[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gratia.cz\/pujcka-kdysi-a-dnes\/#Article","mainEntityOfPage":"https:\/\/www.gratia.cz\/pujcka-kdysi-a-dnes\/","headline":"P\u016fj\u010dka kdysi a dnes","name":"P\u016fj\u010dka kdysi a dnes","description":"Po\u010det ru\u010ditel\u016f se odv\u00edjel od v\u00fd\u0161e zap\u016fj\u010den\u00e9 \u010d\u00e1stky, ale tak\u00e9 od v\u00fd\u0161e p\u0159\u00edjmu \u017eadatele. Byl-li mal\u00fd, \u017ee by eventu\u00e1ln\u011b nepokryl celou \u010d\u00e1stku vypo\u010d\u00edtanou spo\u0159itelnou, byli t\u0159eba i dva ru\u010ditel\u00e9, n\u011bkdy i t\u0159i. Sou\u010det jejich posti\u017eiteln\u00e9 mzdy pak musel d\u00e1t dohromady sumu, kterou by m\u011bli platit oni, tedy v p\u0159\u00edpad\u011b, \u017ee dlu\u017en\u00edk nebyl schopen sv\u00e9mu z\u00e1vazku … ","datePublished":"2020-06-22","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\/Sm%C4%9Bs%20pen%C4%9Bz.jpg","url":"https:\/\/www.gratia.cz\/wp-content\/uploads\/Sm%C4%9Bs%20pen%C4%9Bz.jpg","height":0,"width":0},"url":"https:\/\/www.gratia.cz\/pujcka-kdysi-a-dnes\/","about":["Ekonomika"],"wordCount":441,"articleBody":"   Po\u010det ru\u010ditel\u016f se odv\u00edjel od v\u00fd\u0161e zap\u016fj\u010den\u00e9 \u010d\u00e1stky, ale tak\u00e9 od v\u00fd\u0161e p\u0159\u00edjmu \u017eadatele. Byl-li mal\u00fd, \u017ee by eventu\u00e1ln\u011b nepokryl celou \u010d\u00e1stku vypo\u010d\u00edtanou spo\u0159itelnou, byli t\u0159eba i dva ru\u010ditel\u00e9, n\u011bkdy i t\u0159i. Sou\u010det jejich posti\u017eiteln\u00e9 mzdy pak musel d\u00e1t dohromady sumu, kterou by m\u011bli platit oni, tedy v p\u0159\u00edpad\u011b, \u017ee dlu\u017en\u00edk nebyl schopen sv\u00e9mu z\u00e1vazku dost\u00e1t. Tak se banka kryla a v podstat\u011b m\u011bla nulov\u00e9 ztr\u00e1ty. Nav\u00edc p\u0159\u00edpadn\u00fd soud dok\u00e1zal v\u011bt\u0161inou dluh vymoci. Krom ru\u010ditel\u016f bylo tedy nutno dolo\u017eit i doklad o v\u00fd\u0161i p\u0159\u00edjm\u016f. Tedy nejen \u017eadatel, ale ka\u017ed\u00fd ru\u010ditel zvl\u00e1\u0161\u0165. Co\u017e bylo jist\u011b hlavn\u011b pro n\u011b, kte\u0159\u00ed nic necht\u011bli, velmi stresuj\u00edc\u00ed. Proto vznikaly dohody, ty mn\u011b j\u00e1 tob\u011b, a v\u011bt\u0161inou to v\u0161e kon\u010dilo \u0161patn\u011b. Ne tedy jen t\u00edm, \u017ee byla p\u016fj\u010dka zam\u00edtnuta z r\u016fzn\u00fdch jin\u00fdch d\u016fvod\u016f, ale n\u011bkdy tak\u00e9 t\u00edm, \u017ee se kamar\u00e1di poh\u00e1dali a u\u017e spolu nikdy nepromluvili. Tyto v\u011bci dnes naprosto odpadaj\u00ed, tedy jak kde a jak kdy. Z\u00e1le\u017e\u00ed to hodn\u011b na tom, jak kter\u00e1 banka \u010di instituce k p\u016fj\u010dce p\u0159istupuje a jak moc o klienta stoj\u00ed. Bohu\u017eel velk\u00e1 v\u011bt\u0161ina, pokud nem\u00e1te adekv\u00e1tn\u00ed p\u0159\u00edjem a z\u00e1stup ru\u010ditel\u016f, v\u00e1m d\u00e1 jasn\u011b najevo, \u017ee v\u00e1s nen\u00ed o co o\u0161kubat, a tak nem\u00e1te \u0161anci. Ne v\u0161echno je v\u0161ak tak \u0161patn\u00e9, a ne v\u0161ichni postupuj\u00ed stejn\u011b. Jsou zde tak\u00e9 firmy, kter\u00e9 se sna\u017e\u00ed naopak klient\u016fm vyj\u00edt vst\u0159\u00edc, t\u0159eba\u017ee jejich p\u0159\u00edjmy nejsou n\u011bkde v horn\u00edch p\u0159\u00ed\u010dk\u00e1ch \u017eeb\u0159\u00ed\u010dku v\u00fdplat. Proto existuje n\u011bco, co naz\u00fdv\u00e1me hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. Pozor, nemyslete si, \u017ee je to hypot\u00e9ka pro ka\u017ed\u00e9ho bezdomovce a toho co je l\u00edn\u00fd pracovat. To rozhodn\u011b ne. Pokud nem\u00e1 \u017eadatel \u017e\u00e1dn\u00fd p\u0159\u00edjem, ani se \u010d\u00edm zaru\u010dit, nikdo mu nikdy a nikde na tomto sv\u011bt\u011b nep\u016fj\u010d\u00ed. To by u\u017e ani nebyla p\u016fj\u010dka, ale dar. A nikdo takov\u00fd asi neexistuje. V\u00fd\u0161e zm\u00edn\u011bnou hypot\u00e9ku m\u016f\u017eete klidn\u011b z\u00edskat i vy, sta\u010d\u00ed se jen s firmou kontaktovat. B\u011bhem dne v\u00e1m zavol\u00e1 jejich pracovn\u00edk a vylo\u017e\u00ed v\u00e1m jejich podm\u00ednky. Pokud je spln\u00edte, m\u00e1te pen\u00edze do jednoho dne od podpisu smlouvy.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka kdysi a dnes","item":"https:\/\/www.gratia.cz\/pujcka-kdysi-a-dnes\/#breadcrumbitem"}]}]