[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.trekview.cz\/nad-pujckami-premyslejte\/#Article","mainEntityOfPage":"https:\/\/www.trekview.cz\/nad-pujckami-premyslejte\/","headline":"Nad p\u016fj\u010dkami p\u0159em\u00fd\u0161lejte","name":"Nad p\u016fj\u010dkami p\u0159em\u00fd\u0161lejte","description":"Vz\u00edt si v dne\u0161n\u00ed dob\u011b p\u016fj\u010dku nemus\u00ed b\u00fdt nic zase a\u017e tak slo\u017eit\u00e9ho. Zejm\u00e9na pokud m\u011bl \u010dlov\u011bk v minulosti v\u017edy dobrou platebn\u00ed mor\u00e1lku, vyd\u011bl\u00e1v\u00e1 pom\u011brn\u011b slu\u0161n\u00e9 pen\u00edze v perspektivn\u00edm zam\u011bstn\u00e1n\u00ed […]","datePublished":"2019-02-27","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.trekview.cz\/author\/#Person","name":"","url":"https:\/\/www.trekview.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"trekview.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.trekview.cz\/wp-content\/uploads\/img_a335846_w2719_t1549123253.jpg","url":"https:\/\/www.trekview.cz\/wp-content\/uploads\/img_a335846_w2719_t1549123253.jpg","height":0,"width":0},"url":"https:\/\/www.trekview.cz\/nad-pujckami-premyslejte\/","wordCount":527,"articleBody":"Vz\u00edt si v dne\u0161n\u00ed dob\u011b p\u016fj\u010dku nemus\u00ed b\u00fdt nic zase a\u017e tak slo\u017eit\u00e9ho. Zejm\u00e9na pokud m\u011bl \u010dlov\u011bk v minulosti v\u017edy dobrou platebn\u00ed mor\u00e1lku, vyd\u011bl\u00e1v\u00e1 pom\u011brn\u011b slu\u0161n\u00e9 pen\u00edze v perspektivn\u00edm zam\u011bstn\u00e1n\u00ed a hodl\u00e1 p\u016fj\u010den\u00e9 pen\u00edze vyu\u017e\u00edt na n\u011bjakou rozumnou v\u011bc.  Ov\u0161em ne ka\u017ed\u00fd m\u00e1 to \u0161t\u011bst\u00ed, \u017ee je pr\u00e1v\u011b takov\u00fd. N\u011bkdo zkr\u00e1tka o dob\u0159e placen\u00e9 m\u00edsto nezavadil a musel tak vz\u00edt zavd\u011bk n\u011b\u010d\u00edm dost mizern\u011b finan\u010dn\u011b ohodnocen\u00fdm, n\u011bkdo si u\u017e v minulosti p\u016fj\u010dky bral a ne v\u017edy sv\u011bdomit\u011b spl\u00e1cel nebo chce ty nyn\u011bj\u0161\u00ed pen\u00edze vyu\u017e\u00edt zp\u016fsobem, jen\u017e se v\u0161eobecn\u011b za zrovna rozumn\u00fd nepova\u017euje. A takov\u00fd m\u016f\u017ee se svou \u017e\u00e1dost\u00ed o p\u016fj\u010dku nejednou narazit. Ten posledn\u011b zm\u00edn\u011bn\u00fd pak vlastn\u011b ztr\u00e1c\u00ed motivaci ke sh\u00e1n\u011bn\u00ed p\u016fj\u010dky, kdy\u017e si toto uv\u011bdom\u00ed. Rezignuje hned na po\u010d\u00e1tku, a to i tehdy, kdy by pro n\u011bho byla takov\u00e1 p\u016fj\u010dka v\u00edce ne\u017e smyslupln\u00e1, kdyby jemu a nejen jemu p\u0159inesla jen sam\u00e1 pozitiva. Zejm\u00e9na kdy\u017e k tomu je\u0161t\u011b ze v\u0161ech stran sly\u0161\u00ed \u0159e\u010di o tom, jak mohou b\u00fdt p\u016fj\u010dky riskantn\u00ed, jak se kv\u016fli nim dostane \u010dlov\u011bk snadno do probl\u00e9m\u016f a t\u0159eba a\u017e do st\u00e1dia tot\u00e1ln\u00edho bankrotu. Co\u017e se pochopiteln\u011b tak\u00e9 m\u016f\u017ee st\u00e1t, zpravidla ale jenom p\u0159i\u010din\u011bn\u00edm samotn\u00e9ho nezodpov\u011bdn\u00e9ho dlu\u017en\u00edka. Ona se toti\u017e  neprojev\u00ed sama od sebe, o tom, jak\u00e9 p\u0159inese v\u00fdsledky, rozhoduje v\u017edy jenom lidsk\u00fd faktor. Tedy \u010dlov\u011bk. Ten, kter\u00fd by si m\u011bl s\u00e1m dob\u0159e spo\u010d\u00edtat, kolik si m\u016f\u017ee p\u016fj\u010dit, jak\u00e9 za to bude platit \u00faroky, kolik splat\u00ed celkem, jak dlouho bude spl\u00e1cet po jak velk\u00fdch \u010d\u00e1stk\u00e1ch. A m\u011bl by realisticky pohl\u00ed\u017eet na sv\u00e9 schopnosti, nep\u0159ece\u0148ovat sv\u00e9 mo\u017enosti. Pokud tak u\u010din\u00ed, nem\u00e1 se \u010deho b\u00e1t.  A kdy\u017e tak takov\u00fd mo\u017en\u00e1 i ne pr\u00e1v\u011b ide\u00e1ln\u00ed \u017eadatel p\u0159epo\u010d\u00edt\u00e1v\u00e1, t\u0159eba i za pomoci n\u011bjak\u00e9 t\u00e9 hypot\u00e9\u010dn\u00ed kalkula\u010dky, nejednou t\u0159eba zjist\u00ed, \u017ee je pro n\u011bj t\u00edm nejlep\u0161\u00edm \u0159e\u0161en\u00edm nebankovn\u00ed hypot\u00e9ka bez registru. I kdy\u017e u t\u00e9to \u010din\u00ed \u00faroky t\u0159eba sedm procent, m\u016f\u017ee se to leckomu vyplatit. Proto\u017ee se d\u00edky n\u00ed daj\u00ed splatit v\u0161echny star\u00e9 dluhy a za\u010d\u00edt se spl\u00e1cen\u00edm po men\u0161\u00edch a rozumn\u00fdch \u010d\u00e1stk\u00e1ch.  V t\u00e9to hypot\u00e9ce je vlastn\u011b jeden takov\u00fd h\u00e1\u010dek, jen\u017e ale nikdo nikdy p\u0159ed \u017eadateli neskr\u00fdval. A sice, \u017ee je t\u0159eba se za tuto nebankovn\u00ed hypot\u00e9ku zaru\u010dit vhodnou nemovitost\u00ed. O kterou m\u016f\u017ee \u010dlov\u011bk v p\u0159\u00edpad\u011b \u0161patn\u00e9 platebn\u00ed mor\u00e1lky logicky i p\u0159ij\u00edt. Za co\u017e ale p\u016fj\u010dka nem\u016f\u017ee.                                                                                                                                                                                                                                                                                                                                                                                         3.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nad p\u016fj\u010dkami p\u0159em\u00fd\u0161lejte","item":"https:\/\/www.trekview.cz\/nad-pujckami-premyslejte\/#breadcrumbitem"}]}]