[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.haris.cz\/cim-ma-clovek-platit-v-nouzi\/#Article","mainEntityOfPage":"https:\/\/www.haris.cz\/cim-ma-clovek-platit-v-nouzi\/","headline":"\u010c\u00edm m\u00e1 \u010dlov\u011bk platit v nouzi?","name":"\u010c\u00edm m\u00e1 \u010dlov\u011bk platit v nouzi?","description":"Dokud m\u00e1 \u010dlov\u011bk dost pen\u011bz, je to prost\u00e9. Sta\u010d\u00ed zalovit v pen\u011b\u017eence, vybrat si hotovost z \u00fa\u010dtu nebo pou\u017e\u00edt platebn\u00ed kartu a r\u00e1zem m\u016f\u017ee m\u00edt","datePublished":"2021-07-20","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.haris.cz\/author\/#Person","name":"","url":"https:\/\/www.haris.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"haris.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.haris.cz\/wp-content\/uploads\/pen%C4%9B%C5%BEenka%20s%20bankovkou_3.jpg","url":"https:\/\/www.haris.cz\/wp-content\/uploads\/pen%C4%9B%C5%BEenka%20s%20bankovkou_3.jpg","height":0,"width":0},"url":"https:\/\/www.haris.cz\/cim-ma-clovek-platit-v-nouzi\/","about":["Finance"],"wordCount":422,"articleBody":"     Dokud m\u00e1 \u010dlov\u011bk dost pen\u011bz, je to prost\u00e9. Sta\u010d\u00ed zalovit v pen\u011b\u017eence, vybrat si hotovost z \u00fa\u010dtu nebo pou\u017e\u00edt platebn\u00ed kartu a r\u00e1zem m\u016f\u017ee m\u00edt cokoliv, co s jenom umane. Proto\u017ee za pen\u00edze se u n\u00e1s d\u00e1 koupit cokoliv.Jen\u017ee nikdo nem\u00e1 stoprocentn\u00ed z\u00e1ruku toho, \u017ee se mu bude podobn\u011b da\u0159it v\u017edy, \u017ee v\u017edy bude opl\u00fdvat tolika pen\u011bzi, kolik jich jenom pot\u0159ebuje. A ka\u017ed\u00fd by m\u011bl po\u010d\u00edtat s t\u00edm, \u017ee mohou nastat i zl\u00e9 \u010dasy, kdy bude pen\u011bz pom\u00e1lu, a m\u011bl by si na podobn\u00e9 slo\u017eit\u00e9 obdob\u00ed dost na\u0161et\u0159it v dob\u00e1ch hojnosti.Jen\u017ee ani spo\u0159iv\u00fd a zodpov\u011bdn\u00fd \u010dlov\u011bk nem\u00e1 jistotu, \u017ee jeho zdroje nikdy nevyschnou. A tak je u ka\u017ed\u00e9ho mo\u017en\u00e9, \u017ee bude jednoho dne pot\u0159ebovat p\u016fj\u010dku.A co takov\u00e1 pot\u0159eba p\u016fj\u010dky obn\u00e1\u0161\u00ed?Pokud se \u010dlov\u011bk v nesn\u00e1z\u00edch rozhodne obr\u00e1tit na banku, m\u011bl by stoprocentn\u011b po\u010d\u00edtat s t\u00edm, \u017ee to tu nebude m\u00edt pr\u00e1v\u011b snadn\u00e9. Jist\u011b, banky pen\u00edze maj\u00ed a p\u016fj\u010dky poskytuj\u00ed, jen\u017ee takovou pomoc nab\u00edzej\u00ed jenom bonitn\u00edm, tedy dokonal\u00fdm \u017eadatel\u016fm. T\u011bm, kdo maj\u00ed velk\u00e9 p\u0159\u00edjmy, \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a kdejak\u00e9 dal\u0161\u00ed p\u0159ednosti. Nikomu jin\u00e9mu.A co ti z n\u00e1s, kte\u0159\u00ed tak dokonal\u00ed nejsou? Pro ty je tu p\u0159inejmen\u0161\u00edm nebankovn\u00ed hypot\u00e9ka. Tedy p\u016fj\u010dka od nebankovn\u00ed spole\u010dnosti, u n\u00ed\u017e se nam\u00edsto on\u011bch pro leckoho nedosa\u017eiteln\u00fdch vysok\u00fdch p\u0159\u00edjm\u016f, registr\u016f bez negativn\u00edch z\u00e1znam\u016f a podobn\u00fdch klad\u016f po\u017eaduje z\u00e1ruka v podob\u011b z\u00e1stavy \u017eadatelovy nemovitosti.\u017dadatel, kter\u00fd tu chce usp\u011bt, zkr\u00e1tka mus\u00ed m\u00edt nemovitost, kterou by poskytl jako garanci toho, \u017ee v\u0161echny p\u016fj\u010den\u00e9 pen\u00edze i s \u00faroky vr\u00e1t\u00ed. S t\u00edm, \u017ee kdyby nespl\u00e1cel, od\u0161kodn\u00ed se poskytovatel t\u00e9to p\u016fj\u010dky pr\u00e1v\u011b onou nemovitost\u00ed.Kdo d\u00e1 nemovitou z\u00e1ruku a m\u00e1 z \u010deho spl\u00e1cet, je tedy u nebankovn\u00ed spole\u010dnosti na t\u00e9 spr\u00e1vn\u00e9 adrese. Proto\u017ee tady mu pomohou, a to i v\u00fdznamn\u011b, v\u00fdhodn\u011b a dlouhodob\u011b. A n\u011bkdo takov\u00fd si tu tedy p\u0159ijde k pen\u011bz\u016fm i tehdy, kdy\u017e by nad n\u00edm banky opovr\u017eliv\u011b ohrnovaly nos a nic mu nedaly.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010c\u00edm m\u00e1 \u010dlov\u011bk platit v nouzi?","item":"https:\/\/www.haris.cz\/cim-ma-clovek-platit-v-nouzi\/#breadcrumbitem"}]}]