[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.czeweb.cz\/shanite-penize\/#Article","mainEntityOfPage":"https:\/\/www.czeweb.cz\/shanite-penize\/","headline":"Sh\u00e1n\u00edte pen\u00edze?","name":"Sh\u00e1n\u00edte pen\u00edze?","description":"Existuj\u00ed sice i situace, kdy se my lid\u00e9 obejdeme i bez pen\u011bz, ale nen\u00ed jich zase a\u017e tak mnoho. V\u011bt\u0161inou my lid\u00e9 naopak pen\u00edze pot\u0159ebujeme. A kdy\u017e je pot\u0159ebujeme, mus\u00edme je logicky n\u011bkde sehnat, abychom mohli uspokojit sv\u00e9 pot\u0159eby. Chod\u00edme tedy do pr\u00e1ce, podnik\u00e1me, pob\u00edr\u00e1me r\u016fzn\u00e9 podpory a d\u016fchody, sna\u017e\u00edme <a href=\"https:\/\/www.czeweb.cz\/shanite-penize\/\" class=\"read-more\">Pokra\u010dovat ve \u010dten\u00ed<i class=\"ion-ios-arrow-right read-more-right\"><\/i><\/a>","datePublished":"2021-10-13","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.czeweb.cz\/author\/#Person","name":"czeweb.cz\n","url":"https:\/\/www.czeweb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"czeweb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.czeweb.cz\/wp-content\/uploads\/art413178_4x3_20261004_113843_8qY9OL.jpg","url":"https:\/\/www.czeweb.cz\/wp-content\/uploads\/art413178_4x3_20261004_113843_8qY9OL.jpg","height":0,"width":0},"url":"https:\/\/www.czeweb.cz\/shanite-penize\/","about":["Finance"],"wordCount":423,"articleBody":"       Existuj\u00ed sice i situace, kdy se my lid\u00e9 obejdeme i bez pen\u011bz, ale nen\u00ed jich zase a\u017e tak mnoho. V\u011bt\u0161inou my lid\u00e9 naopak pen\u00edze pot\u0159ebujeme. A kdy\u017e je pot\u0159ebujeme, mus\u00edme je logicky n\u011bkde sehnat, abychom mohli uspokojit sv\u00e9 pot\u0159eby. Chod\u00edme tedy do pr\u00e1ce, podnik\u00e1me, pob\u00edr\u00e1me r\u016fzn\u00e9 podpory a d\u016fchody, sna\u017e\u00edme se n\u011bkde vyhr\u00e1t jackpot a t\u0159eba i krademe, jenom abychom byli finan\u010dn\u011b dostate\u010dn\u011b zaji\u0161t\u011bn\u00ed. Ov\u0161em ani vynalo\u017een\u00ed enormn\u00edho \u00fasil\u00ed ned\u00e1v\u00e1 z\u00e1ruku, \u017ee si vyd\u011bl\u00e1me tolik, kolik pot\u0159ebujeme, \u017ee nebudeme trp\u011bt nouz\u00ed. A pokud si v jednu chv\u00edli vyd\u011bl\u00e1v\u00e1me dost, nen\u00ed v\u016fbec jist\u00e9, \u017ee tomu tak bude nav\u011bky. Co znamen\u00e1 zm\u00edn\u011bn\u00e1 realita v praxi? P\u0159edev\u0161\u00edm to, \u017ee se m\u016f\u017eeme kdykoliv dostat do situace, kdy nebudeme m\u00edt \u010d\u00edm uspokojovat sv\u00e9 pot\u0159eby. A to nejen n\u011bco, co n\u00e1m d\u011bl\u00e1 pouze dob\u0159e, ale klidn\u011b ani to, co skute\u010dn\u011b nevyhnuteln\u011b pot\u0159ebujeme, abychom obst\u00e1li. A co si m\u00e1me my lid\u00e9 po\u010d\u00edt, kdy\u017e pen\u00edze pot\u0159ebujeme, ale jako na potvoru n\u00e1m zrovna dojdou a nejsou dostate\u010dn\u011b rychle k sehn\u00e1n\u00ed?  Pak n\u00e1m m\u016f\u017ee \u010dasto pomoci i p\u016fj\u010dka. P\u0159esn\u011bji dosa\u017eiteln\u00e1 a dost v\u00fdhodn\u00e1 p\u016fj\u010dka. Dobrou slu\u017ebu n\u00e1m m\u016f\u017ee nab\u00eddnout t\u0159eba nebankovn\u00ed hypot\u00e9ka. U t\u00e9 toti\u017e sta\u010d\u00ed d\u00e1t do z\u00e1stavy nemovitost a r\u00e1zem m\u016f\u017eeme dostat t\u0159eba a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny, co\u017e mohou b\u00fdt i hodn\u011b velk\u00e9 pen\u00edze. Samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee dok\u00e1\u017eeme takovou p\u016fj\u010dku spl\u00e1cet, t\u0159eba i po docela mal\u00fdch spl\u00e1tk\u00e1ch a po dobu a\u017e \u010dty\u0159iceti let. Tady se toti\u017e nen\u00ed t\u0159eba ob\u00e1vat p\u0159ehnan\u00fdch po\u017eadavk\u016f, je\u017e t\u0159eba banky obvykle m\u00edvaj\u00ed, tady nevad\u00ed ani to, co by \u010dlov\u011bku jinde p\u0159i \u017e\u00e1d\u00e1n\u00ed o p\u016fj\u010dku zlomilo vaz a zbavilo by ho to jak\u00fdchkoliv nad\u011bj\u00ed na jej\u00ed z\u00edsk\u00e1n\u00ed. U nebankovn\u00ed hypot\u00e9ky prost\u011b jde o nemovitou z\u00e1ruku a schopnost spl\u00e1cet. A ten, kdo je toho schopen, se nemus\u00ed b\u00e1t ani pom\u011brn\u011b n\u00edzk\u00fdch p\u0159\u00edjm\u016f, kter\u00e9 m\u00e1, ani z\u00e1znam\u016f v registrech dlu\u017en\u00edk\u016f nebo hroz\u00edc\u00edch exekuc\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sh\u00e1n\u00edte pen\u00edze?","item":"https:\/\/www.czeweb.cz\/shanite-penize\/#breadcrumbitem"}]}]