[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jacar.cz\/je-potreba-mit-vic-penez\/#Article","mainEntityOfPage":"https:\/\/www.jacar.cz\/je-potreba-mit-vic-penez\/","headline":"Je pot\u0159eba m\u00edt v\u00edc pen\u011bz?","name":"Je pot\u0159eba m\u00edt v\u00edc pen\u011bz?","description":"Jestli je n\u011bco pro lidi obzvl\u00e1\u0161t\u011b d\u016fle\u017eit\u00e9, jsou to pen\u00edze. Pr\u00e1v\u011b za pen\u00edze se toti\u017e d\u00e1 po\u0159\u00eddit v\u0161echno, na co si jenom m vzpomeneme, a t\u00edm jsou tyto pro n\u00e1s vlastn\u011b nepostradateln\u00e9. Proto\u017ee co si m\u016f\u017ee n\u011bkdo po\u0159\u00eddit, kdy\u017e nen\u00ed finan\u010dn\u011b dostate\u010dn\u011b zaji\u0161t\u011bn\u00fd? Skoro nic. Leda tak to, co mu nab\u00eddne n\u011bkdo zdarma, a to…","datePublished":"2023-01-14","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.jacar.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.jacar.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jacar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jacar.cz\/wp-content\/uploads\/art449115_1x1_20261002_113240_WtKMXN.jpg","url":"https:\/\/www.jacar.cz\/wp-content\/uploads\/art449115_1x1_20261002_113240_WtKMXN.jpg","height":0,"width":0},"url":"https:\/\/www.jacar.cz\/je-potreba-mit-vic-penez\/","about":["Ekonomika"],"wordCount":422,"articleBody":"       Jestli je n\u011bco pro lidi obzvl\u00e1\u0161t\u011b d\u016fle\u017eit\u00e9, jsou to pen\u00edze. Pr\u00e1v\u011b za pen\u00edze se toti\u017e d\u00e1 po\u0159\u00eddit v\u0161echno, na co si  jenom m vzpomeneme, a t\u00edm jsou tyto pro n\u00e1s vlastn\u011b nepostradateln\u00e9. Proto\u017ee co si m\u016f\u017ee n\u011bkdo po\u0159\u00eddit, kdy\u017e nen\u00ed finan\u010dn\u011b dostate\u010dn\u011b zaji\u0161t\u011bn\u00fd? Skoro nic. Leda tak to, co mu nab\u00eddne n\u011bkdo zdarma, a to obvykle nen\u00ed \u017e\u00e1dn\u00fd z\u00e1zrak. Zat\u00edmco za pen\u00edze\u2026 Pen\u011bz pot\u0159ebujeme m\u00edt my lid\u00e9 prost\u011b v\u017edycky dostatek. Bez t\u011bch se neobejdeme ani jako spot\u0159ebitel\u00e9, ani jako soukrom\u00ed podnikatel\u00e9. N\u011bkdy je pot\u0159ebujeme na n\u00e1kupy a hrazen\u00ed vyu\u017e\u00edvan\u00fdch slu\u017eeb, a n\u011bkdy je tak\u00e9 investujeme do sv\u00e9ho byznysu s nad\u011bj\u00ed na to, \u017ee n\u00e1m je tento rozhojn\u00ed. Ale dostatek pen\u011bz neb\u00fdv\u00e1 \u010dasto samoz\u0159ejmost. Ani ti, kdo usiluj\u00ed o jejich z\u00edsk\u00e1n\u00ed, se\u010d jim jenom s\u00edly sta\u010d\u00ed, nemaj\u00ed v\u017edy jistotu, \u017ee jim jejich p\u0159\u00edjmy budou sta\u010dit. N\u011bkdy je pen\u011bz zkr\u00e1tka m\u00e1lo. A kdy\u017e se pak n\u011bkdo nechce nebo nedok\u00e1\u017ee uskrom\u0148ovat, mus\u00ed si je\u0161t\u011b n\u011bjak\u00e9 dal\u0161\u00ed aspo\u0148 p\u016fj\u010dit. T\u0159eba na b\u011b\u017en\u00e1 vyd\u00e1n\u00ed, t\u0159eba i na ne\u010dekan\u00e9 velk\u00e9 v\u00fddaje, t\u0159eba v mal\u00e9m a t\u0159eba ve velk\u00e9m objemu. To je r\u016fzn\u00e9. A jak se postupuje, kdy\u017e si chce n\u011bkdo n\u011bjak\u00e9 ty finan\u010dn\u00ed prost\u0159edky vyp\u016fj\u010dit? Zkraje je to prost\u00e9. To si prost\u011b \u010dlov\u011bk vybere vhodnou nab\u00eddku a oslov\u00ed toho, kdo ji nab\u00edz\u00ed. Jen\u017ee pak se to m\u016f\u017ee za\u010d\u00edt komplikovat. Pokud je po\u017e\u00e1d\u00e1na banka, m\u016f\u017ee tato cht\u00edt dolo\u017een\u00ed dostate\u010dn\u00fdch \u017eadatelov\u00fdch p\u0159\u00edjm\u016f, chce u \u017eadatele nal\u00e9zt \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a dal\u0161\u00ed kvality. A nen\u00ed-li s t\u00edm zji\u0161t\u011bn\u00fdm spokojen\u00e1, \u017e\u00e1dost rad\u011bji zam\u00edtne.  A dojde-li k tomu, mus\u00ed vz\u00edt ten, kdo pot\u0159ebuje p\u016fj\u010dku, zavd\u011bk nebankovn\u00ed hypot\u00e9kou. Proto\u017ee takov\u00e1 hypot\u00e9ka po insolvenci nen\u00ed jako bankovn\u00ed p\u016fj\u010dky a z\u00e1jemce o ni nemus\u00ed spl\u0148ovat tak n\u00e1ro\u010dn\u00e9 podm\u00ednky. Klidn\u011b sta\u010d\u00ed i jenom z\u00e1stava jeho nemovitosti jako z\u00e1ruka spl\u00e1cen\u00ed. A r\u00e1zem si lze p\u016fj\u010dit i velkou \u010d\u00e1stku s opravdu hodn\u011b dlouhou lh\u016ftou splatnosti.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je pot\u0159eba m\u00edt v\u00edc pen\u011bz?","item":"https:\/\/www.jacar.cz\/je-potreba-mit-vic-penez\/#breadcrumbitem"}]}]