[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sras.cz\/neni-li-za-co-zit\/#Article","mainEntityOfPage":"https:\/\/www.sras.cz\/neni-li-za-co-zit\/","headline":"Nen\u00ed-li za co \u017e\u00edt","name":"Nen\u00ed-li za co \u017e\u00edt","description":"Ka\u017ed\u00fd \u010dlov\u011bk chce \u017e\u00edt. A \u017e\u00edt se d\u00e1 pochopiteln\u011b jedin\u011b tehdy, kdy\u017e jsou u doty\u010dn\u00e9ho uspokojeny alespo\u0148 ty nejz\u00e1kladn\u011bj\u0161\u00ed \u017eivotn\u00ed pot\u0159eby. Jen\u017ee jak za toto absolutn\u00ed minimum, tak i za n\u011bco nav\u00edc se mus\u00ed obvykle platit. A to je probl\u00e9m. Proto\u017ee ne ka\u017ed\u00fd m\u00e1 tolik pen\u011bz, kolik by jich pot\u0159eboval m\u00edt, a ne ka\u017ed\u00fd to […]","datePublished":"2021-06-21","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.sras.cz\/author\/#Person","name":"sras.cz","url":"https:\/\/www.sras.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sras.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sras.cz\/wp-content\/uploads\/pen%C3%ADze%20Filip%C3%ADn.jpg","url":"https:\/\/www.sras.cz\/wp-content\/uploads\/pen%C3%ADze%20Filip%C3%ADn.jpg","height":0,"width":0},"url":"https:\/\/www.sras.cz\/neni-li-za-co-zit\/","about":["Finance"],"wordCount":425,"articleBody":"     Ka\u017ed\u00fd \u010dlov\u011bk chce \u017e\u00edt. A \u017e\u00edt se d\u00e1 pochopiteln\u011b jedin\u011b tehdy, kdy\u017e jsou u doty\u010dn\u00e9ho uspokojeny alespo\u0148 ty nejz\u00e1kladn\u011bj\u0161\u00ed \u017eivotn\u00ed pot\u0159eby. Jen\u017ee jak za toto absolutn\u00ed minimum, tak i za n\u011bco nav\u00edc se mus\u00ed obvykle platit. A to je probl\u00e9m. Proto\u017ee ne ka\u017ed\u00fd m\u00e1 tolik pen\u011bz, kolik by jich pot\u0159eboval m\u00edt, a ne ka\u017ed\u00fd to dok\u00e1\u017ee vlastn\u00edmi silami pozitivn\u011b ovlivnit, tedy sehnat v\u017edy tolik pen\u011bz, kolika jich je pot\u0159eba.Lid\u00e9 prost\u011b n\u011bkdy n\u011bco pot\u0159ebuj\u00ed, ale nemaj\u00ed na to. A kdy\u017e nen\u00ed za co si to koupit, je nutno sm\u00ed\u0159it se s t\u00edm, \u017ee to bude muset \u010dlov\u011bk o\u017eelet. P\u0159inejmen\u0161\u00edm do doby, ne\u017e si zase vyd\u011bl\u00e1 a pen\u00edze na to tak m\u00edt bude. A nechce-li se doty\u010dn\u00fd uskrom\u0148ovat, mus\u00ed si postr\u00e1dan\u00e9 pen\u00edze p\u016fj\u010dit.P\u016fj\u010dka m\u00e1 tu v\u00fdhodu, \u017ee ji \u010dlov\u011bk m\u00e1 nad\u011bji z\u00edskat tehdy, kdy\u017e pot\u0159ebuje pen\u00edze nav\u00edc. Sta\u010d\u00ed si o ni n\u011bkde za\u017e\u00e1dat a po\u010dkat, a\u017e ji osloven\u00e1 finan\u010dn\u00ed instituce schv\u00e1l\u00ed.Jen\u017ee co kdy\u017e ji neschv\u00e1l\u00ed? A v\u011b\u0159te mi, \u017ee odm\u00edtnut\u00ed \u017eadatel\u00e9 rozhodn\u011b nejsou n\u011bjak\u00fdmi b\u00edl\u00fdmi vr\u00e1nami, jich\u017e je jak zn\u00e1mo poskrovnu. Pak je nutn\u00e9 rezignovat nebo se pokusit usp\u011bt n\u011bkde jinde, tam, kde nejsou zase a\u017e tak p\u0159\u00edsn\u00e9 podm\u00ednky.A proto je mezi lidmi, kte\u0159\u00ed usiluj\u00ed o z\u00edsk\u00e1n\u00ed p\u016fj\u010dky, tolik t\u011bch, kte\u0159\u00ed se zaj\u00edmaj\u00ed o americk\u00e9 hypot\u00e9ky od nebankovn\u00ed spole\u010dnosti. Proto\u017ee pr\u00e1v\u011b u t\u011bchto hypot\u00e9k se d\u00e1 usp\u011bt velice snadno. I kdy\u017e se i zde kladou podm\u00ednky, kter\u00fdm mus\u00ed \u017eadatel\u00e9 vyhov\u011bt, jsou to podm\u00ednky, je\u017e kdekdo zvl\u00e1dne. Proto\u017ee se tu mus\u00ed d\u00e1t jako\u017eto z\u00e1ruka do z\u00e1stavy \u017eadatelova nemovitost, kterou ale maj\u00ed mnoz\u00ed z n\u00e1s, a je to tud\u00ed\u017e daleko jednodu\u0161\u0161\u00ed ne\u017e prokazovat v bance hodn\u011b vysok\u00e9 p\u0159\u00edjmy, je\u017e u n\u00e1s ani zdaleka tak b\u011b\u017en\u00fdm \u00fakazem nejsou. U nebankovn\u00edch hypot\u00e9k nemus\u00ed vadit dokonce ani z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, ani exekuce, ani jin\u00e9 obt\u00ed\u017ee. Sta\u010d\u00ed, \u017ee je d\u00e1na nemovit\u00e1 z\u00e1ruka a \u017ee dlu\u017en\u00edk dok\u00e1\u017ee spl\u00e1cet. A lep\u0161\u00ed podm\u00ednky \u010dlov\u011bku t\u011b\u017eko n\u011bkde jinde nab\u00eddnou.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed-li za co \u017e\u00edt","item":"https:\/\/www.sras.cz\/neni-li-za-co-zit\/#breadcrumbitem"}]}]