[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.haag.cz\/kde-je-pujcka-jistotou\/#Article","mainEntityOfPage":"https:\/\/www.haag.cz\/kde-je-pujcka-jistotou\/","headline":"Kde je p\u016fj\u010dka jistotou?","name":"Kde je p\u016fj\u010dka jistotou?","description":"P\u016fj\u010dit si pen\u00edze je n\u011bkdy to nejlep\u0161\u00ed rozhodnut\u00ed, jak\u00e9 m\u016f\u017ee n\u011bkdo z n\u00e1s u\u010dinit. Jsou tu samoz\u0159ejm\u011b i hlup\u00e1ci, kte\u0159\u00ed si p\u016fj\u010duj\u00ed jako smysl\u016f zbaven\u00ed, pak vytloukaj\u00ed pov\u011bstn\u00fd kl\u00edn kl\u00ednem, utr\u00e1cej\u00ed za hlouposti a na z\u00e1v\u011br to s nimi \u0161patn\u011b kon\u010d\u00ed, ale za to p\u016fj\u010dky pochopiteln\u011b nemohou a kv\u016fli takov\u00fdm lidem pak nemus\u00ed m\u00edt p\u016fj\u010dky...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.haag.cz\/kde-je-pujcka-jistotou\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Kde je p\u016fj\u010dka jistotou?&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2022-11-20","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.haag.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.haag.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"haag.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.haag.cz\/wp-content\/uploads\/coin-166324_960_720.png","url":"https:\/\/www.haag.cz\/wp-content\/uploads\/coin-166324_960_720.png","height":0,"width":0},"url":"https:\/\/www.haag.cz\/kde-je-pujcka-jistotou\/","about":["Ekonomika"],"wordCount":458,"articleBody":"   P\u016fj\u010dit si pen\u00edze je n\u011bkdy to nejlep\u0161\u00ed rozhodnut\u00ed, jak\u00e9 m\u016f\u017ee n\u011bkdo z n\u00e1s u\u010dinit. Jsou tu samoz\u0159ejm\u011b i hlup\u00e1ci, kte\u0159\u00ed si p\u016fj\u010duj\u00ed jako smysl\u016f zbaven\u00ed, pak vytloukaj\u00ed pov\u011bstn\u00fd kl\u00edn kl\u00ednem, utr\u00e1cej\u00ed za hlouposti a na z\u00e1v\u011br to s nimi \u0161patn\u011b kon\u010d\u00ed, ale za to p\u016fj\u010dky pochopiteln\u011b nemohou a kv\u016fli takov\u00fdm lidem pak nemus\u00ed m\u00edt p\u016fj\u010dky zrovna dobrou reputaci. Ov\u0161em kdy\u017e si n\u011bkdo p\u016fj\u010duje v t\u011b\u017ek\u00fdch dob\u00e1ch a s rozumem, zodpov\u011bdn\u011b a na d\u016fle\u017eit\u00e9 v\u011bci, je to naopak dobr\u00e9 rozhodnut\u00ed. Proto\u017ee je n\u011bkdy lep\u0161\u00ed platit za d\u016fle\u017eit\u00e9 v\u011bci p\u016fj\u010den\u00fdmi pen\u011bzi, ne\u017e za n\u011b neplatit.Ale ne ka\u017ed\u00fd \u010dlov\u011bk se m\u016f\u017ee chlubit t\u00edm, \u017ee je na tom tak dob\u0159e, \u017ee mu vyhov\u00ed jak\u00fdkoliv poskytovatel p\u016fj\u010dek s jakoukoliv nab\u00edzenou variantou p\u016fj\u010dky. Mnoha z lid\u00ed v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci nen\u00ed leckter\u00e1 nab\u00eddka dostupn\u00e1, a jsou i tac\u00ed, jim\u017e se t\u0159eba kv\u016fli jejich n\u00edzk\u00fdm v\u00fdd\u011blk\u016fm nebo z\u00e1znam\u016fm v registrech dlu\u017en\u00edk\u016f nevyhov\u00ed docela nikde. Nebo aspo\u0148 skoro nikde.Ale co kdy\u017e si pot\u0159ebuje p\u016fj\u010dit dost velk\u00e9 pen\u00edze n\u011bkdo, kdo nem\u00e1 zrovna sam\u00e9 ekonomick\u00e9 p\u0159ednosti? Co kdy\u017e sh\u00e1n\u00ed p\u016fj\u010dku n\u011bkdo, kdo u\u017e v minulosti nespl\u00e1cel n\u011bco tak, jak m\u011bl, a ani jeho sou\u010dasn\u00e9 p\u0159\u00edjmy nevzbuzuj\u00ed moc nad\u011bj\u00ed na to, \u017ee budou p\u0159ich\u00e1zet spl\u00e1tky v n\u00e1le\u017eit\u00e9 v\u00fd\u0161i a v\u010das? Pak si m\u016f\u017eeme b\u00fdt jisti, \u017ee se tento jen tak u n\u011bkoho pomoci nedo\u010dk\u00e1.Ale nebu\u010fme pesimisty. To, \u017ee mnoha lidem v t\u00edsni nep\u016fj\u010d\u00ed banky, nemus\u00ed je\u0161t\u011b znamenat konec v\u0161em nad\u011bj\u00edm. Nep\u016fj\u010d\u00ed-li banky, m\u00e1me tu p\u0159ece je\u0161t\u011b nebankovn\u00ed spole\u010dnosti. A i u t\u011bch se d\u00e1 pokou\u0161et \u0161t\u011bst\u00ed. A to daleko \u00fasp\u011b\u0161n\u011bji, pokud se rozhodneme vyu\u017e\u00edvat nebankovn\u00ed hypot\u00e9ky nebankovnihypoteky.net. U nebankovn\u00edch hypot\u00e9k toti\u017e rozhoduje hlavn\u011b to, zda se m\u016f\u017ee \u017eadatel zaru\u010dit za spl\u00e1cen\u00ed n\u011bjakou nemovitost\u00ed. A kdy\u017e je tomu tak, m\u00e1 nebankovn\u00ed spole\u010dnost jistotu, \u017ee se se sv\u00fdmi pen\u011bzi zase shled\u00e1, a nic nebr\u00e1n\u00ed v tom, aby se tu \u017eadatel do\u010dkal vytou\u017een\u00e9 pomoci. Bez n\u00ed\u017e by mo\u017en\u00e1 neobst\u00e1l, zat\u00edmco s n\u00ed\u017e si m\u016f\u017ee d\u00e1t \u017eivot do po\u0159\u00e1dku. A zase norm\u00e1ln\u011b \u017e\u00edt.                                                                                                                                                                                                                                                                                                                                                                                                  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