[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fcmsa.cz\/kde-je-pujcka-jistotou\/#Article","mainEntityOfPage":"https:\/\/www.fcmsa.cz\/kde-je-pujcka-jistotou\/","headline":"Kde je p\u016fj\u010dka jistotou?","name":"Kde je p\u016fj\u010dka jistotou?","description":"Jenom velice t\u011b\u017eko bychom mezi sebou hledali n\u011bkoho, kdo nikdy v \u017eivot\u011b nepoc\u00edtil nedostatek pen\u011bz. Ka\u017ed\u00fd se s t\u00edmto probl\u00e9mem…","datePublished":"2021-10-03","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.fcmsa.cz\/author\/#Person","name":"","url":"https:\/\/www.fcmsa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fcmsa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fcmsa.cz\/wp-content\/uploads\/Japonsko%20m%C4%9Bna.jpg","url":"https:\/\/www.fcmsa.cz\/wp-content\/uploads\/Japonsko%20m%C4%9Bna.jpg","height":0,"width":0},"url":"https:\/\/www.fcmsa.cz\/kde-je-pujcka-jistotou\/","about":["Pen\u00edze"],"wordCount":427,"articleBody":"   Jenom velice t\u011b\u017eko bychom mezi sebou hledali n\u011bkoho, kdo nikdy v \u017eivot\u011b nepoc\u00edtil nedostatek pen\u011bz. Ka\u017ed\u00fd se s t\u00edmto probl\u00e9mem n\u011bkdy pot\u00fdk\u00e1, a to t\u0159eba tehdy, kdy\u017e ho potk\u00e1 pokles nebo do\u010dasn\u00e1 ztr\u00e1ta p\u0159\u00edjm\u016f nebo kdy\u017e mus\u00ed hradit v\u011bt\u0161\u00ed \u010d\u00e1stku, na kterou si prost\u011b ani nevyd\u011blal, ani nena\u0161et\u0159il.Pen\u00edze se prost\u011b ned\u00e1vaj\u00ed automaticky v\u0161em a v takov\u00e9m mno\u017estv\u00ed, abychom mohli m\u00edt na v\u0161echno, na co jenom pomysl\u00edme. A n\u011bkdy nesta\u010d\u00ed ani na naprost\u00e9 existen\u010dn\u00ed minimum, na to, bez \u010deho se prost\u011b neobejdeme. Je mi l\u00edto, ale tak to prost\u011b je.Jen\u017ee nikdo nem\u016f\u017ee \u017e\u00edt nezaji\u0161t\u011bn\u00fdm \u017eivotem. Nikdo se nem\u016f\u017ee odd\u011blit od zbytku spole\u010dnosti a \u017e\u00edt naprosto chud\u00fdm \u017eivotem, v n\u011bm\u017e je odk\u00e1z\u00e1n jenom s\u00e1m na sebe. To by byla b\u00edda s nouz\u00ed, ne-li p\u0159\u00edmo katastrofa. A tak se aspo\u0148 naprosto nezbytn\u00e9 minimum finan\u010dn\u00edch prost\u0159edk\u016f n\u011bkde sehnat mus\u00ed. A to i za tu cenu, \u017ee si ten, koho postihly pen\u00edze, n\u011bkde je\u0161t\u011b n\u011bjak\u00e9 p\u016fj\u010d\u00ed.Jen\u017ee mluvit o p\u0159\u00e1n\u00ed p\u016fj\u010dit si nen\u00ed tot\u00e9\u017e co p\u016fj\u010dku doopravdy z\u00edskat. P\u0159\u00e1t si takovou pomoc sice m\u016f\u017ee ka\u017ed\u00fd, ale ne ka\u017ed\u00fd na ni tak\u00e9 dos\u00e1hne, ne ka\u017ed\u00fd usp\u011bje se svou \u017e\u00e1dost\u00ed o p\u016fj\u010den\u00ed. Proto\u017ee spolu s tou se mus\u00ed prokazovat, zda dok\u00e1\u017ee takov\u00fd \u010dlov\u011bk p\u016fj\u010den\u00e9 pen\u00edze i splatit, a to se d\u011bl\u00e1 nejednou natolik p\u0159\u00edsn\u00fdm zp\u016fsobem, \u017ee ten, kdo m\u00e1 ekonomick\u00e9 probl\u00e9my, neusp\u011bje.A kdy\u017e se nepoda\u0159\u00ed p\u0159esv\u011bd\u010dit banku a \u010dlov\u011bku zde nedaj\u00ed ani korunu? Pak m\u016f\u017ee b\u00fdt u\u017eite\u010dnou i hypot\u00e9ka na chatu Nebankovn\u00ed hypot\u00e9ky. U t\u00e9 se toho po \u017eadatel\u00edch nepo\u017eaduje zase a\u017e tak moc. U t\u00e9 se vysta\u010d\u00ed i jenom se z\u00e1stavou nemovitosti a schopnost\u00ed z n\u011b\u010deho spl\u00e1cet. P\u0159\u00edjmy \u017eadatele nemus\u00ed b\u00fdt vysok\u00e9, nemus\u00ed vadit ani n\u011bjak\u00fd ten z\u00e1znam v registrech dlu\u017en\u00edk\u016f \u010di jin\u00e1 komplikace.A proto je nebankovn\u00ed hypot\u00e9ka \u010dasto d\u016fle\u017eit\u00fd pomocn\u00edk. Kter\u00fd prosp\u011bje v\u0161em, kdo se ocitnou ve finan\u010dn\u00ed t\u00edsni a nemaj\u00ed nikoho jin\u00e9ho, na koho by se mohli obr\u00e1tit se \u017e\u00e1dost\u00ed o pomoc v nouzi.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde je p\u016fj\u010dka jistotou?","item":"https:\/\/www.fcmsa.cz\/kde-je-pujcka-jistotou\/#breadcrumbitem"}]}]