[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.telkas.cz\/u-koho-si-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.telkas.cz\/u-koho-si-pujcit\/","headline":"U koho si p\u016fj\u010dit?","name":"U koho si p\u016fj\u010dit?","description":"Ti, jim\u017e nen\u00ed po finan\u010dn\u00ed str\u00e1nce p\u0159\u00e1no, to maj\u00ed v dne\u0161n\u00edm sv\u011bt\u011b t\u011b\u017ek\u00e9. N\u00e1roky, kter\u00e9 si klade sou\u010dasn\u00fd \u017eivot, jsou vysok\u00e9, v\u0161echno se d\u00e1 v … ","datePublished":"2021-11-11","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.telkas.cz\/author\/#Person","name":"","url":"https:\/\/www.telkas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"telkas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.telkas.cz\/wp-content\/uploads\/dolary%20pen%C3%ADze_1.jpg","url":"https:\/\/www.telkas.cz\/wp-content\/uploads\/dolary%20pen%C3%ADze_1.jpg","height":0,"width":0},"url":"https:\/\/www.telkas.cz\/u-koho-si-pujcit\/","about":["Pen\u00edze"],"wordCount":442,"articleBody":"    Ti, jim\u017e nen\u00ed po finan\u010dn\u00ed str\u00e1nce p\u0159\u00e1no, to maj\u00ed v dne\u0161n\u00edm sv\u011bt\u011b t\u011b\u017ek\u00e9. N\u00e1roky, kter\u00e9 si klade sou\u010dasn\u00fd \u017eivot, jsou vysok\u00e9, v\u0161echno se d\u00e1 v dne\u0161n\u00ed dob\u011b p\u0159epo\u010d\u00edt\u00e1vat na pen\u00edze, a z toho jasn\u011b plyne, \u017ee my lid\u00e9 pot\u0159ebujeme pen\u00edze, abychom si mohli dop\u0159\u00e1vat to, bez \u010deho se nem\u016f\u017eeme nebo nechceme obej\u00edt. To je prost\u011b realita a s tou nic nenad\u011bl\u00e1me. Jen\u017ee je ot\u00e1zkou, co maj\u00ed d\u011blat lid\u00e9, kte\u0159\u00ed nemaj\u00ed tolik pen\u011bz, kolik by jich pot\u0159ebovali. Jist\u011b, logika \u0159\u00edk\u00e1, \u017ee by n\u011bkdo takov\u00fd m\u011bl p\u0159estat platit, tedy nakupovat a vyu\u017e\u00edvat r\u016fzn\u00e9 slu\u017eby, jen\u017ee jak v\u0161ichni v\u00edme, to v praxi u\u010dinit nelze. Nem\u016f\u017eeme se odst\u011bhovat na ulici a tam \u017e\u00edt o hladu do doby, ne\u017e si zase vyd\u011bl\u00e1me na n\u00e1jem a n\u00e1kupy, nem\u016f\u017eeme o\u017eelet p\u0159inejmen\u0161\u00edm z\u00e1kladn\u00ed o\u0161acen\u00ed a podobn\u00e9 k \u017eivotu se poj\u00edc\u00ed pot\u0159eby.  Jen\u017ee jak tedy platit, kdy\u017e nen\u00ed \u010d\u00edm? Jak sehnat pen\u00edze, kdy\u017e se n\u00e1m je sehnat neda\u0159\u00ed? \u010casto u\u017e je jenom jedin\u00e1 cesta, jak z t\u011bchto probl\u00e9m\u016f ven. A tou je zcela pochopiteln\u011b p\u016fj\u010dka. Kdy\u017e \u010dlov\u011bku ned\u00e1 dost pen\u011bz jeho zam\u011bstnavatel ani nikdo jin\u00fd, nezb\u00fdv\u00e1 prost\u011b nic jin\u00e9ho ne\u017e oslovit n\u011bjakou finan\u010dn\u00ed instituci, kter\u00e1 pen\u00edze m\u016f\u017ee aspo\u0148 p\u016fj\u010dit.  Jen\u017ee d\u016fle\u017eit\u00e9 je tu ono slovo M\u016e\u017dE. Kdy\u017e toti\u017e n\u011bkdo o p\u016fj\u010dku \u017e\u00e1d\u00e1, nem\u00e1 je\u0161t\u011b v\u016fbec z\u00e1ruku, \u017ee ji tak\u00e9 dostane. P\u016fj\u010dky se toti\u017e naprosto logicky poskytuj\u00ed jenom t\u011bm, kte\u0159\u00ed je dok\u00e1\u017eou splatit, a tak mus\u00ed z\u00e1jemce nejprve dolo\u017eit svoji schopnost a ochotu spl\u00e1cet. A to je n\u011bco, co lid\u00e9 s finan\u010dn\u00edmi pot\u00ed\u017eemi prost\u011b nejednou nedok\u00e1\u017eou. A kdy\u017e n\u011bkoho odm\u00edtnou v bance t\u0159eba pro n\u00edzk\u00e9 v\u00fdd\u011blky, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f nebo t\u0159eba i exekuce? Pak je dob\u0159e, \u017ee doty\u010dn\u00e9mu p\u0159es to v\u0161echno pom\u016f\u017ee aspo\u0148 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu Hypot\u00e9ky bez registru. Tu toti\u017e m\u016f\u017ee dostat kdekdo, i ten, kdo m\u00e1 skute\u010dn\u011b z\u00e1sadn\u00ed probl\u00e9my. A to proto, \u017ee se d\u00e1 p\u0159es takov\u00e9 t\u011b\u017ekosti snadno p\u0159en\u00e9st, kdy\u017e m\u00e1 doty\u010dn\u00fd aspo\u0148 n\u011bjak\u00e9 p\u0159\u00edjmy a nemovitost, kterou by se za spl\u00e1cen\u00ed zaru\u010dil.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"U koho si p\u016fj\u010dit?","item":"https:\/\/www.telkas.cz\/u-koho-si-pujcit\/#breadcrumbitem"}]}]