[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.simpli.cz\/jak-si-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.simpli.cz\/jak-si-pujcit\/","headline":"Jak si p\u016fj\u010dit?","name":"Jak si p\u016fj\u010dit?","description":"Lidem je zapot\u0159eb\u00ed vyd\u011bl\u00e1vat dostatek pen\u011bz. Proto\u017ee \u2013 jak v\u0161ichni v\u00edme \u2013 jsou to pr\u00e1v\u011b pen\u00edze, co umo\u017e\u0148uje v\u00e9st v dne\u0161n\u00ed dob\u011b dostate\u010dn\u011b kvalitn\u00ed \u017eivot. […]","datePublished":"2020-12-21","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.simpli.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.simpli.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7c144e1de0ecc43e7a8353c804f0c7ea63c9554336576e7048c4bdeaa59bbbbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"simpli.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.simpli.cz\/wp-content\/uploads\/art394198_4x3_20260821_041306_2Ad1vs.jpg","url":"https:\/\/www.simpli.cz\/wp-content\/uploads\/art394198_4x3_20260821_041306_2Ad1vs.jpg","height":0,"width":0},"url":"https:\/\/www.simpli.cz\/jak-si-pujcit\/","about":["Online"],"wordCount":427,"articleBody":"        Lidem je zapot\u0159eb\u00ed vyd\u011bl\u00e1vat dostatek pen\u011bz. Proto\u017ee \u2013 jak v\u0161ichni v\u00edme \u2013 jsou to pr\u00e1v\u011b pen\u00edze, co umo\u017e\u0148uje v\u00e9st v dne\u0161n\u00ed dob\u011b dostate\u010dn\u011b kvalitn\u00ed \u017eivot. A kdyby t\u011bchto nebylo, nejenom \u017ee bychom si ne\u017eili na takov\u00e9 \u00farovni, na jak\u00e9 \u017eijeme, ale mnoz\u00ed z n\u00e1s by v\u016fbec nem\u011bli \u0161anci obst\u00e1t. Co\u017e mi potvrd\u00edte, pokud si uv\u011bdom\u00edte, co v\u0161echno si my lid\u00e9 za pen\u00edze po\u0159izujeme a jak bychom \u017eili, kdybychom si to, co si nelze obstarat osobn\u011b, nemohli koupit od ostatn\u00edch. Pen\u00edze jsou prost\u011b dar. A sou\u010dasn\u011b vlastn\u011b i proklet\u00ed. Proto\u017ee n\u00e1m vcelku v\u011brn\u011b slou\u017e\u00ed, ov\u0161em nejednou se n\u00e1m jich nedost\u00e1v\u00e1 tolik, kolik by bylo \u017e\u00e1douc\u00ed. A co si po\u010d\u00ednaj\u00ed ti, jim\u017e nen\u00ed p\u0159\u00e1no, ti, kdo maj\u00ed p\u0159\u00edjmy ni\u017e\u0161\u00ed ne\u017e nezbytn\u00e9 v\u00fddaje? Ti si pochopiteln\u011b ve zl\u00fdch \u010dasech pen\u00edze p\u016fj\u010duj\u00ed. A n\u00e1sledn\u011b je logicky zase spl\u00e1cej\u00ed.  A jak je zaji\u0161t\u011bno, aby dlu\u017en\u00edci p\u016fj\u010den\u00e9 pen\u00edze vraceli? R\u016fzn\u011b. Banky to nap\u0159\u00edklad \u0159e\u0161\u00ed tak, \u017ee cht\u011bj\u00ed po z\u00e1jemc\u00edch o p\u016fj\u010den\u00ed si dolo\u017een\u00ed v\u0161eho mo\u017en\u00e9ho, dejme tomu vysok\u00fdch p\u0159\u00edjm\u016f, \u010dist\u00fdch registr\u016f dlu\u017en\u00edk\u016f a podobn\u011b. Co\u017e je sice chv\u00e1lyhodn\u00e9, \u017ee se tyto finan\u010dn\u00ed instituce staraj\u00ed o to, aby se pen\u00edze vkladatel\u016f nerozplynuly v nen\u00e1vratnu, aby se tyto i s \u00faroky vracely, jen\u017ee je to sou\u010dasn\u011b nep\u0159\u00edjemn\u00e9 pro \u017eadatele, kte\u0159\u00ed podobn\u00fdmi kvalitami neopl\u00fdvaj\u00ed a jim\u017e je tedy mo\u017enost vz\u00edt si zde p\u016fj\u010dku up\u0159ena. A co si maj\u00ed po\u010d\u00edt ti, kdo by v bank\u00e1ch neobst\u00e1li a pen\u00edze tam nez\u00edskali? Pro ty je tu na\u0161t\u011bst\u00ed nebankovn\u00ed sektor, kter\u00fd neklade na \u017eadatele ani zdaleka tak vysok\u00e9 n\u00e1roky. Jak v\u00e1s p\u0159esv\u011bd\u010d\u00ed t\u0159eba u produktu naz\u00fdvan\u00e9ho americk\u00e1 hypot\u00e9ka kalkula\u010dka nebankovnihypoteky.net, jde o nab\u00eddku finan\u010dn\u011b v\u00fdhodnou, a p\u0159itom se tu na rozd\u00edl od bank nen\u00ed t\u0159eba b\u00e1t ne\u00fasp\u011bchu se \u017e\u00e1dost\u00ed. Proto\u017ee tady nejsou t\u00edm hlavn\u00edm v\u00fd\u0161e popsan\u00e9 kvality \u017eadatele, ale z\u00e1stava nemovitosti. A kdo tuto z\u00e1ruku nab\u00eddnout dok\u00e1\u017ee, prok\u00e1\u017ee ochotu v\u0161e p\u016fj\u010den\u00e9 vr\u00e1tit, a pen\u00edze dostane. A m\u016f\u017ee norm\u00e1ln\u011b \u017e\u00edt.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si p\u016fj\u010dit?","item":"https:\/\/www.simpli.cz\/jak-si-pujcit\/#breadcrumbitem"}]}]