[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dusp.cz\/penize-schazet-nemusi\/#Article","mainEntityOfPage":"https:\/\/www.dusp.cz\/penize-schazet-nemusi\/","headline":"Pen\u00edze sch\u00e1zet nemus\u00ed","name":"Pen\u00edze sch\u00e1zet nemus\u00ed","description":"Spousta lid\u00ed aspo\u0148 n\u011bkdy \u0159e\u0161\u00ed finan\u010dn\u00ed probl\u00e9my. M\u016f\u017ee je m\u00edt kdokoliv, ale je pochopiteln\u00e9, \u017ee by je nejrad\u011bji nikdo nem\u011bl, kdyby to \u0161lo. Jen\u017ee co kdy\u017e to nejde, co kdy\u017e nen\u00ed pen\u011bz dost a tyto tedy n\u011bkomu z n\u00e1s chyb\u00ed? Jist\u011b, prvn\u00ed, co ka\u017ed\u00e9ho z n\u00e1s z\u0159ejm\u011b napadne, je to, \u017ee by takov\u00fd \u010dlov\u011bk m\u011bl […]","datePublished":"2022-05-30","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.dusp.cz\/author\/#Person","name":"","url":"https:\/\/www.dusp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dusp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dusp.cz\/wp-content\/uploads\/eura%20v%20ob%C3%A1lce_5.jpg","url":"https:\/\/www.dusp.cz\/wp-content\/uploads\/eura%20v%20ob%C3%A1lce_5.jpg","height":0,"width":0},"url":"https:\/\/www.dusp.cz\/penize-schazet-nemusi\/","about":["Pen\u00edze"],"wordCount":430,"articleBody":"   Spousta lid\u00ed aspo\u0148 n\u011bkdy \u0159e\u0161\u00ed finan\u010dn\u00ed probl\u00e9my. M\u016f\u017ee je m\u00edt kdokoliv, ale je pochopiteln\u00e9, \u017ee by je nejrad\u011bji nikdo nem\u011bl, kdyby to \u0161lo. Jen\u017ee co kdy\u017e to nejde, co kdy\u017e nen\u00ed pen\u011bz dost a tyto tedy n\u011bkomu z n\u00e1s chyb\u00ed? Jist\u011b, prvn\u00ed, co ka\u017ed\u00e9ho z n\u00e1s z\u0159ejm\u011b napadne, je to, \u017ee by takov\u00fd \u010dlov\u011bk m\u011bl p\u0159estat utr\u00e1cet. Jen\u017ee \u2013 jak v\u0161ichni dob\u0159e v\u00edme \u2013 nen\u00ed takov\u00e9 \u0159e\u0161en\u00ed v praxi realizovateln\u00e9. My lid\u00e9 po\u0159\u00e1d n\u011bco pot\u0159ebujeme, a tud\u00ed\u017e i po\u0159\u00e1d plat\u00edme. A nelze se tomu vyhnout.A kdy\u017e tedy utr\u00e1cet mus\u00edme, ale nem\u00e1me co? Co potom s t\u00edm? Jak to za\u0159\u00eddit, abychom aspo\u0148 na d\u016fle\u017eit\u00e9 v\u00fddaje pen\u00edze m\u011bli? Logicky se nab\u00edz\u00ed snad u\u017e jedin\u011b p\u016fj\u010dka. Proto\u017ee kdyby to \u0161lo za\u0159\u00eddit jinak, \u010dlov\u011bk by si to jinak za\u0159\u00eddil a nenechal to doj\u00edt a\u017e do situace, kdy u\u017e nev\u00ed, kudy kam.A kdy\u017e \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dku, samoz\u0159ejm\u011b se poohl\u00ed\u017e\u00ed po n\u011bkom, od koho by ji mohl dostat. A je ur\u010dit\u011b dob\u0159e, kdy\u017e n\u011bkoho najde.Jen\u017ee najde se v\u017edy aspo\u0148 n\u011bjak\u00e1 banka, kter\u00e1 by \u010dlov\u011bku v jeho nez\u00e1vid\u011bn\u00edhodn\u00e9 ekonomick\u00e9 situaci v\u017edycky pomohla? Jak asi jist\u011b spr\u00e1vn\u011b tu\u0161\u00edte, nenajde se. N\u011bkte\u0159\u00ed lid\u00e9 jsou na tom u\u017e tak zle, \u017ee se jim v bank\u00e1ch nev\u011b\u0159\u00ed, a kv\u016fli n\u00edzk\u00fdm p\u0159\u00edjm\u016fm, z\u00e1znam\u016fm v registrech dlu\u017en\u00edk\u016f a exekuc\u00edm jsou pak tito odm\u00edt\u00e1ni. Nesplnili krit\u00e9ria, kter\u00e1 banky maj\u00ed, nejsou tedy bonitn\u00ed. A maj\u00ed sm\u016flu.Ale sm\u016flu tak\u00e9 m\u00edt nemus\u00ed, kdy\u017e znaj\u00ed i jin\u00e9 \u0159e\u0161en\u00ed, ne\u017e jen bankovn\u00ed p\u016fj\u010dky. Kdy\u017e je n\u011bkomu zn\u00e1ma t\u0159eba americk\u00e1 hypot\u00e9ka bez registru, nemus\u00ed se tento velice \u010dasto sv\u00e9 \u0161patn\u00e9 finan\u010dn\u00ed situace v\u016fbec b\u00e1t. Pokud vlastn\u00ed \u010dlov\u011bk nemovitost a d\u00e1 ji nebankovn\u00ed spole\u010dnosti do z\u00e1stavy, m\u016f\u017ee si za to klidn\u011b hned p\u016fj\u010dit i velk\u00e9 pen\u00edze. A u\u017e nemus\u00ed \u0159e\u0161it ot\u00e1zku toho, jak vy\u017eije do dal\u0161\u00ed v\u00fdplaty, zda bude za co j\u00edst, \u010d\u00edm uhradit n\u00e1jem a podobn\u011b.V nebankovn\u00ed spole\u010dnosti se prost\u011b spokoj\u00ed s nemovitou z\u00e1rukou, a z ni\u010deho dal\u0161\u00edho u\u017e tu ned\u011blaj\u00ed v\u011bdu.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze sch\u00e1zet nemus\u00ed","item":"https:\/\/www.dusp.cz\/penize-schazet-nemusi\/#breadcrumbitem"}]}]