[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ckmed.cz\/jak-si-spolehlive-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.ckmed.cz\/jak-si-spolehlive-pujcit\/","headline":"Jak si spolehliv\u011b p\u016fj\u010dit?","name":"Jak si spolehliv\u011b p\u016fj\u010dit?","description":"Lid\u00e9 pot\u0159ebuj\u00ed ke sv\u00e9mu \u017eivotu pen\u00edze. To je l\u00e9ty prov\u011b\u0159en\u00e1 pravda, na n\u00ed\u017e se ani v budoucnosti z\u0159ejm\u011b nic nezm\u011bn\u00ed. A pot\u0159ebuj\u00ed je proto, \u017ee nikdo nen\u00ed docela sob\u011bsta\u010dn\u00fd, je nezbytn\u00e9 vyu\u017e\u00edvat nab\u00eddky ze strany jin\u00fdch lid\u00ed, a za ty se pochopiteln\u011b mus\u00ed nab\u00eddnout protihodnota, je\u017e se nejsn\u00e1ze vyjad\u0159uje pr\u00e1v\u011b pen\u011bzi. Sm\u011bnn\u00fd obchod by vzhledem...","datePublished":"2020-10-24","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.ckmed.cz\/author\/#Person","name":"","url":"https:\/\/www.ckmed.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ckmed.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ckmed.cz\/wp-content\/uploads\/mince%20EU_3.jpg","url":"https:\/\/www.ckmed.cz\/wp-content\/uploads\/mince%20EU_3.jpg","height":0,"width":0},"url":"https:\/\/www.ckmed.cz\/jak-si-spolehlive-pujcit\/","about":["Ekonomika"],"wordCount":423,"articleBody":"      Lid\u00e9 pot\u0159ebuj\u00ed ke sv\u00e9mu \u017eivotu pen\u00edze. To je l\u00e9ty prov\u011b\u0159en\u00e1 pravda, na n\u00ed\u017e se ani v budoucnosti z\u0159ejm\u011b nic nezm\u011bn\u00ed. A pot\u0159ebuj\u00ed je proto, \u017ee nikdo nen\u00ed docela sob\u011bsta\u010dn\u00fd, je nezbytn\u00e9 vyu\u017e\u00edvat nab\u00eddky ze strany jin\u00fdch lid\u00ed, a za ty se pochopiteln\u011b mus\u00ed nab\u00eddnout protihodnota, je\u017e se nejsn\u00e1ze vyjad\u0159uje pr\u00e1v\u011b pen\u011bzi. Sm\u011bnn\u00fd obchod by vzhledem k mno\u017estv\u00ed nab\u00eddek a pot\u0159eb a globalizaci u\u017e nep\u0159ipadal v \u00favahu.Jen\u017ee co kdy\u017e \u010dlov\u011bk nem\u00e1 pen\u00edze, jimi\u017e by mohl za zbo\u017e\u00ed a slu\u017eby platit, \u017ee? Co kdy\u017e si m\u00e1lo vyd\u011bl\u00e1v\u00e1, a tak mu finance dojdou p\u0159ed\u010dasn\u011b, respektive co kdy\u017e ho zasko\u010d\u00ed n\u011bjak\u00e9 ne\u010dekan\u00e9 a p\u0159\u00edli\u0161 vysok\u00e9 v\u00fddaje, na kter\u00e9 nesta\u010d\u00ed ani jeho p\u0159\u00edjmy, ani \u00faspory?Pak p\u0159ich\u00e1z\u00ed obvykle ke slovu p\u016fj\u010dka. Nebo nejednou sp\u00ed\u0161e snaha o z\u00edsk\u00e1n\u00ed p\u016fj\u010dky. Proto\u017ee takov\u00e1to pomoc se nikde neposkytuje jenom tak, ka\u017ed\u00e1 finan\u010dn\u00ed instituce si \u017e\u00e1d\u00e1 n\u011bjak\u00e9 ty z\u00e1ruky \u0159\u00e1dn\u00e9ho vr\u00e1cen\u00ed a t\u00edm se st\u00e1v\u00e1 nejedna z p\u016fj\u010dek pro \u017eadatele nedostupnou. Proto\u017ee ten, kdo m\u00e1 n\u00edzk\u00e9 p\u0159\u00edjmy, \u0161patn\u011b vypadaj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, exekuce na krku a podobn\u011b, nem\u00e1 zrovna optimistick\u00e9 vyhl\u00eddky a nad\u011bji, \u017ee se o n\u011bj finan\u010dn\u00ed instituce poperou.A tak je nejednou dobr\u00e9 v\u011bd\u011bt, \u017ee pokud u\u017e neusp\u011bji n\u011bkde v bance s jej\u00edmi p\u0159\u00edsn\u00fdmi krit\u00e9rii v\u00fdb\u011bru, ur\u010dit\u011b dostanu hypot\u00e9ku FAHD. Takov\u00e1 nebankovn\u00ed hypot\u00e9ka je toti\u017e daleko dostupn\u011bj\u0161\u00ed ne\u017e jin\u00e9 p\u016fj\u010dky a dos\u00e1hne na ni vesm\u011bs i ten, kdo by jinde nem\u011bl sebemen\u0161\u00ed nad\u011bji na z\u00edsk\u00e1n\u00ed n\u011bjak\u00fdch t\u011bch finan\u010dn\u00edch prost\u0159edk\u016f.U t\u00e9to nebankovn\u00ed hypot\u00e9ky sta\u010d\u00ed m\u00edt nemovitost, kter\u00e1 by se dala coby z\u00e1ruka \u0159\u00e1dn\u00e9ho spl\u00e1cen\u00ed do z\u00e1stavy, a p\u0159\u00edjmy, kter\u00e9 sta\u010d\u00ed na spl\u00e1cen\u00ed, a nad p\u0159\u00edpadn\u00fdmi nedostatky u\u017e se tu \u010dasto d\u00e1 p\u0159imhou\u0159it oko.A tak pr\u00e1v\u011b tato nebankovn\u00ed hypot\u00e9ka pom\u00e1h\u00e1. Podnikatel\u016fm i spot\u0159ebitel\u016fm, kte\u0159\u00ed se dostanou do \u00fazk\u00fdch, pot\u0159ebuj\u00ed p\u016fj\u010dit, ale v\u0161ude jinde nal\u00e9zaj\u00ed jen pomysln\u00e9 zav\u0159en\u00e9 dve\u0159e.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si spolehliv\u011b p\u016fj\u010dit?","item":"https:\/\/www.ckmed.cz\/jak-si-spolehlive-pujcit\/#breadcrumbitem"}]}]