[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aterus.cz\/nemusime-byt-bez-prostredku\/#Article","mainEntityOfPage":"https:\/\/www.aterus.cz\/nemusime-byt-bez-prostredku\/","headline":"Nemus\u00edme b\u00fdt bez prost\u0159edk\u016f","name":"Nemus\u00edme b\u00fdt bez prost\u0159edk\u016f","description":"N\u011bkdy m\u00e1me my lid\u00e9 probl\u00e9my souvisej\u00edc\u00ed s pen\u011bzi. A to nej\u010dast\u011bji ty souvisej\u00edc\u00ed s nedostatkem pen\u011bz. Skoro bych si troufnul tvrdit, \u017ee se ka\u017ed\u00fd z n\u00e1s aspo\u0148 n\u011bkdy dostal do situace, kdy se sv\u00fdmi finan\u010dn\u00edmi prost\u0159edky nevy\u0161el a ocitl se bez nich. A ten, kdo takovou situaci za\u017eil, jist\u011b potvrd\u00ed, \u017ee je ur\u010dit\u011b lep\u0161\u00ed pen\u00edze…","datePublished":"2025-04-18","dateModified":"2025-04-18","author":{"@type":"Person","@id":"https:\/\/www.aterus.cz\/author\/#Person","name":"","url":"https:\/\/www.aterus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aterus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aterus.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppp_10.jpg","url":"https:\/\/www.aterus.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppp_10.jpg","height":0,"width":0},"url":"https:\/\/www.aterus.cz\/nemusime-byt-bez-prostredku\/","about":["Finance"],"wordCount":470,"articleBody":"   N\u011bkdy m\u00e1me my lid\u00e9 probl\u00e9my souvisej\u00edc\u00ed s pen\u011bzi. A to nej\u010dast\u011bji ty souvisej\u00edc\u00ed s nedostatkem pen\u011bz. Skoro bych si troufnul tvrdit, \u017ee se ka\u017ed\u00fd z n\u00e1s aspo\u0148 n\u011bkdy dostal do situace, kdy se sv\u00fdmi finan\u010dn\u00edmi prost\u0159edky nevy\u0161el a ocitl se bez nich. A ten, kdo takovou situaci za\u017eil, jist\u011b potvrd\u00ed, \u017ee je ur\u010dit\u011b lep\u0161\u00ed pen\u00edze m\u00edt ne\u017e nem\u00edt. Je lep\u0161\u00ed, kdy\u017e m\u00e1me plnou pen\u011b\u017eenku nebo dost pen\u011bz na \u00fa\u010dtu, a to i kdy\u017e je t\u0159eba zrovna nepot\u0159ebujeme, ne\u017e je nem\u00edt a pot\u0159ebovat. Proto\u017ee kdo m\u00e1 pen\u00edze, ten si koup\u00ed to, co chce m\u00edt. Zat\u00edmco chud\u00e1k si o tom m\u016f\u017ee nechat leda tak zd\u00e1t.Ale i ti, kdo maj\u00ed pen\u011bz m\u00e1lo, je pot\u0159ebuj\u00ed. I ti si mus\u00ed n\u011bkdy n\u011bco koupit, i ti mus\u00ed hradit \u00fa\u010dty, kter\u00e9 dost\u00e1vaj\u00ed. A kdy\u017e vlastn\u00ed pen\u00edze nesta\u010d\u00ed? Pak je tu na\u0161t\u011bst\u00ed mo\u017enost s\u00e1hnout po n\u011bjak\u00e9 p\u016fj\u010dce. Ale ono nesta\u010d\u00ed nat\u00e1hnout ruku a p\u016fj\u010dku p\u0159ijmout. Tu si je t\u0159eba zaslou\u017eit, stejn\u011b jako kter\u00e9koliv jin\u00e9 pen\u00edze. I kdy\u017e jde jen o do\u010dasnou pomoc, mus\u00edme pro ni n\u011bco ud\u011blat. A sice p\u0159esv\u011bd\u010dit toho, kdo n\u00e1m ji m\u00e1 nab\u00eddnout, \u017ee si ji zaslou\u017e\u00edme. Tedy \u017ee mu takov\u00e9 pen\u00edze vr\u00e1t\u00edme. Nesta\u010d\u00ed ale jenom d\u00e1t n\u011bjak\u00e9 to \u010destn\u00e9 slovo. V to u\u017e se dnes nev\u011b\u0159\u00ed. Mus\u00edme poskytnout daleko d\u016fle\u017eit\u011bj\u0161\u00ed z\u00e1ruky. U bankovn\u00edch p\u016fj\u010dek je nezbytn\u00e9 m\u00edt a dolo\u017eit dostate\u010dn\u00e9 p\u0159\u00edjmy a dokonal\u00e9 registry dlu\u017en\u00edk\u016f, u nebankovn\u00edch hypot\u00e9k pak d\u00e1t do z\u00e1stavy n\u011bjak\u00fd vyhovuj\u00edc\u00ed nemovit\u00fd majetek. A a\u017e pak m\u016f\u017eeme doufat, \u017ee p\u016fj\u010dku dostaneme. A co je vhodn\u011bj\u0161\u00ed nab\u00eddkou? Bankovn\u00ed p\u016fj\u010dky nebo nebankovn\u00ed hypot\u00e9ky? J\u00e1 osobn\u011b jsem p\u0159esv\u011bd\u010den o tom, \u017ee sp\u00ed\u0161e zm\u00edn\u011bn\u00e9 nebankovn\u00ed nab\u00eddky. Nejen proto, \u017ee je lid\u00e9 dost\u00e1vaj\u00ed rychle a bez n\u00e1ro\u010dn\u00e9ho prov\u011b\u0159en\u00ed, ale i proto, \u017ee je to s\u00e1zka na jistotu. U nebankovn\u00edch hypot\u00e9k hned ka\u017ed\u00fd v\u00ed, na \u010dem je. Nikdo se tu neobt\u011b\u017euje s dokazov\u00e1n\u00edm velk\u00fdch p\u0159\u00edjm\u016f, kter\u00e9 se \u00fa\u0159edn\u00edk\u016fm nakonec nemus\u00ed zd\u00e1t dost velk\u00e9, nevad\u00ed t\u0159eba ani z\u00e1znam v registrech dlu\u017en\u00edk\u016f, a tak se poskytuje americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f Hypot\u00e9ky bez registru docela \u010dasto a snadno v\u0161em, kdo ji pot\u0159ebuj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  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