[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.terop.cz\/penize-se-i-pujcuji\/#Article","mainEntityOfPage":"https:\/\/www.terop.cz\/penize-se-i-pujcuji\/","headline":"Pen\u00edze se i p\u016fj\u010duj\u00ed","name":"Pen\u00edze se i p\u016fj\u010duj\u00ed","description":"My lid\u00e9 jsme na pen\u011bz\u00edch u\u017e prakticky bytostn\u011b z\u00e1visl\u00ed. Kdybychom je nem\u011bli, kdo v\u00ed, kolik z n\u00e1s by dlouho nep\u0159e\u017eilo a jak by se vedlo t\u011bm, kte\u0159\u00ed by absenci pen\u011bz p\u0159e\u010dkali. Ur\u010dit\u011b by to nebyla \u017e\u00e1dn\u00e1 sl\u00e1va, takov\u00fd \u017eivot by m\u011bl daleko ke kvalit\u00e1m \u017eivota, kter\u00fd vedeme d\u00edky tomu, \u017ee pen\u00edze m\u00e1me. Ale dob\u0159e se...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.terop.cz\/penize-se-i-pujcuji\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Pen\u00edze se i p\u016fj\u010duj\u00ed&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2023-04-15","dateModified":"2023-05-18","author":{"@type":"Person","@id":"https:\/\/www.terop.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.terop.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"terop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.terop.cz\/wp-content\/uploads\/rupee-4395521_960_720.jpg","url":"https:\/\/www.terop.cz\/wp-content\/uploads\/rupee-4395521_960_720.jpg","height":0,"width":0},"url":"https:\/\/www.terop.cz\/penize-se-i-pujcuji\/","about":["Ekonomika"],"wordCount":413,"articleBody":"   My lid\u00e9 jsme na pen\u011bz\u00edch u\u017e prakticky bytostn\u011b z\u00e1visl\u00ed. Kdybychom je nem\u011bli, kdo v\u00ed, kolik z n\u00e1s by dlouho nep\u0159e\u017eilo a jak by se vedlo t\u011bm, kte\u0159\u00ed by absenci pen\u011bz p\u0159e\u010dkali. Ur\u010dit\u011b by to nebyla \u017e\u00e1dn\u00e1 sl\u00e1va, takov\u00fd \u017eivot by m\u011bl daleko ke kvalit\u00e1m \u017eivota, kter\u00fd vedeme d\u00edky tomu, \u017ee pen\u00edze m\u00e1me.Ale dob\u0159e se m\u00e1me vlastn\u011b nejen proto, \u017ee pen\u00edze existuj\u00ed, ale i proto, \u017ee je skute\u010dn\u011b m\u00e1me. Tedy \u017ee je vlastn\u00edme. Samoz\u0159ejm\u011b pokud je vlastn\u00edme. Pokud toti\u017e n\u011bkdo pen\u011bzi neopl\u00fdv\u00e1, z\u00e1konit\u011b se mu ani dob\u0159e nevede. Kdo je nem\u00e1, nem\u00e1 co utr\u00e1cet, a bez utr\u00e1cen\u00ed si nikdo nic nepo\u0159\u00edd\u00ed.Jen\u017ee na ka\u017ed\u00e9ho z n\u00e1s m\u016f\u017ee n\u011bkdy dolehnout finan\u010dn\u00ed t\u00edse\u0148. A kdy\u017e nem\u00e1me pen\u011bz dost a nen\u00ed se ani na \u010dem uskromnit, mus\u00edme se sh\u00e1n\u011bt aspo\u0148 po n\u011bjak\u00e9 p\u016fj\u010dce. Ale jestli si mysl\u00edte, \u017ee kdokoliv po\u017e\u00e1d\u00e1 n\u011bjakou finan\u010dn\u00ed instituci a pen\u00edze formou p\u016fj\u010dky rovnou dostane k dispozici, m\u00fdl\u00edte se. Tak to nefunguje. \u010clov\u011bk mus\u00ed nap\u0159ed prok\u00e1zat, \u017ee p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1t\u00ed, a a\u017e pak m\u016f\u017ee v n\u011bjakou tu pomoc doufat.A kdy\u017e je prokazov\u00e1n\u00ed bonity v bance nad \u017eadatelovy s\u00edly? Pak to tento mus\u00ed zkusit n\u011bkde jinde. Logicky u nebankovn\u00ed spole\u010dnosti.V takov\u00e9m p\u0159\u00edpad\u011b mus\u00ed \u010dlov\u011bk zv\u00e1\u017eit, co m\u016f\u017ee osloven\u00e9mu poskytovateli p\u016fj\u010dek nab\u00eddnout a co od n\u011bj o\u010dek\u00e1v\u00e1. A kdy\u017e si n\u011bkdo pot\u0159ebuje p\u016fj\u010dit velk\u00e9 pen\u00edze, ale nen\u00ed dostate\u010dn\u011b dokonal\u00fd, m\u016f\u017ee vyu\u017e\u00edt t\u0159eba i tu skute\u010dnost, \u017ee vlastn\u00ed nemovitost. Pokud ji vlastn\u00ed. A kdy\u017e se d\u00e1 takov\u00e1 nemovitost do z\u00e1stavy u nebankovn\u00ed spole\u010dnosti, nab\u00edz\u00ed se lehce z\u00edskateln\u00e1 nebankovn\u00ed hypot\u00e9ka https:\/\/www.hypotekybezregistru.cz\/nebankovni-hypoteka\/, kter\u00e1 pr\u00e1v\u011b se z\u00e1stavou nemovitosti souvis\u00ed. A u kter\u00e9 se d\u00edky takov\u00e9 z\u00e1stav\u011b nemus\u00ed dokl\u00e1dat dostate\u010dn\u00e1 v\u00fd\u0161e p\u0159\u00edjm\u016f \u017eadatele a obejde se to t\u0159eba i bez nahl\u00ed\u017een\u00ed do registr\u016f dlu\u017en\u00edk\u016f. A d\u00edky tomu tu neztr\u00e1cej\u00ed nad\u011bji ani ti, kdo jsou podle bank jako \u017eadatel\u00e9 neperspektivn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze se i p\u016fj\u010duj\u00ed","item":"https:\/\/www.terop.cz\/penize-se-i-pujcuji\/#breadcrumbitem"}]}]