[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.duave.cz\/penize-nebyvaji-jiste\/#Article","mainEntityOfPage":"https:\/\/www.duave.cz\/penize-nebyvaji-jiste\/","headline":"Pen\u00edze neb\u00fdvaj\u00ed jist\u00e9","name":"Pen\u00edze neb\u00fdvaj\u00ed jist\u00e9","description":"Jestli je v \u017eivot\u011b n\u011bco jist\u00e9, pak je to skute\u010dnost, \u017ee my lid\u00e9 pot\u0159ebujeme pro svoji existenci pen\u00edze. Zat\u00edmco dok\u00e1\u017eeme leccos klidn\u011b i bez mrknut\u00ed oka o\u017eelet, o finan\u010dn\u00edch prost\u0159edc\u00edch se to rozhodn\u011b tvrdit ned\u00e1, ty pot\u0159ebuje prakticky denn\u011b ka\u017ed\u00fd z n\u00e1s. N\u011bkdy si pot\u0159ebujeme koupit to a jindy zase ono, n\u011bkdy pot\u0159ebujeme vyu\u017e\u00edt takovou","datePublished":"2021-08-22","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.duave.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.duave.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"duave.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.duave.cz\/wp-content\/uploads\/finance%20pod%20lupou.png","url":"https:\/\/www.duave.cz\/wp-content\/uploads\/finance%20pod%20lupou.png","height":0,"width":0},"url":"https:\/\/www.duave.cz\/penize-nebyvaji-jiste\/","about":["Pen\u00edze"],"wordCount":443,"articleBody":"   Jestli je v \u017eivot\u011b n\u011bco jist\u00e9, pak je to skute\u010dnost, \u017ee my lid\u00e9 pot\u0159ebujeme pro svoji existenci pen\u00edze. Zat\u00edmco dok\u00e1\u017eeme leccos klidn\u011b i bez mrknut\u00ed oka o\u017eelet, o finan\u010dn\u00edch prost\u0159edc\u00edch se to rozhodn\u011b tvrdit ned\u00e1, ty pot\u0159ebuje prakticky denn\u011b ka\u017ed\u00fd z n\u00e1s. N\u011bkdy si pot\u0159ebujeme koupit to a jindy zase ono, n\u011bkdy pot\u0159ebujeme vyu\u017e\u00edt takovou nebo onakou slu\u017ebu, a m\u00e1me-li m\u00edt jistotu, \u017ee n\u00e1m bude v tomto ohledu vyhov\u011bno, pot\u0159ebujeme pr\u00e1v\u011b pen\u00edze, jimi\u017e si n\u011bco takov\u00e9ho zaplat\u00edme.Bez pen\u011bz prost\u011b nebudeme nikdy m\u00edt v\u0161echno to, co ke sv\u00e9 existenci pot\u0159ebujeme, a to bez ohledu na to, co konkr\u00e9tn\u011b si pod t\u00edm p\u0159edstavujeme. A tak se do jednoho sna\u017e\u00edme, abychom si vyd\u011blali dost, p\u0159\u00edpadn\u011b abychom si p\u0159i\u0161li na \u017e\u00e1douc\u00ed pen\u00edze aspo\u0148 n\u011bjak jinak. Ov\u0161em nejednou n\u00e1m v tom nen\u00ed p\u0159\u00e1no, nejednou jich prost\u011b nem\u00e1me dost a v ur\u010dit\u00e9m okam\u017eiku n\u00e1m dojdou.A co si po\u010d\u00edt potom? Co nad\u011bl\u00e1me, kdy\u017e bychom m\u011bli platit, jen\u017ee u\u017e nem\u00e1me \u010d\u00edm? Pak n\u00e1s v nouzi nejvy\u0161\u0161\u00ed m\u016f\u017ee zachr\u00e1nit t\u0159eba i n\u011bjak\u00e1 p\u016fj\u010dka. A\u010dkoliv n\u00e1m p\u016fj\u010den\u00e9 pen\u00edze logicky nepat\u0159\u00ed, mohou n\u00e1m pomoci s p\u0159eklenut\u00edm t\u011b\u017ek\u00fdch obdob\u00ed, po nich\u017e je zase vrac\u00edme jejich p\u016fvodn\u00edm majitel\u016fm, a to obvykle i s n\u011bjak\u00fdmi \u00faroky navrch.Ale p\u016fj\u010den\u00e9 pen\u00edze si m\u016f\u017eeme u\u017e\u00edvat jedin\u011b tehdy, kdy\u017e n\u00e1m je n\u011bjak\u00e1 ta finan\u010dn\u00ed instituce k dispozici d\u00e1. A to rozhodn\u011b nen\u00ed n\u011bjak\u00e1 samoz\u0159ejmost, nen\u00ed to formalita. Ne\u017e se n\u00e1m n\u011bkde uvol\u00ed finan\u010dn\u011b vypomoci, po\u017eaduj\u00ed zpravidla z\u00e1ruky, \u017ee se jim pen\u00edze vr\u00e1t\u00ed. A proto\u017ee lid\u00e9 ve finan\u010dn\u00ed t\u00edsni obvykle \u017e\u00e1dn\u00e9 zvl\u00e1\u0161tn\u00ed z\u00e1ruky spl\u00e1cen\u00ed nab\u00eddnout nedok\u00e1\u017eou, mus\u00ed se dlouho hledat optim\u00e1ln\u00ed forma p\u016fj\u010dky. A tou se nakonec \u010dasto uk\u00e1\u017ee b\u00fdt nebankovn\u00ed hypot\u00e9ka, je\u017e se vyzna\u010duje t\u00edm, \u017ee toho chce po \u017eadatel\u00edch skute\u010dn\u011b minimum.U takov\u00e9 hypot\u00e9ky se \u017eadatel zaru\u010duje z\u00e1stavou nemovitosti odpov\u00eddaj\u00edc\u00ed hodnoty, a d\u00edky tomu tu nen\u00ed probl\u00e9m se schvalov\u00e1n\u00edm \u017e\u00e1dost\u00ed. A jakmile m\u00e1 \u010dlov\u011bk i z \u010deho spl\u00e1cet, dostane pot\u0159ebn\u00e9 pen\u00edze a nic u\u017e mu nechyb\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze neb\u00fdvaj\u00ed jist\u00e9","item":"https:\/\/www.duave.cz\/penize-nebyvaji-jiste\/#breadcrumbitem"}]}]