[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lomp.cz\/s-penezi-to-byva-slozite\/#Article","mainEntityOfPage":"https:\/\/www.lomp.cz\/s-penezi-to-byva-slozite\/","headline":"S pen\u011bzi to b\u00fdv\u00e1 slo\u017eit\u00e9","name":"S pen\u011bzi to b\u00fdv\u00e1 slo\u017eit\u00e9","description":"Co byste d\u011blali, kdybyste nem\u011bli dostatek pen\u011bz? P\u0159\u00edpadn\u011b co d\u011bl\u00e1te, kdy\u017e nem\u00e1te tolik pen\u011bz, kolik jich pot\u0159ebujete m\u00edt? Mysl\u00edm, \u017ee si to dok\u00e1\u017eu docela \u017eiv\u011b p\u0159edstavit. Nejd\u0159\u00edve se sna\u017e\u00edte uskromnit na postradateln\u00fdch z\u00e1le\u017eitostech. Kdy\u017e to nesta\u010d\u00ed, zkou\u0161\u00edte to i se \u0161krty mezi t\u00edm, co vypad\u00e1 nepostradateln\u011b, ale aspo\u0148 se to d\u00e1 odlo\u017eit na pozd\u011bji. A […]","datePublished":"2025-04-12","dateModified":"2025-04-12","author":{"@type":"Person","@id":"https:\/\/www.lomp.cz\/author\/#Person","name":"","url":"https:\/\/www.lomp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lomp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lomp.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_6.jpg","url":"https:\/\/www.lomp.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_6.jpg","height":0,"width":0},"url":"https:\/\/www.lomp.cz\/s-penezi-to-byva-slozite\/","about":["Internet"],"wordCount":430,"articleBody":"      Co byste d\u011blali, kdybyste nem\u011bli dostatek pen\u011bz? P\u0159\u00edpadn\u011b co d\u011bl\u00e1te, kdy\u017e nem\u00e1te tolik pen\u011bz, kolik jich pot\u0159ebujete m\u00edt? Mysl\u00edm, \u017ee si to dok\u00e1\u017eu docela \u017eiv\u011b p\u0159edstavit. Nejd\u0159\u00edve se sna\u017e\u00edte uskromnit na postradateln\u00fdch z\u00e1le\u017eitostech. Kdy\u017e to nesta\u010d\u00ed, zkou\u0161\u00edte to i se \u0161krty mezi t\u00edm, co vypad\u00e1 nepostradateln\u011b, ale aspo\u0148 se to d\u00e1 odlo\u017eit na pozd\u011bji. A kdy\u017e ani tato mo\u017enost nevych\u00e1z\u00ed, \u017e\u00e1d\u00e1te o p\u016fj\u010dku. A co z toho n\u00e1m lidem pom\u016f\u017ee? N\u011bkdy to, n\u011bkdy ono. A n\u011bkdy tak\u00e9 nic. To podle okolnost\u00ed. Podle podm\u00ednek, ve kter\u00fdch kdo z n\u00e1s \u017eije. Vyd\u011blat si m\u016f\u017eeme jenom tehdy, kdy\u017e m\u00e1me kde a jak, na n\u011b\u010dem m\u016f\u017eeme u\u0161et\u0159it tak\u00e9 jenom v p\u0159\u00edpad\u011b, \u017ee je tu n\u011bco, na \u010dem se u\u0161et\u0159it d\u00e1. A p\u016fj\u010dky? Ty jsou \u010dasto t\u00edm jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm, ale ani ty se nese\u017eenou zase a\u017e tak snadno, jak bychom si to nejednou p\u0159\u00e1li.Co n\u00e1m komplikuje \u017eivot v p\u0159\u00edpad\u011b, \u017ee se rozhodneme vz\u00edt si p\u016fj\u010dku? P\u0159edev\u0161\u00edm ta skute\u010dnost, \u017ee mus\u00edme prok\u00e1zat svoji schopnost pen\u00edze, kter\u00e9 takto z\u00edsk\u00e1me, zase splatit. A to u\u017e dnes nen\u00ed \u017e\u00e1dn\u00e1 formalita. Formalitou to bylo za dob socialismu, kdy si st\u00e1t v\u0161echno ohl\u00eddal, kdy bylo jist\u00e9, \u017ee \u010dlov\u011bk bude muset pracovat a vyd\u011bl\u00e1vat a bude m\u00edt i jist\u00e9 p\u0159\u00edjmy a sou\u010dasn\u011b z t\u00e9to zem\u011b nikam neute\u010de. Ale dnes u\u017e je posuzov\u00e1n\u00ed \u017eadatel\u016f o p\u016fj\u010dky p\u0159\u00edsn\u011bj\u0161\u00ed. Tito mus\u00ed m\u00edt obvykle hodn\u011b velk\u00e9 p\u0159\u00edjmy, nahl\u00ed\u017e\u00ed se do registr\u016f dlu\u017en\u00edk\u016f a podobn\u011b. A to nejednou p\u0159iprav\u00ed \u010dlov\u011bka o mo\u017enost p\u016fj\u010dku z\u00edskat. Ale na\u0161t\u011bst\u00ed jsou tu i nebankovn\u00ed hypot\u00e9ky. U kter\u00fdch se ru\u010d\u00ed nemovitost\u00ed, a proto se to tu obejde bez kladen\u00ed jin\u00fdch p\u0159ehnan\u00fdch po\u017eadavk\u016f. Nemovitost je jistota, \u017ee se z\u00e1vazky splat\u00ed, a proto lid\u00e9 klidn\u011b dostanou nebankovn\u00ed hypot\u00e9ku i na dlouho a pen\u011bz se tu d\u00e1 z\u00edskat hodn\u011b. A pot\u0159ebuje-li tedy \u010dlov\u011bk pen\u00edze, kter\u00e9 d\u00edky z\u00e1stav\u011b nemovitosti jist\u011b splat\u00ed, je nebankovn\u00ed hypot\u00e9ka bez registru dost zaji\u0161t\u011bn\u00e1 a nebankovn\u00ed spole\u010dnost ji ochotn\u011b vyplat\u00ed skoro hned.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S pen\u011bzi to b\u00fdv\u00e1 slo\u017eit\u00e9","item":"https:\/\/www.lomp.cz\/s-penezi-to-byva-slozite\/#breadcrumbitem"}]}]