[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.skreta.cz\/existuji-i-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.skreta.cz\/existuji-i-pujcky\/","headline":"Existuj\u00ed i p\u016fj\u010dky","name":"Existuj\u00ed i p\u016fj\u010dky","description":"V\u0161ichni v\u00edme, jak to chod\u00ed, kdy\u017e si chceme n\u011bco po\u0159\u00eddit. Najdeme si toho, kdo n\u00e1m to je schopen nab\u00eddnout a prodat, vezmeme odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stku pen\u011bz a koup\u00edme si to. Je to rychl\u00e9, je to pohodln\u00e9 a obvykle to funguje. Ov\u0161em funguje to tak jedin\u011b v p\u0159\u00edpadech, kdy na to m\u00e1me dost pen\u011bz. A to nen\u00ed...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.skreta.cz\/existuji-i-pujcky\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Existuj\u00ed i p\u016fj\u010dky&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2022-10-24","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.skreta.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.skreta.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"skreta.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.skreta.cz\/wp-content\/uploads\/jeden%20dolar_10_10_10_6.jpg","url":"https:\/\/www.skreta.cz\/wp-content\/uploads\/jeden%20dolar_10_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.skreta.cz\/existuji-i-pujcky\/","about":["Finance"],"wordCount":422,"articleBody":"   V\u0161ichni v\u00edme, jak to chod\u00ed, kdy\u017e si chceme n\u011bco po\u0159\u00eddit. Najdeme si toho, kdo n\u00e1m to je schopen nab\u00eddnout a prodat, vezmeme odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stku pen\u011bz a koup\u00edme si to. Je to rychl\u00e9, je to pohodln\u00e9 a obvykle to funguje. Ov\u0161em funguje to tak jedin\u011b v p\u0159\u00edpadech, kdy na to m\u00e1me dost pen\u011bz. A to nen\u00ed zase a\u017e tak obvykl\u00e9.Zat\u00edmco bychom si my lid\u00e9 m\u011bli na svou existenci vyd\u011blat, nast\u00e1vaj\u00ed n\u011bkdy i situace, kdy tu nedos\u00e1hneme \u017e\u00e1douc\u00edho v\u00fdsledku. Tedy nem\u00e1me tolik finan\u010dn\u00edch prost\u0159edk\u016f, abychom za n\u011b mohli sehnat v\u0161echno, co pot\u0159ebujeme. A pak bychom se tedy m\u011bli ve sv\u00fdch v\u00fddaj\u00edch krotit, m\u011bli bychom utr\u00e1cet jen za to skute\u010dn\u011b d\u016fle\u017eit\u00e9, a to za to, co si je\u0161t\u011b v takov\u00e9 chv\u00edli m\u016f\u017eeme dovolit.Jen\u017ee n\u011bkdy jsou na\u0161e pot\u0159eby v\u011bt\u0161\u00ed ne\u017e na\u0161e finan\u010dn\u00ed mo\u017enosti. A pak u\u017e prost\u011b ani \u0161et\u0159en\u00ed nepom\u016f\u017ee. Pak u\u017e si mus\u00edme vz\u00edt p\u016fj\u010dku. Co\u017e o to, p\u016fj\u010dek se u n\u00e1s nab\u00edz\u00ed dost a dost a m\u016f\u017eeme si z nich vyb\u00edrat, jen\u017ee oni si sou\u010dasn\u011b i jejich poskytovatel\u00e9 vyb\u00edraj\u00ed, komu z n\u00e1s p\u016fj\u010d\u00ed. A vyb\u00edraj\u00ed si obvykle jenom lidi bonitn\u00ed, tedy ty, kdo maj\u00ed p\u0159edpoklady pro \u017e\u00e1douc\u00ed spl\u00e1cen\u00ed.Ale co ti, kdo takov\u00e9 p\u0159edpoklady nemaj\u00ed? Kdo si vyd\u011bl\u00e1vaj\u00ed m\u00e9n\u011b, ne\u017e jsou poskytovatel\u00e9 p\u016fj\u010dek ochotni akceptovat, kdo maj\u00ed t\u0159eba i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f a jin\u00e9 probl\u00e9my? I ti by si r\u00e1di p\u016fj\u010dili, jen\u017ee copak mohou? \u010casto nemohou. Mohou sice oslovit n\u011bjakou banku, ale je prakticky jist\u00e9, \u017ee se tu pen\u011bz nedo\u010dkaj\u00ed.A do\u010dkaj\u00ed se jich tedy v\u016fbec n\u011bkde? Ano, ale obvykle jen u nebankovn\u00ed spole\u010dnosti. Proto\u017ee se daj\u00ed od nebankovn\u00edho sektoru o\u010dek\u00e1vat i hypot\u00e9ky bez registru, kter\u00e9 dostanou i nedokonal\u00ed \u017eadatel\u00e9 s f\u016frou probl\u00e9m\u016f. A pro\u010d je tomu tak? P\u0159ece kv\u016fli nezbytn\u00e9 nemovit\u00e9 z\u00e1ruce. D\u00edky n\u00ed\u017e jsou u nebankovn\u00edch hypot\u00e9k \u017eadatel\u00e9 posuzov\u00e1ni daleko benevolentn\u011bji. A daleko sp\u00ed\u0161e tak usp\u011bj\u00ed. A z\u00edskaj\u00ed dal\u0161\u00ed pen\u00edze, kter\u00e9 pot\u0159ebuj\u00ed k tomu, aby mohli norm\u00e1ln\u011b existovat.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Existuj\u00ed i p\u016fj\u010dky","item":"https:\/\/www.skreta.cz\/existuji-i-pujcky\/#breadcrumbitem"}]}]