[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.demorss.cz\/pujcka-bez-rizika\/#Article","mainEntityOfPage":"https:\/\/www.demorss.cz\/pujcka-bez-rizika\/","headline":"P\u016fj\u010dka bez rizika","name":"P\u016fj\u010dka bez rizika","description":"Titulek p\u016fj\u010dov\u00e1n\u00ed pen\u011bz bez akutn\u00edho rizika vid\u00edme kolem neust\u00e1le, ale v\u0161e nen\u00ed tak r\u016f\u017eov\u00e9, jak se m\u016f\u017ee zd\u00e1t. V\u011bt\u0161inou je toti\u017e probl\u00e9m zadlu\u017eit se a vyv\u00e1znout z\u00a0toho bez \u00fajmy. Probl\u00e9mem toti\u017e je, \u017ee skupina lid\u00ed, kter\u00e1 si pen\u00edze p\u016fj\u010duje ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f na p\u016fj\u010dky nem\u00e1. Tak pro\u010d je tedy banky a spole\u010dnosti poskytuj\u00ed? Z\u0159ejm\u011b z\u00a0jednoho […]","datePublished":"2019-01-09","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.demorss.cz\/author\/#Person","name":"","url":"https:\/\/www.demorss.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"demorss.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.demorss.cz\/wp-content\/uploads\/img_a335512_w1696_t1548772717.jpg","url":"https:\/\/www.demorss.cz\/wp-content\/uploads\/img_a335512_w1696_t1548772717.jpg","height":0,"width":0},"url":"https:\/\/www.demorss.cz\/pujcka-bez-rizika\/","wordCount":445,"articleBody":"Titulek p\u016fj\u010dov\u00e1n\u00ed pen\u011bz bez akutn\u00edho rizika vid\u00edme kolem neust\u00e1le, ale v\u0161e nen\u00ed tak r\u016f\u017eov\u00e9, jak se m\u016f\u017ee zd\u00e1t. V\u011bt\u0161inou je toti\u017e probl\u00e9m zadlu\u017eit se a vyv\u00e1znout z\u00a0toho bez \u00fajmy. Probl\u00e9mem toti\u017e je, \u017ee skupina lid\u00ed, kter\u00e1 si pen\u00edze p\u016fj\u010duje ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f na p\u016fj\u010dky nem\u00e1. Tak pro\u010d je tedy banky a spole\u010dnosti poskytuj\u00ed? Z\u0159ejm\u011b z\u00a0jednoho prost\u00e9ho d\u016fvodu a t\u00edm je zisk.Co jin\u00e9ho by toti\u017e mohlo v\u00e9st finan\u010dn\u00ed spole\u010dnost, kter\u00e1 se zab\u00fdv\u00e1 p\u016fj\u010dkami poskytnou pen\u00edze osobn\u011b, kter\u00e1 nem\u00e1 nijak valn\u00e9 vzd\u011bl\u00e1n\u00ed, dobrou pr\u00e1ci a p\u0159\u00edjem a je r\u00e1da, \u017ee u\u017eiv\u00ed sebe a svou p\u0159\u00edpadnou rodinu. Potom je jasn\u00e9, \u017ee takov\u00e1 osoba m\u00e1 nouze o finance a kdy\u017e u\u017e d\u00e1l nem\u016f\u017ee prost\u011b s\u00e1hne po prvn\u00ed nab\u00eddce, kter\u00e1 se ji naskytne.Takov\u00e9 spole\u010dnosti v\u00a0\u010cesk\u00e9 republice t\u011b\u017e\u00ed zejm\u00e9na z\u00a0toho, \u017ee m\u00edstn\u00ed lid\u00e9 nemaj\u00ed dostate\u010dnou finan\u010dn\u00ed gramotnost. To je velice smutn\u00e9, ale kde je probl\u00e9m. Hlavn\u011b ve vzd\u011bl\u00e1vac\u00edm syst\u00e9mu. Lid\u00e9 jsou tak jednodu\u0161e zadlu\u017een\u00ed, proto\u017ee prost\u011b nev\u00ed, jak funguje \u00fav\u011br, jak se plat\u00ed \u00faroky, co to znamen\u00e1 p.a., co to je RPSN. D\u00edky t\u011bmto drobnostem si pak spole\u010dnosti m\u016f\u017eou s\u00a0takov\u00fdmi osobami hr\u00e1t.To je velice \u0161patn\u011b, a proto kdy\u017e u\u017e nerozum\u00edme p\u016fj\u010dk\u00e1m m\u011bli bychom se nad sebou zamyslet a \u0159\u00edct si, zda pen\u00edze na danou v\u011bc opravdu pot\u0159ebujeme. Zda se n\u00e1m nevyplat\u00ed po\u010dkat koupit si danou v\u011bc a\u017e v\u00a0moment\u011b, kdy na ni m\u00e1me sv\u00e9 vlastn\u00ed pen\u00edze.Samoz\u0159ejm\u011b absolutn\u011b n\u011bco jin\u00e9ho jsou p\u016fj\u010dky na bydlen\u00ed, tedy hypot\u00e9ky. Je jasn\u00e9, \u017ee \u010dlov\u011bk nem\u016f\u017ee s\u00a0pr\u016fm\u011brn\u00fdm platem na\u0161et\u0159it za p\u00e1r let n\u011bkolik milion\u016f korun, kter\u00e9 dne\u0161n\u00ed d\u016fm stoj\u00ed. Proto v\u011bt\u0161ina z\u00a0n\u00e1s kv\u016fli honb\u011b za vlastn\u00edm bydlen\u00edm zam\u00ed\u0159\u00ed do bank. A up\u0159\u00edmn\u011b, banky nejsou takov\u00ed zlod\u011bji, jak si mno\u017e\u00ed lid\u00e9 mysl\u00ed.Pr\u00e1v\u011b naopak, nab\u00eddnou n\u00e1m takov\u00e9 f\u00e9rov\u00e9 podm\u00ednky, kdy v\u00edme, na \u010dem jsme a jsme schopni p\u016fj\u010dku spl\u00e1cet. Pokud se k\u00a0n\u00e1m banka chov\u00e1 nef\u00e9rov\u011b rozhodn\u011b to nen\u00ed spole\u010dnost, kde bychom m\u011bli m\u00edt sv\u00e9 pen\u00edze nebo si dokonce pen\u00edze p\u016fj\u010dovat.                                                                                                                                                                                                                                                                                                                                                                                                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