[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gcma.cz\/co-kdyz-cloveku-nestaci-prijmy\/#Article","mainEntityOfPage":"https:\/\/www.gcma.cz\/co-kdyz-cloveku-nestaci-prijmy\/","headline":"Co kdy\u017e \u010dlov\u011bku nesta\u010d\u00ed p\u0159\u00edjmy?","name":"Co kdy\u017e \u010dlov\u011bku nesta\u010d\u00ed p\u0159\u00edjmy?","description":"My lid\u00e9 si pot\u0159ebujeme za v\u0161ech okolnost\u00ed vyd\u011bl\u00e1vat dost pen\u011bz. Vyd\u011bl\u00e1v\u00e1 si je tedy ka\u017ed\u00fd, kdo je toho schopen, a kdo toho schopen nen\u00ed, ten aspo\u0148 pob\u00edr\u00e1 n\u011bjakou tu formu d\u00e1vek \u010di d\u016fchod. Ale to je n\u011bkdy m\u00e1lo, to n\u011bkdy v\u016fbec nesta\u010d\u00ed k tomu, aby jeden vedl to, \u010demu se \u0159\u00edk\u00e1 d\u016fstojn\u00fd \u017eivot. A tak ... <a href=\"https:\/\/www.gcma.cz\/co-kdyz-cloveku-nestaci-prijmy\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Co kdy\u017e \u010dlov\u011bku nesta\u010d\u00ed p\u0159\u00edjmy?\"<\/span> &raquo;<\/a>","datePublished":"2023-04-26","dateModified":"2023-05-30","author":{"@type":"Person","@id":"https:\/\/www.gcma.cz\/author\/#Person","name":"","url":"https:\/\/www.gcma.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gcma.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gcma.cz\/wp-content\/uploads\/art456555_4x3_20260927_082943_xT8aF9.jpg","url":"https:\/\/www.gcma.cz\/wp-content\/uploads\/art456555_4x3_20260927_082943_xT8aF9.jpg","height":0,"width":0},"url":"https:\/\/www.gcma.cz\/co-kdyz-cloveku-nestaci-prijmy\/","about":["Finance"],"wordCount":429,"articleBody":"       My lid\u00e9 si pot\u0159ebujeme za v\u0161ech okolnost\u00ed vyd\u011bl\u00e1vat dost pen\u011bz. Vyd\u011bl\u00e1v\u00e1 si je tedy ka\u017ed\u00fd, kdo je toho schopen, a kdo toho schopen nen\u00ed, ten aspo\u0148 pob\u00edr\u00e1 n\u011bjakou tu formu d\u00e1vek \u010di d\u016fchod. Ale to je n\u011bkdy m\u00e1lo, to n\u011bkdy v\u016fbec nesta\u010d\u00ed k tomu, aby jeden vedl to, \u010demu se \u0159\u00edk\u00e1 d\u016fstojn\u00fd \u017eivot. A tak se v mnoha p\u0159\u00edpadech hod\u00ed i n\u011bjak\u00e1 ta p\u016fj\u010dka nav\u00edc. Proto\u017ee i kdy\u017e se touto z\u00edsk\u00e1vaj\u00ed dal\u0161\u00ed pen\u00edze pouze na omezenou dobu, p\u0159ijde to \u010dasto vhod. \u010clov\u011bk z\u00edsk\u00e1 d\u00edky p\u016fj\u010dce pen\u00edze, kter\u00e9 postr\u00e1d\u00e1, m\u016f\u017ee tedy zaplatit v\u0161echno, co pot\u0159ebuje zaplatit, a jedinou odvr\u00e1cenou str\u00e1nkou takov\u00fdch p\u016fj\u010dek je pak to, \u017ee mus\u00ed dlu\u017en\u00edk takto z\u00edskan\u00e9 pen\u00edze zase vr\u00e1tit i s \u00faroky jejich majiteli. A tak si prost\u011b pen\u00edze p\u016fj\u010dujeme, kdy\u017e nen\u00ed vyhnut\u00ed, kdy\u017e pot\u0159ebujeme zaplatit i za n\u011bco, na co u\u017e n\u00e1m na\u0161e vlastn\u00ed finan\u010dn\u00ed prost\u0159edky nesta\u010d\u00ed. Nen\u00ed to v\u016fbec neobvykl\u00e9, d\u011bje se to b\u011b\u017en\u011b a \u010dasto i opakovan\u011b. Ov\u0161em d\u011bje se tak jedin\u011b tehdy, kdy\u017e je n\u00e1m n\u011bkdo ochotn\u00fd p\u016fj\u010dku poskytnout. Co\u017e nen\u00ed samoz\u0159ejmost.  A pro\u010d nen\u00ed poskytnut\u00ed n\u011bjak\u00e9 p\u016fj\u010dky automatickou samoz\u0159ejmost\u00ed? Pro\u010d nedostaneme dejme tomu od banky takov\u00e9 pen\u00edze kdykoliv, v jak\u00e9mkoliv objemu a na jakkoliv dlouhou dobu? To je prost\u00e9. Aby mohli poskytovatel\u00e9 p\u016fj\u010dek takovou pomoc nab\u00edzet, mus\u00ed pen\u00edze nejen poskytovat, ale i dost\u00e1vat zp\u00e1tky, aby m\u011bli co p\u016fj\u010dovat a z \u010deho \u017e\u00edt. A tak se \u017eadatel\u00e9 o p\u016fj\u010dky prov\u011b\u0159uj\u00ed. Co\u017e se d\u011bje r\u016fzn\u00fdmi zp\u016fsoby, kter\u00e9 maj\u00ed vliv i na to, zda my lid\u00e9 n\u011bkterou p\u016fj\u010dku dostaneme nebo ne. Proto\u017ee t\u0159eba nebankovn\u00ed hypot\u00e9ky dostanou jenom ti, kdo se za n\u011b mohou zaru\u010dit z\u00e1stavou nemovitosti, zat\u00edmco u p\u016fj\u010dek bankovn\u00edch se obvykle vy\u017eaduje prok\u00e1z\u00e1n\u00ed vysok\u00fdch p\u0159\u00edjm\u016f a \u010dist\u00fdch registr\u016f dlu\u017en\u00edk\u016f. Co\u017e by m\u011blo zajistit, \u017ee pen\u00edze dostanou jenom ti, kdo tak\u00e9 budou n\u00e1le\u017eit\u011b spl\u00e1cet. A je na n\u00e1s lidech, abychom si vyb\u00edrali takov\u00e9 p\u016fj\u010dky, u kter\u00fdch usp\u011bjeme. Kter\u00e9 dostaneme a zvl\u00e1dneme i vr\u00e1tit.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co kdy\u017e \u010dlov\u011bku nesta\u010d\u00ed p\u0159\u00edjmy?","item":"https:\/\/www.gcma.cz\/co-kdyz-cloveku-nestaci-prijmy\/#breadcrumbitem"}]}]