[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nadett.cz\/proc-bychom-si-nepujcili\/#Article","mainEntityOfPage":"https:\/\/www.nadett.cz\/proc-bychom-si-nepujcili\/","headline":"Pro\u010d bychom si nep\u016fj\u010dili?","name":"Pro\u010d bychom si nep\u016fj\u010dili?","description":"Mnoho z n\u00e1s za\u017e\u00edv\u00e1 nejednou finan\u010dn\u011b slo\u017eit\u00e1 obdob\u00ed. N\u011bkdy se n\u00e1m prost\u011b neda\u0159\u00ed si na sebe vyd\u011blat, a to ani […]","datePublished":"2022-08-20","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.nadett.cz\/author\/#Person","name":"","url":"https:\/\/www.nadett.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nadett.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nadett.cz\/wp-content\/uploads\/dolar%20jeden.jpg","url":"https:\/\/www.nadett.cz\/wp-content\/uploads\/dolar%20jeden.jpg","height":0,"width":0},"url":"https:\/\/www.nadett.cz\/proc-bychom-si-nepujcili\/","about":["Pen\u00edze"],"wordCount":429,"articleBody":"          Mnoho z n\u00e1s za\u017e\u00edv\u00e1 nejednou finan\u010dn\u011b slo\u017eit\u00e1 obdob\u00ed. N\u011bkdy se n\u00e1m prost\u011b neda\u0159\u00ed si na sebe vyd\u011blat, a to ani tehdy, kdy\u017e se o to maxim\u00e1ln\u011b sna\u017e\u00edme. A pak nemaj\u00ed spot\u0159ebitel\u00e9 t\u0159eba ni na sv\u00e9 \u017eivobyt\u00ed a podnikatel\u00e9 na to, aby zaji\u0161\u0165ovali norm\u00e1ln\u00ed chod sv\u00fdch firem. A v obou p\u0159\u00edpadech je takov\u00fd nedostatek pen\u011bz a v\u0161echno, co s n\u00edm souvis\u00ed, prov\u00e1zen skute\u010dn\u011b nep\u0159\u00edjemn\u00fdmi situacemi, jim\u017e by se ka\u017ed\u00fd z lid\u00ed nejrad\u011bji vyhnul. A kdy\u017e se jim vyhnout neda\u0159\u00ed? Pak to m\u016f\u017ee d\u00e1t do po\u0159\u00e1dku t\u0159eba aspo\u0148 n\u011bjak\u00e1 ta p\u016fj\u010dka.  Chce-li si ale n\u011bkdo p\u016fj\u010dit, mus\u00ed v prvn\u00ed \u0159ad\u011b po\u010d\u00edtat s t\u00edm, \u017ee bude muset prok\u00e1zat svoji bonitu, tedy schopnost spl\u00e1cet. Nikdo tu nikomu nep\u016fj\u010duje proto, aby riskoval, \u017ee u\u017e sv\u00e9 pen\u00edze nikdy neuvid\u00ed, ka\u017ed\u00fd chce ur\u010dit\u00e9 z\u00e1ruky. A z\u00e1jemci o p\u016fj\u010dky by si tak nem\u011bli vyb\u00edrat z r\u016fzn\u00fdch nab\u00eddek jenom podle v\u00fd\u0161e \u00farok\u016f a poplatk\u016f. I to jsou sice parametry z\u00e1sadn\u00edho v\u00fdznamu, ale rozhoduj\u00edc\u00ed je tu v prvn\u00ed \u0159ad\u011b to, nakolik je kter\u00e1 p\u016fj\u010dka pro koho z\u00edskateln\u00e1. Proto\u017ee k \u010demu je i ta nejlep\u0161\u00ed nab\u00eddka, kdy\u017e ji \u010dlov\u011bk nakonec nedostane? K ni\u010demu.  A kdy\u017e se tak n\u011bkdo zaj\u00edm\u00e1 o to, kter\u00e1 z p\u016fj\u010dek je pro n\u011bj finan\u010dn\u011b zaj\u00edmav\u00e1 a dosa\u017eiteln\u00e1, obvykle dosp\u011bje k tomu, \u017ee je to nebankovn\u00ed americk\u00e1 hypot\u00e9ka. A to z toho jednoduch\u00e9ho d\u016fvodu, \u017ee zde nejsou rozhoduj\u00edc\u00ed ani vysok\u00e9 p\u0159\u00edjmy \u017eadatele, ani \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a dal\u0161\u00ed podobn\u00e9 p\u0159ednosti. Tady se prost\u011b d\u00e1v\u00e1 a mus\u00ed d\u00e1vat nemovitost do z\u00e1stavy, a za tu pak m\u016f\u017ee \u017eadatel z\u00edskat i docela velk\u00e9 pen\u00edze. A ty pak klidn\u011b i dlouho a v\u00fdhodn\u011b spl\u00e1cet. D\u00edky nahrazen\u00ed vysok\u00fdch p\u0159\u00edjm\u016f a \u010dist\u00fdch registr\u016f dlu\u017en\u00edk\u016f z\u00e1stavou nemovitosti tu tedy maj\u00ed \u0161anci na z\u00edsk\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f i lid\u00e9, kte\u0159\u00ed na tom nejsou zrovna nejl\u00e9pe. Ale kdy\u017e pak takov\u00e9 p\u016fj\u010den\u00e9 pen\u00edze rozumn\u011b vyu\u017eij\u00ed, mohou na tom klidn\u011b i nejl\u00e9pe b\u00fdt. A to za p\u0159\u00edzniv\u00fd \u00farok a za podm\u00ednek, je\u017e se daj\u00ed lehce zvl\u00e1dnout.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d bychom si nep\u016fj\u010dili?","item":"https:\/\/www.nadett.cz\/proc-bychom-si-nepujcili\/#breadcrumbitem"}]}]