[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.equum.cz\/co-pozadat-o-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.equum.cz\/co-pozadat-o-pujcku\/","headline":"Co po\u017e\u00e1dat o p\u016fj\u010dku?","name":"Co po\u017e\u00e1dat o p\u016fj\u010dku?","description":"P\u0159i nedostatku pen\u011bz byste ur\u010dit\u011b nej\u00e1sali. Proto\u017ee to nen\u00ed \u017e\u00e1dn\u00fd d\u016fvod k j\u00e1sotu. Pokud toti\u017e my...","datePublished":"2025-08-17","dateModified":"2025-08-17","author":{"@type":"Person","@id":"https:\/\/www.equum.cz\/author\/#Person","name":"","url":"https:\/\/www.equum.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"equum.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.equum.cz\/wp-content\/uploads\/pppppppppppppppppppppppp_10_10_10_4.jpg","url":"https:\/\/www.equum.cz\/wp-content\/uploads\/pppppppppppppppppppppppp_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.equum.cz\/co-pozadat-o-pujcku\/","about":["Pen\u00edze"],"wordCount":429,"articleBody":"   P\u0159i nedostatku pen\u011bz byste ur\u010dit\u011b nej\u00e1sali. Proto\u017ee to nen\u00ed \u017e\u00e1dn\u00fd d\u016fvod k j\u00e1sotu. Pokud toti\u017e my lid\u00e9 nezouf\u00e1me ve finan\u010dn\u00ed t\u00edsni, pak jedin\u011b tehdy, kdy\u017e tato postihne n\u011bkoho jin\u00e9ho, a ne n\u00e1s samotn\u00e9. Proto\u017ee z ciz\u00edho krev nete\u010de, jak se \u0159\u00edk\u00e1. Ale kdy\u017e se ocitneme ve finan\u010dn\u00edch probl\u00e9mech my sami, to u\u017e je jin\u00e1. To u\u017e n\u00e1s opravdu tr\u00e1p\u00ed. A sna\u017e\u00edme se to zm\u011bnit. Tedy sehnat n\u011bkde pen\u00edze, za kter\u00e9 bychom mohli v\u00e9st i nad\u00e1le b\u011b\u017en\u00fd \u017eivot. Pen\u00edze se ale nesh\u00e1n\u011bj\u00ed pr\u00e1v\u011b snadno. A to proto, \u017ee je chce m\u00edt ka\u017ed\u00fd. A kdo n\u011bco chce, ten to ciz\u00edmu \u010dlov\u011bku obvykle jenom tak nedaruje.Nanejv\u00fd\u0161 tak je\u0161t\u011b p\u016fj\u010d\u00ed, ale ani na to bych se rad\u011bji moc nespol\u00e9hal. A pokud u\u017e potom n\u011bkdo n\u011bkomu p\u0159ece jenom pen\u00edze p\u016fj\u010d\u00ed, pak docela pochopiteln\u011b jenom na n\u011bjak\u00fd akceptovateln\u00fd \u00farok. A samoz\u0159ejm\u011b tehdy, kdy\u017e takov\u00fd poskytovatel p\u016fj\u010dky dosp\u011bje k n\u00e1zoru, \u017ee je \u017eadatel o p\u016fj\u010dku d\u016fv\u011bryhodn\u00fd a pen\u00edze mu vr\u00e1t\u00ed. Tak\u017ee se n\u011bkdy nesh\u00e1n\u00ed ani p\u016fj\u010dka snadno. Zejm\u00e9na pak v p\u0159\u00edpad\u011b lid\u00ed, kte\u0159\u00ed nevypadaj\u00ed pr\u00e1v\u011b d\u016fv\u011bryhodn\u011b a cht\u011bj\u00ed p\u0159itom p\u016fj\u010dit hodn\u011b pen\u011bz na dlouhou dobu. Takov\u00ed lid\u00e9 \u017e\u00e1daj\u00ed v bank\u00e1ch, ale nezvl\u00e1daj\u00ed to. Ani u p\u0159\u00edbuzn\u00fdch a zn\u00e1m\u00fdch pochopiteln\u011b neusp\u011bj\u00ed, tady krom\u011b ned\u016fv\u011bryhodnosti i proto, \u017ee na\u0161i p\u0159\u00edbuzn\u00ed coby oby\u010dejn\u00ed lid\u00e9 nem\u00edvaj\u00ed zrovna moc pen\u011bz nazbyt. A tak to vypad\u00e1 pom\u011brn\u011b beznad\u011bjn\u011b.Ale na\u0161t\u011bst\u00ed se to nakonec obvykle zvl\u00e1dne. Kdy\u017e z\u00e1jemce o p\u016fj\u010dku oslov\u00ed nebankovn\u00ed spole\u010dnost, m\u00e1 svou nemovitost a po\u017e\u00e1d\u00e1 o nebankovn\u00ed hypot\u00e9ku, je velk\u00e1 \u0161ance, \u017ee to tentokr\u00e1t vyjde. Proto\u017ee dostane-li nebankovn\u00ed spole\u010dnost z\u00e1ruku, jakou je nemovit\u00fd majetek, nem\u00e1 d\u016fvod \u017eadateli nep\u016fj\u010dit. A tak je nebankovn\u00ed americk\u00e1 hypot\u00e9ka https:\/\/www.hypotekybezregistru.cz\/ volbou hlavn\u011b t\u011bch, kdo nemaj\u00ed jinde moc \u0161anc\u00ed na \u00fasp\u011bch. A kdo pot\u0159ebuj\u00ed i velk\u00e9 \u010d\u00e1stky s dost dlouhou dobou spl\u00e1cen\u00ed. I kdy\u017e se m\u016f\u017ee o podobnou nebankovn\u00ed hypot\u00e9ku zd\u00e1rn\u011b uch\u00e1zet i kdokoliv jin\u00fd, kdo m\u016f\u017ee onu po\u017eadovanou jednoduchou z\u00e1ruku nab\u00eddnout.                                                                                                                                                                                                                                                                                                                                                                                          3\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co po\u017e\u00e1dat o p\u016fj\u010dku?","item":"https:\/\/www.equum.cz\/co-pozadat-o-pujcku\/#breadcrumbitem"}]}]