[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aprax.cz\/financni-tisen-neni-tragedie\/#Article","mainEntityOfPage":"https:\/\/www.aprax.cz\/financni-tisen-neni-tragedie\/","headline":"Finan\u010dn\u00ed t\u00edse\u0148 nen\u00ed trag\u00e9die","name":"Finan\u010dn\u00ed t\u00edse\u0148 nen\u00ed trag\u00e9die","description":"O tom, k \u010demu my lid\u00e9 pot\u0159ebujeme finan\u010dn\u00ed prost\u0159edky, se tu rozepisovat nebudu. To p\u0159ece u\u017e d\u00e1vno v\u0161ichni v\u00edme a bylo by to tedy no\u0161en\u00edm onoho zn\u00e1m\u00e9ho d\u0159\u00edv\u00ed do lesa. A zrovna tak tu ur\u010dit\u011b nemus\u00edm nikoho p\u0159esv\u011bd\u010dovat o tom, \u017ee existuj\u00ed i situace, kdy navzdory on\u00e9 pot\u0159eb\u011b pen\u011bz kdekdo tyto k dispozici nem\u00e1. Skute\u010dnost […]","datePublished":"2021-08-29","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.aprax.cz\/author\/#Person","name":"","url":"https:\/\/www.aprax.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f5ad5dcd5c02ecc0fdaf1fe4b2e9a39ad5c5cc2b614885090f6f77b1ccabb3a9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f5ad5dcd5c02ecc0fdaf1fe4b2e9a39ad5c5cc2b614885090f6f77b1ccabb3a9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aprax.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aprax.cz\/wp-content\/uploads\/jeden%20real.jpg","url":"https:\/\/www.aprax.cz\/wp-content\/uploads\/jeden%20real.jpg","height":0,"width":0},"url":"https:\/\/www.aprax.cz\/financni-tisen-neni-tragedie\/","about":["Pen\u00edze"],"wordCount":438,"articleBody":"   O tom, k \u010demu my lid\u00e9 pot\u0159ebujeme finan\u010dn\u00ed prost\u0159edky, se tu rozepisovat nebudu. To p\u0159ece u\u017e d\u00e1vno v\u0161ichni v\u00edme a bylo by to tedy no\u0161en\u00edm onoho zn\u00e1m\u00e9ho d\u0159\u00edv\u00ed do lesa. A zrovna tak tu ur\u010dit\u011b nemus\u00edm nikoho p\u0159esv\u011bd\u010dovat o tom, \u017ee existuj\u00ed i situace, kdy navzdory on\u00e9 pot\u0159eb\u011b pen\u011bz kdekdo tyto k dispozici nem\u00e1.Skute\u010dnost je prost\u011b takov\u00e1, \u017ee se nejednou navzdory pot\u0159eb\u011b m\u00edt pen\u00edze pot\u00fdk\u00e1me naopak s jejich t\u0159eba i skute\u010dn\u011b citeln\u00fdm nedostatkem. N\u011bkdy se n\u00e1m neda\u0159\u00ed je vyd\u011blat, n\u011bkdy mus\u00edme klidn\u011b i naprosto nepl\u00e1novan\u011b platit v\u00edc, ne\u017e je pro n\u00e1s zvladateln\u00e9, a pak jsme r\u00e1zem v nep\u0159\u00edjemn\u00e9 situaci.A jak se s takov\u00fdm probl\u00e9mem, jak\u00fdm je nedostatek finan\u010dn\u00edch prost\u0159edk\u016f, vypo\u0159\u00e1dat? Jak to zaona\u010dit, abychom m\u011bli aspo\u0148 relativn\u00ed dostatek pen\u011bz i tehdy, kdy se rozhodn\u011b o dostatku mluvit ned\u00e1?Kdy\u017e sel\u017eou v\u0161echny norm\u00e1ln\u00ed mo\u017enosti \u0159e\u0161en\u00ed, jako jsou vyd\u011bl\u00e1n\u00ed si nebo vyu\u017eit\u00ed vlastn\u00edch \u00faspor, nen\u00ed nejednou vyhnut\u00ed a mus\u00edme se pokusit z\u00edskat aspo\u0148 n\u011bjakou p\u016fj\u010dku.A jak se takov\u00e1 p\u016fj\u010dka z\u00edsk\u00e1v\u00e1? N\u011bkdy vcelku snadno, n\u011bkdy ale i p\u0159esn\u011b naopak. To z\u00e1le\u017e\u00ed na tom, kolik pen\u011bz bychom pot\u0159ebovali p\u016fj\u010dit a jak\u00e9 dok\u00e1\u017eeme v na\u0161\u00ed situaci nab\u00eddnout z\u00e1ruky spl\u00e1cen\u00ed. A ur\u010dit\u011b tu sehr\u00e1v\u00e1 svou roli i to, na koho se se \u017e\u00e1dost\u00ed o p\u016fj\u010dku obr\u00e1t\u00edme, kterou z finan\u010dn\u00edch instituc\u00ed oslov\u00edme a o jakou p\u016fj\u010dku si tu za\u017e\u00e1d\u00e1me.Kdy\u017e se t\u0159eba obr\u00e1t\u00edme na nebankovn\u00ed spole\u010dnost a objektem na\u0161eho z\u00e1jmu je zde nab\u00edzen\u00e1 americk\u00e1 hypot\u00e9ka, m\u016f\u017eeme po\u010d\u00edtat s t\u00edm, \u017ee s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed usp\u011bjeme, pokud m\u00e1me aspo\u0148 n\u011bjak\u00e9 p\u0159\u00edjmy a pokud vlastn\u00edme nemovitost, kterou bychom za takovou hypot\u00e9ku mohli d\u00e1t do z\u00e1stavy.Ano, i d\u00edky takov\u00e9mu minimu spln\u011bn\u00fdch podm\u00ednek m\u016f\u017eeme z\u00edskat pen\u00edze, je\u017e se n\u00e1m nedost\u00e1vaj\u00ed, a to klidn\u011b i ve velk\u00e9m mno\u017estv\u00ed a za v\u0161estrann\u011b v\u00fdhodn\u00fdch podm\u00ednek, jako jsou optim\u00e1ln\u00ed spl\u00e1tky a d\u00e9lka spl\u00e1cen\u00ed \u010di v\u00fd\u0161e \u00farok\u016f.A proto nen\u00ed nedostatek pen\u011bz \u017e\u00e1dn\u00e1 trag\u00e9die.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed t\u00edse\u0148 nen\u00ed trag\u00e9die","item":"https:\/\/www.aprax.cz\/financni-tisen-neni-tragedie\/#breadcrumbitem"}]}]