[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hass.cz\/na-drahe-veci-nemivame\/#Article","mainEntityOfPage":"https:\/\/www.hass.cz\/na-drahe-veci-nemivame\/","headline":"Na drah\u00e9 v\u011bci nem\u00edv\u00e1me","name":"Na drah\u00e9 v\u011bci nem\u00edv\u00e1me","description":"Pokud si my lid\u00e9 jdeme nakoupit do samoobsluhy docela b\u011b\u017en\u00e9 v\u011bci, obvykle to finan\u010dn\u011b zvl\u00e1d\u00e1me. Na to n\u00e1m sta\u010d\u00ed hotovost nebo platebn\u00ed karta v pen\u011b\u017eence, p\u0159\u00edpadn\u011b n\u011bjak\u00fd jin\u00fd modern\u00ed platebn\u00ed n\u00e1stroj, t\u0159eba mobil, a tak jenom projdeme obchodem, vezmeme si z reg\u00e1l\u016f to, co chceme, zaplat\u00edme a odch\u00e1z\u00edme. Neb\u00fdv\u00e1 v tom \u017e\u00e1dn\u00e9 v\u011bda, pokud nejsme...","datePublished":"2022-10-24","dateModified":"2022-10-24","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\/africk%C3%A1%20pen%C4%9B%C5%BEenka_1.jpg","url":"https:\/\/www.hass.cz\/wp-content\/uploads\/africk%C3%A1%20pen%C4%9B%C5%BEenka_1.jpg","height":0,"width":0},"url":"https:\/\/www.hass.cz\/na-drahe-veci-nemivame\/","about":["Ekonomika"],"wordCount":437,"articleBody":"      Pokud si my lid\u00e9 jdeme nakoupit do samoobsluhy docela b\u011b\u017en\u00e9 v\u011bci, obvykle to finan\u010dn\u011b zvl\u00e1d\u00e1me. Na to n\u00e1m sta\u010d\u00ed hotovost nebo platebn\u00ed karta v pen\u011b\u017eence, p\u0159\u00edpadn\u011b n\u011bjak\u00fd jin\u00fd modern\u00ed platebn\u00ed n\u00e1stroj, t\u0159eba mobil, a tak jenom projdeme obchodem, vezmeme si z reg\u00e1l\u016f to, co chceme, zaplat\u00edme a odch\u00e1z\u00edme. Neb\u00fdv\u00e1 v tom \u017e\u00e1dn\u00e9 v\u011bda, pokud nejsme vysloven\u011b chud\u00ed, tak, \u017ee mus\u00edme opravdu po\u010d\u00edtat doslova ka\u017edou korunu.Ve v\u00fd\u0161e zm\u00edn\u011bn\u00e9 situaci tedy probl\u00e9my neb\u00fdvaj\u00ed. Ale n\u011bkdy jindy ano. A to p\u0159edev\u0161\u00edm tehdy, kdy\u017e n\u00e1s \u010dek\u00e1 n\u011bjak\u00e1 neobvykle vysok\u00e1 platba. Proto\u017ee v\u0161ichni v\u00edme, jak se v\u011bci maj\u00ed \u2013 zat\u00edmco ze sv\u00fdch v\u00fdd\u011blk\u016f nebo jin\u00fdch p\u0159\u00edjm\u016f d\u00e1me p\u00e1r des\u00edtek a\u017e set korun dohromady obvykle lehce, s naspo\u0159en\u00edm si statis\u00edc\u016f nebo t\u0159eba i milion\u016f u\u017e to tak prost\u00e9 neb\u00fdv\u00e1. A i takto velk\u00e9 \u010d\u00e1stky mus\u00edme my lid\u00e9 n\u011bkdy zaplatit. T\u0159eba kdy\u017e si kupujeme d\u016fm, byt nebo n\u011bjakou jinou nemovitost nebo n\u011bco podobn\u011b drah\u00e9 a mo\u017enosti b\u011b\u017en\u00fdch lid\u00ed \u010dasto p\u0159esahuj\u00edc\u00ed.Jen\u017ee t\u0159eba bydlen\u00ed si n\u011bkdy v \u017eivot\u011b zkr\u00e1tka po\u0159\u00eddit mus\u00edme. A dal\u0161\u00ed velk\u00e9 v\u00fddaje tak\u00e9 nejsou vylou\u010den\u00e9. A proto se n\u011bkdy sh\u00e1n\u00edme po dal\u0161\u00edm zdroji pen\u011bz, kter\u00fd by n\u00e1m je pomohl financovat. A je pochopiteln\u00e9, \u017ee m\u00e1me-li zaplatit v kr\u00e1tk\u00e9 \u010dasov\u00e9 lh\u016ft\u011b takovou spoustu pen\u011bz, nesh\u00e1n\u00edme se po dal\u0161\u00edm vedlej\u0161\u00edm pracovn\u00edm pom\u011bru. Ne proto, \u017ee bychom byli l\u00edn\u00ed, ale proto, \u017ee t\u00edm se zm\u00edn\u011bn\u00e9 velk\u00e9 pen\u00edze dost rychle nevyd\u011blaj\u00ed.Kdy\u017e sh\u00e1n\u00edme rychle velk\u00e9 pen\u00edze, sh\u00e1n\u00edme prost\u011b p\u016fj\u010dku. A n\u011bkdy ji sh\u00e1n\u00edme skute\u010dn\u011b hodn\u011b dlouho a hodn\u011b slo\u017eit\u011b. \u010c\u00edm men\u0161\u00ed toti\u017e m\u00e1me p\u0159\u00edjmy, t\u00edm m\u00e9n\u011b je pravd\u011bpodobn\u00e9, \u017ee by n\u00e1m n\u011bkde velk\u00e9 pen\u00edze p\u016fj\u010dili, a ani z\u00e1znamy v registrech dlu\u017en\u00edk\u016f \u017eadatel\u016fm o p\u016fj\u010dku zrovna neprosp\u00edvaj\u00ed. A tak se \u010dasto mus\u00ed vyu\u017e\u00edt hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f od nebankovn\u00ed spole\u010dnosti, aby \u010dlov\u011bk se svou \u017e\u00e1dost\u00ed o p\u016fj\u010den\u00ed pen\u011bz usp\u011bl. A lze mluvit o \u0161t\u011bst\u00ed, \u017ee se aspo\u0148 u takov\u00e9 nebankovn\u00ed hypot\u00e9ky \u010dasto bez pot\u00ed\u017e\u00ed usp\u011bje.                                                                                                                                                                                                                                                                                                                                                                                                  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