[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sm-itko.cz\/pujcka-muze-byt-i-spasou\/#Article","mainEntityOfPage":"https:\/\/www.sm-itko.cz\/pujcka-muze-byt-i-spasou\/","headline":"P\u016fj\u010dka m\u016f\u017ee b\u00fdt i sp\u00e1sou","name":"P\u016fj\u010dka m\u016f\u017ee b\u00fdt i sp\u00e1sou","description":"Je sice ur\u010dit\u011b pravdou, \u017ee pen\u00edze tak\u00e9 nejsou v\u0161echno, ov\u0161em to rozhodn\u011b neznamen\u00e1, \u017ee bychom … ","datePublished":"2022-04-27","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.sm-itko.cz\/author\/#Person","name":"","url":"https:\/\/www.sm-itko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sm-itko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sm-itko.cz\/wp-content\/uploads\/p%C3%A1r%20minc%C3%AD_8.jpg","url":"https:\/\/www.sm-itko.cz\/wp-content\/uploads\/p%C3%A1r%20minc%C3%AD_8.jpg","height":0,"width":0},"url":"https:\/\/www.sm-itko.cz\/pujcka-muze-byt-i-spasou\/","about":["Internet"],"wordCount":413,"articleBody":"   Je sice ur\u010dit\u011b pravdou, \u017ee pen\u00edze tak\u00e9 nejsou v\u0161echno, ov\u0161em to rozhodn\u011b neznamen\u00e1, \u017ee bychom m\u011bli jejich roli v na\u0161ich \u017eivotech podce\u0148ovat. Jsou sice v\u011bci, kter\u00e9 si ani za pen\u00edze nekoup\u00edme, ale p\u0159esto je v\u011bt\u0161ina naopak k sehn\u00e1n\u00ed jedin\u011b tehdy, kdy\u017e zalov\u00edme v pen\u011b\u017eence a pat\u0159i\u010dn\u011b zaplat\u00edme. A to znamen\u00e1, \u017ee se my lid\u00e9 bez pen\u011bz rozhodn\u011b neobejdeme. To zkr\u00e1tka nejde. Jen\u017ee osud (a zam\u011bstnavatel) n\u00e1m nejednou nedop\u0159\u00e1v\u00e1 takov\u00e9 p\u0159\u00edjmy, jak\u00e9 bychom si my lid\u00e9 p\u0159edstavovali. Pracujeme, ale co z toho m\u00e1me? T\u0159eba i vyslovenou almu\u017enu, ze kter\u00e9 se ned\u00e1 ufinancovat v\u0161echno, co bychom jenom pot\u0159ebovali.Kdy\u017e si n\u011bkdo pr\u00e1v\u011b dost nevyd\u011bl\u00e1, m\u016f\u017ee pochopiteln\u011b vyu\u017e\u00edt sv\u00e9 \u00faspory a t\u011bmito dofinancovat to, na co u\u017e pr\u016fb\u011b\u017en\u00fd p\u0159\u00edjem nesta\u010d\u00ed. Jen\u017ee v\u0161ichni dob\u0159e v\u00edme, \u017ee jsou i \u00faspory n\u011b\u010d\u00edm, \u010d\u00edm se zrovna mnoz\u00ed z n\u00e1s chlubit nemohou.A jak maj\u00ed platit za alespo\u0148 to nejnutn\u011bj\u0161\u00ed ti, kte\u0159\u00ed si pr\u00e1v\u011b dost nevyd\u011blali a nemaj\u00ed ani \u00faspory nebo jin\u00e9 mo\u017en\u00e9 zdroje pen\u011bz? Jedin\u011b tak, \u017ee si finance, je\u017e jim sch\u00e1zej\u00ed, n\u011bkde p\u016fj\u010d\u00ed. I p\u016fj\u010den\u00fdmi pen\u011bzi se toti\u017e d\u00e1 zaplatit, pouze s t\u00edm rozd\u00edlem, \u017ee tyto \u010dlov\u011bku nepat\u0159\u00ed a on je tak mus\u00ed postupn\u011b zase splatit, a to nav\u00edc i s \u00faroky a poplatky.Ov\u0161em ne ka\u017ed\u00e1 p\u016fj\u010dka je tu ur\u010dena pro kohokoliv z n\u00e1s. Jsou mezi n\u00e1mi i tac\u00ed, jim\u017e ochotn\u011b p\u016fj\u010d\u00ed kdokoliv, ov\u0161em z\u00e1rove\u0148 nejednou i ti, jim\u017e zd\u00e1nliv\u011b nep\u016fj\u010d\u00ed nikdo ani vindru. To podle toho, co takov\u00ed z\u00e1jemci o p\u016fj\u010dku dok\u00e1\u017eou nab\u00eddnout jako z\u00e1ruky spl\u00e1cen\u00ed.A kdy\u017e m\u00e1 n\u011bkdo mal\u00fd p\u0159\u00edjem a k tomuto i z\u00e1znam v registrech dlu\u017en\u00edk\u016f a exekuce na krku? Pak by m\u011bl doty\u010dn\u00fd d\u011bkovat bohu a nebankovn\u00ed spole\u010dnosti, \u017ee existuj\u00ed i nebankovn\u00ed americk\u00e9 hypot\u00e9ky. Proto\u017ee ty jsou \u010dasto pro lidi, kte\u0159\u00ed nejsou pro banky bonitn\u00ed, jedinou nad\u011bj\u00ed na z\u00edsk\u00e1n\u00ed dal\u0161\u00edch pen\u011bz.Tady se prost\u011b d\u00e1 do z\u00e1stavy nemovitost a pak tu p\u016fj\u010d\u00ed ka\u017ed\u00e9mu, kdo bude schopen spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka m\u016f\u017ee b\u00fdt i sp\u00e1sou","item":"https:\/\/www.sm-itko.cz\/pujcka-muze-byt-i-spasou\/#breadcrumbitem"}]}]