[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gopal.cz\/je-treba-neco-vic\/#Article","mainEntityOfPage":"https:\/\/www.gopal.cz\/je-treba-neco-vic\/","headline":"Je t\u0159eba n\u011bco v\u00edc?","name":"Je t\u0159eba n\u011bco v\u00edc?","description":"Kdyby si lid\u00e9 po\u0159izovali jenom takov\u00e9 zbo\u017e\u00ed nebo slu\u017eby, jak\u00e9<span class=\"more-button\"><a href=\"https:\/\/www.gopal.cz\/je-treba-neco-vic\/\" class=\"more-link\">Pokra\u010dovat ve \u010dten\u00ed<span class=\"screen-reader-text\">Je t\u0159eba n\u011bco v\u00edc?<\/span><\/a><\/span>","datePublished":"2022-07-12","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.gopal.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.gopal.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gopal.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gopal.cz\/wp-content\/uploads\/pokladni%C4%8Dka%20s%20bankovkami.jpg","url":"https:\/\/www.gopal.cz\/wp-content\/uploads\/pokladni%C4%8Dka%20s%20bankovkami.jpg","height":0,"width":0},"url":"https:\/\/www.gopal.cz\/je-treba-neco-vic\/","about":["Finance"],"wordCount":435,"articleBody":"   Kdyby si lid\u00e9 po\u0159izovali jenom takov\u00e9 zbo\u017e\u00ed nebo slu\u017eby, jak\u00e9 si mohou moment\u00e1ln\u011b dovolit a zaplatit, p\u0159\u00edpadn\u011b kdyby v\u0161ichni podnikali v\u00fdlu\u010dn\u011b za sv\u00e9 vlastn\u00ed pen\u00edze, bylo by to na sv\u011bt\u011b jednodu\u0161\u0161\u00ed. Ka\u017ed\u00fd by si \u017eil za sv\u00e9, nikdo by nemusel hledat pomoc a potom p\u0159epl\u00e1cet na \u00faroc\u00edch a poplatc\u00edch vztahuj\u00edc\u00edch se k r\u016fzn\u00fdm p\u016fj\u010dk\u00e1m. A nikdo by pochopiteln\u011b ani neriskoval, \u017ee nakonec nedok\u00e1\u017ee sv\u00e9 dluhy splatit a t\u00edm se vystav\u00ed nep\u0159\u00edjemn\u00fdm rizik\u016fm, od r\u016fzn\u00fdch pen\u00e1le a\u017e t\u0159eba po soudy a exekuce majetku.Jen\u017ee sv\u011bt nen\u00ed dokonal\u00e9 m\u00edsto. A proto nedok\u00e1\u017eou \u017e\u00edt v\u0161ichni lid\u00e9 v\u017edy a za v\u0161ech okolnost\u00ed jenom za sv\u00e9. A n\u011bkdy si mus\u00ed i n\u011bjak\u00e9 ty finan\u010dn\u00ed prost\u0159edky p\u016fj\u010dovat, jenom aby se se sv\u00fdmi z\u00e1vazky n\u011bjak vypo\u0159\u00e1dali.Lid\u00e9 si tedy n\u011bkdy cht\u011bj\u00ed a n\u011bkdy mus\u00ed pen\u00edze p\u016fj\u010dit. Ale to se nemus\u00ed zvl\u00e1dat ani trochu hrav\u011b. Nesta\u010d\u00ed toti\u017e p\u016fj\u010dky cht\u00edt, tak\u00e9 je pot\u0159eba naj\u00edt n\u011bkoho, kdo by byl ochoten pen\u00edze poskytnout. A od ciz\u00edho \u010dlov\u011bka nebo finan\u010dn\u00edho \u00fastavu se do\u010dk\u00e1 p\u016fj\u010dky jenom ten, kdo dok\u00e1\u017ee zaru\u010dit spl\u00e1cen\u00ed.V praxi to znamen\u00e1, \u017ee mus\u00ed m\u00edt \u017eadatel\u00e9 o p\u016fj\u010dku dost velk\u00e9 p\u0159\u00edjmy, \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a jin\u00e9 p\u0159ednosti. A naopak t\u0159eba nesm\u00ed m\u00edt exekuce \u010di nezvladateln\u00e9 dluhy. Proto\u017ee takov\u00fdm, kte\u0159\u00ed zm\u00edn\u011bn\u00e1 dogmata nespl\u0148uj\u00ed, v bance zkr\u00e1tka nep\u016fj\u010d\u00ed.V bance ne. Ale u nebankovn\u00ed spole\u010dnosti n\u011bkdy ano. A proto se tolik lid\u00ed zaj\u00edm\u00e1 o nebankovn\u00ed hypot\u00e9ky. A vyu\u017e\u00edv\u00e1 je. Proto\u017ee je-li u nab\u00eddky typu americk\u00e1 hypot\u00e9ka kalkula\u010dka https:\/\/www.americkahypoteka.cz\/americka-hypoteka-kalkulacka\/, m\u016f\u017ee se kdokoliv p\u0159esv\u011bd\u010dit, \u017ee nejde o \u017e\u00e1dn\u00fd likvida\u010dn\u00ed finan\u010dn\u00ed produkt, a d\u00e1vno se v\u00ed, \u017ee takovou hypot\u00e9ku dostane ka\u017ed\u00fd, kdo za ni m\u016f\u017ee d\u00e1t do z\u00e1stavy odpov\u00eddaj\u00edc\u00ed nemovitost.A pro\u010d by tedy n\u011bkdo nevsadil na rychlou a snadno dostupnou nebankovn\u00ed nab\u00eddku a rad\u011bji \u010dekal v bance, ne\u017e ho zdlouhav\u011b a n\u00e1ro\u010dn\u011b prov\u011b\u0159\u00ed? Pro\u010d by si n\u011bkdo neusnadnil cestu k pen\u011bz\u016fm, a to a\u0165 u\u017e na spot\u0159ebu, nebo na podnik\u00e1n\u00ed, kdy\u017e to jde?                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je t\u0159eba n\u011bco v\u00edc?","item":"https:\/\/www.gopal.cz\/je-treba-neco-vic\/#breadcrumbitem"}]}]