[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ivbp.cz\/s-jakou-pujckou-neprohloupite\/#Article","mainEntityOfPage":"https:\/\/www.ivbp.cz\/s-jakou-pujckou-neprohloupite\/","headline":"S jakou p\u016fj\u010dkou neprohloup\u00edte?","name":"S jakou p\u016fj\u010dkou neprohloup\u00edte?","description":"Kdy\u017e se \u010dlov\u011bk dostane do finan\u010dn\u00edch t\u011b\u017ekost\u00ed, mus\u00ed je n\u011bjak vy\u0159e\u0161it. Nelze se tv\u00e1\u0159it, \u017ee takov\u00e9 probl\u00e9my neexistuj\u00ed, proto\u017ee by to vedlo jenom k je\u0161t\u011b v\u011bt\u0161\u00edm pot\u00ed\u017e\u00edm, je\u017e by mohly nakonec vy\u00fastit t\u0159eba i ve skute\u010dnou osobn\u00ed trag\u00e9dii. Proto\u017ee p\u0159estat platit dejme tomu n\u00e1jem, energie, slu\u017eby, dan\u011b a dal\u0161\u00ed odvody st\u00e1tu a dal\u0161\u00edm instituc\u00edm a &hellip; <a href=\"https:\/\/www.ivbp.cz\/s-jakou-pujckou-neprohloupite\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">S jakou p\u016fj\u010dkou neprohloup\u00edte?<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a>","datePublished":"2019-08-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.ivbp.cz\/author\/#Person","name":"ivbp.cz\n","url":"https:\/\/www.ivbp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ivbp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/img_a359821_w1958_t1573745097.jpg","url":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/img_a359821_w1958_t1573745097.jpg","height":0,"width":0},"url":"https:\/\/www.ivbp.cz\/s-jakou-pujckou-neprohloupite\/","about":["Finance"],"wordCount":446,"articleBody":"       Kdy\u017e se \u010dlov\u011bk dostane do finan\u010dn\u00edch t\u011b\u017ekost\u00ed, mus\u00ed je n\u011bjak vy\u0159e\u0161it. Nelze se tv\u00e1\u0159it, \u017ee takov\u00e9 probl\u00e9my neexistuj\u00ed, proto\u017ee by to vedlo jenom k je\u0161t\u011b v\u011bt\u0161\u00edm pot\u00ed\u017e\u00edm, je\u017e by mohly nakonec vy\u00fastit t\u0159eba i ve skute\u010dnou osobn\u00ed trag\u00e9dii. Proto\u017ee p\u0159estat platit dejme tomu n\u00e1jem, energie, slu\u017eby, dan\u011b a dal\u0161\u00ed odvody st\u00e1tu a dal\u0161\u00edm instituc\u00edm a podobn\u011b ve chv\u00edli, kdy se na n\u011b \u010dlov\u011bku nedost\u00e1v\u00e1 pen\u011bz, by byl po\u010d\u00e1tek cesty do horouc\u00edch pekel. Ov\u0161em jak to zaplatit, pokud na to \u010dlov\u011bk nem\u00e1? Nejednou je jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm p\u016fj\u010dka. Proto\u017ee d\u00edky t\u00e9 se \u010dlov\u011bk dostane dostate\u010dn\u011b rychle k pot\u0159ebn\u00fdm financ\u00edm, kter\u00fdch se mu nedost\u00e1v\u00e1, d\u00edky n\u00ed lze uhradit to, co nepo\u010dk\u00e1. A pokud si \u010dlov\u011bk p\u016fj\u010d\u00ed s rozvahou, zvl\u00e1dne v\u0161e postupn\u011b zase splatit a ve\u0161ker\u00e9 probl\u00e9my jsou t\u00edm za\u017eehn\u00e1ny. A jak a od koho si p\u016fj\u010dit?  Pokud m\u00e1 \u010dlov\u011bk skute\u010dn\u00e9 probl\u00e9my (ov\u0161em nemus\u00ed tomu tak nezbytn\u011b b\u00fdt), nejednou mu p\u0159ijde v\u00edce ne\u017e vhod americk\u00e1 hypot\u00e9ka nebankovn\u00ed, kter\u00e1 je jako d\u011blan\u00e1 pr\u00e1v\u011b pro ty, kdo by pro svoje stinn\u00e9 str\u00e1nky neusp\u011bli dost mo\u017en\u00e1 v\u016fbec nikde jinde. Zde toti\u017e zase a\u017e tak moc nez\u00e1le\u017e\u00ed na tom, co je jinde alfou a omegou, jako jsou dejme tomu dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy \u010di dob\u0159e vypadaj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, \u010dist\u00e9 registry dlu\u017en\u00edk\u016f, absence dal\u0161\u00edch dluh\u016f a exekuc\u00ed a podobn\u011b. Nad t\u00edmto lze nejednou p\u0159imhou\u0159it oko. Hlavn\u00ed je, aby byl \u010dlov\u011bk \u017e\u00e1daj\u00edc\u00ed o tuto hypot\u00e9ku schopen d\u00e1t nebankovn\u00ed spole\u010dnosti coby z\u00e1ruku do z\u00e1stavy vhodnou nemovitost a aby mohl prok\u00e1zat, \u017ee jeho p\u0159\u00edjmy posta\u010duj\u00ed ke spl\u00e1cen\u00ed alespo\u0148 t\u011bch nejni\u017e\u0161\u00edch mo\u017en\u00fdch spl\u00e1tek. A je-li tomu tak, nen\u00ed nic, \u010deho by se tu \u017eadatel musel ob\u00e1vat.  P\u016fj\u010dit si tu lze a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny on\u00e9 do z\u00e1stavy dan\u00e9 nemovitosti, a to na rok stejn\u011b jako t\u0159eba i na t\u0159icet let, s p\u0159ijateln\u00fdmi \u00faroky a mo\u017enost\u00ed vr\u00e1tit v\u0161e i p\u0159ed\u010dasn\u011b a bez sankc\u00ed, s rychl\u00fdm a jednoduch\u00fdm vy\u0159\u00edzen\u00edm a nejednou dal\u0161\u00ed p\u0159ednost\u00ed. A kdo by tomu v nouzi dok\u00e1zal odolat, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                           4.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S jakou p\u016fj\u010dkou neprohloup\u00edte?","item":"https:\/\/www.ivbp.cz\/s-jakou-pujckou-neprohloupite\/#breadcrumbitem"}]}]