[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.karikari.cz\/pujceni-si-neni-nemozne\/#Article","mainEntityOfPage":"https:\/\/www.karikari.cz\/pujceni-si-neni-nemozne\/","headline":"P\u016fj\u010den\u00ed si nen\u00ed nemo\u017en\u00e9","name":"P\u016fj\u010den\u00ed si nen\u00ed nemo\u017en\u00e9","description":"Nikomu z civilizovan\u00fdch lid\u00ed nesm\u00ed chyb\u011bt pen\u00edze. Kdyby mu toti\u017e pen\u00edze chyb\u011bly, musel by v\u00e9st \u017eivot, kter\u00fd nelze ani trochu pova\u017eovat za civilizovan\u00fd. Sp\u00ed\u0161e ne\u017e lidsk\u00e1 existence by to byl boj o p\u0159e\u017eit\u00ed, tedy to, co sv\u00e1d\u011bj\u00ed dnes a denn\u011b voln\u011b \u017eij\u00edc\u00ed \u017eivo\u010dichov\u00e9. A n\u011bco takov\u00e9ho pochopiteln\u011b nechce nikdo soudn\u00fd","datePublished":"2021-09-22","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.karikari.cz\/author\/#Person","name":"","url":"https:\/\/www.karikari.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/55e7fbc61e9322b6822dac9bb7a03f27da3135fab89e5bb0463eeaffc32ea652?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"karikari.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.karikari.cz\/wp-content\/uploads\/kreslen%C3%A1%20bankovka_1.png","url":"https:\/\/www.karikari.cz\/wp-content\/uploads\/kreslen%C3%A1%20bankovka_1.png","height":0,"width":0},"url":"https:\/\/www.karikari.cz\/pujceni-si-neni-nemozne\/","about":["Finance"],"wordCount":434,"articleBody":"   Nikomu z civilizovan\u00fdch lid\u00ed nesm\u00ed chyb\u011bt pen\u00edze. Kdyby mu toti\u017e pen\u00edze chyb\u011bly, musel by v\u00e9st \u017eivot, kter\u00fd nelze ani trochu pova\u017eovat za civilizovan\u00fd. Sp\u00ed\u0161e ne\u017e lidsk\u00e1 existence by to byl boj o p\u0159e\u017eit\u00ed, tedy to, co sv\u00e1d\u011bj\u00ed dnes a denn\u011b voln\u011b \u017eij\u00edc\u00ed \u017eivo\u010dichov\u00e9. A n\u011bco takov\u00e9ho pochopiteln\u011b nechce nikdo soudn\u00fd podstupovat. A tak se mus\u00ed pen\u00edze v\u017edy n\u011bjak sehnat.Ov\u0161em sh\u00e1n\u011bn\u00ed pen\u011bz nen\u00ed \u010dasto ani trochu prost\u00e9. Teoreticky sice v\u0161ichni v\u00edme, jak dos\u00e1hnout dostatku financ\u00ed, jen\u017ee v praxi se n\u00e1m toho nejednou neda\u0159\u00ed dos\u00e1hnout. M\u011bli bychom si sice dost vyd\u011blat, jen\u017ee nejednou nem\u00e1me jak. M\u011bli bychom v \u010dasech nouze na n\u011b\u010dem u\u0161et\u0159it, jen\u017ee nen\u00ed na \u010dem. A v nejhor\u0161\u00edm p\u0159\u00edpad\u011b bychom si aspo\u0148 m\u011bli p\u016fj\u010dit, jen\u017ee t\u00e1peme v tom, od koho a za jak\u00fdch podm\u00ednek.Pokud se zaob\u00edr\u00e1me t\u0159eba pr\u00e1v\u011b my\u0161lenkami na p\u016fj\u010dku, ur\u010dit\u011b bychom nem\u011bli jej\u00ed v\u00fdb\u011br podcenit. N\u011bkdy by se n\u00e1m toti\u017e mohla dost prodra\u017eit, n\u011bkdy by n\u00e1s mohla i st\u00e1hnout se sv\u00fdmi \u00faroky a poplatky a\u017e ke dnu. A n\u011bkdy by se tak\u00e9 mohlo st\u00e1t, \u017ee bychom si sice o ur\u010ditou p\u016fj\u010dku za\u017e\u00e1dali, ale nedostali bychom ji, proto\u017ee by n\u00e1s nepova\u017eovali v osloven\u00e9 finan\u010dn\u00ed instituci za pr\u00e1v\u011b ty, koho si p\u0159edstavuj\u00ed pod pojmem ide\u00e1ln\u00ed \u017eadatel.A kdy\u017e \u010dlov\u011bk pen\u00edze pot\u0159ebuje, ale s nad\u011bjemi na \u00fasp\u011bch v bance se mus\u00ed rozlou\u010dit? Pak tento m\u016f\u017ee zvolit t\u0159eba i nebankovn\u00ed hypot\u00e9ky, u nich\u017e jsou nad\u011bje na jejich z\u00edsk\u00e1n\u00ed daleko v\u011bt\u0161\u00ed. A to ne proto, \u017ee by se tu snad ne\u017e\u00e1daly \u017e\u00e1dn\u00e9 z\u00e1ruky spl\u00e1cen\u00ed, ale proto, \u017ee jsou zde tyto po\u017eadavky nastaven\u00e9 tak, aby je zvl\u00e1dli i ti, kter\u00fdm nen\u00ed jinde p\u0159\u00e1no. U nebankovn\u00edch hypot\u00e9k se toti\u017e tolik nelp\u00ed ani na vysok\u00fdch p\u0159\u00edjmech, ani na dokonal\u00fdch registrech dlu\u017en\u00edk\u016f. Tady jde hlavn\u011b o to, zda se m\u016f\u017ee z\u00e1jemce zaru\u010dit za \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed z\u00e1stavou nemovitosti.Takov\u00e1 z\u00e1stava dokonale zaru\u010duje, \u017ee se nebankovn\u00ed spole\u010dnosti pen\u00edze, na kter\u00e9 m\u00e1 tato n\u00e1rok, vr\u00e1t\u00ed. A tak se tu p\u016fj\u010duje osto\u0161est.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010den\u00ed si nen\u00ed nemo\u017en\u00e9","item":"https:\/\/www.karikari.cz\/pujceni-si-neni-nemozne\/#breadcrumbitem"}]}]