[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.iptw.cz\/kdo-jim-pujci\/#Article","mainEntityOfPage":"https:\/\/www.iptw.cz\/kdo-jim-pujci\/","headline":"Kdo jim p\u016fj\u010d\u00ed?","name":"Kdo jim p\u016fj\u010d\u00ed?","description":"Jsou lid\u00e9, kte\u0159\u00ed u\u017e jsou v natolik zoufal\u00e9 finan\u010dn\u00ed situaci, \u017ee jim nic jin\u00e9ho, ne\u017e \u017e\u00e1dat o p\u016fj\u010dku nezb\u00fdv\u00e1. Ov\u0161em pot\u00ed\u017e je v tom, \u017ee pr\u00e1v\u011b t\u011bm nejzoufalej\u0161\u00edm (ov\u0161em pochopiteln\u011b nejen t\u011bm nejzoufalej\u0161\u00edm) \u017e\u00e1dn\u00e1 banka nep\u016fj\u010d\u00ed ani korunu. To v\u00edte \u2013 tihle lid\u00e9 maj\u00ed p\u0159ece n\u00edzk\u00e9 p\u0159\u00edjmy a nejednou i dluhy, s nimi\u017e se ob\u010das […]","datePublished":"2019-09-17","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.iptw.cz\/author\/#Person","name":"iptw.cz\n","url":"https:\/\/www.iptw.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"iptw.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.iptw.cz\/wp-content\/uploads\/img_a343673_w2600_t1556623874.jpg","url":"https:\/\/www.iptw.cz\/wp-content\/uploads\/img_a343673_w2600_t1556623874.jpg","height":0,"width":0},"url":"https:\/\/www.iptw.cz\/kdo-jim-pujci\/","about":["Finance"],"wordCount":498,"articleBody":"       Jsou lid\u00e9, kte\u0159\u00ed u\u017e jsou v natolik zoufal\u00e9 finan\u010dn\u00ed situaci, \u017ee jim nic jin\u00e9ho, ne\u017e \u017e\u00e1dat o p\u016fj\u010dku nezb\u00fdv\u00e1. Ov\u0161em pot\u00ed\u017e je v tom, \u017ee pr\u00e1v\u011b t\u011bm nejzoufalej\u0161\u00edm (ov\u0161em pochopiteln\u011b nejen t\u011bm nejzoufalej\u0161\u00edm) \u017e\u00e1dn\u00e1 banka nep\u016fj\u010d\u00ed ani korunu. To v\u00edte \u2013 tihle lid\u00e9 maj\u00ed p\u0159ece n\u00edzk\u00e9 p\u0159\u00edjmy a nejednou i dluhy, s nimi\u017e se ob\u010das dostali i do registru dlu\u017en\u00edk\u016f, a p\u016fj\u010den\u00ed takov\u00fdm p\u0159edstavuje podle bank zna\u010dn\u00e9 riziko, \u017ee u\u017e se s p\u016fj\u010den\u00fdmi pen\u011bzi nikdy neshledaj\u00ed. Tak\u017ee co si maj\u00ed oni lid\u00e9 v nez\u00e1vid\u011bn\u00edhodn\u00e9 situaci po\u010d\u00edt? Kdy\u017e sami se sv\u00fdmi pen\u011bzi nevyjdou a v bank\u00e1ch pochopen\u00ed nenaleznou? Ti vlastn\u011b po\u0159\u00e1d je\u0161t\u011b nemus\u00ed zoufat. Na v\u00fdb\u011br pochopiteln\u011b zrovna nemaj\u00ed, ale \u0159e\u0161en\u00ed tu st\u00e1le je\u0161t\u011b je. Jmenuje se nebankovn\u00ed hypot\u00e9ky a je ur\u010deno mimo kohokoliv jin\u00e9ho i pro ty, kdo maj\u00ed hluboko do kapsy a kdo nep\u016fsob\u00ed pr\u00e1v\u011b nejd\u016fv\u011bryhodn\u011bj\u0161\u00edm dojmem. O takovouto finan\u010dn\u00ed v\u00fdpomoc v nouzi si m\u016f\u017ee za\u017e\u00e1dat ka\u017ed\u00fd. I ten, kdo m\u00e1 nevelk\u00e9 p\u0159\u00edjmy a hluboko do kapsy, i ten, kdo m\u00e1 t\u0159eba n\u011bjak\u00fd ten z\u00e1znam v registru dlu\u017en\u00edk\u016f nebo exekuci na krku. To samoz\u0159ejm\u011b ale za spln\u011bn\u00ed alespo\u0148 toho minima, je\u017e se tu po\u017eaduje. A t\u00edm jsou: dovr\u0161en\u00ed alespo\u0148 osmn\u00e1cti let v\u011bku  vlastnictv\u00ed nemovitosti, ji\u017e by bylo mo\u017eno d\u00e1t do z\u00e1stavy  zn\u00e1most s n\u011bk\u00fdm, kdo je ochoten se za \u017eadatele zaru\u010dit nemovitost\u00ed svou, nem\u016f\u017ee-li tak onen \u017eadatel o p\u016fj\u010dku u\u010dinit s\u00e1m  schopnost p\u016fj\u010den\u00e9 pen\u00edze \u0159\u00e1dn\u011b spl\u00e1cet   Jsou-li alespo\u0148 tyto p\u0159edpoklady spln\u011bny, m\u016f\u017ee si doty\u010dn\u00fd o p\u016fj\u010den\u00ed pen\u011bz po\u017e\u00e1dat. A nejen po\u017e\u00e1dat \u2013 tak\u00e9 je s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed dostane. A to za podm\u00ednek, je\u017e jsou dohodnuty pr\u00e1v\u011b na m\u00edru pro n\u011bj, tak, aby nep\u0159ivedly dlu\u017en\u00edka do dal\u0161\u00edch nesn\u00e1z\u00ed. Takovou p\u016fj\u010dku lze domluvit t\u0159eba i s t\u0159icetiletou splatnost\u00ed a n\u00edzk\u00fdmi spl\u00e1tkami stejn\u011b jako \u00faroky, co\u017e ale na druhou stranu rozhodn\u011b neznamen\u00e1, \u017ee by ji doty\u010dn\u00fd pozd\u011bji nemohl celou splatit i p\u0159ed\u010dasn\u011b a bez jak\u00fdchkoliv sankc\u00ed. A kdy\u017e pak doty\u010dn\u00fd ony pen\u00edze m\u00e1, m\u016f\u017ee je vynalo\u017eit na cokoliv, klidn\u011b i na umo\u0159ov\u00e1n\u00ed star\u00fdch dluh\u016f, vyvl\u00e9k\u00e1n\u00ed se z exeku\u010dn\u00ed opr\u00e1tky a podobn\u011b. Proto\u017ee do toho, na co budou ony pen\u00edze pou\u017eity, u\u017e se v\u011b\u0159itel\u00e9 nem\u00edchaj\u00ed. Jim sta\u010d\u00ed, kdy\u017e se jim v\u0161e zase v dohodnut\u00e9m term\u00ednu vr\u00e1t\u00ed. Tak, jak tomu m\u00e1 b\u00fdt.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdo jim p\u016fj\u010d\u00ed?","item":"https:\/\/www.iptw.cz\/kdo-jim-pujci\/#breadcrumbitem"}]}]