[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ywca.cz\/i-pujcka-se-nam-hodi\/#Article","mainEntityOfPage":"https:\/\/www.ywca.cz\/i-pujcka-se-nam-hodi\/","headline":"I p\u016fj\u010dka se n\u00e1m hod\u00ed","name":"I p\u016fj\u010dka se n\u00e1m hod\u00ed","description":"Ka\u017ed\u00fd \u010dlov\u011bk chce \u017e\u00edt. A tak ka\u017ed\u00fd tak\u00e9 pot\u0159ebuje pen\u00edze. Proto\u017ee bez t\u011bch by se snad dalo n\u011bjak p\u0159e\u017e\u00edvat, i kdy\u017e mo\u017en\u00e1 ani to ne, ale rozhodn\u011b by to nebyl \u017eivot, po jak\u00e9m my lid\u00e9 tou\u017e\u00edme. Dnes a denn\u011b tedy chod\u00edme do pr\u00e1ce, abychom na sv\u00e9 \u017eivobyt\u00ed pokud mo\u017eno m\u011bli. Ale kdy\u017e pak sv\u00e9 p\u0159\u00edjmy...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.ywca.cz\/i-pujcka-se-nam-hodi\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;I p\u016fj\u010dka se n\u00e1m hod\u00ed&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2024-04-13","dateModified":"2024-04-13","author":{"@type":"Person","@id":"https:\/\/www.ywca.cz\/author\/#Person","name":"","url":"https:\/\/www.ywca.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/774cfd57496a9f02284489749b4229073861faca9d8a66df7d65507a77c5d31f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/774cfd57496a9f02284489749b4229073861faca9d8a66df7d65507a77c5d31f?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ywca.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ywca.cz\/wp-content\/uploads\/art495540_3x2_20261006_003043_cFyAnT.jpg","url":"https:\/\/www.ywca.cz\/wp-content\/uploads\/art495540_3x2_20261006_003043_cFyAnT.jpg","height":0,"width":0},"url":"https:\/\/www.ywca.cz\/i-pujcka-se-nam-hodi\/","about":["Pen\u00edze"],"wordCount":437,"articleBody":"       Ka\u017ed\u00fd \u010dlov\u011bk chce \u017e\u00edt. A tak ka\u017ed\u00fd tak\u00e9 pot\u0159ebuje pen\u00edze. Proto\u017ee bez t\u011bch by se snad dalo n\u011bjak p\u0159e\u017e\u00edvat, i kdy\u017e mo\u017en\u00e1 ani to ne, ale rozhodn\u011b by to nebyl \u017eivot, po jak\u00e9m my lid\u00e9 tou\u017e\u00edme. Dnes a denn\u011b tedy chod\u00edme do pr\u00e1ce, abychom na sv\u00e9 \u017eivobyt\u00ed pokud mo\u017eno m\u011bli. Ale kdy\u017e pak sv\u00e9 p\u0159\u00edjmy spo\u010d\u00edt\u00e1me a ode\u010dteme od nich sv\u00e9 \u017eivotn\u00ed n\u00e1klady, zjist\u00edme, \u017ee na tom nejsme t\u0159eba ani trochu dob\u0159e. Na to, co bychom cht\u011bli m\u00edt, podle sv\u00e9ho zji\u0161t\u011bn\u00ed pen\u00edze nem\u00e1me. A tak se v takov\u00fdch v\u00fddaj\u00edch \u0161krt\u00e1 to, co lze moment\u00e1ln\u011b postr\u00e1dat. Aby zbylo dost aspo\u0148 na to podstatn\u00e9. Ale ani na to nejd\u016fle\u017eit\u011bj\u0161\u00ed n\u00e1m nakonec nemus\u00ed zb\u00fdt dost. A co ti, kte\u0159\u00ed zjist\u00ed, \u017ee ze sv\u00e9 v\u00fdplaty budou do dal\u0161\u00edho v\u00fdplatn\u00edho term\u00ednu spokojen\u011b \u017e\u00edt? U t\u011bch to sice vypad\u00e1 nad\u011bjn\u011b, ale jeden nikdy nev\u00ed. Mohli n\u011bjak\u00fd nezbytn\u00fd v\u00fddaj opomenout, m\u016f\u017ee se objevit i n\u011bjak\u00e1 ne\u010dekan\u00e1 pot\u0159eba platit, a pak se i takov\u00ed lid\u00e9 lehce dostanou do finan\u010dn\u00ed t\u00edsn\u011b. A co se d\u011bl\u00e1, kdy\u017e lid\u00e9 nevyhnuteln\u011b pot\u0159ebuj\u00ed pen\u00edze, ale nemaj\u00ed jich tolik, kolik by jich m\u011bli m\u00edt? Pokud ani skromn\u011bj\u0161\u00ed \u017eivot nesta\u010d\u00ed k n\u00e1prav\u011b, je t\u0159eba zva\u017eovat i mo\u017enost vz\u00edt si p\u016fj\u010dku. Ale nad t\u00edm u\u017e by se skute\u010dn\u011b m\u011blo p\u0159em\u00fd\u0161let. Proto\u017ee p\u016fj\u010dka sice nab\u00edz\u00ed pen\u00edze, ale ty se mus\u00ed pozd\u011bji vr\u00e1tit. A ten, kdo si p\u016fj\u010duje, by si m\u011bl vybrat takovou nab\u00eddku, kterou zvl\u00e1dne. A proto\u017ee jsou lid\u00e9 n\u011bkdy nekriti\u010dt\u00ed \u010di p\u0159ehnan\u011b optimisti\u010dt\u00ed, jsou tu i poskytovatel\u00e9 p\u016fj\u010dek, kte\u0159\u00ed si ov\u011b\u0159uj\u00ed, nakolik jsou \u017eadatel\u00e9 o p\u016fj\u010dky nad\u011bjn\u00ed. A tud\u00ed\u017e se u bankovn\u00edch p\u016fj\u010dek \u017e\u00e1d\u00e1 dolo\u017een\u00ed dostate\u010dn\u00fdch p\u0159\u00edjm\u016f a nesm\u00ed chyb\u011bt ani registry dlu\u017en\u00edk\u016f bez ne\u017e\u00e1douc\u00edch z\u00e1znam\u016f, a nebankovn\u00ed hypot\u00e9ka je prov\u00e1zena nutnost\u00ed ru\u010dit za ni nemovit\u00fdm majetkem.  A tak m\u00e1 ka\u017ed\u00fd \u017eadatel zv\u00e1\u017eit, co z toho je pro n\u011bj nejen v\u00fdhodn\u00e9, ale i zvladateln\u00e9. Proto\u017ee jinak p\u016fj\u010dku t\u0159eba nedostane. A pokud ji dostane a nesplat\u00ed, bude m\u00edt probl\u00e9my.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"I p\u016fj\u010dka se n\u00e1m hod\u00ed","item":"https:\/\/www.ywca.cz\/i-pujcka-se-nam-hodi\/#breadcrumbitem"}]}]