[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kushitani.cz\/lze-si-aspon-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.kushitani.cz\/lze-si-aspon-pujcit\/","headline":"Lze si aspo\u0148 p\u016fj\u010dit","name":"Lze si aspo\u0148 p\u016fj\u010dit","description":"Mnoha lidem aspo\u0148 n\u011bkdy v \u017eivot\u011b pr\u00e1v\u011b nep\u0159eje \u0161t\u011bst\u00ed. Mnoz\u00ed z n\u00e1s se tak ocitaj\u00ed t\u0159eba i v hodn\u011b prek\u00e9rn\u00edch situac\u00edch, kter\u00e9 p\u0159in\u00e1\u0161ej\u00ed jenom starosti. A mezi takov\u00e9 nez\u00e1vid\u011bn\u00edhodn\u00e9 situace pat\u0159\u00ed i probl\u00e9my s finan\u010dn\u00edmi prost\u0159edky. N\u011bkdy my lid\u00e9 zkr\u00e1tka pot\u0159ebujeme m\u00edt na n\u011bco pen\u00edze, jen\u017ee je zkr\u00e1tka nese\u017eeneme a nem\u00e1me. A pak se samoz\u0159ejm\u011b […]","datePublished":"2022-01-14","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.kushitani.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.kushitani.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kushitani.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kushitani.cz\/wp-content\/uploads\/%C3%BAenny%20mince.jpg","url":"https:\/\/www.kushitani.cz\/wp-content\/uploads\/%C3%BAenny%20mince.jpg","height":0,"width":0},"url":"https:\/\/www.kushitani.cz\/lze-si-aspon-pujcit\/","about":["Finance"],"wordCount":435,"articleBody":"   Mnoha lidem aspo\u0148 n\u011bkdy v \u017eivot\u011b pr\u00e1v\u011b nep\u0159eje \u0161t\u011bst\u00ed. Mnoz\u00ed z n\u00e1s se tak ocitaj\u00ed t\u0159eba i v hodn\u011b prek\u00e9rn\u00edch situac\u00edch, kter\u00e9 p\u0159in\u00e1\u0161ej\u00ed jenom starosti. A mezi takov\u00e9 nez\u00e1vid\u011bn\u00edhodn\u00e9 situace pat\u0159\u00ed i probl\u00e9my s finan\u010dn\u00edmi prost\u0159edky. N\u011bkdy my lid\u00e9 zkr\u00e1tka pot\u0159ebujeme m\u00edt na n\u011bco pen\u00edze, jen\u017ee je zkr\u00e1tka nese\u017eeneme a nem\u00e1me. A pak se samoz\u0159ejm\u011b ned\u00e1 platit, kdy\u017e nen\u00ed \u010d\u00edm.Ale takov\u00e1 nouze nen\u00ed stav, kter\u00fd by si mohl n\u011bkdo z lid\u00ed obl\u00edbit. Mnoz\u00ed z n\u00e1s se sice dost\u00e1vaj\u00ed do finan\u010dn\u00edch pot\u00ed\u017e\u00ed i opakovan\u011b, ale ned\u011bje se tak z jejich vlastn\u00ed v\u016fle, a kdyby to \u0161lo, ur\u010dit\u011b by se n\u011b\u010demu podobn\u00e9mu rad\u011bji vyhnuli velk\u00fdm obloukem.Ale ne v\u017edycky se prost\u011b poda\u0159\u00ed pot\u00ed\u017e\u00edm s pen\u011bzi vyhnout. A kdy\u017e u\u017e nen\u00ed, kde je vz\u00edt, je \u010dasto mo\u017en\u00e9 u\u017e jenom jedno \u2013 lze si je od n\u011bkoho p\u016fj\u010dit. A t\u00edm n\u011bk\u00fdm mysl\u00edm samoz\u0159ejm\u011b finan\u010dn\u00ed \u00fastavy, kter\u00e9 jsou tu p\u0159ece od toho. To jejich posl\u00e1n\u00edm je p\u0159ij\u00edmat od movit\u011bj\u0161\u00edch lid\u00ed vklady a z t\u011bchto poskytovat p\u016fj\u010dky t\u011bm, kdo je pot\u0159ebuj\u00ed.Jen\u017ee ony t\u0159eba banky nejednou leckomu p\u016fj\u010dit odm\u00edtnou. Odk\u00e1\u017eou se na to, \u017ee nem\u00e1 onen konkr\u00e9tn\u00ed \u017eadatel dost vysok\u00e9 p\u0159\u00edjmy, \u017ee m\u00e1 nep\u0159\u00edjemn\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f a podobn\u011b, a pak u\u017e je po nad\u011bj\u00edch.Tedy v bance je po nad\u011bj\u00edch. Ale na\u0161t\u011bst\u00ed pak existuj\u00ed je\u0161t\u011b nebankovn\u00ed hypot\u00e9ky, a ty mohou p\u0159edstavovat \u0159e\u0161en\u00ed probl\u00e9m\u016f i t\u011bch ze \u017eadatel\u016f, kte\u0159\u00ed nejsou dokonal\u00ed. U takov\u00fdch hypot\u00e9k se prost\u011b zaru\u010duje spl\u00e1cen\u00ed d\u00e1n\u00edm nemovitosti do z\u00e1stavy, a s takovou nemovitou z\u00e1rukou tu p\u016fj\u010d\u00ed ka\u017ed\u00e9mu, u koho je v\u011brohodn\u00e9, \u017ee bude schopen podle dohody spl\u00e1cet. Co\u017e znamen\u00e1, \u017ee nikdo v na\u0161ich kon\u010din\u00e1ch nemus\u00ed \u017e\u00edt v chudob\u011b, je-li vlastn\u00edkem nemovit\u00e9ho majetku, a to ani ve chv\u00edl\u00edch, kdy jeho vlastn\u00ed p\u0159\u00edjmy nesta\u010d\u00ed.Co\u017e je, jak se domn\u00edv\u00e1m, pot\u011b\u0161uj\u00edc\u00ed zji\u0161t\u011bn\u00ed. Proto\u017ee by bylo smutn\u00e9, kdyby m\u011bl n\u011bkdo t\u0159eba i n\u011bkolik dom\u016f a sou\u010dasn\u011b musel \u017e\u00edt nejednou doslova o hladu, nemaje u\u017e ani korunu.                                                                                                                                                                                                                                                                                                                                                                                                  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