[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vinaf.cz\/pujcka-neni-hanba\/#Article","mainEntityOfPage":"https:\/\/www.vinaf.cz\/pujcka-neni-hanba\/","headline":"P\u016fj\u010dka nen\u00ed hanba","name":"P\u016fj\u010dka nen\u00ed hanba","description":"V\u00fddaje n\u00e1s lid\u00ed b\u00fdvaj\u00ed r\u016fzn\u00e9 a p\u0159\u00edjmy zrovna tak. A v\u0161ichni v\u00edme, co to v praxi znamen\u00e1. Kdy\u017e si hodn\u011b vyd\u011bl\u00e1v\u00e1me a mus\u00edme z\u00e1rove\u0148 jenom m\u00e1lo utr\u00e1cet, m\u00e1me d\u016fvod si svou finan\u010dn\u00ed situaci pochvalovat, proto\u017ee jakmile n\u011bco chceme m\u00edt, vezmeme pen\u00edze, koup\u00edme si to a je to odbyt\u00e9. Jen\u017ee n\u011bkdy m\u00e1me nam\u00edsto toho i velk\u00e9 […]","datePublished":"2023-08-25","dateModified":"2023-09-26","author":{"@type":"Person","@id":"https:\/\/www.vinaf.cz\/author\/#Person","name":"","url":"https:\/\/www.vinaf.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vinaf.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vinaf.cz\/wp-content\/uploads\/art464930_1x1_20261002_073506_YjHUtQ.jpg","url":"https:\/\/www.vinaf.cz\/wp-content\/uploads\/art464930_1x1_20261002_073506_YjHUtQ.jpg","height":0,"width":0},"url":"https:\/\/www.vinaf.cz\/pujcka-neni-hanba\/","about":["Pen\u00edze"],"wordCount":434,"articleBody":"       V\u00fddaje n\u00e1s lid\u00ed b\u00fdvaj\u00ed r\u016fzn\u00e9 a p\u0159\u00edjmy zrovna tak. A v\u0161ichni v\u00edme, co to v praxi znamen\u00e1. Kdy\u017e si hodn\u011b vyd\u011bl\u00e1v\u00e1me a mus\u00edme z\u00e1rove\u0148 jenom m\u00e1lo utr\u00e1cet, m\u00e1me d\u016fvod si svou finan\u010dn\u00ed situaci pochvalovat, proto\u017ee jakmile n\u011bco chceme m\u00edt, vezmeme pen\u00edze, koup\u00edme si to a je to odbyt\u00e9. Jen\u017ee n\u011bkdy m\u00e1me nam\u00edsto toho i velk\u00e9 p\u0159\u00edjmy s velk\u00fdmi v\u00fddaji nebo mal\u00e9 p\u0159\u00edjmy prov\u00e1zen\u00e9 mal\u00fdmi v\u00fddaji, kdy u\u017e to nen\u00ed zase a\u017e tak ide\u00e1ln\u00ed, a n\u011bkdy nastane bohu\u017eel i situace, kdy bychom m\u011bli platit velk\u00e9 v\u00fddaje z m\u00e1la vlastn\u011bn\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f. T\u011bm, kdo jsou v t\u00e9 posledn\u00ed zm\u00edn\u011bn\u00e9 situaci, nem\u016f\u017ee nikdo z\u00e1vid\u011bt. Kdy\u017e m\u00e1 n\u011bkdo takov\u00fd m\u00e1lo pen\u011bz a sou\u010dasn\u011b m\u00e1 hradit velk\u00e9 v\u00fddaje, je jasn\u00e9, \u017ee to nemus\u00ed zvl\u00e1dat. A kdy\u017e nelze vyu\u017e\u00edt na p\u0159ilep\u0161enou sv\u00e9 \u00faspory, je zle. Mus\u00ed se dejme tomu koupit nebo rekonstruovat n\u011bjak\u00e1 nemovitost, mohou b\u00fdt ale i libovoln\u00e9 jin\u00e9 v\u00fddaje, kter\u00e9 dosahuj\u00ed klidn\u011b i p\u0159\u00edmo astronomick\u00e9 v\u00fd\u0161e, a pokud na to pen\u00edze nejsou, ned\u00e1 se to zaplatit. Ale ono se to p\u0159esto n\u011bkdy zaplatit mus\u00ed. Kolikr\u00e1t jenom nikdo nebere ohled na to, zda na n\u011bco pen\u00edze m\u00e1me nebo ne! A abychom to pak zvl\u00e1dli, je t\u0159eba vz\u00edt si p\u016fj\u010dku. A to \u010dasto i hodn\u011b velkou p\u016fj\u010dku, kterou ale \u010dlov\u011bku jenom tak n\u011bkde nenab\u00eddnou.  Dok\u00e1\u017eete si p\u0159edstavit, jak se asi c\u00edt\u00ed \u017eadatel v nevaln\u00e9 \u010di p\u0159\u00edmo zoufal\u00e9 situaci, kdy\u017e jde \u201a\u017eebrat\u2018 do banky a tam mu po dlouh\u00e9m prov\u011b\u0159ov\u00e1n\u00ed \u0159eknou, \u017ee mu nic nep\u016fj\u010d\u00ed, proto\u017ee m\u00e1 p\u0159\u00edli\u0161 n\u00edzk\u00e9 p\u0159\u00edjmy nebo z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. \u010clov\u011bk pak odsud odch\u00e1z\u00ed s nepo\u0159\u00edzenou a s pocitem beznad\u011bje. Proto\u017ee v\u00ed nebo aspo\u0148 tu\u0161\u00ed, \u017ee v jin\u00e9 bance dopadne stejn\u011b. Ale nakonec nemus\u00ed b\u00fdt tak zle. Je tu p\u0159ece i nebankovn\u00ed americk\u00e1 hypot\u00e9ka. A kdy\u017e m\u00e1 \u010dlov\u011bk aspo\u0148 n\u011bjak\u00fd byt, d\u016fm, podnik nebo jinou nemovitost, kter\u00e1 by se dala vyu\u017e\u00edt jako z\u00e1ruka spl\u00e1cen\u00ed, tady usp\u011bje. A dostane klidn\u011b i ty opravdu velk\u00e9 pen\u00edze, jimi\u017e se daj\u00ed hradit i skute\u010dn\u011b astronomick\u00e9 v\u00fddaje.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka nen\u00ed hanba","item":"https:\/\/www.vinaf.cz\/pujcka-neni-hanba\/#breadcrumbitem"}]}]