[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dvkk.cz\/existuji-i-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.dvkk.cz\/existuji-i-pujcky\/","headline":"Existuj\u00ed i p\u016fj\u010dky","name":"Existuj\u00ed i p\u016fj\u010dky","description":"Kdy\u017e \u010dlov\u011bku chyb\u00ed pen\u00edze, je to nep\u0159\u00edjemn\u00e9. A to z\u0159ejm\u011b v\u017edycky. Aspo\u0148 j\u00e1 tedy nezn\u00e1m nikoho, kdo by m\u011bl n\u011bkdy pen\u011bz m\u00e1lo a pochvaloval si to. Opak je pravdou \u2013 lid\u00e9, kte\u0159\u00ed dost pen\u011bz nemaj\u00ed, si sp\u00ed\u0161e zoufaj\u00ed. Nebo je takov\u00fd nedostatek p\u0159inejmen\u0161\u00edm net\u011b\u0161\u00ed. Proto\u017ee kdo nem\u00e1 pen\u00edze, ten nikde nenakoup\u00ed. Kdo je bez pen\u011bz, […]","datePublished":"2025-05-04","dateModified":"2025-05-04","author":{"@type":"Person","@id":"https:\/\/www.dvkk.cz\/author\/#Person","name":"","url":"https:\/\/www.dvkk.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dvkk.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dvkk.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_4.jpg","url":"https:\/\/www.dvkk.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_4.jpg","height":0,"width":0},"url":"https:\/\/www.dvkk.cz\/existuji-i-pujcky\/","about":["Ekonomika"],"wordCount":422,"articleBody":"       Kdy\u017e \u010dlov\u011bku chyb\u00ed pen\u00edze, je to nep\u0159\u00edjemn\u00e9. A to z\u0159ejm\u011b v\u017edycky. Aspo\u0148 j\u00e1 tedy nezn\u00e1m nikoho, kdo by m\u011bl n\u011bkdy pen\u011bz m\u00e1lo a pochvaloval si to. Opak je pravdou \u2013 lid\u00e9, kte\u0159\u00ed dost pen\u011bz nemaj\u00ed, si sp\u00ed\u0161e zoufaj\u00ed. Nebo je takov\u00fd nedostatek p\u0159inejmen\u0161\u00edm net\u011b\u0161\u00ed. Proto\u017ee kdo nem\u00e1 pen\u00edze, ten nikde nenakoup\u00ed. Kdo je bez pen\u011bz, ten nem\u016f\u017ee nikomu zaplatit za poskytnut\u00ed n\u011bjak\u00fdch t\u011bch slu\u017eeb. Kdo nem\u00e1 pen\u00edze, nem\u00e1 prost\u011b skoro nic. Jestli n\u011bco z\u00edsk\u00e1 zadarmo, pak obvykle nanejv\u00fd\u0161 to, co u\u017e nikdo jin\u00fd nechce a co by jinak skon\u010dilo z\u0159ejm\u011b vyhozen\u00e9.A tak my lid\u00e9 v\u017edy usilujeme o to, abychom m\u011bli pen\u011bz dost. Tak akor\u00e1t nebo rad\u011bji v\u00edc ne\u017e dost. Proto\u017ee nadbytek pen\u011bz n\u00e1m na rozd\u00edl od jejich nedostatku nevad\u00ed. Kdy\u017e m\u00e1me pen\u011bz spoustu, nech\u00e1me si je a jednou najdeme mo\u017enost, za co by se utratily. Ale sp\u00ed\u0161e jich m\u00e1me m\u00e1lo. A to je potom jin\u00e1. S nedostatkem pen\u011bz se mus\u00edme n\u011bjak vypo\u0159\u00e1dat.Jen\u017ee jak? Kde vz\u00edt pen\u00edze, kter\u00e9 nem\u00e1me? Jak si zajistit na\u0161i solventnost, kdy\u017e jde o pen\u00edze n\u00e1m v\u0161em, a tud\u00ed\u017e n\u00e1m je nikdo jen tak nedaruje a \u010dasto dokonce ani nep\u016fj\u010d\u00ed? To je ot\u00e1zka. A je to ot\u00e1zka, na kterou na\u0161t\u011bst\u00ed existuje v mnoha p\u0159\u00edpadech odpov\u011b\u010f. A tou je nebankovn\u00ed hypot\u00e9ka.Pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ka, a ne n\u011bjak\u00e1 jin\u00e1 p\u016fj\u010dka? Je to vlastn\u011b prost\u00e9. Aby \u010dlov\u011bk dostal pot\u0159ebn\u00e9 pen\u00edze v podob\u011b nebankovn\u00ed hypot\u00e9ky, pot\u0159ebuje m\u00edt jenom nemovitost, kterou by ru\u010dil, a m\u011bl by b\u00fdt schopen hradit dohodnut\u00e9 spl\u00e1tky, aby o zastavenou nemovitost nep\u0159i\u0161el, aby tato neposlou\u017eila jako n\u00e1hrada jeho dluhu. Ale t\u00edm ve\u0161ker\u00e9 povinnosti kon\u010d\u00ed. Co\u017e je daleko jednodu\u0161\u0161\u00ed ne\u017e \u017e\u00e1dat o bankovn\u00ed p\u016fj\u010dku, u kter\u00e9 se to neobejde bez n\u00e1ro\u010dn\u00e9ho prokazov\u00e1n\u00ed p\u0159\u00edjm\u016f a \u010dist\u00fdch registr\u016f dlu\u017en\u00edk\u016f.Kdy\u017e se tedy n\u011bkdo rozhodne \u0159e\u0161it sv\u00e9 do\u010dasn\u00e9 finan\u010dn\u00ed pot\u00ed\u017ee s pomoc\u00ed hypot\u00e9ky bez registru, mus\u00ed vlastnit nemovitost a ru\u010dit j\u00ed, ale jinak m\u016f\u017ee b\u00fdt v klidu. Proto\u017ee pen\u00edze bude jist\u011b k dispozici m\u00edt.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Existuj\u00ed i p\u016fj\u010dky","item":"https:\/\/www.dvkk.cz\/existuji-i-pujcky\/#breadcrumbitem"}]}]