[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dolinka.cz\/kde-si-lide-pujcuji\/#Article","mainEntityOfPage":"https:\/\/www.dolinka.cz\/kde-si-lide-pujcuji\/","headline":"Kde si lid\u00e9 p\u016fj\u010duj\u00ed?","name":"Kde si lid\u00e9 p\u016fj\u010duj\u00ed?","description":"Je jenom m\u00e1lo v\u011bc\u00ed, kter\u00e9 maj\u00ed v lidsk\u00e9m \u017eivot\u011b tak z\u00e1sadn\u00ed v\u00fdznam jako pen\u00edze. Za pen\u00edze se p\u0159ece kupuje v\u0161echno, \u010deho je n\u00e1m k \u017eivotu zapot\u0159eb\u00ed, a tyto jsou tedy hodn\u011b v\u00fdznamn\u00e9. Neb\u00fdt jich, co by lid\u00e9 m\u011bli, \u017ee? Ka\u017ed\u00fd jenom to, co by si dok\u00e1zal vyp\u011bstovat, vyrobit nebo naj\u00edt. A toho by ur\u010dit\u011b nebylo […]","datePublished":"2020-12-15","dateModified":"2020-12-15","author":{"@type":"Person","@id":"https:\/\/www.dolinka.cz\/author\/#Person","name":"","url":"https:\/\/www.dolinka.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dolinka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dolinka.cz\/wp-content\/uploads\/art393468_1x1_20260816_192426_HxpTPm.jpg","url":"https:\/\/www.dolinka.cz\/wp-content\/uploads\/art393468_1x1_20260816_192426_HxpTPm.jpg","height":0,"width":0},"url":"https:\/\/www.dolinka.cz\/kde-si-lide-pujcuji\/","about":["Finance"],"wordCount":423,"articleBody":"        Je jenom m\u00e1lo v\u011bc\u00ed, kter\u00e9 maj\u00ed v lidsk\u00e9m \u017eivot\u011b tak z\u00e1sadn\u00ed v\u00fdznam jako pen\u00edze. Za pen\u00edze se p\u0159ece kupuje v\u0161echno, \u010deho je n\u00e1m k \u017eivotu zapot\u0159eb\u00ed, a tyto jsou tedy hodn\u011b v\u00fdznamn\u00e9. Neb\u00fdt jich, co by lid\u00e9 m\u011bli, \u017ee? Ka\u017ed\u00fd jenom to, co by si dok\u00e1zal vyp\u011bstovat, vyrobit nebo naj\u00edt. A toho by ur\u010dit\u011b nebylo mnoho. Jen\u017ee skute\u010dnost, \u017ee se dnes ned\u00e1 bez pen\u011bz prakticky existovat, neznamen\u00e1, \u017ee jich m\u00e1me v\u0161ichni tolik, kolik jich m\u00edt pot\u0159ebujeme. Takov\u00e9 pen\u00edze se mus\u00ed nejprve vyd\u011blat, a to ne ka\u017ed\u00fd a ne ve v\u0161ech profes\u00edch a u r\u016fzn\u00fdch zam\u011bstnavatel\u016f dok\u00e1\u017ee, a pak tyto mus\u00ed sta\u010dit na v\u0161echny v\u00fddaje, je\u017e ale mohou leckoho zasko\u010dit svoj\u00ed v\u00fd\u0161\u00ed. Tak\u017ee lid\u00e9 pen\u00edze pot\u0159ebuj\u00ed, ale nejednou jich nemaj\u00ed na uspokojen\u00ed sv\u00fdch pot\u0159eb dost. A kdy\u017e nen\u00ed kde br\u00e1t, je t\u0159eba si je n\u011bkde p\u016fj\u010dit. Aby se zaplatily aspo\u0148 ty nejpodstatn\u011bj\u0161\u00ed v\u011bci s t\u00edm, \u017ee se dluh posl\u00e9ze vyrovn\u00e1 v podob\u011b spl\u00e1tek. Sehnat p\u016fj\u010dku ale nejednou nen\u00ed ani trochu snadn\u00e9. Je to probl\u00e9m, a to zejm\u00e9na pro ty, kdo pot\u0159ebuj\u00ed pen\u00edze nejv\u00edce, tedy pro ty, kdo maj\u00ed finan\u010dn\u00ed probl\u00e9my. Proto\u017ee ti nevzbuzuj\u00ed na prvn\u00ed pohled dojem n\u011bkoho, kdo dok\u00e1\u017ee spl\u00e1cet, a nejedna finan\u010dn\u00ed instituce nehodl\u00e1 se sv\u00fdmi pen\u011bzi hazardovat a p\u016fj\u010dovat je n\u011bkomu, kdo je dost mo\u017en\u00e1 nevr\u00e1t\u00ed. A tak se podobn\u00ed lid\u00e9 nejednou n\u011bco nab\u011bhaj\u00ed od banky k bance, ne\u017e zjist\u00ed, \u017ee t\u00edm jedin\u00fdm, co jim z\u0159ejm\u011b pom\u016f\u017ee, jsou nebankovn\u00ed hypot\u00e9ky Nebankovn\u00ed hypot\u00e9ky. U takov\u00fdch nebankovn\u00edch hypot\u00e9k je toti\u017e v\u00fdhoda v tom, co by zd\u00e1nliv\u011b mohlo p\u016fsobit dojmem nev\u00fdhody. Tady se prost\u011b mus\u00ed d\u00e1t za p\u016fj\u010den\u00e9 pen\u00edze do z\u00e1stavy nemovitost, je\u017e slou\u017e\u00ed jako z\u00e1ruka spl\u00e1cen\u00ed. A d\u00edky t\u00e9to z\u00e1ruce u\u017e se tu \u017eadatel\u00e9 neprov\u011b\u0159uj\u00ed a neposuzuj\u00ed nijak p\u0159\u00edsn\u011b, a tedy daleko sn\u00e1ze usp\u011bj\u00ed a pen\u00edze z\u00edskaj\u00ed. Na kr\u00e1tkou i dlouhou dobu, s mo\u017enost\u00ed vy\u0161\u0161\u00edch i ni\u017e\u0161\u00edch spl\u00e1tek, s p\u0159\u00edzniv\u00fdmi \u00faroky a dal\u0161\u00edmi p\u0159ednostmi, zkr\u00e1tka ide\u00e1ln\u011b.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde si lid\u00e9 p\u016fj\u010duj\u00ed?","item":"https:\/\/www.dolinka.cz\/kde-si-lide-pujcuji\/#breadcrumbitem"}]}]