[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.realfa.cz\/pujcka-muze-pomahat\/#Article","mainEntityOfPage":"https:\/\/www.realfa.cz\/pujcka-muze-pomahat\/","headline":"P\u016fj\u010dka m\u016f\u017ee pom\u00e1hat","name":"P\u016fj\u010dka m\u016f\u017ee pom\u00e1hat","description":"Lid\u00e9 co chv\u00edli za n\u011bco utr\u00e1cej\u00ed. Proto\u017ee to cht\u011bj\u00ed m\u00edt, nebo to i p\u0159\u00edmo pot\u0159ebuj\u00ed. Ale utr\u00e1cej\u00ed za to pochopiteln\u011b jenom tehdy, kdy\u017e na to maj\u00ed pen\u00edze. To d\u00e1 rozum. Ale co tito d\u011blaj\u00ed v situaci, kdy by utr\u00e1cet cht\u011bli, ale pen\u00edze u\u017e na to nemaj\u00ed? I odpov\u011b\u010f na tuto ot\u00e1zku zn\u00e1me. Bu\u010f si to, na co se pen\u011bz nedost\u00e1v\u00e1, odp\u00edraj\u00ed, nebo si na to vezmou p\u016fj\u010dku. To, \u017ee se...","datePublished":"2021-05-22","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.realfa.cz\/author\/#Person","name":"","url":"https:\/\/www.realfa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"realfa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.realfa.cz\/wp-content\/uploads\/srolovan%C3%A9%20bankovky_5.jpg","url":"https:\/\/www.realfa.cz\/wp-content\/uploads\/srolovan%C3%A9%20bankovky_5.jpg","height":0,"width":0},"url":"https:\/\/www.realfa.cz\/pujcka-muze-pomahat\/","about":["Finance"],"wordCount":436,"articleBody":"    Lid\u00e9 co chv\u00edli za n\u011bco utr\u00e1cej\u00ed. Proto\u017ee to cht\u011bj\u00ed m\u00edt, nebo to i p\u0159\u00edmo pot\u0159ebuj\u00ed. Ale utr\u00e1cej\u00ed za to pochopiteln\u011b jenom tehdy, kdy\u017e na to maj\u00ed pen\u00edze. To d\u00e1 rozum. Ale co tito d\u011blaj\u00ed v situaci, kdy by utr\u00e1cet cht\u011bli, ale pen\u00edze u\u017e na to nemaj\u00ed? I odpov\u011b\u010f na tuto ot\u00e1zku zn\u00e1me. Bu\u010f si to, na co se pen\u011bz nedost\u00e1v\u00e1, odp\u00edraj\u00ed, nebo si na to vezmou p\u016fj\u010dku. To, \u017ee se lid\u00e9 zadlu\u017euj\u00ed formou p\u016fj\u010dky, nen\u00ed nic neobvykl\u00e9ho. Tak to u n\u00e1s chod\u00ed a u\u017e d\u00e1vno se nad t\u00edm v\u016fbec nikdo ani nepozastavuje. V\u017edy\u0165 co je na tom? \u017dadatel dostane od finan\u010dn\u00ed instituce pen\u00edze, kter\u00e9 pot\u0159ebuje, t\u011bmi plat\u00ed podobn\u011b jako pen\u011bzi vlastn\u00edmi, a jedin\u00e1 jist\u00e1 nep\u0159\u00edjemnost tu spo\u010d\u00edv\u00e1 v tom, \u017ee se takto p\u016fj\u010den\u00e9 pen\u00edze pozd\u011bji i s \u00faroky nebo poplatky vracej\u00ed tomu, kdo je poskytl.  Ov\u0161em ne v\u017edy je lidem dop\u0159\u00e1no vz\u00edt si moment\u00e1ln\u011b pot\u0159ebnou p\u016fj\u010dku. Jakmile tito nejsou bonitn\u00ed, tedy nespl\u0148uj\u00ed to, co od nich poskytovatel\u00e9 p\u016fj\u010dek o\u010dek\u00e1vaj\u00ed ve snaze nab\u00fdt p\u0159esv\u011bd\u010den\u00ed, \u017ee bude v\u0161e p\u016fj\u010den\u00e9 \u0159\u00e1dn\u011b vr\u00e1ceno, \u017e\u00e1dost se zam\u00edt\u00e1 a je po nad\u011bj\u00edch na z\u00edsk\u00e1n\u00ed dodate\u010dn\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f. I kdy\u017e nen\u00ed vlastn\u011b st\u00e1le je\u0161t\u011b v\u0161echno ztraceno. Proto\u017ee u n\u00e1s existuj\u00ed i konkuren\u010dn\u00ed nab\u00eddky. Nem\u00e1me tu jenom banky, m\u00e1me tu i nebankovn\u00ed spole\u010dnosti. A v takov\u00e9 nebankovn\u00ed spole\u010dnosti se nab\u00edz\u00ed t\u0159eba i hypot\u00e9ka po insolvenci, na ni\u017e dos\u00e1hnou i dost nedokonal\u00ed \u017eadatel\u00e9.  M\u00e1-li \u010dlov\u011bk pom\u011brn\u011b n\u00edzk\u00e9 p\u0159\u00edjmy, z\u00e1znam v registrech dlu\u017en\u00edk\u016f, exekuci na krku \u010di n\u011bjak\u00fd podobn\u00fd nedostatek, v bance z\u0159ejm\u011b neusp\u011bje, ale tady, u nebankovn\u00ed hypot\u00e9ky, ano. Samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee m\u00e1 z \u010deho spl\u00e1cet a \u017ee vlastn\u00ed i nemovitost, kter\u00e1 by se dala d\u00e1t nebankovn\u00ed spole\u010dnosti coby z\u00e1ruka spl\u00e1cen\u00ed do z\u00e1stavy. Ten, kdo vyhovuje aspo\u0148 v tomto, se nemus\u00ed ni\u010deho ob\u00e1vat a m\u016f\u017ee si o podobnou nebankovn\u00ed pomoc za\u017e\u00e1dat. A t\u0159eba pr\u00e1v\u011b zde dostane za v\u00fdhodn\u00fdch podm\u00ednek i hodn\u011b velk\u00e9 pen\u00edze, je\u017e moment\u00e1ln\u011b pot\u0159ebuje a jich\u017e se mu nedost\u00e1v\u00e1.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka m\u016f\u017ee pom\u00e1hat","item":"https:\/\/www.realfa.cz\/pujcka-muze-pomahat\/#breadcrumbitem"}]}]