[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cahf.cz\/penize-jsou-potreba\/#Article","mainEntityOfPage":"https:\/\/www.cahf.cz\/penize-jsou-potreba\/","headline":"Pen\u00edze jsou pot\u0159eba","name":"Pen\u00edze jsou pot\u0159eba","description":"A\u0165 u\u017e se pod\u00edv\u00e1me ve sv\u00e9m okol\u00ed kamkoliv, v\u0161ude naraz\u00edme na n\u011bco, co je n\u00e1m sice k dispozici, ov\u0161em bohu\u017eel nikoliv bezplatn\u011b. A proto sice […]","datePublished":"2021-01-17","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.cahf.cz\/author\/#Person","name":"","url":"https:\/\/www.cahf.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/85713fd7b0f087b3a981c5a981571339?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/85713fd7b0f087b3a981c5a981571339?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cahf.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cahf.cz\/wp-content\/uploads\/art395799_4x3_20260819_155701_LHpXk4.jpg","url":"https:\/\/www.cahf.cz\/wp-content\/uploads\/art395799_4x3_20260819_155701_LHpXk4.jpg","height":0,"width":0},"url":"https:\/\/www.cahf.cz\/penize-jsou-potreba\/","about":["Ekonomika"],"wordCount":454,"articleBody":"           A\u0165 u\u017e se pod\u00edv\u00e1me ve sv\u00e9m okol\u00ed kamkoliv, v\u0161ude naraz\u00edme na n\u011bco, co je n\u00e1m sice k dispozici, ov\u0161em bohu\u017eel nikoliv bezplatn\u011b. A proto sice m\u016f\u017eeme hrav\u011b uspokojit v\u0161echny pot\u0159eby, kter\u00e9 m\u00e1me, jen\u017ee za to mus\u00edme zaplatit. A mus\u00edme m\u00edt tedy \u010d\u00edm. Jen\u017ee co kdy\u017e navzdory t\u00e9to pot\u0159eb\u011b nem\u00e1me \u010d\u00edm sv\u00e9 pot\u0159eby financovat? Co kdy\u017e se n\u00e1m nedost\u00e1v\u00e1 pen\u011bz tu na to, tu na ono a tu t\u0159eba tak\u00e9 v\u016fbec na nic? Odpov\u011b\u010f je tu jednozna\u010dn\u00e1. Mus\u00edme si zkr\u00e1tka pot\u0159ebn\u00e9 pen\u00edze sehnat. A to t\u0159eba i za cenu toho, \u017ee si je aspo\u0148 p\u016fj\u010d\u00edme. Ur\u010dit\u011b se mnou budete souhlasit ve dvou v\u011bcech: \u017de p\u016fj\u010dky nejsou ide\u00e1ln\u00edm \u0159e\u0161en\u00edm, proto\u017ee si jimi \u010dlov\u011bk p\u0159ijde k pot\u0159ebn\u00fdm financ\u00edm pouze do\u010dasn\u011b.  Ale \u017ee ani takov\u00e9 p\u016fj\u010dky nejsou \u0161patn\u00fdm \u0159e\u0161en\u00edm v p\u0159\u00edpad\u011b n\u011bkoho, kdo mus\u00ed za n\u011bco zaplatit st\u016fj co st\u016fj, bez ohledu na to, kde pot\u0159ebn\u00e9 finan\u010dn\u00ed prost\u0159edky vezme.  A tak jsou p\u016fj\u010dky navzdory sv\u00fdm m\u00ednus\u016fm n\u011b\u010d\u00edm, co je nesporn\u011b pot\u0159ebn\u00e9. Jsou t\u00edm, co nejednou z\u016fst\u00e1v\u00e1 \u010dlov\u011bku jako to posledn\u00ed mo\u017en\u00e9 \u0159e\u0161en\u00ed. A pokud je n\u011bkomu takov\u00e9mu i tato posledn\u00ed mo\u017enost \u0159e\u0161en\u00ed finan\u010dn\u00edch probl\u00e9m\u016f up\u00edr\u00e1na s t\u00edm, \u017ee na n\u011bjakou tu p\u016fj\u010dku nen\u00ed dostate\u010dn\u011b bonitn\u00ed, tedy \u017ee m\u00e1 p\u0159\u00edli\u0161 n\u00edzk\u00e9 p\u0159\u00edjmy, ne\u017e\u00e1douc\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, exekuce a podobn\u011b, je vlastn\u011b \u0161t\u011bst\u00edm, \u017ee existuje i hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu, kter\u00e1 se poskytuje i pr\u00e1v\u011b takov\u00fdm lidem. Nebankovn\u00ed hypot\u00e9ku lze z\u00edskat daleko sn\u00e1ze ne\u017e jin\u00e9 p\u016fj\u010dky, a to v\u017edy, kdy\u017e se za ni m\u016f\u017ee \u017eadatel zaru\u010dit z\u00e1stavou nemovitosti a je schopen ze sv\u00fdch p\u0159\u00edjm\u016f spl\u00e1cet. D\u00edky zm\u00edn\u011bn\u00e9 z\u00e1stav\u011b je prakticky zaru\u010deno, \u017ee si poskytovatel t\u00e9to p\u016fj\u010dky p\u0159ijde na sv\u00e9, \u017ee dostane sv\u00e9 p\u016fj\u010den\u00e9 pen\u00edze ka\u017edop\u00e1dn\u011b zp\u011bt. Bu\u010f v podob\u011b spl\u00e1tek, nebo t\u00edm, \u017ee uspokoj\u00ed sv\u00e9 n\u00e1roky zm\u00edn\u011bnou nemovitost\u00ed, o ni\u017e ten, kdo se j\u00ed zaru\u010duje za vr\u00e1cen\u00ed p\u016fj\u010dky, pochopiteln\u011b nehodl\u00e1 p\u0159ij\u00edt. A tak si sta\u010d\u00ed za\u017e\u00e1dat, zastavit nemovitost a je po finan\u010dn\u00edch probl\u00e9mech.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze jsou pot\u0159eba","item":"https:\/\/www.cahf.cz\/penize-jsou-potreba\/#breadcrumbitem"}]}]