[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.naulici.cz\/kde-si-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.naulici.cz\/kde-si-pujcit\/","headline":"Kde si p\u016fj\u010dit?","name":"Kde si p\u016fj\u010dit?","description":"Pokud chce \u010dlov\u011bk v dne\u0161n\u00ed dob\u011b p\u0159e\u017e\u00edt nebo si dop\u0159\u00e1vat, pot\u0159ebuje pen\u00edze. Zkr\u00e1tka vezme p\u0159im\u011b\u0159enou \u010d\u00e1stku a jde si koupit to, po \u010dem prahne, respektive p\u0159evede pen\u00edze tomu, kdo mu za n\u011b poskytne \u017e\u00e1danou protislu\u017ebu.Ov\u0161em tak to funguje pouze v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b. Tedy tehdy, kdy\u017e se to \u017e\u00e1dan\u00e9 d\u00e1 sehnat a kdy\u017e na to m\u00e1 […]","datePublished":"2019-09-16","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.naulici.cz\/author\/#Person","name":"","url":"https:\/\/www.naulici.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"naulici.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.naulici.cz\/wp-content\/uploads\/img_a365976_w2307_t1578583339.jpg","url":"https:\/\/www.naulici.cz\/wp-content\/uploads\/img_a365976_w2307_t1578583339.jpg","height":0,"width":0},"url":"https:\/\/www.naulici.cz\/kde-si-pujcit\/","about":["Www"],"wordCount":435,"articleBody":"       Pokud chce \u010dlov\u011bk v dne\u0161n\u00ed dob\u011b p\u0159e\u017e\u00edt nebo si dop\u0159\u00e1vat, pot\u0159ebuje pen\u00edze. Zkr\u00e1tka vezme p\u0159im\u011b\u0159enou \u010d\u00e1stku a jde si koupit to, po \u010dem prahne, respektive p\u0159evede pen\u00edze tomu, kdo mu za n\u011b poskytne \u017e\u00e1danou protislu\u017ebu.Ov\u0161em tak to funguje pouze v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b. Tedy tehdy, kdy\u017e se to \u017e\u00e1dan\u00e9 d\u00e1 sehnat a kdy\u017e na to m\u00e1 z\u00e1jemce finan\u010dn\u00ed prost\u0159edky. Proto\u017ee m\u00e1me kapitalismus, nen\u00ed to prvn\u00ed, tedy nab\u00eddka, probl\u00e9m. Zkr\u00e1tka se v\u017edycky najde n\u011bkdo, kdo za \u00faplatu za\u0159\u00edd\u00ed to, co je jin\u00e9mu t\u0159eba. Ov\u0161em hor\u0161\u00ed u\u017e to m\u016f\u017ee b\u00fdt s placen\u00edm. Proto\u017ee pen\u011bz \u010dasto neb\u00fdv\u00e1 tolik, kolika by jich bylo zapot\u0159eb\u00ed.Pokud tak n\u011bkdo n\u011bco pot\u0159ebuje nebo chce, mus\u00ed sehnat po\u017eadovanou \u010d\u00e1stku. A nejednou tedy s po\u0159\u00edzen\u00edm si toho, o\u010d mu jde, pose\u010dkat, dokud se hotovost nenashrom\u00e1\u017ed\u00ed, nebo to urychlit t\u00edm, \u017ee si na to pen\u00edze p\u016fj\u010d\u00ed.Ov\u0161em s tou p\u016fj\u010dkou je to pon\u011bkud o\u0161emetn\u00e9. Jist\u011b, lze si ji vz\u00edt, jen\u017ee ne\u017e se tak stane, je pot\u0159eba splnit po\u017eadavky, je\u017e poskytovatel na \u017eadatele klade. A ty jsou nejednou pro z\u00e1jemce o p\u016fj\u010dku nesplniteln\u00e9. Proto\u017ee ne ka\u017ed\u00fd \u017eadatel m\u00e1 dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy nebo dob\u0159e vypadaj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, ne ka\u017ed\u00fd m\u00e1 registry dlu\u017en\u00edk\u016f bez poskvrnky, ne ka\u017ed\u00fd m\u00e1 dost dobrou finan\u010dn\u00ed bilanci a podobn\u011b.A pokud tu \u010dlov\u011bk nevyhovuje, m\u00e1 sm\u016flu. Banky a jin\u00ed n\u00e1ro\u010dn\u00ed a opatrn\u00ed poskytovatel\u00e9 jeho \u017e\u00e1dost zam\u00edtnou, jistota je jak zn\u00e1mo jistota.Ov\u0161em na\u0161t\u011bst\u00ed je tu je\u0161t\u011b americk\u00e1 hypot\u00e9ka, je\u017e je daleko dostupn\u011bj\u0161\u00ed i pro dost problematick\u00e9 \u017eadatele. Pokud m\u00e1 z\u00e1jemce o p\u016fj\u010dku o tento finan\u010dn\u00ed produkt z\u00e1jem, sta\u010d\u00ed m\u00edt nemovitost, ji\u017e by bylo mo\u017en\u00e9 d\u00e1t do z\u00e1stavy, plus je t\u0159eba m\u00edt z \u010deho spl\u00e1cet. A to sta\u010d\u00ed k tomu, aby \u017eadatel usp\u011bl a pen\u00edze t\u00edmto zp\u016fsobem z\u00edskal. Za docela v\u00fdhodn\u00fdch podm\u00ednek, jak se o tom m\u016f\u017ee p\u0159esv\u011bd\u010dit ka\u017ed\u00fd, kdo by m\u011bl o podobnou nab\u00eddku z\u00e1jem.A pro\u010d byste tak riskovali ne\u00fasp\u011bch v bance, kdy\u017e tady m\u00e1te sv\u00e9 v podstat\u011b jist\u00e9, nen\u00ed-li\u017e pravda?                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde si p\u016fj\u010dit?","item":"https:\/\/www.naulici.cz\/kde-si-pujcit\/#breadcrumbitem"}]}]