[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gratia.cz\/bez-penez-se-zit-neda\/#Article","mainEntityOfPage":"https:\/\/www.gratia.cz\/bez-penez-se-zit-neda\/","headline":"Bez pen\u011bz se \u017e\u00edt ned\u00e1","name":"Bez pen\u011bz se \u017e\u00edt ned\u00e1","description":"\u010clov\u011bk by byl v dne\u0161n\u00ed dob\u011b bez pen\u011bz jako ryba bez vody. Kdyby tyto neexistovaly, nedalo by se obchodovat, pr\u00e1ce by pozbyla smyslu a lidstvo by bylo uvr\u017eeno kamsi zp\u011bt do prav\u011bku. Proto\u017ee by fungov\u00e1n\u00ed spole\u010dnosti v tom duchu, v jak\u00e9m ji zn\u00e1me, nebylo v\u00edce mo\u017en\u00e9. A proto pen\u00edze z\u0159ejm\u011b nezaniknou. Alespo\u0148 je\u0161t\u011b dlouhou dobu, … ","datePublished":"2020-12-25","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.gratia.cz\/author\/#Person","name":"","url":"https:\/\/www.gratia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gratia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gratia.cz\/wp-content\/uploads\/mince%20USA_3.jpg","url":"https:\/\/www.gratia.cz\/wp-content\/uploads\/mince%20USA_3.jpg","height":0,"width":0},"url":"https:\/\/www.gratia.cz\/bez-penez-se-zit-neda\/","about":["Ekonomika"],"wordCount":438,"articleBody":"   \u010clov\u011bk by byl v dne\u0161n\u00ed dob\u011b bez pen\u011bz jako ryba bez vody. Kdyby tyto neexistovaly, nedalo by se obchodovat, pr\u00e1ce by pozbyla smyslu a lidstvo by bylo uvr\u017eeno kamsi zp\u011bt do prav\u011bku. Proto\u017ee by fungov\u00e1n\u00ed spole\u010dnosti v tom duchu, v jak\u00e9m ji zn\u00e1me, nebylo v\u00edce mo\u017en\u00e9.A proto pen\u00edze z\u0159ejm\u011b nezaniknou. Alespo\u0148 je\u0161t\u011b dlouhou dobu, proto\u017ee nejsou st\u00e1le je\u0161t\u011b ani sebemen\u0161\u00ed n\u00e1znaky, \u017ee by existovala n\u011bjak\u00e1 alternativa k t\u011bmto.Jen\u017ee zat\u00edmco tu pen\u00edze jsou, byly a budou, ne v\u017edy je m\u00e1 ka\u017ed\u00fd z n\u00e1s v takov\u00e9m mno\u017estv\u00ed, v jak\u00e9m by je pot\u0159eboval. N\u011bkdy se n\u00e1m jich nepoda\u0159\u00ed dost vyd\u011blat, n\u011bkdy je jich po n\u00e1s i navzdory vysok\u00fdm v\u00fdd\u011blk\u016fm po\u017eadov\u00e1no p\u0159esp\u0159\u00edli\u0161, a tak se zkr\u00e1tka lid\u00e9 nejednou ocitnou na nule nebo dokonce v m\u00ednusu. A pokud jim tento stav v\u011bc\u00ed br\u00e1n\u00ed ve veden\u00ed norm\u00e1ln\u00edho \u017eivota, neobejde se to t\u0159eba bez n\u011bjak\u00e9 t\u00e9 p\u016fj\u010dky.Jen\u017ee \u010d\u00edm h\u016f\u0159 na tom \u010dlov\u011bk po ekonomick\u00e9 str\u00e1nce je, t\u00edm t\u011b\u017e\u0161\u00ed je pro n\u011bj v n\u011bjak\u00e9 finan\u010dn\u00ed instituci usp\u011bt. M\u016f\u017ee \u017e\u00e1dat a \u017e\u00e1dat, av\u0161ak poka\u017ed\u00e9 se stejn\u00fdm v\u00fdsledkem, tedy se zam\u00edtnut\u00edm \u017e\u00e1dosti. Kdy\u017e je na tom toti\u017e n\u011bkdo zle, nen\u00ed bonitn\u00ed a banky od n\u011bj d\u00e1vaj\u00ed ruce pry\u010d, jakmile jim tento nem\u016f\u017ee nab\u00eddnout dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy, \u010dist\u00e9 registry dlu\u017en\u00edk\u016f a dal\u0161\u00ed pozitiva.A co pak? Pak je tu je\u0161t\u011b hypot\u00e9ka po insolvenci, je\u017e pr\u00e1v\u011b takov\u00e9ho zoufal\u00e9ho a v\u0161ude odm\u00edtan\u00e9ho \u017eadatele uspokoj\u00ed, a to pln\u011b. Jist\u011b, i tady se mus\u00ed prok\u00e1zat schopnost a ochota spl\u00e1cet podle uzav\u0159en\u00e9 smlouvy, ale p\u0159esto je to tu mnohem sn\u00e1ze zvl\u00e1dnuteln\u00e9 ne\u017e leckde jinde. Tady se toti\u017e mus\u00ed \u017eadatel za p\u016fj\u010dku zaru\u010dit t\u00edm, \u017ee d\u00e1 nebankovn\u00ed spole\u010dnosti do z\u00e1stavy nemovitost. A d\u00edky tomu se mu tu neboj\u00ed sv\u011b\u0159it pen\u00edze ani tehdy, kdy\u017e je na tom \u017eadatel zle. Proto\u017ee d\u00edky t\u00e9to z\u00e1stav\u011b bude v\u0161e vr\u00e1ceno.Takov\u00e1 nebankovn\u00ed hypot\u00e9ka je tedy nad\u011bj\u00ed pro leckoho, kdo by jinak sotva n\u011bjakou finan\u010dn\u00ed pomoc z\u00edskal. A usp\u011bt tu m\u016f\u017eete t\u0159eba i vy, ocitnete-li se v \u00fazk\u00fdch.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bez pen\u011bz se \u017e\u00edt ned\u00e1","item":"https:\/\/www.gratia.cz\/bez-penez-se-zit-neda\/#breadcrumbitem"}]}]