[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hass.cz\/co-takhle-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.hass.cz\/co-takhle-pujcka\/","headline":"Co takhle p\u016fj\u010dka?","name":"Co takhle p\u016fj\u010dka?","description":"My lid\u00e9 jsme v dne\u0161n\u00ed dob\u011b z\u00e1visl\u00ed na pen\u011bz\u00edch. Mus\u00edme je m\u00edt, proto\u017ee se n\u00e1m na jednu stranu nab\u00edz\u00ed spousta v\u011bc\u00ed, kter\u00e9 bychom si cht\u011bli nebo pot\u0159ebovali koupit a na druhou stranu je tu jenom minimum toho, co by se dalo po\u0159\u00eddit i bezplatn\u011b. A pokud bychom tedy pen\u00edze nem\u011bli, neobst\u00e1li bychom. Ocitli bychom se...","datePublished":"2023-11-19","dateModified":"2023-12-19","author":{"@type":"Person","@id":"https:\/\/www.hass.cz\/author\/#Person","name":"","url":"https:\/\/www.hass.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hass.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hass.cz\/wp-content\/uploads\/golden-rmb-coins-cloth-bag_1387-858.jpg","url":"https:\/\/www.hass.cz\/wp-content\/uploads\/golden-rmb-coins-cloth-bag_1387-858.jpg","height":0,"width":0},"url":"https:\/\/www.hass.cz\/co-takhle-pujcka\/","about":["Ekonomika"],"wordCount":405,"articleBody":"   My lid\u00e9 jsme v dne\u0161n\u00ed dob\u011b z\u00e1visl\u00ed na pen\u011bz\u00edch. Mus\u00edme je m\u00edt, proto\u017ee se n\u00e1m na jednu stranu nab\u00edz\u00ed spousta v\u011bc\u00ed, kter\u00e9 bychom si cht\u011bli nebo pot\u0159ebovali koupit a na druhou stranu je tu jenom minimum toho, co by se dalo po\u0159\u00eddit i bezplatn\u011b. A pokud bychom tedy pen\u00edze nem\u011bli, neobst\u00e1li bychom. Ocitli bychom se na okraji spole\u010dnosti v naprost\u00e9 chudob\u011b, kdy bychom nem\u011bli ani to, co se dnes bere za naprostou samoz\u0159ejmost.Pen\u00edze pak ale pot\u0159ebujeme nejen jako spot\u0159ebitel\u00e9. Jsou nesporn\u011b d\u016fle\u017eit\u00e9 i pro podnikatele, kte\u0159\u00ed mus\u00ed krom\u011b uspokojov\u00e1n\u00ed sv\u00fdch pot\u0159eb financovat i chod sv\u00fdch podnik\u016f. A bez pen\u011bz neobstoj\u00ed ani \u017e\u00e1dn\u00e1 firma.Ale ne ka\u017ed\u00fd m\u00e1 takov\u00e9 finan\u010dn\u00ed mo\u017enosti, jak\u00e9 by pot\u0159eboval m\u00edt. Je spousta p\u0159\u00ed\u010din, kter\u00e9 se mohou na n\u00e1s lidech v ekonomick\u00fdch z\u00e1le\u017eitostech i hodn\u011b negativn\u011b podepisovat. A pak t\u0159eba nem\u00e1me ani na podnik\u00e1n\u00ed, ani na financov\u00e1n\u00ed b\u011b\u017en\u00fdch z\u00e1le\u017eitost\u00ed. A n\u011bkdy se dostaneme i do situace, kdy u\u017e je to nad\u00e1le nezvladateln\u00e9. A kdy u\u017e mus\u00edme pen\u00edze n\u011bkde sehnat st\u016fj co st\u016fj.To m\u00e1me j\u00edt a vyloupit banku, abychom pen\u00edze zase m\u011bli? Ale kde\u017ee. Rozumn\u011bj\u0161\u00ed je do takov\u00e9 banky zaj\u00edt a po\u017e\u00e1dat tam o p\u016fj\u010dku. I kdy\u017e\u2026 I kdy\u017e je vlastn\u011b ot\u00e1zkou, zda je to rozumn\u00e9 po\u010d\u00edn\u00e1n\u00ed. Pokud m\u00e1 toti\u017e \u010dlov\u011bk pom\u011brn\u011b n\u00edzk\u00fd p\u0159\u00edjem a navrch t\u0159eba i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, neodejde odsud sice v poutech jako bankovn\u00ed lupi\u010d, ale odejde s pr\u00e1zdn\u00fdma rukama. Bez pen\u011bz. \u010clov\u011bku, kter\u00fd nen\u00ed schopen prok\u00e1zat, \u017ee zvl\u00e1dne spl\u00e1cen\u00ed, tu toti\u017e nepomohou.A nepomohou-li banky? Pak majitel\u016fm nemovit\u00e9ho majetku pomohou aspo\u0148 nebankovn\u00ed hypot\u00e9ky, jejich\u017e jednozna\u010dnou p\u0159ednost\u00ed je to, \u017ee je dostanou v\u0161ichni, kdo maj\u00ed na spl\u00e1cen\u00ed a toto zaru\u010d\u00ed z\u00e1stavou sv\u00e9 nemovitosti.A tak sice m\u00edv\u00e1 spousta lid\u00ed finan\u010dn\u00ed t\u011b\u017ekosti, ale dok\u00e1\u017ee se s nimi vypo\u0159\u00e1dat. Tak, \u017ee si vezme nebankovn\u00ed hypot\u00e9ku a d\u00edky n\u00ed p\u0159e\u010dk\u00e1 dobu, v n\u00ed\u017e by se jinak nepoda\u0159ilo obst\u00e1t.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co takhle p\u016fj\u010dka?","item":"https:\/\/www.hass.cz\/co-takhle-pujcka\/#breadcrumbitem"}]}]