[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stesol.cz\/proc-by-si-jeden-nepujcil\/#Article","mainEntityOfPage":"https:\/\/www.stesol.cz\/proc-by-si-jeden-nepujcil\/","headline":"Pro\u010d by si jeden nep\u016fj\u010dil?","name":"Pro\u010d by si jeden nep\u016fj\u010dil?","description":"Kdy\u017e se \u010dlov\u011bk ocitne ve finan\u010dn\u00ed t\u00edsni, m\u00e1 v podstat\u011b jen t\u0159i mo\u017enosti, jak si po\u010d\u00ednat.a) M\u016f\u017ee na v\u0161e rezignovat. Sm\u00ed\u0159it se s t\u00edm, \u017ee si pot\u0159ebnou v\u011bc obstar\u00e1 teprve … ","datePublished":"2019-02-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.stesol.cz\/author\/#Person","name":"","url":"https:\/\/www.stesol.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":"stesol.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stesol.cz\/wp-content\/uploads\/img_a338086_w2525_t1550916636.jpg","url":"https:\/\/www.stesol.cz\/wp-content\/uploads\/img_a338086_w2525_t1550916636.jpg","height":0,"width":0},"url":"https:\/\/www.stesol.cz\/proc-by-si-jeden-nepujcil\/","about":["Ekonomika"],"wordCount":608,"articleBody":"Kdy\u017e se \u010dlov\u011bk ocitne ve finan\u010dn\u00ed t\u00edsni, m\u00e1 v podstat\u011b jen t\u0159i mo\u017enosti, jak si po\u010d\u00ednat.a) M\u016f\u017ee na v\u0161e rezignovat. Sm\u00ed\u0159it se s t\u00edm, \u017ee si pot\u0159ebnou v\u011bc obstar\u00e1 teprve tehdy, a\u017e si na ni na\u0161et\u0159\u00ed, mo\u017en\u00e1 tedy za n\u011bkolik m\u011bs\u00edc\u016f, mo\u017en\u00e1 za n\u011bkolik let. A mo\u017en\u00e1 tak\u00e9 nikdy, jde-li o v\u011bc z okruhu t\u011bch nejdra\u017e\u0161\u00edch.b) M\u016f\u017ee se vrhnout do je\u0161t\u011b usilovn\u011bj\u0161\u00ed pr\u00e1ce ve snaze si na to pot\u0159ebn\u00e9 urychlen\u011b vyd\u011blat. Co\u017e je sv\u00fdm zp\u016fsobem to nejlep\u0161\u00ed \u0159e\u0161en\u00ed, maj\u00edc\u00ed v\u0161ak \u00faskal\u00ed v tom, \u017ee ne ka\u017ed\u00e9mu se nab\u00edz\u00ed dostatek dob\u0159e placen\u00fdch pracovn\u00edch p\u0159\u00edle\u017eitost\u00ed a nejednou nelze sou\u010dasn\u011b vykon\u00e1vat v\u00edc zam\u011bstn\u00e1n\u00ed z \u010dasov\u00fdch d\u016fvod\u016f nebo nedostatku sil. Proto\u017ee den nen\u00ed natahovac\u00ed a s\u00edly nekone\u010dn\u00e9.c) M\u016f\u017ee si p\u016fj\u010dit. Ov\u0161em zde je ta nev\u00fdhoda, \u017ee p\u016fj\u010den\u00e9 pen\u00edze jednou bude t\u0159eba vr\u00e1tit, tak\u017ee se m\u016f\u017ee probl\u00e9m jenom odsunout. Jen\u017ee to je nejednou ta jedin\u00e1 mo\u017enost.Pokud si \u010dlov\u011bk chce p\u016fj\u010dit, m\u011bl by tak \u010dinit s rozmyslem. Nem\u011bl by sko\u010dit na to prvn\u00ed, co mu kdo nab\u00eddne. Ov\u0161em je sou\u010dasn\u011b smutnou pravdou i to, \u017ee na to, co se nab\u00edz\u00ed jako prvn\u00ed, takov\u00fd \u010dlov\u011bk nejednou ani sko\u010dit nem\u016f\u017ee. Nebo tedy m\u016f\u017ee, ov\u0161em zbyte\u010dn\u011b.Proto\u017ee t\u00edm prvn\u00edm, co \u010dlov\u011bka p\u0159i polo\u017een\u00ed si ot\u00e1zky \u201akde si p\u016fj\u010dit?\u2018 napadne, b\u00fdv\u00e1 zpravidla banka. A banka je z\u00e1rove\u0148 dost mo\u017en\u00e1 i t\u00edm \u00fapln\u011b posledn\u00edm, kdo se uvol\u00ed takov\u00e9mu zoufal\u00e9mu \u010dlov\u011bku n\u011bjak\u00e9 pen\u00edze sv\u011b\u0159it. A to z toho prost\u00e9ho d\u016fvodu, \u017ee j\u00ed tento zpravidla nep\u0159ipadne dost d\u016fv\u011bryhodn\u00fd, respektive \u017ee nedok\u00e1\u017ee poskytnout dostate\u010dn\u00e9 z\u00e1ruky.Pokud tedy p\u0159ijde takov\u00fd \u017eadatel do banky, nahl\u00e9dnou \u00fa\u0159edn\u00edci do registru dlu\u017en\u00edk\u016f, pod\u00edvaj\u00ed se na \u010d\u00edslo na konci jeho v\u00fdplatn\u00ed p\u00e1sky, polo\u017e\u00ed p\u00e1r ot\u00e1zek stran zam\u011bstn\u00e1n\u00ed a rodinn\u00fdch pom\u011br\u016f a n\u00e1sleduje negativn\u00ed verdikt. Prost\u011b nep\u016fj\u010d\u00ed.Ov\u0161em zoufat net\u0159eba, proto\u017ee .A fakt, \u017ee \u010dlov\u011bku nep\u016fj\u010dila banka, nemus\u00ed hr\u00e1t zase a\u017e tak d\u016fle\u017eitou \u00falohu. Proto\u017ee i ten, kdo se nezd\u00e1 dost dobr\u00fd bance, m\u016f\u017ee b\u00fdt v\u00edce ne\u017e p\u0159ijateln\u00fdm klientem pro n\u011bkoho jin\u00e9ho. T\u0159eba pro n\u011bjakou tu nebankovn\u00ed spole\u010dnost s jej\u00ed hypot\u00e9kou bez registru.V tomto p\u0159\u00edpad\u011b se net\u0159eba v\u016fbec b\u00e1t n\u00edzk\u00fdch p\u0159\u00edjm\u016f nebo n\u011bjak\u00e9ho toho z\u00e1pisu v registru dlu\u017en\u00edk\u016f. Proto\u017ee v tomto p\u0159\u00edpad\u011b jde o podru\u017en\u00e9 v\u011bci. Tady jde o n\u011bco jin\u00e9ho.Kdy\u017e chce \u010dlov\u011bk takovou nebankovn\u00ed hypot\u00e9ku bez registru z\u00edskat, mus\u00ed u\u010dinit vlastn\u011b jenom jedin\u00e9. Nab\u00eddnout za tuto coby z\u00e1ruku svou nemovitost. A pak u\u017e se jenom t\u011b\u0161it na vytou\u017een\u00e9 pen\u00edze.Pen\u00edze, jich\u017e se do\u010dk\u00e1 snadno a rychle, klidn\u011b i na hodn\u011b dlouhou dobu a s minim\u00e1ln\u00edmi spl\u00e1tkami. Co\u017e si m\u016f\u017ee dovolit po\u0159\u00eddit ka\u017ed\u00fd. Ka\u017ed\u00fd, kdo pot\u0159ebuje pen\u00edze a komu jen tak n\u011bkdo nep\u016fj\u010d\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d by si jeden nep\u016fj\u010dil?","item":"https:\/\/www.stesol.cz\/proc-by-si-jeden-nepujcil\/#breadcrumbitem"}]}]