[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ceros.cz\/ktera-pujcka-nezklame\/#Article","mainEntityOfPage":"https:\/\/www.ceros.cz\/ktera-pujcka-nezklame\/","headline":"Kter\u00e1 p\u016fj\u010dka nezklame?","name":"Kter\u00e1 p\u016fj\u010dka nezklame?","description":"Kdyby si lid\u00e9 v\u017edycky dok\u00e1zali poradit se sv\u00fdmi v\u00fddaji, nebyly by u n\u00e1s p\u016fj\u010dky v\u016fbec zapot\u0159eb\u00ed. Ale jak v\u0161ichni d\u00e1vno dob\u0159e v\u00edme, my lid\u00e9 na tom nejsme s finan\u010dn\u00ed gramotnost\u00ed pr\u00e1v\u011b nejl\u00e9pe, a tud\u00ed\u017e se \u010dasto pot\u00fdk\u00e1me s finan\u010dn\u00edmi t\u011b\u017ekostmi. N\u011bco si sice vyd\u011bl\u00e1me nebo n\u011bjak\u00fdm jin\u00fdm zp\u016fsobem p\u0159ich\u00e1z\u00edme k pen\u011bz\u016fm, ale nejednou nedost\u00e1v\u00e1me tolik, […]","datePublished":"2024-03-16","dateModified":"2024-04-16","author":{"@type":"Person","@id":"https:\/\/www.ceros.cz\/author\/#Person","name":"","url":"https:\/\/www.ceros.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ceros.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ceros.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_1.jpg","url":"https:\/\/www.ceros.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_1.jpg","height":0,"width":0},"url":"https:\/\/www.ceros.cz\/ktera-pujcka-nezklame\/","about":["Pen\u00edze"],"wordCount":438,"articleBody":"   Kdyby si lid\u00e9 v\u017edycky dok\u00e1zali poradit se sv\u00fdmi v\u00fddaji, nebyly by u n\u00e1s p\u016fj\u010dky v\u016fbec zapot\u0159eb\u00ed. Ale jak v\u0161ichni d\u00e1vno dob\u0159e v\u00edme, my lid\u00e9 na tom nejsme s finan\u010dn\u00ed gramotnost\u00ed pr\u00e1v\u011b nejl\u00e9pe, a tud\u00ed\u017e se \u010dasto pot\u00fdk\u00e1me s finan\u010dn\u00edmi t\u011b\u017ekostmi. N\u011bco si sice vyd\u011bl\u00e1me nebo n\u011bjak\u00fdm jin\u00fdm zp\u016fsobem p\u0159ich\u00e1z\u00edme k pen\u011bz\u016fm, ale nejednou nedost\u00e1v\u00e1me tolik, abychom takov\u00fdmi pen\u011bzi zaplatili v\u0161echno, co se mus\u00ed zaplatit. A tak se nakonec dost\u00e1v\u00e1me a\u017e do situac\u00ed, kdy si m\u016f\u017eeme vybrat u\u017e jenom mezi chudobou a p\u016fj\u010dkou. A je jasn\u00e9, pro co z toho se my lid\u00e9 rozhodneme rad\u011bji. Pochopiteln\u011b rad\u011bji \u017eijeme a plat\u00edme p\u016fj\u010den\u00fdmi pen\u011bzi, ne\u017e abychom se tr\u00e1pili nedostatkem a neplatili, co\u017e by mohlo nav\u00edc znamenat i pozd\u011bj\u0161\u00ed komplikace, a\u017e by po n\u00e1s za\u010daly b\u00fdt nezaplacen\u00e9 v\u00fddaje vym\u00e1h\u00e1ny.Ale vz\u00edt si p\u016fj\u010dku nen\u00ed \u010dasto pr\u00e1v\u011b jednoduch\u00e9. Po\u017e\u00e1dat o ni sice m\u016f\u017eeme, proto\u017ee je poskytovatel\u016f p\u016fj\u010dek v\u0161ude kolem n\u00e1s dost, ale to neznamen\u00e1, \u017ee tak\u00e9 usp\u011bjeme. Kdy\u017e si chce n\u011bkdo pen\u00edze p\u016fj\u010dit, ale nesk\u00fdt\u00e1 dostate\u010dn\u00e9 z\u00e1ruky, \u017ee je tak\u00e9 vr\u00e1t\u00ed, m\u00edv\u00e1 obvykle sm\u016flu. Nebo si mus\u00ed vz\u00edt rizikovou kr\u00e1tkodobou p\u016fj\u010dku, kv\u016fli kter\u00e9 pak m\u00e1 n\u011bkdy je\u0161t\u011b v\u011bt\u0161\u00ed sm\u016flu, kdy\u017e ji nezvl\u00e1dne. A tak si lid\u00e9 \u010dasto mus\u00ed hodn\u011b l\u00e1mat hlavu, ne\u017e p\u0159ijdou na to, kde a o jakou pomoc se jim vyplat\u00ed po\u017e\u00e1dat.A kter\u00e1 p\u016fj\u010dka je dost v\u00fdhodn\u00e1 i dostupn\u00e1 v\u0161em, v\u010detn\u011b lid\u00ed s velk\u00fdmi probl\u00e9my? P\u0159ece americk\u00e1 hypot\u00e9ka bez registru, u kter\u00e9 ka\u017ed\u00fd u\u017e od prvn\u00edch okam\u017eik\u016f v\u00ed, zda ji dostane a za jak\u00fdch podm\u00ednek. Nebankovn\u00ed hypot\u00e9ku toti\u017e dostane ka\u017ed\u00fd, kdo za ni m\u016f\u017ee d\u00e1t nemovitou z\u00e1ruku spl\u00e1cen\u00ed. Kdo se nemovitost\u00ed zaru\u010d\u00ed za to, \u017ee zde vyp\u016fj\u010den\u00e9 pen\u00edze se v\u0161\u00edm v\u0161udy \u0159\u00e1dn\u011b splat\u00ed, m\u016f\u017ee m\u00edt klidn\u011b i t\u011b\u017eko p\u0159edstaviteln\u00e9 velk\u00e9 pen\u00edze. Se kter\u00fdmi se daj\u00ed d\u011blat velk\u00e9 v\u011bci. A lze se jimi spasit p\u0159ed finan\u010dn\u00ed nouz\u00ed, kterou bychom jinak v t\u011b\u017ek\u00fdch dob\u00e1ch jenom t\u011b\u017ece nesli.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kter\u00e1 p\u016fj\u010dka nezklame?","item":"https:\/\/www.ceros.cz\/ktera-pujcka-nezklame\/#breadcrumbitem"}]}]