[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.iret.cz\/kdyz-nejsou-penize\/#Article","mainEntityOfPage":"https:\/\/www.iret.cz\/kdyz-nejsou-penize\/","headline":"Kdy\u017e nejsou pen\u00edze","name":"Kdy\u017e nejsou pen\u00edze","description":"Bez pen\u011bz se ned\u00e1 norm\u00e1ln\u011b \u017e\u00edt. A proto se ka\u017ed\u00fd, kdo je soudn\u00fd, sna\u017e\u00ed tyto m\u00edt. A nejen je m\u00edt, ale m\u00edt je v dostate\u010dn\u00e9m mno\u017estv\u00ed. Nebo\u0165 jenom dostatek financ\u00ed zaru\u010duje, \u017ee si \u010dlov\u011bk m\u016f\u017ee po\u0159\u00eddit v\u0161e, co je k \u017eivotu zapot\u0159eb\u00ed. Jakmile pak pen\u00edze dojdou, je zle. V tu chv\u00edli se po\u010d\u00edn\u00e1 \u010dlov\u011bku leccos ... <a title=\"Kdy\u017e nejsou pen\u00edze\" class=\"read-more\" href=\"https:\/\/www.iret.cz\/kdyz-nejsou-penize\/\">Read more<span class=\"screen-reader-text\">Kdy\u017e nejsou pen\u00edze<\/span><\/a>","datePublished":"2020-03-17","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.iret.cz\/author\/#Person","name":"","url":"https:\/\/www.iret.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9478c3014fb8763e2a18691ad6bf83eff86429738afad80df8227ac472865e36?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9478c3014fb8763e2a18691ad6bf83eff86429738afad80df8227ac472865e36?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"iret.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.iret.cz\/wp-content\/uploads\/art375455_1x1_20260816_043305_OyIoqj.jpg","url":"https:\/\/www.iret.cz\/wp-content\/uploads\/art375455_1x1_20260816_043305_OyIoqj.jpg","height":0,"width":0},"url":"https:\/\/www.iret.cz\/kdyz-nejsou-penize\/","about":["Finance"],"wordCount":458,"articleBody":"           Bez pen\u011bz se ned\u00e1 norm\u00e1ln\u011b \u017e\u00edt. A proto se ka\u017ed\u00fd, kdo je soudn\u00fd, sna\u017e\u00ed tyto m\u00edt. A nejen je m\u00edt, ale m\u00edt je v dostate\u010dn\u00e9m mno\u017estv\u00ed. Nebo\u0165 jenom dostatek financ\u00ed zaru\u010duje, \u017ee si \u010dlov\u011bk m\u016f\u017ee po\u0159\u00eddit v\u0161e, co je k \u017eivotu zapot\u0159eb\u00ed.  Jakmile pak pen\u00edze dojdou, je zle. V tu chv\u00edli se po\u010d\u00edn\u00e1 \u010dlov\u011bku leccos nedost\u00e1vat, a pokud nem\u016f\u017ee platit dokonce ani za slu\u017eby, sm\u011b\u0159uje v\u0161e k tomu, \u017ee se jednoho dne ocitne bezprizorn\u00fd na ulici. A o to v\u011bru nen\u00ed co st\u00e1t. Jen\u017ee co se d\u00e1 d\u011blat, kdy\u017e m\u00e1 \u010dlov\u011bk p\u0159\u00edjmy ni\u017e\u0161\u00ed ne\u017e nezbytn\u00e9 v\u00fddaje, \u017ee? Pak se zkr\u00e1tka v\u0161echno zaplatit ned\u00e1.  A chce-li se \u010dlov\u011bk v takov\u00fdch \u00fadob\u00edch vyhnout probl\u00e9m\u016fm, \u0159e\u0161\u00ed to zpravidla t\u00edm, \u017ee si vezme p\u016fj\u010dku. Tak lze toti\u017e z\u00edskat prost\u0159edky, d\u00edky nim\u017e se t\u011b\u017ek\u00e9 chv\u00edle n\u011bjak p\u0159e\u010dkaj\u00ed. A jakou p\u016fj\u010dku \u017ee si m\u00e1 \u010dlov\u011bk vz\u00edt, aby mu tato doopravdy pomohla? Druh\u016f p\u016fj\u010dek je u n\u00e1s dost a nen\u00ed tak vesm\u011bs snadn\u00e9 vybrat tu nejdokonalej\u0161\u00ed alternativu. Kdy\u017e je n\u011bkdo ve slu\u0161n\u00e9 ekonomick\u00e9 form\u011b a pot\u0159ebuje zvl\u00e1dnout jen men\u0161\u00ed a kr\u00e1tkodob\u011bj\u0161\u00ed probl\u00e9my, m\u016f\u017ee se obr\u00e1tit na leckoho, kdo p\u016fj\u010dky poskytuje. Pokud je ale t\u00edm, kdo sh\u00e1n\u00ed p\u016fj\u010dku urgentn\u011b, n\u011bkdo, kdo u\u017e nev\u00ed, kudy kam, pak by m\u011bly b\u00fdt jeho volbou v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b hypot\u00e9ky bez registru. Pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ka? Jednodu\u0161e proto, \u017ee zde na rozd\u00edl od bank nejsou tak p\u0159\u00edsn\u00e1 krit\u00e9ria pro jej\u00ed z\u00edsk\u00e1n\u00ed. Tak\u017ee tu usp\u011bje i ten, kdo nem\u00e1 dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy, koho stra\u0161\u00ed n\u011bjak\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f \u010di m\u00e1 n\u011bjak\u00e9 dal\u0161\u00ed nedostatky. Na tom zde toti\u017e tolik nez\u00e1le\u017e\u00ed. Hlavn\u00ed je m\u00edt nemovitost, kterou by se \u010dlov\u011bk za tuto p\u016fj\u010dku zaru\u010dil, je t\u0159eba m\u00edt z \u010deho spl\u00e1cet, ale v\u00edc u\u017e nic. A kdo by se sna\u017eil o n\u011bjakou bankovn\u00ed p\u016fj\u010dku, je-li u\u017e p\u0159edem jasn\u00e9, \u017ee tam neusp\u011bje, \u017ee bude dlouho prov\u011b\u0159ov\u00e1n a pot\u00e9 odm\u00edtnut, \u017ee? Kdy\u017e je tu alternativa, u n\u00ed\u017e usp\u011bj\u00ed i mnoz\u00ed z t\u011bch, kte\u0159\u00ed u\u017e vskutku nemaj\u00ed co nab\u00eddnout. Jenom dejme tomu tu svoji st\u0159echu nad hlavou. Je\u017e jim pochopiteln\u011b v p\u0159\u00edpad\u011b \u0159\u00e1dn\u00e9ho spl\u00e1cen\u00ed z\u016fstane.                                                                                                                                                                                                                                                                                                                                                                                                  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