[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.e-cafm.cz\/ktere-pujcky-pomahaji\/#Article","mainEntityOfPage":"https:\/\/www.e-cafm.cz\/ktere-pujcky-pomahaji\/","headline":"Kter\u00e9 p\u016fj\u010dky pom\u00e1haj\u00ed?","name":"Kter\u00e9 p\u016fj\u010dky pom\u00e1haj\u00ed?","description":"Mo\u017en\u00e1 to n\u011bkoho z t\u011bch, je\u017e doposud neopustila euforie z dn\u00ed po listopadu 1989 nebo slep\u00e1 z\u00e1vist, p\u0159ekvap\u00ed, ale ani soukrom\u00ed podnikatel\u00e9 nemaj\u00ed nejednou na r\u016f\u017e\u00edch ustl\u00e1no. Ne v\u017edy se t\u011bmto vede tak skv\u011ble, jak si st\u00e1tn\u00ed zam\u011bstnanci se sv\u00fdmi <a class=\"more-link\" href=\"https:\/\/www.e-cafm.cz\/ktere-pujcky-pomahaji\/\">\u010c\u00edst d\u00e1le...<\/a>","datePublished":"2019-09-05","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.e-cafm.cz\/author\/#Person","name":"e-cafm.cz\n","url":"https:\/\/www.e-cafm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/325464d7e09ffe52889ba6983accc5cdb65d0a54acd9a25cd7e409bd3eba713a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/325464d7e09ffe52889ba6983accc5cdb65d0a54acd9a25cd7e409bd3eba713a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"e-cafm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.e-cafm.cz\/wp-content\/uploads\/img_a365812_w1942_t1578480471.jpg","url":"https:\/\/www.e-cafm.cz\/wp-content\/uploads\/img_a365812_w1942_t1578480471.jpg","height":0,"width":0},"url":"https:\/\/www.e-cafm.cz\/ktere-pujcky-pomahaji\/","about":["Ekonomika"],"wordCount":464,"articleBody":"       Mo\u017en\u00e1 to n\u011bkoho z t\u011bch, je\u017e doposud neopustila euforie z dn\u00ed po listopadu 1989 nebo slep\u00e1 z\u00e1vist, p\u0159ekvap\u00ed, ale ani soukrom\u00ed podnikatel\u00e9 nemaj\u00ed nejednou na r\u016f\u017e\u00edch ustl\u00e1no. Ne v\u017edy se t\u011bmto vede tak skv\u011ble, jak si st\u00e1tn\u00ed zam\u011bstnanci se sv\u00fdmi tabulkov\u00fdmi platy p\u0159edstavuj\u00ed, ne v\u017edy je \u017eivot podnikatel\u016f proch\u00e1zkou rajskou zahradou. A je tak b\u011b\u017en\u00e9, \u017ee si tito n\u011bkdy zkr\u00e1tka mus\u00ed p\u016fj\u010dovat pen\u00edze, aby v\u016fbec n\u011bjak vy\u017eili. Jen\u017ee ruku na srdce! P\u016fj\u010dili byste n\u011bkomu, kdyby v\u00e1m na rovinu p\u0159iznal (nebo byste na to dokonce museli p\u0159ij\u00edt sami pot\u00e9, co by se to p\u0159ed v\u00e1mi pokusil ututlat), \u017ee jeho firma skoro nebo dokonce v\u016fbec nevyn\u00e1\u0161\u00ed, \u017ee m\u00e1 hluboko do kapsy, dlu\u017e\u00ed u\u017e i tak tu i onde a dokonce u\u017e v posledn\u00edch letech n\u011bkomu nedok\u00e1zal spl\u00e1cet, tak\u017ee m\u00e1 z\u00e1znam v registrech dlu\u017en\u00edk\u016f a mo\u017en\u00e1 dokonce i exekuci na krku? Do toho byste nejsp\u00ed\u0161e rad\u011bji ne\u0161li, \u017ee? A \u00fapln\u011b stejn\u011b se do p\u016fj\u010dov\u00e1n\u00ed n\u011bkomu takov\u00e9mu nehrnou ani finan\u010dn\u00ed instituce. Proto\u017ee ani ty necht\u011bj\u00ed riskovat ztr\u00e1tu, kterou by utrp\u011bly, kdyby si od nich n\u011bkdo pen\u00edze vzal a u\u017e je nevr\u00e1til. A proto jakmile n\u011bkdo neodpov\u00edd\u00e1 na n\u011bj kladen\u00fdm n\u00e1rok\u016fm, jakmile je na tom finan\u010dn\u011b v\u0161elijak, m\u00e1 sm\u016flu. Bankovn\u00ed \u00fa\u0159edn\u00edci se zatvrd\u00ed a nepovol\u00ed. A nejpozd\u011bji v takov\u00e9 chv\u00edli je na \u010dase zkusit nebankovn\u00ed sf\u00e9ru. Proto\u017ee zde nab\u00edzen\u00e1 hypot\u00e9ka na pozemek Nebankovn\u00ed hypot\u00e9ka CZ odpov\u00edd\u00e1 pot\u0159eb\u00e1m mnoh\u00fdch, ty nejproblemati\u010dt\u011bj\u0161\u00ed \u017eadatele nevyj\u00edmaje. Zde toti\u017e nevad\u00ed ani to, \u017ee m\u00e1 \u010dlov\u011bk z\u00e1znam v registrech dlu\u017en\u00edk\u016f, ani to, \u017ee m\u00e1 hluboko do kapsy, \u017ee u\u017e m\u00e1 dal\u0161\u00ed dluhy a nem\u00e1 nic moc co nab\u00eddnout. Pokud m\u00e1 doty\u010dn\u00fd nemovitost, ji\u017e by mohl d\u00e1t za p\u016fj\u010dku do z\u00e1stavy, t\u0159eba i n\u011bjak\u00fd ten docela oby\u010dejn\u00fd pozemek, a pokud m\u00e1 p\u0159\u00edjmy dostate\u010dn\u00e9 k tomu, aby byl schopen p\u016fj\u010dku v budoucnu spl\u00e1cet, nemus\u00ed propadat zoufalstv\u00ed a m\u016f\u017ee si pr\u00e1v\u011b o takovou nebankovn\u00ed hypot\u00e9ku za\u017e\u00e1dat. Klidn\u011b i do \u010dty\u0159iadvaceti hodin m\u016f\u017ee dostat sv\u00e9, spl\u00e1cet m\u016f\u017ee rok stejn\u011b jako t\u0159eba t\u0159icet let, m\u016f\u017ee ale vr\u00e1tit v\u0161e i p\u0159ed\u010dasn\u011b. \u00daroky jsou tu p\u0159\u00edzniv\u00e9, n\u00e1roky mal\u00e9, poplatky p\u0159edem \u017e\u00e1dn\u00e9. A co si p\u0159\u00e1t v\u00edc, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kter\u00e9 p\u016fj\u010dky pom\u00e1haj\u00ed?","item":"https:\/\/www.e-cafm.cz\/ktere-pujcky-pomahaji\/#breadcrumbitem"}]}]