[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ziris.cz\/neni-pujcka-jako-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.ziris.cz\/neni-pujcka-jako-pujcka\/","headline":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","description":"Kdy\u017e si \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, aby si za n\u011b po\u0159\u00eddil n\u011bjakou hloupost, ne-li p\u0159\u00edmo \u201ep\u00edp\u201c, nemus\u00ed se dlouho rozm\u00fd\u0161let, od koho si p\u016fj\u010d\u00ed. Proto\u017ee a\u0165 p\u0159ijme pen\u00edze od kohokoliv, dopadne to s velkou pravd\u011bpodobnost\u00ed \u0161patn\u011b. Rozfofruje je za ony hlouposti a a\u017e jednou z\u00e1konit\u011b p\u0159ijde \u010das dluh splatit, skon\u010d\u00ed to pravd\u011bpodobn\u011b exekutorem. A pokud","datePublished":"2019-01-11","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.ziris.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ziris.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a6945111a6684c356ffa2edea93eeeab9450e38d2439d8ecd0a625f734db9218?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ziris.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ziris.cz\/wp-content\/uploads\/img_a335776_w2219_t1548953948.png","url":"https:\/\/www.ziris.cz\/wp-content\/uploads\/img_a335776_w2219_t1548953948.png","height":0,"width":0},"url":"https:\/\/www.ziris.cz\/neni-pujcka-jako-pujcka\/","wordCount":530,"articleBody":" Kdy\u017e si \u010dlov\u011bk pot\u0159ebuje p\u016fj\u010dit pen\u00edze, aby si za n\u011b po\u0159\u00eddil n\u011bjakou hloupost, ne-li p\u0159\u00edmo \u201ep\u00edp\u201c, nemus\u00ed se dlouho rozm\u00fd\u0161let, od koho si p\u016fj\u010d\u00ed. Proto\u017ee a\u0165 p\u0159ijme pen\u00edze od kohokoliv, dopadne to s velkou pravd\u011bpodobnost\u00ed \u0161patn\u011b. Rozfofruje je za ony hlouposti a a\u017e jednou z\u00e1konit\u011b p\u0159ijde \u010das dluh splatit, skon\u010d\u00ed to pravd\u011bpodobn\u011b exekutorem. A pokud u\u017e se takov\u00fd jedinec rozm\u00fd\u0161let mus\u00ed, pak nejednou jedin\u011b nad t\u00edm, kdo mu p\u016fj\u010d\u00ed \u2013 proto\u017ee ti, kdo nab\u00edzej\u00ed finan\u010dn\u00ed injekce, nejsou vesm\u011bs \u017e\u00e1dn\u00ed hlup\u00e1ci a na podobn\u00e9 v\u00fdst\u0159elky jen tak bez z\u00e1ruk nep\u016fj\u010d\u00ed. Proto\u017ee kdyby p\u016fj\u010dili, u\u017e by ty pen\u00edze nejsp\u00ed\u0161 nikdy nevid\u011bli a nem\u011bli by co p\u016fj\u010dovat. Ov\u0161em pokud si \u010dlov\u011bk pot\u0159ebuje nal\u00e9hav\u011b p\u016fj\u010dit na n\u011bco smyslupln\u00e9ho, uva\u017eovat by nad takovou p\u016fj\u010dkou m\u011bl. Aby si zvolil to, co nejl\u00e9pe odpov\u00edd\u00e1 jeho pot\u0159eb\u00e1m a na co m\u00e1 tak\u00e9 re\u00e1lnou \u0161anci dos\u00e1hnout. Byl by t\u0159eba lep\u0161\u00ed ? A v \u010dem se tyto dv\u011b v\u011bci vlastn\u011b li\u0161\u00ed? A v \u010dem se li\u0161\u00ed p\u016fj\u010dky od bank od t\u011bch od nebankovn\u00edch spole\u010dnost\u00ed? Nev\u00edte-li, v\u011bzte, \u017ee: a) U hypot\u00e9\u010dn\u00edho \u00fav\u011bru se mus\u00edte za p\u016fj\u010den\u00e9 pen\u00edze zaru\u010dit nemovitost\u00ed a tyto pen\u00edze pak pou\u017e\u00edt na n\u011bco souvisej\u00edc\u00ed s bydlen\u00edm, t\u0159eba na rekonstrukci, koupi \u010di stavbu nemovitosti. \u010clov\u011bk tu plat\u00ed vcelku n\u00edzk\u00fd \u00farok a nejednou m\u016f\u017ee velk\u00e9 \u010d\u00e1stky i dlouho spl\u00e1cet. b) U spot\u0159ebitelsk\u00e9ho \u00fav\u011bru sta\u010d\u00ed pouze dolo\u017eit p\u0159\u00edjmy, nemovit\u00fd majetek zastavovat net\u0159eba, nen\u00ed nutno ani sd\u011blovat, na co budou p\u016fj\u010den\u00e9 pen\u00edze pou\u017eity. Jedn\u00e1 se tu v\u0161ak vesm\u011bs jen o ni\u017e\u0161\u00ed \u010d\u00e1stky, je\u017e mus\u00ed b\u00fdt splaceny v krat\u0161\u00ed lh\u016ft\u011b a obvykle s vy\u0161\u0161\u00edm \u00farokem. \u017de v\u00e1m nevyhovuje ani jedna z t\u011bchto mo\u017enost\u00ed? \u017de byste pot\u0159ebovali v\u00edce pen\u011bz na del\u0161\u00ed dobu, ov\u0161em sou\u010dasn\u011b s on\u00edm p\u0159ijateln\u011bj\u0161\u00edm \u00farokem a bez nutnosti dokl\u00e1dat p\u0159\u00edjem, vysv\u011btlovat probl\u00e9my s platbami v minulosti \u010di \u00fa\u010del, na jak\u00fd maj\u00ed b\u00fdt tyto pen\u00edze pou\u017eity? Pak se m\u016f\u017eete j\u00edt klouzat. Anebo zvolit \u201et\u0159et\u00ed cestu\u201c jm\u00e9nem americk\u00e1 hypot\u00e9ka. Ta v sob\u011b skr\u00fdv\u00e1 p\u0159ednosti obou v\u00fd\u0161e zm\u00edn\u011bn\u00fdch finan\u010dn\u00edch produkt\u016f. Zastavujete p\u0159i n\u00ed nemovitost, d\u00edky \u010demu\u017e dostanete i mnoho pen\u011bz, n\u00edzk\u00fd \u00farok i mo\u017enost spl\u00e1cet dlouhodob\u011b, ov\u0161em z\u00e1rove\u0148 m\u016f\u017eete tyto pen\u00edze pou\u017e\u00edt na cokoliv, co v\u00e1s jenom napadne. Americk\u00e1 hypot\u00e9ka tak m\u00e1 jen jednu jedinou nev\u00fdhodu shodnou s p\u0159edchoz\u00edmi finan\u010dn\u00edmi produkty. A to tu, \u017ee ji budete muset v term\u00ednu (nebo z vlastn\u00ed v\u016fle i p\u0159ed\u010dasn\u011b bez sankc\u00ed) zase vr\u00e1tit.                                                                                                                                                                                                                                                                                                                                                                                         4.4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","item":"https:\/\/www.ziris.cz\/neni-pujcka-jako-pujcka\/#breadcrumbitem"}]}]