[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.soremus.cz\/ktera-pujcka-je-jistotou\/#Article","mainEntityOfPage":"https:\/\/www.soremus.cz\/ktera-pujcka-je-jistotou\/","headline":"Kter\u00e1 p\u016fj\u010dka je jistotou?","name":"Kter\u00e1 p\u016fj\u010dka je jistotou?","description":"Je samoz\u0159ejm\u00e9, \u017ee my lid\u00e9 pot\u0159ebujeme dostatek pen\u011bz a sou\u010dasn\u011b jich v mnoha p\u0159\u00edpadech dost nem\u00e1me. Proto\u017ee si mus\u00edme ka\u017edou chv\u00edli kupovat n\u011bco, co postr\u00e1d\u00e1me, […]","datePublished":"2025-05-01","dateModified":"2025-05-01","author":{"@type":"Person","@id":"https:\/\/www.soremus.cz\/author\/#Person","name":"","url":"https:\/\/www.soremus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"soremus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.soremus.cz\/wp-content\/uploads\/ppppppppppppppppppppp_10_10_10.jpg","url":"https:\/\/www.soremus.cz\/wp-content\/uploads\/ppppppppppppppppppppp_10_10_10.jpg","height":0,"width":0},"url":"https:\/\/www.soremus.cz\/ktera-pujcka-je-jistotou\/","about":["Finance"],"wordCount":449,"articleBody":"       Je samoz\u0159ejm\u00e9, \u017ee my lid\u00e9 pot\u0159ebujeme dostatek pen\u011bz a sou\u010dasn\u011b jich v mnoha p\u0159\u00edpadech dost nem\u00e1me. Proto\u017ee si mus\u00edme ka\u017edou chv\u00edli kupovat n\u011bco, co postr\u00e1d\u00e1me, ale sou\u010dasn\u011b nen\u00ed nikdy zaru\u010den\u00e9, \u017ee n\u00e1m na\u0161i chlebod\u00e1rci daj\u00ed tolik pen\u011bz, kolika jich n\u00e1m je vzhledem k na\u0161im v\u00fddaj\u016fm zapot\u0159eb\u00ed. A tak jsme n\u011bkdy i v docela nez\u00e1vid\u011bn\u00edhodn\u00e9 situaci, v n\u00ed\u017e bychom pen\u00edze pot\u0159ebovali, ale nen\u00ed n\u00e1m p\u0159\u00e1no. A pak pochopiteln\u011b nem\u00e1me jinou mo\u017enost ne\u017e si n\u011bjak\u00e9 n\u011bkde vyp\u016fj\u010dit. A tak si za\u010dneme l\u00e1mat hlavu a p\u0159em\u00fd\u0161let, co je pro n\u00e1s to prav\u00e9. A k \u010demu dosp\u011bjeme? V prvn\u00ed \u0159ad\u011b k tomu, \u017ee pro n\u00e1s nejsou v\u0161echny p\u016fj\u010dky dostupn\u00e9 automaticky. \u00dam\u011brn\u011b tomu, jak dobr\u00e1 nebo \u0161patn\u00e1 na\u0161e ekonomick\u00e1 situace je, toti\u017e stoup\u00e1 nebo kles\u00e1 na\u0161e nad\u011bje na to, \u017ee n\u011bkterou z dobr\u00fdch p\u016fj\u010dek z\u00edsk\u00e1me. Dokud jsme bonitn\u00ed, tedy zvl\u00e1d\u00e1me p\u0159esv\u011bd\u010dit o tom, \u017ee budeme schopni spl\u00e1cet, m\u016f\u017eeme \u017e\u00e1dat o prakticky kteroukoliv nab\u00eddku, zat\u00edmco \u010d\u00edm jsme na tom h\u016f\u0159, t\u00edm sp\u00ed\u0161e se d\u00e1 o\u010dek\u00e1vat, \u017ee n\u00e1s poskytovatel\u00e9 p\u016fj\u010dek odm\u00edtnou. A co kdy\u017e tedy p\u016fj\u010dku pot\u0159ebujeme, o pen\u00edze nav\u00edc po\u017e\u00e1d\u00e1me, dejme tomu v bance, a jsme odm\u00edtnuti t\u0159eba kv\u016fli nedostate\u010dn\u00fdm p\u0159\u00edjm\u016fm nebo registr\u016fm dlu\u017en\u00edk\u016f, exekuc\u00edm a podobn\u011b? Pak je v mnoha p\u0159\u00edpadech jedin\u00e1 mo\u017enost, jak to je\u0161t\u011b zvl\u00e1dnout. A tou je nebankovn\u00ed hypot\u00e9ka. Na kterou pochopiteln\u011b tak\u00e9 nedos\u00e1hnou v\u0161ichni, ale z\u00edskaj\u00ed ji ti, kdo za ni mohou ru\u010dit nemovitost\u00ed. Co\u017e je dobr\u00e1 zpr\u00e1va pro ty, kdo na tom sice nejsou dob\u0159e, ale n\u011bjakou nemovitost do z\u00e1stavy d\u00e1t mohou. A tak nab\u00eddne \u010dlov\u011bk v p\u0159\u00edpad\u011b pot\u0159eby takovou nemovitou z\u00e1stavu a za to se mu nab\u00edz\u00ed kup\u0159\u00edkladu i hodn\u011b v\u00fdhodn\u00e1 a t\u0159eba i na dlouhou dobu poskytovan\u00e1 nebankovn\u00ed hypot\u00e9ka. U kter\u00e9 v\u016fbec nevad\u00ed, \u017ee nem\u00e1 \u017eadatel pr\u00e1v\u011b sv\u011btoborn\u00e9 p\u0159\u00edjmy a \u017ee m\u00e1 zaznamenan\u00e9 i n\u011bco nep\u0159\u00edjemn\u00e9ho v registrech dlu\u017en\u00edk\u016f. A tak n\u011bkdo \u017e\u00e1d\u00e1 o nebankovn\u00ed hypot\u00e9ku, kdy\u017e sel\u017ee v bance. A n\u011bkdo o ni \u017e\u00e1d\u00e1 rovnou, proto\u017ee u\u017e v\u00ed, \u017ee tady m\u00e1 sv\u00e9 jist\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          3\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kter\u00e1 p\u016fj\u010dka je jistotou?","item":"https:\/\/www.soremus.cz\/ktera-pujcka-je-jistotou\/#breadcrumbitem"}]}]