u010deno solventn\u00edm lidem.Pokud ale takov\u00fd \u010dlov\u011bk zjist\u00ed, \u017ee si pot\u0159ebn\u00e9 pen\u00edze v dan\u00e9m okam\u017eiku u\u017e nevyd\u011bl\u00e1, a pokud postr\u00e1d\u00e1 i \u00faspory, kter\u00e9 by mu se zvl\u00e1dnut\u00edm jeho situace dok\u00e1zaly pomoci, jak\u00e9 \u0159e\u0161en\u00ed je\u0161t\u011b m\u016f\u017ee naj\u00edt? Ano, obvykle u\u017e jedin\u011b p\u016fj\u010dku.Ale p\u016fj\u010dku nedostane jen tak n\u011bkdo. Na takovou pomoc se mohou spol\u00e9hat jenom ti z n\u00e1s, kte\u0159\u00ed p\u0159esv\u011bd\u010d\u00ed n\u011bkoho z poskytovatel\u016f p\u016fj\u010dek o tom, \u017ee zvl\u00e1dnou v\u0161echno splatit tak, jak se to \u017e\u00e1d\u00e1. Tedy v prvn\u00ed \u0159ad\u011b ti, kdo si jinak vyd\u011bl\u00e1vaj\u00ed docela dost a kdo nemaj\u00ed \u017e\u00e1dn\u00e9 nep\u0159\u00edjemn\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f.Ale v\u011bt\u0161ina t\u011bch, kte\u0159\u00ed pot\u0159ebuj\u00ed pen\u00edze p\u016fj\u010dit, nem\u00e1 ty pr\u00e1v\u011b zm\u00edn\u011bn\u00e9 kvality. A n\u011bkomu s n\u00edzk\u00fdmi p\u0159\u00edjmy a z\u00e1znamy v registrech banky nep\u016fj\u010duj\u00ed. A tak je dobr\u00e9 v\u011bd\u011bt, \u017ee existuje i nebankovn\u00ed hypot\u00e9ka, kter\u00e1 tu m\u016f\u017ee b\u00fdt i pro mnoh\u00e9 banky nezaj\u00edmaj\u00edc\u00ed \u017eadatele. Tady sta\u010d\u00ed m\u00edt nemovitost pou\u017eitelnou jako z\u00e1ruku spl\u00e1cen\u00ed, a na v\u0161em ostatn\u00edm u\u017e se tu d\u00e1 dohodnout. A lidem se tu tedy vyhov\u00ed.A lid\u00e9, kte\u0159\u00ed dostanou nebankovn\u00ed hypot\u00e9ku, pak tedy p\u0159est\u00e1vaj\u00ed b\u00fdt nesolventn\u00edmi. A mohou v\u00e9st docela norm\u00e1ln\u00ed \u017eivot.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Taky si pot\u0159ebujete p\u016fj\u010dit?","item":"https:\/\/www.isscb.cz\/taky-si-potrebujete-pujcit\/#breadcrumbitem"}]}]