[{"@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\/art442858_4x3_20261011_180637_LcG1IO.jpg","url":"https:\/\/www.gareno.cz\/wp-content\/uploads\/art442858_4x3_20261011_180637_LcG1IO.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?                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u011bkdy si pot\u0159ebujeme p\u016fj\u010dit","item":"https:\/\/www.gareno.cz\/nekdy-si-potrebujeme-pujcit\/#breadcrumbitem"}]}]