[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.genrod.cz\/ne-vzdy-ma-clovek-penize\/#Article","mainEntityOfPage":"https:\/\/www.genrod.cz\/ne-vzdy-ma-clovek-penize\/","headline":"Ne v\u017edy m\u00e1 \u010dlov\u011bk pen\u00edze","name":"Ne v\u017edy m\u00e1 \u010dlov\u011bk pen\u00edze","description":"Lid\u00e9 \u017eij\u00ed d\u016fstojn\u00fdm \u017eivotem jenom d\u00edky pen\u011bz\u016fm. Kdyby t\u011bchto nebylo, nemohli by lid\u00e9 nakupovat, a kdyby se nedalo […]","datePublished":"2021-07-18","dateModified":"2021-07-18","author":{"@type":"Person","@id":"https:\/\/www.genrod.cz\/author\/#Person","name":"genrod.cz","url":"https:\/\/www.genrod.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"genrod.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.genrod.cz\/wp-content\/uploads\/art405770_4x3_20261015_205153_noc8y5.jpg","url":"https:\/\/www.genrod.cz\/wp-content\/uploads\/art405770_4x3_20261015_205153_noc8y5.jpg","height":0,"width":0},"url":"https:\/\/www.genrod.cz\/ne-vzdy-ma-clovek-penize\/","about":["Ekonomika"],"wordCount":415,"articleBody":"          Lid\u00e9 \u017eij\u00ed d\u016fstojn\u00fdm \u017eivotem jenom d\u00edky pen\u011bz\u016fm. Kdyby t\u011bchto nebylo, nemohli by lid\u00e9 nakupovat, a kdyby se nedalo nakupovat, museli bychom si od\u0159\u00edkat nejen luxusn\u00ed, ale klidn\u011b i docela oby\u010dejn\u00e9 v\u011bci, je\u017e by se r\u00e1zem tak\u00e9 staly luxusem. A p\u0159edstava, \u017ee by mezi takov\u00fd \u201aluxus\u2018 pat\u0159ily t\u0159eba i potraviny, je\u017e dnes bereme u\u017e jako naprostou samoz\u0159ejmost, \u017ee by bylo nedosa\u017eiteln\u00fdm luxusem bydlen\u00ed stejn\u011b jako doprava a dal\u0161\u00ed slu\u017eby, to je u\u017e zd\u00e1nliv\u011b nep\u0159edstaviteln\u00e9. Ov\u0161em lidem nejednou pen\u00edze dojdou. A pak doch\u00e1z\u00ed pr\u00e1v\u011b k takov\u00e9to situaci. Tedy nast\u00e1v\u00e1 realita, v n\u00ed\u017e si \u010dlov\u011bk nem\u016f\u017ee dop\u0159\u00e1t vlastn\u011b skoro nic. Proto\u017ee za to nem\u00e1 jak zaplatit. A proto\u017ee se bez toho, co se pova\u017euje za z\u00e1kladn\u00ed \u017eivotn\u00ed pot\u0159eby, nejednou nelze v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b obej\u00edt, mus\u00ed se n\u011bkdy takov\u00e9 neut\u011b\u0161en\u00e9 finan\u010dn\u00ed pom\u011bry \u0159e\u0161it t\u00edm, \u017ee si \u010dlov\u011bk vezme aspo\u0148 p\u016fj\u010dku. Ov\u0161em p\u016fj\u010dky se rozhodn\u011b neposkytuj\u00ed automaticky, jako na b\u011b\u017e\u00edc\u00edm p\u00e1su. Ani v p\u0159\u00edpad\u011b osob, kter\u00e9 jsou si bl\u00edzk\u00e9, ani v p\u0159\u00edpad\u011b finan\u010dn\u00edch instituc\u00ed, je\u017e takovou pomoc obvykle inzeruj\u00ed a nab\u00edzej\u00ed. A sice proto, \u017ee ten, kdo p\u016fj\u010duje, tou\u017e\u00ed po z\u00e1ruk\u00e1ch, \u017ee se mu poskytnut\u00e9 finan\u010dn\u00ed prost\u0159edky vr\u00e1t\u00ed. A to \u010dlov\u011bk ve finan\u010dn\u00edch nesn\u00e1z\u00edch, kter\u00fd se o p\u016fj\u010dku uch\u00e1z\u00ed, garantovat nem\u016f\u017ee. Proto\u017ee mu v prok\u00e1z\u00e1n\u00ed schopnosti spl\u00e1cet br\u00e1n\u00ed t\u0159eba i pr\u00e1v\u011b to, \u017ee nem\u00e1 dost vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f pro ukojen\u00ed sv\u00fdch pot\u0159eb.  A tak nejednou nezb\u00fdv\u00e1 jin\u00e9 \u0159e\u0161en\u00ed ne\u017e nebankovn\u00ed hypot\u00e9ka. Tedy pochopiteln\u011b za p\u0159edpokladu, \u017ee m\u00e1 \u010dlov\u011bk vlastn\u00ed nemovitost, j\u00ed\u017e by se dok\u00e1zal za p\u016fj\u010den\u00e9 pen\u00edze zaru\u010dit, proto\u017ee bez t\u00e9 se u \u017e\u00e1dn\u00e9 hypot\u00e9ky nelze obej\u00edt. Kdo m\u016f\u017ee nemovitou z\u00e1ruku poskytnout, tomu tu ale rychle a docela v\u00fdhodn\u011b p\u016fj\u010d\u00ed, a to i kdyby m\u011blo j\u00edt o vysokou sumu vy\u017eaduj\u00edc\u00ed mimo jin\u00e9 i dlouhou dobu spl\u00e1cen\u00ed. A proto\u017ee tu obvykle nevad\u00ed ani z\u00e1znamy v registrech dlu\u017en\u00edk\u016f a dal\u0161\u00ed \u017eadatelovy pot\u00ed\u017ee, je takov\u00e1 nebankovn\u00ed hypot\u00e9ka nejednou nenahraditeln\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  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