[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.finstra.cz\/nestaci-vam-penize\/#Article","mainEntityOfPage":"https:\/\/www.finstra.cz\/nestaci-vam-penize\/","headline":"Nesta\u010d\u00ed v\u00e1m pen\u00edze?","name":"Nesta\u010d\u00ed v\u00e1m pen\u00edze?","description":"Jenom st\u011b\u017e\u00ed by si na\u0161inec dok\u00e1zal p\u0159edstavit, jak by se mu \u017eilo, kdyby nem\u011bl k dispozici pen\u00edze. Ty u\u017e se staly n\u011b\u010d\u00edm naprosto samoz\u0159ejm\u00fdm a pro \u017eivot nezbytn\u00fdm, a kdo je nem\u00e1, ten ani nem\u016f\u017ee norm\u00e1ln\u011b \u017e\u00edt. Proto\u017ee se za v\u0161echno, na co si jenom vzpomeneme, plat\u00ed, a kdo nem\u00e1 \u010d\u00edm platit, ten pochopiteln\u011b nem\u00e1...","datePublished":"2021-07-23","dateModified":"2023-06-13","author":{"@type":"Person","@id":"https:\/\/www.finstra.cz\/author\/#Person","name":"","url":"https:\/\/www.finstra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"finstra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.finstra.cz\/wp-content\/uploads\/t%C5%99i%20mince_5.jpg","url":"https:\/\/www.finstra.cz\/wp-content\/uploads\/t%C5%99i%20mince_5.jpg","height":0,"width":0},"url":"https:\/\/www.finstra.cz\/nestaci-vam-penize\/","about":["Finance"],"wordCount":436,"articleBody":"     Jenom st\u011b\u017e\u00ed by si na\u0161inec dok\u00e1zal p\u0159edstavit, jak by se mu \u017eilo, kdyby nem\u011bl k dispozici pen\u00edze. Ty u\u017e se staly n\u011b\u010d\u00edm naprosto samoz\u0159ejm\u00fdm a pro \u017eivot nezbytn\u00fdm, a kdo je nem\u00e1, ten ani nem\u016f\u017ee norm\u00e1ln\u011b \u017e\u00edt. Proto\u017ee se za v\u0161echno, na co si jenom vzpomeneme, plat\u00ed, a kdo nem\u00e1 \u010d\u00edm platit, ten pochopiteln\u011b nem\u00e1 zhola nic. Nanejv\u00fd\u0161 tak to, co mu n\u011bkdo milosrdn\u011b daruje nebo co doty\u010dn\u00fd najde n\u011bkde pohozen\u00e9 a pro p\u016fvodn\u00edho majitele nepot\u0159ebn\u00e9, co\u017e ale pochopiteln\u011b nezaru\u010duje norm\u00e1ln\u00ed plnohodnotn\u00fd \u017eivot.A tak my lid\u00e9 usilujeme o to, abychom dostatek pen\u011bz z\u00edskali. Co\u017e se n\u00e1m ale samoz\u0159ejm\u011b nepoda\u0159\u00ed v\u017edy. Mnoz\u00ed m\u00e1me pr\u00e1ci, ve kter\u00e9 bereme jenom tolik, abychom n\u011bjak p\u0159e\u017eili, n\u011bkte\u0159\u00ed z n\u00e1s nemaj\u00ed ani tuto, a to se pak t\u011b\u017eko vych\u00e1z\u00ed s vlastn\u00edmi finan\u010dn\u00edmi prost\u0159edky.A kdy\u017e n\u011bkdy s pen\u011bzi nevysta\u010d\u00edme? Kdy\u017e na\u0161e v\u00fddaje p\u0159evy\u0161uj\u00ed na\u0161e p\u0159\u00edjmy a my u\u017e nem\u00e1me na \u010dem se je\u0161t\u011b v\u00edce uskromnit nebo kde vz\u00edt aspo\u0148 n\u011bjakou tu korunu nav\u00edc? V takov\u00e9 situaci u\u017e n\u00e1s obvykle spas\u00ed jedin\u011b n\u011bjak\u00e1 p\u016fj\u010dka.P\u016fj\u010den\u00ed si pen\u011bz, kter\u00fdch se n\u00e1m nedost\u00e1v\u00e1, m\u016f\u017ee b\u00fdt klidn\u011b i docela rozumn\u00e1 volba. Proto\u017ee je lep\u0161\u00ed vz\u00edt si p\u016fj\u010dku a platit za to n\u011bjak\u00e9 snesiteln\u00e9 \u00faroky, ne\u017e kv\u016fli nedostatku financ\u00ed p\u0159estat platit a riskovat tak pen\u00e1le, omezen\u00ed poskytovan\u00fdch slu\u017eeb, chudobu a t\u0159eba i exekuci.A na koho se obr\u00e1tit, aby \u010dlov\u011bk v nouzi p\u016fj\u010dku z\u00edskal? Je-li na tom doty\u010dn\u00fd tak, jak bylo p\u0159ed chv\u00edl\u00ed pops\u00e1no, jsou pro n\u011bj jako d\u011blan\u00e9 hypot\u00e9ky bez registru od nebankovn\u00ed spole\u010dnosti. A to proto, \u017ee zde na rozd\u00edl od bankovn\u00edch p\u016fj\u010dek nemus\u00ed vadit, kdy\u017e m\u00e1 \u017eadatel jenom n\u00edzk\u00e9 p\u0159\u00edjmy, nep\u0159\u00edjemn\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f a podobn\u011b. Tady bohat\u011b sta\u010d\u00ed, kdy\u017e se \u010dlov\u011bk za p\u016fj\u010dku zaru\u010d\u00ed z\u00e1stavou nemovitosti a kdy\u017e dok\u00e1\u017ee hradit dohodnut\u00e9 spl\u00e1tky.Zde tedy \u010dlov\u011bk lehce dostane tolik pen\u011bz, kolik pot\u0159ebuje, a prakticky na tak dlouho, jak je mu to zapot\u0159eb\u00ed. I kdyby to bylo a\u017e sedmdes\u00e1t procent odhadn\u00ed ceny on\u00e9 nemovitosti s t\u0159icetiletou dobou spl\u00e1cen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nesta\u010d\u00ed v\u00e1m pen\u00edze?","item":"https:\/\/www.finstra.cz\/nestaci-vam-penize\/#breadcrumbitem"}]}]