[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.iias.cz\/penize-se-sezenou\/#Article","mainEntityOfPage":"https:\/\/www.iias.cz\/penize-se-sezenou\/","headline":"Pen\u00edze se se\u017eenou","name":"Pen\u00edze se se\u017eenou","description":"Pen\u00edze, jak je zn\u00e1mo, ob\u00edhaj\u00ed mezi n\u00e1mi lidmi. A bylo by \u017e\u00e1douc\u00ed, aby ob\u00edhaly tak, \u017ee jich budeme m\u00edt v\u0161ichni dost. Abychom byli schopni platit za v\u0161echno, za co platit mus\u00edme nebo chceme. Na\u0161e p\u0159\u00edjmy by m\u011bly b\u00fdt takov\u00e9, aby bylo mo\u017en\u00e9 uspokojovat i na\u0161e pot\u0159eby, tedy hradit p\u0159inejmen\u0161\u00edm nepostradateln\u00e9 v\u00fddaje. O takovou dokonalou bilanci […]","datePublished":"2025-12-03","dateModified":"2025-12-03","author":{"@type":"Person","@id":"https:\/\/www.iias.cz\/author\/#Person","name":"","url":"https:\/\/www.iias.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"iias.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.iias.cz\/wp-content\/uploads\/ppppppppppppppp_10_10_10_10_8.jpg","url":"https:\/\/www.iias.cz\/wp-content\/uploads\/ppppppppppppppp_10_10_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.iias.cz\/penize-se-sezenou\/","about":["Ekonomika"],"wordCount":446,"articleBody":"       Pen\u00edze, jak je zn\u00e1mo, ob\u00edhaj\u00ed mezi n\u00e1mi lidmi. A bylo by \u017e\u00e1douc\u00ed, aby ob\u00edhaly tak, \u017ee jich budeme m\u00edt v\u0161ichni dost. Abychom byli schopni platit za v\u0161echno, za co platit mus\u00edme nebo chceme. Na\u0161e p\u0159\u00edjmy by m\u011bly b\u00fdt takov\u00e9, aby bylo mo\u017en\u00e9 uspokojovat i na\u0161e pot\u0159eby, tedy hradit p\u0159inejmen\u0161\u00edm nepostradateln\u00e9 v\u00fddaje. O takovou dokonalou bilanci pochopiteln\u011b usilujeme. A jsme r\u00e1di, kdy\u017e m\u00e1me pen\u011bz v\u00edc ne\u017e dost, proto\u017ee se d\u00edky tomu d\u00e1 i n\u011bco na\u0161et\u0159it, co\u017e se m\u016f\u017ee n\u011bkdy v budoucnu hodit. Jen\u017ee n\u011bkdy nem\u00e1me pen\u00edze nejen na to, abychom hromadili \u00faspory, ale ani na to, abychom norm\u00e1ln\u011b \u017eili. Za v\u0161e, co pot\u0159ebujeme, bychom m\u011bli platit v\u00edc, ne\u017e kolik si vzhledem ke sv\u00fdm p\u0159\u00edjm\u016fm m\u016f\u017eeme dovolit. A t\u00edm p\u00e1dem si n\u011bkdy mus\u00edme \u0159\u00e1dn\u011b ut\u00e1hnout opasek. A n\u011bkdy n\u00e1m ani to nepom\u016f\u017ee, n\u011bkdy ani sebeskromn\u011bj\u0161\u00ed \u017eivot nezaru\u010d\u00ed, \u017ee budeme se sv\u00fdmi financemi vych\u00e1zet. A co s t\u00edm? Pochopiteln\u011b to jedin\u00e9, co se d\u00e1 ud\u011blat. Kdy\u017e je pen\u011bz m\u00e1lo, sh\u00e1n\u00edme p\u016fj\u010dky. Ale ten, kdo sh\u00e1n\u00ed v zoufal\u00e9 finan\u010dn\u00ed situaci p\u016fj\u010dku v bance, velice \u010dasto neusp\u011bje. \u0158eknou mu, \u017ee mu vzhledem k jeho p\u0159\u00edjm\u016fm a t\u0159eba i z\u00e1znam\u016fm v registrech dlu\u017en\u00edk\u016f a dal\u0161\u00edm komplikac\u00edm nelze vyhov\u011bt. A pak nepomohou ani prosby, ani hrozby. Banky maj\u00ed sv\u00e1 pravidla a jsou neoblomn\u00e9.Jen\u017ee \u010dlov\u011bk t\u0159eba p\u016fj\u010dku pot\u0159ebuje. A to natolik, \u017ee se t\u00e9to mo\u017enosti nem\u016f\u017ee vzd\u00e1t. A proto je t\u0159eba v\u011bd\u011bt, kde by mohl doty\u010dn\u00fd o n\u011bjakou vhodnou p\u016fj\u010dku po\u017e\u00e1dat a usp\u011bt. A jestli existuje p\u016fj\u010dka vhodn\u00e1 pro problematick\u00e9 \u017eadatele, je to hypot\u00e9ka pro dlu\u017en\u00edky od nebankovn\u00ed spole\u010dnosti. Tu toti\u017e lze ur\u010dit\u011b z\u00edskat i tehdy, kdy\u017e je to jinde beznad\u011bjn\u00e9. Jej\u00ed p\u0159ednost\u00ed toti\u017e je, \u017ee ji m\u016f\u017ee m\u00edt za v\u00fdhodn\u00fdch podm\u00ednek ka\u017ed\u00fd, kdo za jej\u00ed vr\u00e1cen\u00ed dok\u00e1\u017ee ru\u010dit sv\u00fdm nemovit\u00fdm majetkem. Kdy\u017e tedy m\u016f\u017ee n\u011bkdo nab\u00eddnout nebankovn\u00ed spole\u010dnosti svoji nemovitost jako z\u00e1ruku, \u017ee p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1t\u00ed, z\u00edsk\u00e1 tu finan\u010dn\u00ed prost\u0159edky, d\u00edky kter\u00fdm bude zase moci norm\u00e1ln\u011b \u017e\u00edt.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze se se\u017eenou","item":"https:\/\/www.iias.cz\/penize-se-sezenou\/#breadcrumbitem"}]}]