[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bezhlavi.cz\/kde-vzit-penize\/#Article","mainEntityOfPage":"https:\/\/www.bezhlavi.cz\/kde-vzit-penize\/","headline":"Kde vz\u00edt pen\u00edze?","name":"Kde vz\u00edt pen\u00edze?","description":"V titulku polo\u017eenou ot\u00e1zkou si u n\u00e1s l\u00e1mou lid\u00e9 hlavy u\u017e od nepam\u011bti. Ur\u010dit\u011b u\u017e od prvn\u00edch chvil, kdy se u n\u00e1s objevily pen\u00edze, \u0159e\u0161ili lid\u00e9 dilema, jak k nim p\u0159ij\u00edt.
 Na po\u010d\u00e1tku d\u011bjin finan\u010dnictv\u00ed to pochopiteln\u011b nebylo nic jednoduch\u00e9ho. Mocn\u00ed tohoto sv\u011bta logicky nerozd\u00e1vali pen\u00edze na potk\u00e1n\u00ed, ani nevypisovali n\u011bjak\u00e9 ty unijn\u00ed dotace na […]","datePublished":"2019-02-13","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.bezhlavi.cz\/author\/#Person","name":"","url":"https:\/\/www.bezhlavi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bezhlavi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bezhlavi.cz\/wp-content\/uploads\/img_a335861_w2790_t1549135425.jpg","url":"https:\/\/www.bezhlavi.cz\/wp-content\/uploads\/img_a335861_w2790_t1549135425.jpg","height":0,"width":0},"url":"https:\/\/www.bezhlavi.cz\/kde-vzit-penize\/","about":["Finance"],"wordCount":515,"articleBody":"V titulku polo\u017eenou ot\u00e1zkou si u n\u00e1s l\u00e1mou lid\u00e9 hlavy u\u017e od nepam\u011bti. Ur\u010dit\u011b u\u017e od prvn\u00edch chvil, kdy se u n\u00e1s objevily pen\u00edze, \u0159e\u0161ili lid\u00e9 dilema, jak k nim p\u0159ij\u00edt.
 Na po\u010d\u00e1tku d\u011bjin finan\u010dnictv\u00ed to pochopiteln\u011b nebylo nic jednoduch\u00e9ho. Mocn\u00ed tohoto sv\u011bta logicky nerozd\u00e1vali pen\u00edze na potk\u00e1n\u00ed, ani nevypisovali n\u011bjak\u00e9 ty unijn\u00ed dotace na kdejak\u00e1 \u010dap\u00ed hn\u00edzda, nato\u017e aby strkali pen\u00edze pot\u0159ebn\u00fdm ze sv\u00e9ho. A d\u00e1vn\u00e1 honorace si nikdy nemusela l\u00e1mat hlavy ani s n\u011bjak\u00fdmi volbami, kv\u016fli kter\u00fdm by musela pustit ve prosp\u011bch oby\u010dejn\u00fdch lid\u00ed chlup.
 Tak\u017ee to tehdy bylo t\u011b\u017ek\u00e9. Daleko t\u011b\u017e\u0161\u00ed ne\u017e dnes.
 Jist\u011b, ani dnes nejednou nemaj\u00ed lid\u00e9 na r\u016f\u017e\u00edch ustl\u00e1no, ale p\u0159ece jenom u\u017e d\u00e1vno nen\u00ed tak zle, jak b\u00fdvalo. Dnes u\u017e maj\u00ed lid\u00e9 daleko lep\u0161\u00ed podm\u00ednky a p\u0159\u00edle\u017eitosti, jak se dostat k pen\u011bz\u016fm, pokud je pr\u00e1v\u011b pot\u0159ebuj\u00ed.
 Mohou si kup\u0159\u00edkladu zaj\u00edt do banky a tam si je p\u016fj\u010dit. Jednodu\u0161e si podaj\u00ed \u017e\u00e1dost, vypln\u00ed stoh lejster, obstaraj\u00ed si potvrzen\u00ed o v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f, respektive o pom\u011brech panuj\u00edc\u00edch v jejich rodin\u011b, nechaj\u00ed finan\u010dn\u00ed instituci, aby nahl\u00e9dla do registru dlu\u017en\u00edk\u016f, ve kter\u00e9m by se jm\u00e9no takov\u00fdch \u017eadatel\u016f nem\u011blo vyskytovat a je to.
 R\u00e1zem m\u00e1 takov\u00fd \u010dlov\u011bk pot\u0159ebn\u00e9 finance. Nebo tak\u00e9 ne. Proto\u017ee o takov\u00e9 p\u016fj\u010dce rozhoduje v kone\u010dn\u00e9m d\u016fsledku stejn\u011b jenom sama banka a ta m\u016f\u017ee zaujmout z\u00e1porn\u00e9 stanovisko z jak\u00e9hokoliv d\u016fvodu.
 Tak\u017ee v n\u00ed jsou sice , ov\u0161em nen\u00ed jasn\u00e9, \u010d\u00ed ruky.
 Nejednou ne ruky toho, kdo to nejv\u00edc pot\u0159ebuje.
 Banku je toti\u017e t\u0159eba stoprocentn\u011b p\u0159esv\u011bd\u010dit, \u017ee \u010dlov\u011bk takovou p\u016fj\u010dku nejen pot\u0159ebuje, ale tak\u00e9 je schopen ji \u0159\u00e1dn\u011b a v\u010das vr\u00e1tit. A banky jsou v tomto ohledu citliv\u00e9 na jak\u00e9koliv pochybnosti.
 A pokud banka nep\u016fj\u010d\u00ed? Co m\u00e1 d\u011blat \u010dlov\u011bk potom? Sm\u00ed\u0159it se s t\u00edm, \u017ee bude u\u017e nav\u017edy posledn\u00edm z posledn\u00edch? \u017de nikdy nebude m\u00edt to, \u010deho je mu zapot\u0159eb\u00ed, a u\u017e v\u016fbec ne to, co by si jenom tolik p\u0159\u00e1l m\u00edt?
 Ale kde\u017ee!
 Po\u0159\u00e1d jsou tu p\u0159ece je\u0161t\u011b r\u016fzn\u00e9 nebankovn\u00ed spole\u010dnosti, je\u017e jsou alternativou, d\u00edky n\u00ed\u017e se i takov\u00fd \u010dlov\u011bk do\u010dk\u00e1 pen\u011bz snadno, rychle a bez zbyte\u010dn\u00fdch probl\u00e9m\u016f a starost\u00ed.
 Po\u0159\u00eddit si t\u0159eba nebankovn\u00ed hypot\u00e9ku je docela hra\u010dka. A to i tehdy, m\u00e1-li \u010dlov\u011bk relativn\u011b hluboko do kapsy a vle\u010de si sv\u016fj k\u0159\u00ed\u017e v podob\u011b n\u011bjak\u00fdch t\u011bch proh\u0159e\u0161k\u016f z minulosti.
 Nev\u011b\u0159\u00edte? Nen\u00ed nic jednodu\u0161\u0161\u00edho, ne\u017e se p\u0159esv\u011bd\u010dit osobn\u011b. Zkuste to.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde vz\u00edt pen\u00edze?","item":"https:\/\/www.bezhlavi.cz\/kde-vzit-penize\/#breadcrumbitem"}]}]