[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gcma.cz\/nikdo-nemusi-zit-v-bide\/#Article","mainEntityOfPage":"https:\/\/www.gcma.cz\/nikdo-nemusi-zit-v-bide\/","headline":"Nikdo nemus\u00ed \u017e\u00edt v b\u00edd\u011b","name":"Nikdo nemus\u00ed \u017e\u00edt v b\u00edd\u011b","description":"Ka\u017ed\u00e9mu z n\u00e1s by se n\u011bkdy mohla p\u0159ihodit ta nep\u0159\u00edjemnost, \u017ee se ocitne na sv\u011bt\u011b bez dostatku finan\u010dn\u00edch prost\u0159edk\u016f. Na ka\u017ed\u00e9ho z n\u00e1s by mohla n\u011bkdy dolehnout t\u0159eba i krajn\u011b nep\u0159\u00edjemn\u00e1 finan\u010dn\u00ed t\u00edse\u0148. A kdo v\u00ed, kolika z v\u00e1s \u010dten\u00e1\u0159\u016f u\u017e se to tak\u00e9 n\u011bkdy stalo. Dost mo\u017en\u00e1 mnoh\u00fdm. A jak mi m\u016f\u017ee kdokoliv takov\u00fd ... <a href=\"https:\/\/www.gcma.cz\/nikdo-nemusi-zit-v-bide\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Nikdo nemus\u00ed \u017e\u00edt v b\u00edd\u011b\"<\/span> &raquo;<\/a>","datePublished":"2023-03-19","dateModified":"2023-04-25","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\/money-3219289_960_720.jpg","url":"https:\/\/www.gcma.cz\/wp-content\/uploads\/money-3219289_960_720.jpg","height":0,"width":0},"url":"https:\/\/www.gcma.cz\/nikdo-nemusi-zit-v-bide\/","about":["Finance"],"wordCount":427,"articleBody":"   Ka\u017ed\u00e9mu z n\u00e1s by se n\u011bkdy mohla p\u0159ihodit ta nep\u0159\u00edjemnost, \u017ee se ocitne na sv\u011bt\u011b bez dostatku finan\u010dn\u00edch prost\u0159edk\u016f. Na ka\u017ed\u00e9ho z n\u00e1s by mohla n\u011bkdy dolehnout t\u0159eba i krajn\u011b nep\u0159\u00edjemn\u00e1 finan\u010dn\u00ed t\u00edse\u0148. A kdo v\u00ed, kolika z v\u00e1s \u010dten\u00e1\u0159\u016f u\u017e se to tak\u00e9 n\u011bkdy stalo. Dost mo\u017en\u00e1 mnoh\u00fdm. A jak mi m\u016f\u017ee kdokoliv takov\u00fd potvrdit, jakmile za\u010dnou \u010dlov\u011bku sch\u00e1zet pen\u00edze, je zle. Proto\u017ee bez t\u011bch nem\u016f\u017ee m\u00edt nikdo v\u0161echno, co by si p\u0159\u00e1l m\u00edt. Jakmile na koupi v\u0161eho nesta\u010d\u00ed pen\u00edze, mus\u00ed se ten, komu se takto nepo\u0161t\u011bstilo, za\u010d\u00edt uskrom\u0148ovat. A to t\u0159eba i vysloven\u011b dramaticky.Ale v\u0161echno m\u00e1 sv\u00e9 meze. A ani \u00faspory nejsou v tomto ohledu v\u00fdjimkou. A kdy\u017e u\u017e n\u011bkomu pen\u00edze sch\u00e1zej\u00ed p\u0159\u00edli\u0161, mus\u00ed si sehnat dal\u0161\u00ed, i kdyby si je m\u011bl od n\u011bkoho p\u016fj\u010dit. Jen\u017ee od koho, \u017ee? To je ot\u00e1zka.Nab\u00edzej\u00ed se nap\u0159\u00edklad banky. V t\u011bch si m\u016f\u017ee vz\u00edt p\u016fj\u010dku kdokoliv, kdo dok\u00e1\u017ee vyhov\u011bt jejich po\u017eadavk\u016fm, krit\u00e9ri\u00edm, pode kter\u00fdch jsou tam \u017eadatel\u00e9 o p\u016fj\u010dky posuzov\u00e1ni. Jen\u017ee krom\u011b takov\u00fdch bonitn\u00edch \u017eadatel\u016f, je\u017e tam ochotn\u011b uspokoj\u00ed, je i spousta lid\u00ed, kte\u0159\u00ed maj\u00ed t\u0159eba n\u00edzk\u00e9 p\u0159\u00edjmy nebo se nemohou py\u0161nit sv\u00fdmi z\u00e1znamy v registrech dlu\u017en\u00edk\u016f. A co tedy s t\u011bmi, kte\u0159\u00ed maj\u00ed v bank\u00e1ch sm\u016flu?Ani ti by nem\u011bli klesat na mysli. Bank\u00e1m se sice nezal\u00edbili, ale p\u0159esto mohou b\u00fdt dost dob\u0159\u00ed aspo\u0148 pro nebankovn\u00ed sektor. A tam jsou jim pak k dispozici hypot\u00e9ky bez registru, kter\u00e9 dostanou v\u0161ichni, v\u010detn\u011b \u017eadatel\u016f odm\u00edtnut\u00fdch bankami. Proto\u017ee kdo vlastn\u00ed nemovitost, kterou by se mohl za nebankovn\u00ed hypot\u00e9ku zaru\u010dit, tomu tu p\u016fj\u010d\u00ed, i kdyby byl dost nedokonal\u00fd. Proto\u017ee n\u011bkdo takov\u00fd tu p\u016fj\u010den\u00e9 pen\u00edze ur\u010dit\u011b vr\u00e1t\u00ed. A\u0165 u\u017e s\u00e1m v pen\u011bz\u00edch nebo formou vyu\u017eit\u00ed zastaven\u00e9 nemovitosti k \u00fahrad\u011b nesplacen\u00e9ho dluhu.Nebankovn\u00ed hypot\u00e9ka tedy nikoho ur\u010dit\u011b nezklame. Tu dostanou i ve velk\u00e9 v\u00fd\u0161i a s dlouhou dobou spl\u00e1cen\u00ed v\u0161ichni, kdo se za ni zaru\u010d\u00ed nemovitost\u00ed. I kdyby nad nimi v bank\u00e1ch zlomili pomyslnou h\u016fl.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nikdo nemus\u00ed \u017e\u00edt v b\u00edd\u011b","item":"https:\/\/www.gcma.cz\/nikdo-nemusi-zit-v-bide\/#breadcrumbitem"}]}]