[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.reccr.cz\/potrebujete-dalsi-penize\/#Article","mainEntityOfPage":"https:\/\/www.reccr.cz\/potrebujete-dalsi-penize\/","headline":"Pot\u0159ebujete dal\u0161\u00ed pen\u00edze?","name":"Pot\u0159ebujete dal\u0161\u00ed pen\u00edze?","description":"Lid\u00e9 mnohdy nejsou tak finan\u010dn\u011b zaji\u0161t\u011bn\u00ed, jak by si p\u0159\u00e1li. Maj\u00ed sv\u00e9 pot\u0159eby, kter\u00e9 se mus\u00ed financovat, cht\u011bj\u00ed t\u0159eba i leccos, bez \u010deho se sice d\u00e1 obej\u00edt, ale p\u0159esto by&hellip;<a href=\"https:\/\/www.reccr.cz\/potrebujete-dalsi-penize\/\" class=\"more-link\"><span class=\"more-button\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\">Pot\u0159ebujete dal\u0161\u00ed pen\u00edze?<\/span><\/span><\/a>","datePublished":"2022-02-08","dateModified":"2023-05-29","author":{"@type":"Person","@id":"https:\/\/www.reccr.cz\/author\/#Person","name":"","url":"https:\/\/www.reccr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"reccr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.reccr.cz\/wp-content\/uploads\/ko%C5%A1ile%20z%20eur.png","url":"https:\/\/www.reccr.cz\/wp-content\/uploads\/ko%C5%A1ile%20z%20eur.png","height":0,"width":0},"url":"https:\/\/www.reccr.cz\/potrebujete-dalsi-penize\/","about":["Ekonomika"],"wordCount":440,"articleBody":"   Lid\u00e9 mnohdy nejsou tak finan\u010dn\u011b zaji\u0161t\u011bn\u00ed, jak by si p\u0159\u00e1li. Maj\u00ed sv\u00e9 pot\u0159eby, kter\u00e9 se mus\u00ed financovat, cht\u011bj\u00ed t\u0159eba i leccos, bez \u010deho se sice d\u00e1 obej\u00edt, ale p\u0159esto by bylo vhodn\u00e9 to m\u00edt, jen\u017ee jejich p\u0159\u00edjmy neodpov\u00eddaj\u00ed svou v\u00fd\u0161\u00ed takov\u00fdm pot\u0159eb\u00e1m. A tak my lid\u00e9 nem\u00edv\u00e1me v\u017edycky v\u0161echno, co bychom pot\u0159ebovali m\u00edt.N\u011bkdy se pak s touto situac\u00ed sm\u00ed\u0159\u00edme, n\u011bkdy ji neseme nelib\u011b, ale p\u0159esto ji n\u011bjak zvl\u00e1d\u00e1me. Ov\u0161em nast\u00e1vaj\u00ed i situace, kdy u\u017e nelze nedostatek n\u011b\u010deho d\u00e1le tolerovat, kdy u\u017e si to pot\u0159ebn\u00e9 v\u00e1\u017en\u011b mus\u00edme po\u0159\u00eddit. Tak\u017ee na to pot\u0159ebujeme pen\u00edze. Kter\u00e9 ale nem\u00e1me.A co te\u010f s t\u00edm? Jak zaplatit za n\u011bco, za co nem\u00e1me \u010d\u00edm zaplatit? Jak financovat n\u011bco, na co se n\u00e1m pen\u011bz nedost\u00e1v\u00e1?Kdy\u017e si nedok\u00e1\u017eeme rychle p\u0159ivyd\u011blat a nem\u00e1me \u00faspory, je\u017e by se daly vyzvednout a za toto utratit, mus\u00edme si pochopiteln\u011b n\u011bjak\u00e9 ty pen\u00edze aspo\u0148 vyp\u016fj\u010dit. Prost\u011b se obr\u00e1t\u00edme na banku nebo podobn\u00fd finan\u010dn\u00ed \u00fastav, tam o p\u016fj\u010dku po\u017e\u00e1d\u00e1me, dolo\u017e\u00edme v\u0161echno, co tam po n\u00e1s po\u017eaduj\u00ed, nech\u00e1me se prov\u011b\u0159it a pak\u2026Pak n\u011bkdy pen\u00edze dostaneme. Ale n\u011bkdy taky ne. Proto\u017ee hlavn\u011b v bank\u00e1ch posuzuj\u00ed kvality n\u00e1s \u017eadatel\u016f hodn\u011b p\u0159\u00edsn\u011b, a sta\u010d\u00ed klidn\u011b i jenom drobn\u00fd nedostatek k tomu, aby n\u00e1m nevyhov\u011bli. Sta\u010d\u00ed o trochu ni\u017e\u0161\u00ed ne\u017e o\u010dek\u00e1van\u00fd p\u0159\u00edjem, sta\u010d\u00ed sebeban\u00e1ln\u011bj\u0161\u00ed z\u00e1znam v registrech dlu\u017en\u00edk\u016f, sta\u010d\u00ed hrozba exekuce a je to.Ale na\u0161t\u011bst\u00ed nemus\u00ed b\u00fdt ani pak zase a\u017e tak zle. Proto\u017ee u n\u00e1s nejsou na finan\u010dn\u00edm trhu jenom banky. Jsou tu i nebankovn\u00ed spole\u010dnosti, a kdy\u017e m\u00e1me my \u017eadatel\u00e9 svoji nemovitost, m\u016f\u017ee se u nich z\u00edskat hypot\u00e9ka bez p\u0159\u00edjmu Hypot\u00e9ky bez registru. U t\u00e9 se toti\u017e zaru\u010d\u00ed spl\u00e1cen\u00ed z\u00e1stavou zm\u00edn\u011bn\u00e9 nemovitosti a pak u\u017e se nen\u00ed t\u0159eba b\u00e1t pom\u011brn\u011b n\u00edzk\u00fdch p\u0159\u00edjm\u016f, registr\u016f dlu\u017en\u00edk\u016f nebo jin\u00fdch probl\u00e9m\u016f. Z\u00e1ruka spl\u00e1cen\u00ed v podob\u011b z\u00e1stavy nemovitosti tu d\u011bl\u00e1 divy, a tak si tu m\u016f\u017ee kdokoliv p\u016fj\u010dit t\u0159eba i velk\u00e9 pen\u00edze. S nimi\u017e lze zaplatit v\u0161e, co je pot\u0159eba.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pot\u0159ebujete dal\u0161\u00ed pen\u00edze?","item":"https:\/\/www.reccr.cz\/potrebujete-dalsi-penize\/#breadcrumbitem"}]}]