[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.venth.cz\/lide-nemaji-vzdy-dost-penez\/#Article","mainEntityOfPage":"https:\/\/www.venth.cz\/lide-nemaji-vzdy-dost-penez\/","headline":"Lid\u00e9 nemaj\u00ed v\u017edy dost pen\u011bz","name":"Lid\u00e9 nemaj\u00ed v\u017edy dost pen\u011bz","description":"Dostatek pen\u011bz je t\u00edm, po \u010dem my lid\u00e9 n\u00e1ramn\u011b tou\u017e\u00edme. Chceme m\u00edt v\u017edycky tolik pen\u011bz, abychom se nemuseli b\u00e1t toho, \u017ee n\u011bkdy nezvl\u00e1dneme zaplatit za to v\u0161echno, za co zaplatit mus\u00edme. Ale v \u017eivot\u011b nejde v\u017edycky v\u0161echno tak, jak bychom si to p\u0159\u00e1li. A tak se n\u011bkdy stane, \u017ee prost\u011b dost pen\u011bz nem\u00e1me. A t\u00edm …","datePublished":"2025-09-04","dateModified":"2025-09-04","author":{"@type":"Person","@id":"https:\/\/www.venth.cz\/author\/#Person","name":"","url":"https:\/\/www.venth.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"venth.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.venth.cz\/wp-content\/uploads\/pppppppppppppppppppppppp_10_10_10_7.jpg","url":"https:\/\/www.venth.cz\/wp-content\/uploads\/pppppppppppppppppppppppp_10_10_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.venth.cz\/lide-nemaji-vzdy-dost-penez\/","about":["Finance"],"wordCount":434,"articleBody":"       Dostatek pen\u011bz je t\u00edm, po \u010dem my lid\u00e9 n\u00e1ramn\u011b tou\u017e\u00edme. Chceme m\u00edt v\u017edycky tolik pen\u011bz, abychom se nemuseli b\u00e1t toho, \u017ee n\u011bkdy nezvl\u00e1dneme zaplatit za to v\u0161echno, za co zaplatit mus\u00edme. Ale v \u017eivot\u011b nejde v\u017edycky v\u0161echno tak, jak bychom si to p\u0159\u00e1li. A tak se n\u011bkdy stane, \u017ee prost\u011b dost pen\u011bz nem\u00e1me. A t\u00edm p\u00e1dem bychom se m\u011bli adekv\u00e1tn\u011b uskromnit, abychom to zvl\u00e1dli i s t\u011bmi prost\u0159edky, kter\u00e9 m\u00e1me. Jen\u017ee to je n\u011bkdy neakceptovateln\u00e9. N\u011bkdy prost\u011b pot\u0159ebujeme pen\u011bz v\u00edc, ne\u017e jich m\u00e1me. A t\u00edm p\u00e1dem n\u011bkdy nem\u00e1me jinou volbu, ne\u017e n\u011bkam j\u00edt \u017e\u00e1dat o p\u016fj\u010dku.A da\u0159\u00ed se n\u00e1m takovou p\u016fj\u010dku z\u00edskat, kdy\u017e ji pot\u0159ebujeme? To je r\u016fzn\u00e9. N\u011bkdy ano, n\u011bkdy ne. To podle toho, jak na tom ekonomicky jsme, co m\u016f\u017eeme poskytovatel\u016fm p\u016fj\u010dek nab\u00eddnout a co tito u konkr\u00e9tn\u00edch p\u016fj\u010dek po\u017eaduj\u00ed jako z\u00e1ruky, \u017ee dostanou sv\u00e9 pen\u00edze tak\u00e9 zp\u00e1tky. V bank\u00e1ch se b\u011b\u017en\u011b vy\u017eaduj\u00ed hodn\u011b velk\u00e9 p\u0159\u00edjmy \u017eadatel\u016f plus dokonale vypadaj\u00edc\u00ed registry dlu\u017en\u00edk\u016f. A to m\u016f\u017ee b\u00fdt probl\u00e9m, proto\u017ee je hodn\u011b lid\u00ed, kte\u0159\u00ed si dost nevyd\u011bl\u00e1vaj\u00ed a kte\u0159\u00ed u\u017e maj\u00ed z minulosti n\u011bjak\u00fd ten finan\u010dn\u00ed h\u0159\u00edch. A tak spousta \u017eadatel\u016f odch\u00e1z\u00ed z bank, ani\u017e by se do\u010dkala pot\u0159ebn\u00e9 p\u016fj\u010dky. A co si maj\u00ed takov\u00ed lid\u00e9 po\u010d\u00edt, kdy\u017e p\u016fj\u010dku v\u00e1\u017en\u011b pot\u0159ebuj\u00ed? Mus\u00ed to logicky zkusit n\u011bkde docela jinde, kde se pen\u00edze p\u016fj\u010duj\u00ed podle jin\u00fdch pravidel. A kdy\u017e takov\u00ed \u017eadatel\u00e9 o p\u016fj\u010dku vlastn\u00ed nemovitost a za\u010dnou se uch\u00e1zet o nebankovn\u00ed hypot\u00e9ku, maj\u00ed nad\u011bji. Proto\u017ee se nebankovn\u00ed hypot\u00e9ky do\u010dkaj\u00ed, jakmile se za ni zaru\u010d\u00ed pr\u00e1v\u011b z\u00e1stavou nemovitosti. Jak u\u017e to tak u hypot\u00e9k v\u010detn\u011b t\u011bch nebankovn\u00edch b\u00fdv\u00e1. A tak ti, kdo neusp\u011bj\u00ed v bance, \u010dasto z\u00edskaj\u00ed pot\u0159ebn\u00e9 finan\u010dn\u00ed prost\u0159edky od nebankovn\u00ed spole\u010dnosti. A maj\u00ed tak pen\u00edze na dal\u0161\u00ed norm\u00e1ln\u00ed \u017eivot. A je jenom na nich, aby onu nebankovn\u00ed hypot\u00e9ku splatili a nep\u0159i\u0161li o onu nemovitost v z\u00e1stav\u011b. Kter\u00e1 by se p\u0159\u00edpadn\u011b prodala, kdyby dlu\u017en\u00edk nespl\u00e1cel tak, jak m\u00e1.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Lid\u00e9 nemaj\u00ed v\u017edy dost pen\u011bz","item":"https:\/\/www.venth.cz\/lide-nemaji-vzdy-dost-penez\/#breadcrumbitem"}]}]