[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nacevi.cz\/co-treba-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.nacevi.cz\/co-treba-pujcka\/","headline":"Co t\u0159eba p\u016fj\u010dka?","name":"Co t\u0159eba p\u016fj\u010dka?","description":"Lidem se nejednou st\u00e1v\u00e1, \u017ee je zasko\u010d\u00ed nedostatek finan\u010dn\u00edch prost\u0159edk\u016f. Nen\u00ed na tom v\u016fbec nic zvl\u00e1\u0161tn\u00edho, proto\u017ee nikdo z n\u00e1s nem\u00e1 zaji\u0161t\u011bn\u00e9 ani dosta\u010duj\u00edc\u00ed p\u0159\u00edjmy, ani v\u00fddaje, je\u017e by takov\u00fdm p\u0159\u00edjm\u016fm odpov\u00eddaly. Nen\u00ed to pochopiteln\u011b p\u0159\u00edjemn\u00e9 konstatov\u00e1n\u00ed, ale tak u\u017e to chod\u00ed. N\u011bkdo pot\u0159ebuje investovat dejme tomu do sv\u00e9ho podnik\u00e1n\u00ed, kter\u00e9mu se moment\u00e1ln\u011b neda\u0159\u00ed, n\u011bkdo […]","datePublished":"2020-11-29","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.nacevi.cz\/author\/#Person","name":"","url":"https:\/\/www.nacevi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nacevi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nacevi.cz\/wp-content\/uploads\/time%20is%20money_5.jpg","url":"https:\/\/www.nacevi.cz\/wp-content\/uploads\/time%20is%20money_5.jpg","height":0,"width":0},"url":"https:\/\/www.nacevi.cz\/co-treba-pujcka\/","about":["Finance"],"wordCount":440,"articleBody":"     Lidem se nejednou st\u00e1v\u00e1, \u017ee je zasko\u010d\u00ed nedostatek finan\u010dn\u00edch prost\u0159edk\u016f. Nen\u00ed na tom v\u016fbec nic zvl\u00e1\u0161tn\u00edho, proto\u017ee nikdo z n\u00e1s nem\u00e1 zaji\u0161t\u011bn\u00e9 ani dosta\u010duj\u00edc\u00ed p\u0159\u00edjmy, ani v\u00fddaje, je\u017e by takov\u00fdm p\u0159\u00edjm\u016fm odpov\u00eddaly.Nen\u00ed to pochopiteln\u011b p\u0159\u00edjemn\u00e9 konstatov\u00e1n\u00ed, ale tak u\u017e to chod\u00ed. N\u011bkdo pot\u0159ebuje investovat dejme tomu do sv\u00e9ho podnik\u00e1n\u00ed, kter\u00e9mu se moment\u00e1ln\u011b neda\u0159\u00ed, n\u011bkdo si pot\u0159ebuje koupit vlastn\u00ed st\u0159echu nad hlavou, n\u011bkomu se nedost\u00e1v\u00e1 pen\u011bz na n\u00e1kup n\u011b\u010deho jin\u00e9ho, co by tento pot\u0159eboval, a pokud p\u0159ekro\u010d\u00ed takov\u00e9 finan\u010dn\u00ed po\u017eadavky meze \u00fanosnosti, pokud nen\u00ed nad\u011bje, \u017ee by se s t\u00edm \u010dlov\u011bk v dostate\u010dn\u011b vhodn\u00e9m \u010dasov\u00e9m horizontu dok\u00e1zal vypo\u0159\u00e1dat s vyu\u017eit\u00edm vlastn\u00edch p\u0159\u00edjm\u016f, nen\u00ed nejednou zbyt\u00ed a doty\u010dn\u00fd se prost\u011b mus\u00ed za\u010d\u00edt sh\u00e1n\u011bt po p\u016fj\u010dce.Jen\u017ee takov\u00e9 hled\u00e1n\u00ed n\u011bkoho, kdo by doty\u010dn\u00e9mu p\u016fj\u010dil po\u017eadovanou \u010d\u00e1stku, nen\u00ed nejednou ni\u010d\u00edm p\u0159\u00edjemn\u00fdm. Takov\u00fd \u017eadatel se t\u0159eba n\u011bco nab\u011bh\u00e1 od banky k bance, ale ke sv\u00e9 sm\u016fle nikde nepochod\u00ed. V\u0161ude ho mohou odm\u00edtat s t\u00edm, \u017ee doty\u010dn\u00fd nen\u00ed bonitn\u00ed, tedy \u017ee nen\u00ed schopn\u00fd stoprocentn\u011b prok\u00e1zat, \u017ee bude m\u00edt na to, aby v\u0161echny p\u016fj\u010den\u00e9 finance zase vr\u00e1til.A co si po\u010d\u00edt v podobn\u00e9 situaci, v n\u00ed\u017e se to m\u016f\u017ee zd\u00e1t i vysloven\u011b beznad\u011bjn\u00e9?V takov\u00e9m p\u0159\u00edpad\u011b ur\u010dit\u011b p\u0159ijde vhod americk\u00e1 hypot\u00e9ka Fahd.cz. Ta je tu toti\u017e dostupn\u00e1 i pro ty, kdo by se jinde se zlou pot\u00e1zali, jim\u017e by dost mo\u017en\u00e1 v\u016fbec nikdo jin\u00fd nebyl ochoten pomoci.D\u016fvodem, pro\u010d je to pr\u00e1v\u011b takov\u00e1 hypot\u00e9ka, na ni\u017e by m\u011bl \u010dlov\u011bk v nesn\u00e1z\u00edch vsadit, je skute\u010dnost, \u017ee se zde \u017eadatel\u00e9 nijak d\u016fkladn\u011b neprov\u011b\u0159uj\u00ed a nekladou se na n\u011b ony nesplniteln\u00e9 po\u017eadavky, je\u017e jsou typick\u00e9 u bank. Tady jsou tyto n\u00e1roky nahrazeny krom\u011b prok\u00e1z\u00e1n\u00ed schopnosti ze sv\u00fdch p\u0159\u00edjm\u016f spl\u00e1cet i z\u00e1stavou nemovitosti, d\u00edky n\u00ed\u017e je natolik dostate\u010dn\u011b zaru\u010den\u00e9 vr\u00e1cen\u00ed p\u016fj\u010den\u00fdch pen\u011bz, \u017ee se tu d\u00e1 akceptovat i leckter\u00fd \u017eadatel\u016fv nedostatek.A proto\u017ee se tu p\u016fj\u010duje i za v\u00fdhodn\u00fdch podm\u00ednek, nen\u00ed d\u016fvod, pro\u010d na tuto formu pomoci nevsadit                                                                                                                                                                                                                                                                                                                                                                                          4.8\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co t\u0159eba p\u016fj\u010dka?","item":"https:\/\/www.nacevi.cz\/co-treba-pujcka\/#breadcrumbitem"}]}]