[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.os-onyx.cz\/kde-si-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.os-onyx.cz\/kde-si-pujcit\/","headline":"Kde si p\u016fj\u010dit?","name":"Kde si p\u016fj\u010dit?","description":"Lid\u00e9 pot\u0159ebuj\u00ed pen\u00edze, ov\u0161em navzdory t\u00e9to pot\u0159eb\u011b jich nejednou nemaj\u00ed dostatek. N\u011bkdy tak chce \u010dlov\u011bk … ","datePublished":"2021-04-18","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.os-onyx.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.os-onyx.cz\/author\/devene\/","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":"os-onyx.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.os-onyx.cz\/wp-content\/uploads\/dolar%20a%20%C5%BEebr%C3%A1k.jpg","url":"https:\/\/www.os-onyx.cz\/wp-content\/uploads\/dolar%20a%20%C5%BEebr%C3%A1k.jpg","height":0,"width":0},"url":"https:\/\/www.os-onyx.cz\/kde-si-pujcit\/","about":["Pen\u00edze"],"wordCount":451,"articleBody":"    Lid\u00e9 pot\u0159ebuj\u00ed pen\u00edze, ov\u0161em navzdory t\u00e9to pot\u0159eb\u011b jich nejednou nemaj\u00ed dostatek. N\u011bkdy tak chce \u010dlov\u011bk utr\u00e1cet, jen\u017ee ke sv\u00e9 nelibosti zjist\u00ed, \u017ee u\u017e tak nem\u016f\u017ee \u010dinit, proto\u017ee je finan\u010dn\u011b na dn\u011b. A proto\u017ee je to situace dlouhodob\u011b neudr\u017eiteln\u00e1, proto\u017ee nikdo nevydr\u017e\u00ed bez mo\u017enosti po\u0159izovat si v\u011bci d\u016fle\u017eit\u00e9 pro b\u011b\u017en\u00fd \u017eivot v\u011b\u010dn\u011b, je nutn\u00e9 takov\u00fd nep\u0159\u00edzniv\u00fd stav v\u011bc\u00ed \u0159e\u0161it, tedy je t\u0159eba zajistit, aby se p\u0159inejmen\u0161\u00edm na to nejz\u00e1sadn\u011bj\u0161\u00ed, bez \u010deho se nelze obej\u00edt, finance sehnaly. A kdy\u017e se tyto neda\u0159\u00ed vyd\u011blat? Pak m\u016f\u017ee nejednou p\u0159ij\u00edt vhod t\u0159eba i p\u016fj\u010dka. I ta m\u016f\u017ee \u2013 by\u0165 jenom do\u010dasn\u011b \u2013 zbavit \u010dlov\u011bka existen\u010dn\u00edch starost\u00ed, i d\u00edky n\u00ed se d\u00e1 zajistit veden\u00ed norm\u00e1ln\u00edho \u017eivota a\u017e do doby, ne\u017e se \u010dlov\u011bku poda\u0159\u00ed za\u010d\u00edt zase dost vyd\u011bl\u00e1vat.  Jen\u017ee kdo \u010dlov\u011bku p\u016fj\u010dku poskytne? Pokud je doty\u010dn\u00fd v dobr\u00e9 finan\u010dn\u00ed kondici, m\u00e1 dost slu\u0161n\u00fd v\u00fdb\u011br, n\u011bkomu takov\u00e9mu jsou ochotny pomoci r\u016fzn\u00e9 finan\u010dn\u00ed instituce. Ale jakmile je \u010dlov\u011bk skute\u010dn\u011b v t\u00edsni, jakmile m\u00e1 hluboko do kapsy, to je jin\u00e1. V tu chv\u00edli se zejm\u00e9na v klasick\u00fdch bank\u00e1ch na \u00fasp\u011bch p\u0159i z\u00edsk\u00e1v\u00e1n\u00ed p\u016fj\u010dky vsadit ned\u00e1. Proto\u017ee banky maj\u00ed p\u0159\u00edsn\u00e1 pravidla, jimi\u017e se v t\u011bchto z\u00e1le\u017eitostech \u0159\u00edd\u00ed, a tak sta\u010d\u00ed t\u0159eba i jenom nepatrn\u011b ni\u017e\u0161\u00ed p\u0159\u00edjem nebo n\u011bjak\u00fd jedin\u00fd ban\u00e1ln\u00ed z\u00e1znam v registrech dlu\u017en\u00edk\u016f a je po nad\u011bj\u00edch. Je\u0161t\u011b \u017ee m\u00e1me krom\u011b bank i nebankovn\u00ed spole\u010dnosti. Zde se toti\u017e nab\u00edz\u00ed t\u0159eba i hypot\u00e9ka na dru\u017estevn\u00ed byt, d\u00edky n\u00ed\u017e se dostane k pen\u011bz\u016fm i pomalu beznad\u011bjn\u00fd p\u0159\u00edpad.  Ano, i dru\u017estevn\u00ed byt se tu d\u00e1 vlo\u017eit do z\u00e1stavy coby z\u00e1ruka spl\u00e1cen\u00ed a d\u00edky tomu lze \u010derpat pen\u00edze bez zbyte\u010dn\u011b slo\u017eit\u00e9ho a p\u0159\u00edsn\u00e9ho prov\u011b\u0159ov\u00e1n\u00ed \u017eadatelovy situace. Nebankovn\u00ed hypot\u00e9ka tak d\u00e1v\u00e1 \u0161anci na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky i t\u011bm, kdo na tom nejsou nijak valn\u011b. A d\u00edky takov\u00e9 hypot\u00e9ce tak mohou \u017e\u00edt norm\u00e1ln\u00edm \u017eivotem i lid\u00e9 ve v\u00e1\u017en\u00fdch finan\u010dn\u00edch nesn\u00e1z\u00edch. Jenom tito nesm\u00ed zapomenout, \u017ee jde jen o p\u016fj\u010dku a \u017ee tedy takto z\u00edskan\u00e9 pen\u00edze budou muset i vr\u00e1tit.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde si p\u016fj\u010dit?","item":"https:\/\/www.os-onyx.cz\/kde-si-pujcit\/#breadcrumbitem"}]}]