[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gareno.cz\/nekdy-si-potrebujeme-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.gareno.cz\/nekdy-si-potrebujeme-pujcit\/","headline":"N\u011bkdy si pot\u0159ebujeme p\u016fj\u010dit","name":"N\u011bkdy si pot\u0159ebujeme p\u016fj\u010dit","description":"St\u00e1v\u00e1 se docela \u010dasto, \u017ee my lid\u00e9 pen\u00edze pot\u0159ebujeme, ov\u0161em bohu\u017eel je nem\u00e1me. Nen\u00ed to \u017e\u00e1dn\u00fd ojedin\u011bl\u00fd \u00fakaz, potkat to m\u016f\u017ee v z\u00e1sad\u011b kdykoliv kohokoliv. A kdy\u017e u\u017e m\u00e1 n\u011bkdo tu sm\u016flu, \u017ee to potk\u00e1 zrovna jeho, ned\u00e1 se nic d\u011blat a doty\u010dn\u00fd se mus\u00ed sna\u017eit, aby sehnal pen\u00edze dal\u0161\u00ed, d\u00edky nim\u017e bude moci i […]","datePublished":"2022-10-24","dateModified":"2022-10-24","author":{"@type":"Person","@id":"https:\/\/www.gareno.cz\/author\/#Person","name":"","url":"https:\/\/www.gareno.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":"gareno.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gareno.cz\/wp-content\/uploads\/eura%20drobn%C3%A9_10_4.jpg","url":"https:\/\/www.gareno.cz\/wp-content\/uploads\/eura%20drobn%C3%A9_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.gareno.cz\/nekdy-si-potrebujeme-pujcit\/","about":["Ekonomika"],"wordCount":435,"articleBody":"   St\u00e1v\u00e1 se docela \u010dasto, \u017ee my lid\u00e9 pen\u00edze pot\u0159ebujeme, ov\u0161em bohu\u017eel je nem\u00e1me. Nen\u00ed to \u017e\u00e1dn\u00fd ojedin\u011bl\u00fd \u00fakaz, potkat to m\u016f\u017ee v z\u00e1sad\u011b kdykoliv kohokoliv. A kdy\u017e u\u017e m\u00e1 n\u011bkdo tu sm\u016flu, \u017ee to potk\u00e1 zrovna jeho, ned\u00e1 se nic d\u011blat a doty\u010dn\u00fd se mus\u00ed sna\u017eit, aby sehnal pen\u00edze dal\u0161\u00ed, d\u00edky nim\u017e bude moci i nad\u00e1le norm\u00e1ln\u011b \u017e\u00edt.Jen\u017ee pen\u00edze jsou \u017e\u00e1dan\u00e9. A to natolik, \u017ee se jich nikdo jen tak nez\u0159ekne, aby je dal n\u011bkomu ciz\u00edmu, kdo po nich zrovna tou\u017e\u00ed, nemaje jich dost. A kdy\u017e si tak chce n\u011bkdo po finan\u010dn\u00ed str\u00e1nce polep\u0161it mus\u00ed si bu\u010f dal\u0161\u00ed finan\u010dn\u00ed prost\u0159edky vyd\u011blat, nebo si je aspo\u0148 p\u016fj\u010dit od n\u011bkoho, kdo je k tomu svoln\u00fd.Ov\u0161em vyd\u011blat si v\u00edc, ne\u017e kolik je \u010dlov\u011bku pr\u00e1v\u011b p\u0159\u00e1no, b\u00fdv\u00e1 obt\u00ed\u017en\u00e9. A z\u00edsk\u00e1n\u00ed p\u016fj\u010dky nen\u00ed o moc jednodu\u0161\u0161\u00ed, proto\u017ee u t\u00e9 se vy\u017eaduje garance toho, \u017ee ten p\u016fj\u010duj\u00edc\u00ed si bude ochotn\u00fd a schopn\u00fd t\u00edmto zp\u016fsobem z\u00edskan\u00e9 pen\u00edze i vr\u00e1tit. A tak se ten, kdo se dostal do finan\u010dn\u00ed t\u00edsn\u011b, nejednou mus\u00ed opravdu hodn\u011b sna\u017eit, aby n\u011bkoho p\u0159esv\u011bd\u010dil a p\u016fj\u010dku tak z\u00edskal. A proto\u017ee jsou banky v tomto ohledu neoblomn\u00e9 a nep\u016fj\u010d\u00ed n\u011bkomu, kdo m\u00e1 dejme tomu relativn\u011b mal\u00e9 p\u0159\u00edjmy nebo nep\u0159\u00edjemn\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, mus\u00ed se to \u010dasto zkou\u0161et i n\u011bkde jinde. To znamen\u00e1 u nebankovn\u00ed spole\u010dnosti.A d\u00e1 se usp\u011bt aspo\u0148 v nebankovn\u00edm sektoru? D\u00e1. A vlastn\u011b daleko jednodu\u0161eji ne\u017e n\u011bkde v bance. Proto\u017ee kdy\u017e se zvol\u00ed nebankovn\u00ed hypot\u00e9ka, sta\u010d\u00ed vlastn\u011b i jenom to, \u017ee m\u00e1 z\u00e1jemce o ni z \u010deho spl\u00e1cet a \u017ee vlastn\u00ed n\u011bjakou nemovitost, kter\u00e1 by se dala d\u00e1t jako\u017eto z\u00e1ruka spl\u00e1cen\u00ed do z\u00e1stavy.A jakmile je takov\u00e1 z\u00e1ruka d\u00e1na, nic nebr\u00e1n\u00ed tomu, aby \u010dlov\u011bku p\u016fj\u010dili pen\u00edze v\u00fdhodn\u011b na rok a\u017e t\u0159icet let. Bez slo\u017eit\u00e9ho dokl\u00e1d\u00e1n\u00ed \u010dehokoliv, bez handrkov\u00e1n\u00ed se, bez zbyte\u010dn\u00e9ho pap\u00edrov\u00e1n\u00ed a dlouhotrvaj\u00edc\u00ed nejistoty, jak to tu se \u017e\u00e1dost\u00ed o p\u016fj\u010dku dopadne. A kdy\u017e se v\u011bci maj\u00ed pr\u00e1v\u011b tak, pro\u010d by \u010dlov\u011bk podobnou nebankovn\u00ed hypot\u00e9ku nevyu\u017eil, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                                  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