[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.emkas.cz\/pujcte-si-a-je-to\/#Article","mainEntityOfPage":"https:\/\/www.emkas.cz\/pujcte-si-a-je-to\/","headline":"P\u016fj\u010dte si a je to","name":"P\u016fj\u010dte si a je to","description":"Na tom, \u017ee my lid\u00e9 n\u011bkdy nem\u00e1me pen\u011bz nazbyt, nen\u00ed nic p\u0159ekvapiv\u00e9ho. K tomu doch\u00e1z\u00ed docela \u010dasto. A hojn\u00fdm \u00fakazem je i situace, kdy u\u017e to my lid\u00e9 v\u016fbec nezvl\u00e1d\u00e1me a zab\u0159ed\u00e1me do dluh\u016f. M\u00e1me za n\u011bco platit, ale nem\u00e1me \u010d\u00edm, a tak se mus\u00edme na jedn\u00e9 stran\u011b omezovat, zat\u00edmco na stran\u011b druh\u00e9 p\u0159ib\u00fdvaj\u00ed nezaplacen\u00e9 […]","datePublished":"2025-05-03","dateModified":"2025-05-03","author":{"@type":"Person","@id":"https:\/\/www.emkas.cz\/author\/#Person","name":"","url":"https:\/\/www.emkas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"emkas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.emkas.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppp_10_7.jpg","url":"https:\/\/www.emkas.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppp_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.emkas.cz\/pujcte-si-a-je-to\/","about":["Finance"],"wordCount":440,"articleBody":"       Na tom, \u017ee my lid\u00e9 n\u011bkdy nem\u00e1me pen\u011bz nazbyt, nen\u00ed nic p\u0159ekvapiv\u00e9ho. K tomu doch\u00e1z\u00ed docela \u010dasto. A hojn\u00fdm \u00fakazem je i situace, kdy u\u017e to my lid\u00e9 v\u016fbec nezvl\u00e1d\u00e1me a zab\u0159ed\u00e1me do dluh\u016f. M\u00e1me za n\u011bco platit, ale nem\u00e1me \u010d\u00edm, a tak se mus\u00edme na jedn\u00e9 stran\u011b omezovat, zat\u00edmco na stran\u011b druh\u00e9 p\u0159ib\u00fdvaj\u00ed nezaplacen\u00e9 \u00fa\u010dty, na kter\u00e9 u\u017e n\u00e1m nezbyly pen\u00edze. A jak se mnou budete jist\u011b souhlasit, nen\u00ed to zrovna p\u0159\u00edjemn\u00e1 situace. \u010c\u00edm m\u00e9n\u011b toho zvl\u00e1d\u00e1me zaplatit, t\u00edm h\u016f\u0159 se n\u00e1m \u017eije. A\u017e u\u017e to t\u0159eba ani nen\u00ed mo\u017en\u00e9 pova\u017eovat za norm\u00e1ln\u00ed d\u016fstojn\u00fd lidsk\u00fd \u017eivot.Je tedy \u017e\u00e1douc\u00ed, abychom m\u011bli dost pen\u011bz. Ale to se n\u00e1m n\u011bkdy zkr\u00e1tka nespln\u00ed. A kdy\u017e jich dost nen\u00ed, mus\u00edme se omezovat a pokou\u0161et se sehnat i n\u011bjak\u00e9 ty finan\u010dn\u00ed prost\u0159edky nav\u00edc. Abychom nakonec zvl\u00e1dli aspo\u0148 to skute\u010dn\u011b nepostradateln\u00e9 financovat. A tak se n\u011bkdy neobejdeme bez n\u011bjak\u00e9 t\u00e9 p\u016fj\u010dky. Ta je n\u011bkdy u\u017e tou jedinou nad\u011bj\u00ed, jak netrp\u011bt nedostatkem a nezab\u0159ed\u00e1vat do st\u00e1le nep\u0159\u00edjemn\u011bj\u0161\u00edch, a nakonec t\u0159eba u\u017e i ne\u0159e\u0161iteln\u00fdch pot\u00ed\u017e\u00ed.P\u016fj\u010dky ale nejsou v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b v\u0161echny stejn\u00e9. A proto bychom si z nich m\u011bli vyb\u00edrat. V prvn\u00ed \u0159ad\u011b takovou p\u016fj\u010dku, kterou ve sv\u00e9 situaci m\u016f\u017eeme skute\u010dn\u011b dostat, a potom p\u016fj\u010dku, kter\u00e1 je krom\u011b toho i co nejv\u00fdhodn\u011bj\u0161\u00ed. To d\u00e1 rozum.Ale nejednou zjist\u00edme, \u017ee n\u00e1m snad \u017e\u00e1dn\u00e1 v\u00fdhodn\u00e1 p\u016fj\u010dka dostupn\u00e1 nen\u00ed. Nic z toho, co n\u00e1m banky nab\u00edzej\u00ed, nem\u016f\u017eeme dostat, proto\u017ee pr\u00fd nejsme bonitn\u00ed. Tedy nem\u00e1me podle bankovn\u00edch \u00fa\u0159edn\u00edk\u016f takov\u00e9 kvality, za jak\u00fdch by n\u00e1m byli ochotni p\u016fj\u010dku p\u0159iklepnout. A nab\u00edzej\u00ed se n\u00e1m snad jedin\u011b p\u0159edra\u017een\u00e9 kr\u00e1tkodob\u00e9 p\u016fj\u010dky, kter\u00e9 jsou ale jen snadno dostupn\u00fdm hazardem s na\u0161\u00ed budoucnost\u00ed.Ale neklesejme na mysli. Po\u0159\u00e1d jsem je\u0161t\u011b neuvedl v\u0161echno, co u n\u00e1s nab\u00eddka p\u016fj\u010dek obsahuje. Je\u0161t\u011b se n\u00e1m nab\u00edzej\u00ed nebankovn\u00ed hypot\u00e9ky. A vzhledem k tomu, \u017ee se nab\u00edz\u00ed americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu a ani z registr\u016f dlu\u017en\u00edk\u016f se ned\u011bl\u00e1 moc v\u011bda, tu lze pen\u00edze velice jednodu\u0161e sehnat.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dte si a je to","item":"https:\/\/www.emkas.cz\/pujcte-si-a-je-to\/#breadcrumbitem"}]}]