[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.torfin.cz\/jak-mit-zase-po-starostech\/#Article","mainEntityOfPage":"https:\/\/www.torfin.cz\/jak-mit-zase-po-starostech\/","headline":"Jak m\u00edt zase po starostech?","name":"Jak m\u00edt zase po starostech?","description":"Dokud m\u00e1 \u010dlov\u011bk dost pen\u011bz na to, aby jimi financoval v\u0161echny sv\u00e9 \u017eivotn\u00ed pot\u0159eby, p\u0159inejmen\u0161\u00edm ty z\u00e1kladn\u00ed a nezbytn\u00e9, je to dobr\u00e9. Takov\u00e9mu \u010dlov\u011bku v","datePublished":"2021-07-23","dateModified":"2023-06-01","author":{"@type":"Person","@id":"https:\/\/www.torfin.cz\/author\/#Person","name":"","url":"https:\/\/www.torfin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"torfin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.torfin.cz\/wp-content\/uploads\/franky%20a%20centy.jpg","url":"https:\/\/www.torfin.cz\/wp-content\/uploads\/franky%20a%20centy.jpg","height":0,"width":0},"url":"https:\/\/www.torfin.cz\/jak-mit-zase-po-starostech\/","about":["Pen\u00edze"],"wordCount":430,"articleBody":"     Dokud m\u00e1 \u010dlov\u011bk dost pen\u011bz na to, aby jimi financoval v\u0161echny sv\u00e9 \u017eivotn\u00ed pot\u0159eby, p\u0159inejmen\u0161\u00edm ty z\u00e1kladn\u00ed a nezbytn\u00e9, je to dobr\u00e9. Takov\u00e9mu \u010dlov\u011bku v podstat\u011b nesch\u00e1z\u00ed nic, bez \u010deho by se nedok\u00e1zal obej\u00edt, a to je d\u016fvod ke spokojenosti.Jen\u017ee nic nemus\u00ed trvat v\u011b\u010dn\u011b, a to plat\u00ed i pro dostatek finan\u010dn\u00edch prost\u0159edk\u016f. I ty zkr\u00e1tka mohou n\u011bkdy n\u011bkomu za\u010d\u00edt chyb\u011bt. T\u0159eba si dost nevyd\u011bl\u00e1, t\u0159eba mus\u00ed zaplatit v\u00edc, ne\u017e kolik si se sv\u00fdmi p\u0159\u00edjmy m\u016f\u017ee dovolit, a r\u00e1zem tak vznik\u00e1 nepom\u011br mezi jeho p\u0159\u00edjmy a v\u00fddaji, kter\u00fd nen\u00ed rozhodn\u011b pot\u011b\u0161uj\u00edc\u00ed. Zejm\u00e9na tehdy, kdy\u017e takov\u00fd \u010dlov\u011bk i nad\u00e1le dost\u00e1v\u00e1 \u00fa\u010dty, kter\u00e9 se mus\u00ed st\u016fj co st\u016fj zaplatit, kdy\u017e se hl\u00e1s\u00ed v\u011b\u0159itel\u00e9, se kter\u00fdmi se ned\u00e1 dohodnout na posunu plateb na pozd\u011bji.A co si m\u00e1 na\u0161inec po\u010d\u00edt, kdy\u017e by sice t\u0159eba i r\u00e1d zaplatil, jen\u017ee u\u017e nem\u00e1 \u010d\u00edm? V takov\u00e9 chv\u00edli se za\u010d\u00edn\u00e1 \u010dasto uva\u017eovat o n\u011bjak\u00e9 p\u016fj\u010dce. A pokud se o takovou pomoc zaj\u00edm\u00e1 n\u011bkdo skute\u010dn\u011b zodpov\u011bdn\u011b, nelze mu vlastn\u011b nic vytknout. Proto\u017ee vz\u00edt si p\u016fj\u010dku a tou zaplatit za nezbytnosti, za kter\u00e9 se platit mus\u00ed, je ur\u010dit\u011b lep\u0161\u00ed ne\u017e neplatit.Ov\u0161em p\u016fj\u010dka pom\u016f\u017ee jedin\u011b tehdy, kdy\u017e na ni \u010dlov\u011bk dos\u00e1hne a kdy\u017e je tato dost v\u00fdhodn\u00e1 a zvl\u00e1dnuteln\u00e1. A to se rozhodn\u011b ned\u00e1 \u0159\u00edci o v\u0161ech u n\u00e1s se nab\u00edzej\u00edc\u00edch p\u016fj\u010dk\u00e1ch. A proto z\u0159ejm\u011b neprohloup\u00ed ti, jejich\u017e volba padne na nebankovn\u00ed hypot\u00e9ky. Pr\u00e1v\u011b to jsou toti\u017e p\u016fj\u010dky, kter\u00e9 m\u00e1 nad\u011bji z\u00edskat i \u017eadatel, kter\u00fd nen\u00ed z pohledu bank bonitn\u00ed. U t\u011bchto nebankovn\u00edch hypot\u00e9k toti\u017e nehraj\u00ed rozhoduj\u00edc\u00ed roli p\u0159\u00edjmy \u017eadatel\u016f a jejich registry dlu\u017en\u00edk\u016f, ale schopnost spl\u00e1cet a mo\u017enost zaru\u010dit se za spl\u00e1cen\u00ed z\u00e1stavou nemovitosti.A proto se ti, kdo maj\u00ed probl\u00e9my a z\u00e1rove\u0148 vlastn\u00ed n\u011bjakou tu nemovitost, obracej\u00ed zpravidla pr\u00e1v\u011b sem, na nebankovn\u00ed spole\u010dnost. Proto\u017ee tady lehce usp\u011bj\u00ed a zm\u00edn\u011bnou hypot\u00e9ku dostanou. A to klidn\u011b a\u017e ve v\u00fd\u0161i sedmdes\u00e1ti procent odhadn\u00ed ceny zastaven\u00e9 nemovitosti a s mo\u017enost\u00ed spl\u00e1cet po dlouh\u00e1 desetilet\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak m\u00edt zase po starostech?","item":"https:\/\/www.torfin.cz\/jak-mit-zase-po-starostech\/#breadcrumbitem"}]}]