[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/montep.cz\/casto-pomuze-jen-pujcka\/#Article","mainEntityOfPage":"https:\/\/montep.cz\/casto-pomuze-jen-pujcka\/","headline":"\u010casto pom\u016f\u017ee jen p\u016fj\u010dka","name":"\u010casto pom\u016f\u017ee jen p\u016fj\u010dka","description":"N\u011bkdy k n\u00e1m nen\u00ed osud v\u016fbec milosrdn\u00fd. A to se m\u016f\u017ee projevit t\u0159eba i t\u00edm, \u017ee n\u00e1m za\u010dnou doch\u00e1zet na\u0161e pen\u00edze. Dosp\u011bjeme do situace, kdy jich m\u00e1me t\u0159eba m\u00e1lo a t\u0159eba u\u017e tak\u00e9 nem\u00e1me \u017e\u00e1dn\u00e9. A to znamen\u00e1 jedin\u011b nep\u0159\u00edjemnosti, jak mi jist\u011b potvrd\u00edte. Proto\u017ee co n\u00e1m sch\u00e1z\u00ed, kdy\u017e nem\u00e1me pen\u00edze? P\u0159ece to, co bychom si m\u011bli koupit, ale co … ","datePublished":"2026-03-02","dateModified":"2026-03-02","author":{"@type":"Person","@id":"https:\/\/montep.cz\/author\/#Person","name":"","url":"https:\/\/montep.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"montep.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/montep.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp.jpg","url":"https:\/\/montep.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp.jpg","height":0,"width":0},"url":"https:\/\/montep.cz\/casto-pomuze-jen-pujcka\/","about":["Pen\u00edze"],"wordCount":431,"articleBody":"      N\u011bkdy k n\u00e1m nen\u00ed osud v\u016fbec milosrdn\u00fd. A to se m\u016f\u017ee projevit t\u0159eba i t\u00edm, \u017ee n\u00e1m za\u010dnou doch\u00e1zet na\u0161e pen\u00edze. Dosp\u011bjeme do situace, kdy jich m\u00e1me t\u0159eba m\u00e1lo a t\u0159eba u\u017e tak\u00e9 nem\u00e1me \u017e\u00e1dn\u00e9. A to znamen\u00e1 jedin\u011b nep\u0159\u00edjemnosti, jak mi jist\u011b potvrd\u00edte. Proto\u017ee co n\u00e1m sch\u00e1z\u00ed, kdy\u017e nem\u00e1me pen\u00edze? P\u0159ece to, co bychom si m\u011bli koupit, ale co u\u017e si nem\u016f\u017eeme dovolit. A kdy\u017e se u n\u00e1s nav\u00edc je\u0161t\u011b vr\u0161\u00ed nezaplacen\u00e9 \u00fa\u010dty, jsme nav\u00edc pron\u00e1sledov\u00e1ni na\u0161imi v\u011b\u0159iteli, a to je tak\u00e9 velice nep\u0159\u00edjemn\u00e9, zejm\u00e9na pokud p\u0159ich\u00e1zej\u00ed upom\u00ednky a nakonec i finan\u010dn\u00ed postihy.Tak to prost\u011b je. Nedostatek pen\u011bz nen\u00ed a nem\u016f\u017ee b\u00fdt p\u0159\u00edjemn\u00fd. A proto mus\u00edme ud\u011blat v\u0161e, co je v na\u0161ich sil\u00e1ch, abychom se z podobn\u00e9 situace dostali. A jak se z n\u00ed m\u016f\u017eeme dostat? Velmi \u010dasto je jedin\u00e9 \u0159e\u0161en\u00ed. A t\u00edm je p\u016fj\u010dka. M\u016f\u017eeme prost\u011b v n\u011bjak\u00e9m finan\u010dn\u00edm \u00fastavu po\u017e\u00e1dat o p\u016fj\u010dku, a kdy\u017e m\u00e1me \u0161t\u011bst\u00ed, dostaneme tam n\u011bjakou dost v\u00fdhodnou nab\u00eddku, kter\u00e1 n\u00e1m pom\u016f\u017ee p\u0159eklenout obdob\u00ed nedostatku. Ale takov\u00e9 \u0161t\u011bst\u00ed \u010dasto nem\u00e1me. Tou\u017e\u00edme po p\u016fj\u010dce, ale hodn\u011b \u010dasto se do\u010dk\u00e1me jenom odm\u00edtnut\u00ed. Bank\u00e1m se nemus\u00ed l\u00edbit na\u0161e nedostate\u010dn\u00e9 p\u0159\u00edjmy, vadit jim mohou z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, a ne\u017e aby tyto riskovaly, \u017ee jim nebudeme schopni pen\u00edze vr\u00e1tit, rad\u011bji n\u00e1m je ani nep\u016fj\u010d\u00ed. A jsme tedy tam, kde jsme byli.A co potom? Potom n\u00e1m zb\u00fdv\u00e1 obvykle jenom jedna mo\u017enost. Po\u017e\u00e1dat o nebankovn\u00ed hypot\u00e9ku. Proto\u017ee m\u00e1me-li nemovit\u00fd majetek a m\u016f\u017eeme j\u00edm ru\u010dit za spl\u00e1cen\u00ed, je pr\u00e1v\u011b toto p\u016fj\u010dka, kterou dostaneme. Proto\u017ee je nemovitost jako z\u00e1ruka spl\u00e1cen\u00ed dostate\u010dn\u00e1 i u docela nedokonal\u00fdch \u017eadatel\u016f. Ka\u017ed\u00fd bude rad\u011bji spl\u00e1cet, ne\u017e aby o onu z\u00e1stavu p\u0159i\u0161el. A tak si spousta lid\u00ed bere v nouzi pr\u00e1v\u011b tuto p\u016fj\u010dku od nebankovn\u00ed spole\u010dnosti. A proto\u017ee akceptuje takov\u00e1 nebankovn\u00ed hypot\u00e9ka dru\u017estevn\u00ed byt https:\/\/nebankovnihypoteka.cz\/hypoteka-na-druzstevni-byt\/, nab\u00edz\u00ed se i lidem, kter\u00fdm by jinak nikdo pen\u00edze nep\u016fj\u010dil.  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010casto pom\u016f\u017ee jen p\u016fj\u010dka","item":"https:\/\/montep.cz\/casto-pomuze-jen-pujcka\/#breadcrumbitem"}]}]