[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gravit.cz\/nekdo-si-bere-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.gravit.cz\/nekdo-si-bere-pujcky\/","headline":"N\u011bkdo si bere p\u016fj\u010dky","name":"N\u011bkdo si bere p\u016fj\u010dky","description":"Nikdo z n\u00e1s civilizovan\u00fdch lid\u00ed neodm\u00edt\u00e1 pen\u00edze. Samoz\u0159ejm\u011b pokud jde o pen\u00edze, za kter\u00e9 si lze n\u011bco koupit, proto\u017ee jsou i m\u011bny, kter\u00e9 skute\u010dn\u011b nestoj\u00ed za to, aby o n\u011b n\u011bkdo st\u00e1l. V na\u0161ich kon\u010din\u00e1ch tak m\u00edv\u00e1me z\u00e1jem hlavn\u011b o \u010desk\u00e9 koruny, je\u017e jsou na\u0161\u00ed n\u00e1rodn\u00ed m\u011bnou, ale nepohrdneme ani m\u011bnami, kter\u00fdmi se tu d\u00e1 […]","datePublished":"2024-07-12","dateModified":"2024-07-12","author":{"@type":"Person","@id":"https:\/\/www.gravit.cz\/author\/#Person","name":"","url":"https:\/\/www.gravit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gravit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gravit.cz\/wp-content\/uploads\/art506309_1x1_20260926_184408_6MnDOW.jpg","url":"https:\/\/www.gravit.cz\/wp-content\/uploads\/art506309_1x1_20260926_184408_6MnDOW.jpg","height":0,"width":0},"url":"https:\/\/www.gravit.cz\/nekdo-si-bere-pujcky\/","about":["Finance"],"wordCount":423,"articleBody":"       Nikdo z n\u00e1s civilizovan\u00fdch lid\u00ed neodm\u00edt\u00e1 pen\u00edze. Samoz\u0159ejm\u011b pokud jde o pen\u00edze, za kter\u00e9 si lze n\u011bco koupit, proto\u017ee jsou i m\u011bny, kter\u00e9 skute\u010dn\u011b nestoj\u00ed za to, aby o n\u011b n\u011bkdo st\u00e1l. V na\u0161ich kon\u010din\u00e1ch tak m\u00edv\u00e1me z\u00e1jem hlavn\u011b o \u010desk\u00e9 koruny, je\u017e jsou na\u0161\u00ed n\u00e1rodn\u00ed m\u011bnou, ale nepohrdneme ani m\u011bnami, kter\u00fdmi se tu d\u00e1 tak\u00e9 aspo\u0148 omezen\u011b platit a kter\u00e9 uplatn\u00edme t\u0159eba o dovolen\u00fdch nebo si je m\u016f\u017eeme vym\u011bnit a utratit i u n\u00e1s. Kdo m\u00e1 tedy koruny, dolary, eura, libry a podobn\u00e9 pen\u00edze, ten se m\u00e1. A co lid\u00e9, kte\u0159\u00ed nemaj\u00ed nejen konvertibiln\u00ed, ale ani na\u0161e dom\u00e1c\u00ed pen\u00edze? Ti maj\u00ed naopak docela kru\u0161n\u00fd \u017eivot. Proto\u017ee \u010d\u00edm v\u00edc pen\u00edze postr\u00e1daj\u00ed, t\u00edm m\u00e9n\u011b si toho mohou dovolit a t\u00edm v\u00edce probl\u00e9m\u016f mus\u00ed t\u0159eba i dnes a denn\u011b \u0159e\u0161it.  A jak se \u0159e\u0161\u00ed pot\u00ed\u017ee souvisej\u00edc\u00ed s nedostatkem finan\u010dn\u00edch prost\u0159edk\u016f? N\u011bkdy t\u0159eba i tak, \u017ee si za\u017e\u00e1d\u00e1me o n\u011bjakou p\u016fj\u010dku. Proto\u017ee co n\u00e1m m\u016f\u017ee p\u016fj\u010dka nab\u00eddnout? Samoz\u0159ejm\u011b solventnost v dob\u011b, kdy nem\u00e1me dost sv\u00fdch pen\u011bz. Ale p\u016fj\u010dky se neposkytuj\u00ed jenom proto, aby n\u00e1m lidem pom\u00e1haly. P\u016fj\u010dky se poskytuj\u00ed i proto, aby na nich jejich poskytovatel\u00e9 vyd\u011blali. A ti vyd\u011bl\u00e1vaj\u00ed pochopiteln\u011b jedin\u011b tehdy, kdy\u017e jim lid\u00e9 vyplacen\u00e9 p\u016fj\u010dky vracej\u00ed a nav\u00edc p\u0159ihazuj\u00ed i po\u017eadovan\u00e9 \u00faroky a poplatky. A aby byly takov\u00e9 zisky co nejjist\u011bj\u0161\u00ed, cht\u011bj\u00ed poskytovatel\u00e9 p\u016fj\u010dek z\u00e1ruky, \u017ee budou jejich mo\u017en\u00ed dlu\u017en\u00edci doopravdy pat\u0159i\u010dn\u011b spl\u00e1cet. Bankovn\u00ed p\u016fj\u010dky se tedy poskytuj\u00ed t\u011bm, kdo maj\u00ed dostate\u010dn\u00e9 p\u0159\u00edjmy a \u010dist\u00e9 registry dlu\u017en\u00edk\u016f. A americk\u00e1 nebankovn\u00ed hypot\u00e9ka? Ta je tu klidn\u011b i pro ty ostatn\u00ed, pokud mohou doty\u010dn\u00ed zaru\u010dit spl\u00e1cen\u00ed z\u00e1stavou nemovitosti. A je tedy jenom na n\u00e1s lidech, abychom zv\u00e1\u017eili sv\u00e9 re\u00e1ln\u00e9 mo\u017enosti a \u017e\u00e1dali v p\u0159\u00edpad\u011b pot\u0159eby o takov\u00e9 p\u016fj\u010dky, kter\u00e9 v\u00e1\u017en\u011b dostaneme a kter\u00e9 n\u00e1s tak\u00e9 nezruinuj\u00ed. A to jsou v mnoha p\u0159\u00edpadech pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ky. Ty dostaneme za nemovitou z\u00e1ruku hned a v\u00fdhodn\u011b, a m\u00e1me klid.                                                                                                                                                                                                                                                                                                                                                                                                  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