[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.prohlidni.cz\/jak-se-shaneji-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.prohlidni.cz\/jak-se-shaneji-pujcky\/","headline":"Jak se sh\u00e1n\u011bj\u00ed p\u016fj\u010dky?","name":"Jak se sh\u00e1n\u011bj\u00ed p\u016fj\u010dky?","description":"Sehnat p\u016fj\u010dku je snadn\u00e9, pokud m\u00e1me n\u011bkoho solventn\u00edho, kdo n\u00e1m je ochoten kdykoliv p\u0159isp\u011bchat na pomoc. Kdy\u017e m\u00e1me t\u0159eba hodn\u00e9ho a bohat\u00e9ho str\u00fd\u010dka, ozveme se mu v p\u0159\u00edpad\u011b, \u017ee n\u00e1m do\u0161ly pen\u00edze a pot\u0159ebujeme dal\u0161\u00ed, a on zalov\u00ed v trezoru a pen\u00edze n\u00e1m d\u00e1. Ov\u0161em je tu jedna nep\u0159\u00edjemn\u00e1 skute\u010dnost. A tou je fakt, \u017ee […]","datePublished":"2025-04-04","dateModified":"2025-04-04","author":{"@type":"Person","@id":"https:\/\/www.prohlidni.cz\/author\/#Person","name":"","url":"https:\/\/www.prohlidni.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/325464d7e09ffe52889ba6983accc5cdb65d0a54acd9a25cd7e409bd3eba713a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/325464d7e09ffe52889ba6983accc5cdb65d0a54acd9a25cd7e409bd3eba713a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"prohlidni.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.prohlidni.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp.jpg","url":"https:\/\/www.prohlidni.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp.jpg","height":0,"width":0},"url":"https:\/\/www.prohlidni.cz\/jak-se-shaneji-pujcky\/","about":["Finance"],"wordCount":438,"articleBody":"       Sehnat p\u016fj\u010dku je snadn\u00e9, pokud m\u00e1me n\u011bkoho solventn\u00edho, kdo n\u00e1m je ochoten kdykoliv p\u0159isp\u011bchat na pomoc. Kdy\u017e m\u00e1me t\u0159eba hodn\u00e9ho a bohat\u00e9ho str\u00fd\u010dka, ozveme se mu v p\u0159\u00edpad\u011b, \u017ee n\u00e1m do\u0161ly pen\u00edze a pot\u0159ebujeme dal\u0161\u00ed, a on zalov\u00ed v trezoru a pen\u00edze n\u00e1m d\u00e1. Ov\u0161em je tu jedna nep\u0159\u00edjemn\u00e1 skute\u010dnost. A tou je fakt, \u017ee skoro nikdo z n\u00e1s takov\u00e9ho mimo\u0159\u00e1dn\u011b bohat\u00e9ho str\u00fd\u010dka nem\u00e1. A nem\u00edv\u00e1me ani jin\u00e9 dostate\u010dn\u011b bohat\u00e9 bl\u00edzk\u00e9 p\u0159\u00edbuzn\u00e9, na kter\u00e9 by se dalo spolehnout, kte\u0159\u00ed by n\u00e1m podobn\u011b pomohli. A je u n\u00e1s n\u011bkdo jin\u00fd, kdo by m\u011bl pen\u011bz dost a mohl n\u00e1m je tedy p\u016fj\u010dit? Jist\u011b, \u017ee je. Ale jsou to bohu\u017eel jenom finan\u010dn\u00ed \u00fastavy. A pro\u010d \u0159\u00edk\u00e1m \u201abohu\u017eel\u2018? Samoz\u0159ejm\u011b proto, \u017ee takov\u00e9 banky sice pen\u00edze maj\u00ed a lidem je p\u016fj\u010duj\u00ed, ale nen\u00ed jist\u00e9, \u017ee mezi t\u011bmi, kdo se od nich do\u010dkaj\u00ed pomoci, budeme v p\u0159\u00edpad\u011b pot\u0159eby i my osobn\u011b.Banky nejsou na\u0161i p\u0159\u00e1tel\u00e9 a jejich p\u016fj\u010dky nejsou motivovan\u00e9 touhou pom\u00e1hat t\u011bm, kdo se ocitli v nouzi. Banky p\u016fj\u010duj\u00ed pen\u00edze, aby je dostaly i s \u00faroky zp\u00e1tky. \u017d\u00e1dnou jinou motivaci nemaj\u00ed. A proto s klidem odm\u00edtnou jak\u00e9hokoliv \u017eadatele o pomoc, kter\u00fd jim nedok\u00e1\u017ee dost zaru\u010dit takov\u00e9 splacen\u00ed p\u016fj\u010dky. Kdo nem\u00e1 dost velk\u00e9 p\u0159\u00edjmy nebo m\u00e1 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, nem\u00e1 nad\u011bji.Ale p\u016fj\u010dky jsou n\u00e1m lidem n\u011bkdy p\u0159esto pot\u0159eba. A kdy\u017e nedok\u00e1\u017eeme p\u0159esv\u011bd\u010dit ty, kdo o p\u016fj\u010dk\u00e1ch rozhoduj\u00ed v bank\u00e1ch, mus\u00edme se o to pokusit n\u011bkde jinde. A na\u0161t\u011bst\u00ed n\u00e1m to dost \u010dasto vyjde u nebankovn\u00ed hypot\u00e9ky. U kter\u00e9 po n\u00e1s sice po\u017eaduj\u00ed, abychom m\u011bli z \u010deho spl\u00e1cet, a tak\u00e9 tu mus\u00edme ru\u010dit nemovitostmi, ale to je \u010dasto ve srovn\u00e1n\u00ed s \u017e\u00e1d\u00e1n\u00edm o bankovn\u00ed p\u016fj\u010dky hra\u010dka.A tak my lid\u00e9 \u010dasto \u017e\u00e1d\u00e1me o nebankovn\u00ed hypot\u00e9ky. A kdy\u017e m\u00e1me dost hodnotnou nemovitost k zastaven\u00ed, usp\u011bjeme. Proto\u017ee nebankovn\u00ed hypot\u00e9ka z\u00e1vis\u00ed hlavn\u011b na takov\u00e9 nemovitosti, j\u00ed\u017e tu ru\u010d\u00edme. V\u0161e ostatn\u00ed je tu v\u00edcem\u00e9n\u011b nepodstatn\u00e9, nad p\u0159\u00edpadn\u00fdmi \u017eadatelov\u00fdmi nedostatky se tu p\u0159imhou\u0159\u00ed bez probl\u00e9m\u016f oko.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se sh\u00e1n\u011bj\u00ed p\u016fj\u010dky?","item":"https:\/\/www.prohlidni.cz\/jak-se-shaneji-pujcky\/#breadcrumbitem"}]}]