[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spars.cz\/pujcka\/#Article","mainEntityOfPage":"https:\/\/www.spars.cz\/pujcka\/","headline":"P\u016fj\u010dka","name":"P\u016fj\u010dka","description":"Tito nadlid\u00e9 se maj\u00ed dob\u0159e kdykoli, ale tomu se v\u011bnovat nebudeme. My se pod\u00edv\u00e1me na oby\u010dejn\u00e9ho \u010dlov\u011bka. Takov\u00fd pracuje od…","datePublished":"2022-11-20","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.spars.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.spars.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spars.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spars.cz\/wp-content\/uploads\/money_safe_currency_1207855.jpg","url":"https:\/\/www.spars.cz\/wp-content\/uploads\/money_safe_currency_1207855.jpg","height":0,"width":0},"url":"https:\/\/www.spars.cz\/pujcka\/","about":["Finance"],"wordCount":443,"articleBody":"         Tito nadlid\u00e9 se maj\u00ed dob\u0159e kdykoli, ale tomu se v\u011bnovat nebudeme. My se pod\u00edv\u00e1me na oby\u010dejn\u00e9ho \u010dlov\u011bka. Takov\u00fd pracuje od r\u00e1na do noci, pokud m\u00e1 to \u0161t\u011bst\u00ed a m\u00e1 dv\u011b pr\u00e1ce. Ale ani to mu nezaru\u010duje n\u011bjak\u00fd velk\u00fd p\u0159epych. Mus\u00ed \u017eivit rodinu, a to je po\u0159\u00e1dn\u00e1 maka\u010dka. Tak\u017ee se oh\u00e1n\u00ed, jak m\u016f\u017ee a nem\u00e1 na nic \u010das. Kdy\u017e si ho chv\u00edli ud\u011bl\u00e1, tak si odpo\u010dine a je r\u00e1d, \u017ee je r\u00e1d. Jen\u017ee jednoho dne se zjist\u00ed, \u017ee do domu zat\u00e9k\u00e1. Nebo \u017ee se pokazilo auto a to tak, \u017ee nem\u00e1 smysl jej nechat opravit. Nebo se semele cokoli jin\u00e9ho, aby \u010dlov\u011bk musel vydat n\u011bjak\u00e9 ty pen\u00edze. A to v\u011bt\u0161\u00ed \u010d\u00e1stku. Co je v\u011bt\u0161\u00ed \u010d\u00e1stka nech\u00e1m na laskav\u00e9m \u010dten\u00e1\u0159i. Pro bezdomovce je to dvacetikoruna, pro jin\u00e9ho p\u011bt tis\u00edc a pro v\u00fd\u0161e jmenovanou sortu lid\u00ed milion, nebo rad\u011bji p\u011bt. Jen\u017ee \u010dlov\u011bk ty pen\u00edze pot\u0159ebuje, pr\u00e1ci m\u00e1 jen jednu, a to je\u0161t\u011b mizernou. Tak\u017ee jak to za\u0159\u00eddit, aby byla st\u0159echa zase v po\u0159\u00e1dku a aby n\u00e1m nekapalo do pol\u00edvky u ned\u011bln\u00edho ob\u011bda? Nejprve se zkus\u00ed banka, to je jasn\u00e9, kdo jin\u00fd by mohl na opravu p\u016fj\u010dit, \u017ee ano. A za\u010d\u00edn\u00e1 kolob\u011bh sh\u00e1n\u011bn\u00ed pap\u00edr\u016f, doklad\u016f, potvrzen\u00ed, povolen\u00ed a j\u00e1 nev\u00edm \u010deho je\u0161t\u011b. Jen\u017ee pak v bance \u0159eknou, \u017ee na po\u017eadovanou sumu je pot\u0159eba m\u00edt v\u011bt\u0161\u00ed p\u0159\u00edjem. Ten ze kter\u00e9ho \u017eijete vy a rodina se zd\u00e1 bance p\u0159\u00edli\u0161 mal\u00fd na to, abyste mohli spl\u00e1cet. Nu, je to v\u011bc banky, o jej\u00edm rozhodnut\u00ed se ned\u00e1 diskutovat. Tato instituce nem\u00e1 \u017e\u00e1dnou povinnost p\u016fj\u010dit komukoli. Tak\u017ee \u017eadatel usp\u011bt nemus\u00ed. Na\u0161t\u011bst\u00ed zde nen\u00ed jen banka a je zde tak\u00e9 n\u011bkdo jin\u00fd. N\u011bkdo, kdo v\u00ed, co znamen\u00e1 v\u00fdraz hypot\u00e9ka bez p\u0159\u00edjm\u016f. V\u00fdraz hypot\u00e9ka neberte n\u011bjak v\u00e1\u017en\u011b, ve skute\u010dnosti je t\u00e9to spole\u010dnosti jedno, na\u010d pen\u00edze pou\u017eijete. Vy jen pod\u00e1te \u017e\u00e1dost, to mus\u00edte, pokud n\u011bco po\u017eadujete, a nemus\u00edte si sh\u00e1n\u011bt n\u011bjak\u00e1 lejstra o tom, kolik jste si vyd\u011blali za posledn\u00ed sto pades\u00e1t let. Skute\u010dn\u011b to nen\u00ed t\u0159eba. Ostatn\u011b se o tom m\u016f\u017eete ihned p\u0159esv\u011bd\u010dit a to tak, \u017ee kliknete na modr\u00fd odkaz v\u00fd\u0161e.                                                                                                                                                                                                                                                                                                                                                                                                   "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka","item":"https:\/\/www.spars.cz\/pujcka\/#breadcrumbitem"}]}]