[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rtcom.cz\/jak-zvladnout-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.rtcom.cz\/jak-zvladnout-pujcku\/","headline":"Jak zvl\u00e1dnout p\u016fj\u010dku?","name":"Jak zvl\u00e1dnout p\u016fj\u010dku?","description":"Leckdo by si mohl \u0159\u00edci, \u017ee na sehn\u00e1n\u00ed p\u016fj\u010dky nic t\u011b\u017ek\u00e9ho nen\u00ed. M\u00e1me u n\u00e1s banky? M\u00e1me. Maj\u00ed banky pen\u00edze? Maj\u00ed. Poskytuj\u00ed banky p\u016fj\u010dky? Poskytuj\u00ed.…","datePublished":"2025-04-06","dateModified":"2025-04-06","author":{"@type":"Person","@id":"https:\/\/www.rtcom.cz\/author\/#Person","name":"","url":"https:\/\/www.rtcom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rtcom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rtcom.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp.jpg","url":"https:\/\/www.rtcom.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp.jpg","height":0,"width":0},"url":"https:\/\/www.rtcom.cz\/jak-zvladnout-pujcku\/","about":["Ekonomika"],"wordCount":443,"articleBody":"      Leckdo by si mohl \u0159\u00edci, \u017ee na sehn\u00e1n\u00ed p\u016fj\u010dky nic t\u011b\u017ek\u00e9ho nen\u00ed. M\u00e1me u n\u00e1s banky? M\u00e1me. Maj\u00ed banky pen\u00edze? Maj\u00ed. Poskytuj\u00ed banky p\u016fj\u010dky? Poskytuj\u00ed. No tak tam po\u017e\u00e1d\u00e1me o p\u016fj\u010dku, kdy\u017e to pot\u0159ebujeme, dostaneme ji a je to. Nic slo\u017eit\u00e9ho. Ale kdy\u017e to opravdu zkus\u00edte, zjist\u00edte u\u017e z\u00e1hy, \u017ee to tak prost\u00e9 ur\u010dit\u011b nen\u00ed. Po\u017e\u00e1dat banku o p\u016fj\u010dku sice lze, o tom nen\u00ed pochyb, ale nelze po\u010d\u00edtat, \u017ee tu v\u0161ichni takov\u00ed \u017eadatel\u00e9 usp\u011bj\u00ed. Ka\u017ed\u00e1 banka bez v\u00fdjimky toti\u017e poskytuje p\u016fj\u010dky podle sv\u00fdch pravidel, a ta b\u00fdvaj\u00ed dost p\u0159\u00edsn\u00e1. A nesm\u00edte si myslet, \u017ee v\u00e1m n\u011bco slev\u00ed. \u017de tam p\u0159ijdete, p\u0159izn\u00e1te z\u00e1znamy v registrech dlu\u017en\u00edk\u016f a docela n\u00edzk\u00e9 p\u0159\u00edjmy, a oni v\u00e1m p\u016fj\u010dku daj\u00ed. Nedaj\u00ed. Ani n\u00e1hodou. Jakmile pro n\u011b nejste bonitn\u00ed, jakmile panuj\u00ed n\u011bjak\u00e9 pochyby o va\u0161\u00ed schopnosti nebo ochot\u011b p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1tit, obr\u00e1t\u00ed se k v\u00e1m z\u00e1dy. Tak\u017ee nen\u00ed sehn\u00e1n\u00ed p\u016fj\u010dky v\u016fbec tak jednoduch\u00e9, jak by se n\u011bkomu mohlo zd\u00e1t. N\u011bkdy se toho mus\u00ed pro z\u00edsk\u00e1n\u00ed bankovn\u00ed p\u016fj\u010dky ud\u011blat hodn\u011b a n\u011bkdy to ani navzdory sebev\u011bt\u0161\u00ed snaze vyhov\u011bt nevyjde. A kdy\u017e \u010dlov\u011bk odch\u00e1z\u00ed z banky s nepo\u0159\u00edzenou? Pak by mo\u017en\u00e1 m\u011bl rezignovat a obej\u00edt se bez vytou\u017een\u00e9 p\u016fj\u010dky. Ale co kdy\u017e to nejde? Kde potom je\u0161t\u011b zkusit \u0161t\u011bst\u00ed? A je je\u0161t\u011b n\u011bkdo, kdo by \u010dlov\u011bku potom p\u016fj\u010dil? Jist\u011b, nab\u00eddek jin\u00fdch p\u016fj\u010dek u\u017e nen\u00ed mnoho, pokud se bav\u00edme o t\u011bch, kter\u00e9 nejsou p\u0159edra\u017een\u00e9 nebo pochybn\u00e9, ale n\u011bco se po\u0159\u00e1d je\u0161t\u011b najde. Nap\u0159\u00edklad nebankovn\u00ed hypot\u00e9ka. Jestli jste o nebankovn\u00edch hypot\u00e9k\u00e1ch je\u0161t\u011b nesly\u0161eli, m\u011bli byste je aspo\u0148 v hrub\u00fdch obrysech poznat. Abyste o t\u00e9to alternativ\u011b v\u011bd\u011bli, pokud byste ji n\u011bkdy pot\u0159ebovali vyu\u017e\u00edt. Funguje to tu podobn\u011b jako u bankovn\u00edch hypot\u00e9k, pouze s t\u00edm rozd\u00edlem, \u017ee tady si nep\u016fj\u010dujete proto, abyste si koupili nemovitost, ale d\u00e1v\u00e1te tu do z\u00e1stavy nemovitost, abyste v\u00fdm\u011bnou dostali k dispozici pen\u00edze. A s pomoc\u00ed takov\u00e9 nebankovn\u00ed hypot\u00e9ky zvl\u00e1dne svou situaci ka\u017ed\u00fd, kdo n\u011bjak\u00fd nemovit\u00fd majetek m\u00e1.                                                                                                                                                                                                                                                                                                                                                                                          4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak zvl\u00e1dnout p\u016fj\u010dku?","item":"https:\/\/www.rtcom.cz\/jak-zvladnout-pujcku\/#breadcrumbitem"}]}]