[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pcsa.cz\/od-koho-si-muzeme-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.pcsa.cz\/od-koho-si-muzeme-pujcit\/","headline":"Od koho si m\u016f\u017eeme p\u016fj\u010dit?","name":"Od koho si m\u016f\u017eeme p\u016fj\u010dit?","description":"Situace n\u00e1s lid\u00ed nen\u00ed nejednou nijak r\u016f\u017eov\u00e1. A k tomu, abychom m\u011bli probl\u00e9my, bohat\u011b sta\u010d\u00ed, kdy\u017e si n\u011bkdy nevyd\u011bl\u00e1me tolik … ","datePublished":"2026-02-08","dateModified":"2026-02-08","author":{"@type":"Person","@id":"https:\/\/www.pcsa.cz\/author\/#Person","name":"","url":"https:\/\/www.pcsa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pcsa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_1.jpg","url":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/ppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.pcsa.cz\/od-koho-si-muzeme-pujcit\/","about":["Ekonomika"],"wordCount":448,"articleBody":"       Situace n\u00e1s lid\u00ed nen\u00ed nejednou nijak r\u016f\u017eov\u00e1. A k tomu, abychom m\u011bli probl\u00e9my, bohat\u011b sta\u010d\u00ed, kdy\u017e si n\u011bkdy nevyd\u011bl\u00e1me tolik pen\u011bz, kolik bychom jich pot\u0159ebovali. I pouh\u00e1 finan\u010dn\u00ed t\u00edse\u0148 n\u00e1m dok\u00e1\u017ee dost znep\u0159\u00edjemnit \u017eivot. A co\u017e teprve kdy\u017e nejde jen o t\u00edse\u0148, kdy\u017e u\u017e n\u00e1m nezb\u00fdvaj\u00ed pen\u00edze t\u0159eba v\u016fbec \u017e\u00e1dn\u00e9! To je n\u011bco, co si nikdo nep\u0159eje za\u017e\u00edt. Ale navzdory tomu to docela \u010dasto za\u017e\u00edv\u00e1me. Kolikr\u00e1t jenom zji\u0161\u0165ujeme, \u017ee by bylo z\u00e1hodno za n\u011bco platit, jen\u017ee u\u017e nen\u00ed \u010d\u00edm! A kdy\u017e jsme na tom takto nevaln\u011b, mus\u00edme s t\u00edm samoz\u0159ejm\u011b n\u011bco ud\u011blat. A pokud nep\u0159ipad\u00e1 v dan\u00e9 chv\u00edli vyd\u011bl\u00e1n\u00ed si dal\u0161\u00edch pen\u011bz v \u00favahu, proto\u017ee jsme se do takov\u00e9 situace dostali pr\u00e1v\u011b proto, \u017ee jsme si nevyd\u011blali dost, mus\u00edme uva\u017eovat o n\u011bjak\u00e9m jin\u00e9m \u0159e\u0161en\u00ed. A nemus\u00edme p\u0159em\u00fd\u0161let moc dlouho, proto\u017ee dal\u0161\u00edch zp\u016fsob\u016f, jak to zvl\u00e1dnout, u\u017e moc nen\u00ed. A z\u00e1konn\u00fd je jen jeden z nich. A t\u00edm je p\u016fj\u010dka. Prost\u011b si m\u016f\u017eeme pot\u0159ebn\u00e9 pen\u00edze n\u011bkde od n\u011bkoho p\u016fj\u010dit, s t\u00edm, \u017ee mu je pozd\u011bji vr\u00e1t\u00edme. Co\u017e nen\u00ed dokonal\u00e9, ale m\u016f\u017ee n\u00e1m to skute\u010dn\u011b pomoci. Proto\u017ee i kr\u00e1tkodob\u00e9 z\u00edsk\u00e1n\u00ed pen\u011bz n\u011bkdy d\u016fle\u017eit\u00e9 je, a to i kdy\u017e se nav\u00edc prodra\u017euje o n\u011bjak\u00e9 ty \u00faroky nebo poplatky. Ale kdy\u017e za\u010dneme pot\u0159ebnou p\u016fj\u010dku sh\u00e1n\u011bt, nemus\u00edme m\u00edt zrovna moc \u0161t\u011bst\u00ed. M\u016f\u017ee se st\u00e1t, \u017ee po\u017e\u00e1d\u00e1me v bance o p\u016fj\u010dku, ale nedostaneme ji. Proto\u017ee nejsme schopni prok\u00e1zat svou schopnost spl\u00e1cet tak, jak by si to osloven\u00e1 banka p\u0159edstavovala. M\u00e1me probl\u00e9my t\u0159eba s p\u0159\u00edjmy nebo s registry dlu\u017en\u00edk\u016f, a tak odch\u00e1z\u00edme z banky s nepo\u0159\u00edzenou. A co potom? Potom to m\u016f\u017eeme zkusit i u nebankovn\u00ed spole\u010dnosti. A zkusit bychom to tu m\u011bli. Proto\u017ee m\u00e1me-li nemovitost, kterou bychom mohli ru\u010dit za vr\u00e1cen\u00ed p\u016fj\u010den\u00fdch pen\u011bz, ur\u010dit\u011b dostaneme nebankovn\u00ed hypot\u00e9ku. A zat\u00edmco bychom se t\u0159eba jin\u00e9 p\u016fj\u010dky nikdy nedo\u010dkali, americk\u00e9 hypot\u00e9ky se do\u010dk\u00e1 ka\u017ed\u00fd s nemovit\u00fdm majetkem, kter\u00fd tu lze pou\u017e\u00edt jako z\u00e1ruku. A dos\u00e1hnout rychle sv\u00e9ho.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Od koho si m\u016f\u017eeme p\u016fj\u010dit?","item":"https:\/\/www.pcsa.cz\/od-koho-si-muzeme-pujcit\/#breadcrumbitem"}]}]