[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lmat.cz\/jak-si-spravne-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.lmat.cz\/jak-si-spravne-pujcit\/","headline":"Jak si spr\u00e1vn\u011b p\u016fj\u010dit?","name":"Jak si spr\u00e1vn\u011b p\u016fj\u010dit?","description":"Lid\u00e9 u\u017e dnes pot\u0159ebuj\u00ed spoustu v\u011bc\u00ed. A tak\u00e9 pot\u0159ebuj\u00ed nejednu slu\u017ebu. U\u017e jsme si na to zvykli a nejednou si tak nech\u00e1v\u00e1me poskytovat i to, co bychom sami zvl\u00e1dali jen s obt\u00ed\u017eemi, o tom, co bychom sami nedok\u00e1zali, u\u017e ani nemluv\u011b. Kdy\u017e si zamaneme n\u011bco m\u00edt, vezmeme pen\u00edze a koup\u00edme si to. Co\u017e je jednoduch\u00e9. […]","datePublished":"2021-06-02","dateModified":"2021-06-02","author":{"@type":"Person","@id":"https:\/\/www.lmat.cz\/author\/#Person","name":"","url":"https:\/\/www.lmat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lmat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lmat.cz\/wp-content\/uploads\/jedno%20euro_7.jpg","url":"https:\/\/www.lmat.cz\/wp-content\/uploads\/jedno%20euro_7.jpg","height":0,"width":0},"url":"https:\/\/www.lmat.cz\/jak-si-spravne-pujcit\/","about":["Pen\u00edze"],"wordCount":446,"articleBody":"   Lid\u00e9 u\u017e dnes pot\u0159ebuj\u00ed spoustu v\u011bc\u00ed. A tak\u00e9 pot\u0159ebuj\u00ed nejednu slu\u017ebu. U\u017e jsme si na to zvykli a nejednou si tak nech\u00e1v\u00e1me poskytovat i to, co bychom sami zvl\u00e1dali jen s obt\u00ed\u017eemi, o tom, co bychom sami nedok\u00e1zali, u\u017e ani nemluv\u011b. Kdy\u017e si zamaneme n\u011bco m\u00edt, vezmeme pen\u00edze a koup\u00edme si to. Co\u017e je jednoduch\u00e9. Ale snadn\u00e9 je to pochopiteln\u011b jenom v p\u0159\u00edpad\u011b, \u017ee na to m\u00e1me pen\u00edze. A m\u00edt pen\u00edze, to nen\u00ed rozhodn\u011b samoz\u0159ejmost.\u010clov\u011bk si n\u011bco vyd\u011bl\u00e1, a z takov\u00fdch pen\u011bz by potom m\u011bl dok\u00e1zat tak\u00e9 uhradit v\u0161e, co se k jeho \u017eivotu poj\u00ed, bez \u010deho se doty\u010dn\u00fd neobejde nebo to chce m\u00edt. M\u011blo by tomu tak b\u00fdt. Jen\u017ee je v\u0161em z n\u00e1s dob\u0159e zn\u00e1mo, \u017ee ne v\u017edy vysta\u010d\u00ed lid\u00e9 s t\u011bmi p\u0159\u00edjmy, kter\u00e9 maj\u00ed. N\u011bkdy dojdou pen\u00edze p\u0159\u00edli\u0161 brzy, a kdy\u017e je potom je\u0161t\u011b pot\u0159eba za n\u011bco zaplatit, nen\u00ed u\u017e \u010d\u00edm. A m\u011blo by se to tedy o\u017eelet.Jen\u017ee s t\u00edm se ned\u00e1 v\u017edycky jen tak sm\u00ed\u0159it. Jsou i v\u011bci a slu\u017eby, za n\u011b\u017e se platit mus\u00ed, a to bez ohledu na to, m\u00e1-li \u010dlov\u011bk pr\u00e1v\u011b dost pen\u011bz nebo ne. A tak se mus\u00ed nejednou uva\u017eovat o p\u016fj\u010dce. A \u010dlov\u011bk o n\u00ed samoz\u0159ejm\u011b nem\u016f\u017ee jenom uva\u017eovat. Mus\u00ed ji i dostat.Ale kdy\u017e se n\u011bkdo takov\u00fd obr\u00e1t\u00ed na banku, \u010dasto odejde s nepo\u0159\u00edzenou. Cht\u00edt p\u016fj\u010dku sice doty\u010dn\u00fd m\u016f\u017ee, ale banka mu ji nemus\u00ed poskytnout. A tak\u00e9 mu ji neposkytne, pokud m\u00e1 pochybnosti o tom, zda by \u017eadatel dok\u00e1zal spl\u00e1cet. Z\u00e1jemce tu tak dolo\u017e\u00ed spoustu r\u016fzn\u00fdch potvrzen\u00ed, a kdy\u017e se po dlouh\u00e9 dob\u011b do\u010dk\u00e1 rozhodnut\u00ed, m\u016f\u017ee b\u00fdt toto negativn\u00ed. Banka m\u016f\u017ee dosp\u011bt k rozhodnut\u00ed, \u017ee konkr\u00e9tn\u00edmu \u010dlov\u011bku za dan\u00e9 situace nep\u016fj\u010d\u00ed.A pak se ur\u010dit\u011b hod\u00ed hypot\u00e9ka bez p\u0159\u00edjmu od nebankovn\u00ed spole\u010dnosti. Jakkoliv nen\u00ed tento n\u00e1zev docela v\u00fdsti\u017en\u00fd a i zde p\u016fj\u010d\u00ed jedin\u011b tomu, kdo p\u0159\u00edjem m\u00e1, ned\u011blaj\u00ed se tu \u017e\u00e1dn\u00e9 drahoty a akceptuje se i to, co by v bank\u00e1ch nesta\u010dilo. A kdy\u017e se \u017eadatel zaru\u010d\u00ed za spl\u00e1cen\u00ed z\u00e1stavou nemovitosti, m\u00edv\u00e1 vyhr\u00e1no. M\u00e1 dost pen\u011bz i tehdy, kdy\u017e mu ty vlastn\u00ed sch\u00e1zej\u00ed. A m\u016f\u017ee norm\u00e1ln\u011b \u017e\u00edt.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si spr\u00e1vn\u011b p\u016fj\u010dit?","item":"https:\/\/www.lmat.cz\/jak-si-spravne-pujcit\/#breadcrumbitem"}]}]