[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kulisci.cz\/bydleni\/kdo-cloveku-pujci\/#Article","mainEntityOfPage":"https:\/\/www.kulisci.cz\/bydleni\/kdo-cloveku-pujci\/","headline":"Kdo \u010dlov\u011bku p\u016fj\u010d\u00ed?","name":"Kdo \u010dlov\u011bku p\u016fj\u010d\u00ed?","description":"Nen\u00ed v\u016fbec nic divn\u00e9ho na tom, \u017ee jsou lid\u00e9, kte\u0159\u00ed p\u0159inejmen\u0161\u00edm ob\u010das nedok\u00e1\u017eou vyj\u00edt se sv\u00fdmi p\u0159\u00edjmy. St\u00e1t se to m\u016f\u017ee ka\u017ed\u00e9mu, n\u00e1s osobn\u011b nevyj\u00edmaje. Proto\u017ee nikdo z n\u00e1s nem\u00e1 garanci tak vysok\u00fdch p\u0159\u00edjm\u016f, jak\u00e9 zrovna pot\u0159ebuje, a ne ka\u017ed\u00fd \u017eije tak cenov\u011b \u00fanosn\u011b, aby to zvl\u00e1dnul. Zam\u011bstnanci maj\u00ed jen takov\u00e9 pen\u00edze, na jak\u00fdch se...","datePublished":"2019-12-08","dateModified":"2019-12-08","author":{"@type":"Person","@id":"https:\/\/www.kulisci.cz\/author\/#Person","name":"","url":"https:\/\/www.kulisci.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/29b4b7cf61bc7f4a3cff4e7146cbe3cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kulisci.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kulisci.cz\/wp-content\/uploads\/img_a377370_w4263_t1589187507.jpg","url":"https:\/\/www.kulisci.cz\/wp-content\/uploads\/img_a377370_w4263_t1589187507.jpg","height":0,"width":0},"url":"https:\/\/www.kulisci.cz\/bydleni\/kdo-cloveku-pujci\/","wordCount":458,"articleBody":"        Nen\u00ed v\u016fbec nic divn\u00e9ho na tom, \u017ee jsou lid\u00e9, kte\u0159\u00ed p\u0159inejmen\u0161\u00edm ob\u010das nedok\u00e1\u017eou vyj\u00edt se sv\u00fdmi p\u0159\u00edjmy. St\u00e1t se to m\u016f\u017ee ka\u017ed\u00e9mu, n\u00e1s osobn\u011b nevyj\u00edmaje. Proto\u017ee nikdo z n\u00e1s nem\u00e1 garanci tak vysok\u00fdch p\u0159\u00edjm\u016f, jak\u00e9 zrovna pot\u0159ebuje, a ne ka\u017ed\u00fd \u017eije tak cenov\u011b \u00fanosn\u011b, aby to zvl\u00e1dnul. Zam\u011bstnanci maj\u00ed jen takov\u00e9 pen\u00edze, na jak\u00fdch se se sv\u00fdmi zam\u011bstnavateli dohodnou, nezam\u011bstnan\u00ed maj\u00ed to, co st\u00e1t d\u00e1, a ani soukrom\u00ed podnikatel\u00e9, kte\u0159\u00ed jsou omezeni jenom sv\u00fdmi vlastn\u00edmi mo\u017enostmi a schopnostmi, nemohou vyd\u011bl\u00e1vat v\u00edc, ne\u017e je fyzicky a vzhledem k objektivn\u00edm podm\u00ednk\u00e1m mo\u017en\u00e9. A co kdy\u017e tedy n\u011bkdo nem\u00e1 dostatek finan\u010dn\u00edch prost\u0159edk\u016f na to, aby \u017eil norm\u00e1ln\u00edm \u017eivotem? Pak je mo\u017en\u00e9 zv\u00fd\u0161it pracovn\u00ed v\u00fdkon, zm\u011bnit profesi za n\u011bjakou l\u00e9pe placenou nebo omezit sv\u00e1 vyd\u00e1n\u00ed. A kdy\u017e to nepom\u016f\u017ee, lze si vz\u00edt i p\u016fj\u010dku. Ov\u0161em ne\u017e se \u010dlov\u011bk zadlu\u017e\u00ed, m\u011bl by si ujasnit, k \u010demu mu takov\u00e1 p\u016fj\u010dka bude a jak\u00e1 m\u00e1 tedy b\u00fdt. Proto\u017ee podobn\u00e9 finan\u010dn\u00ed produkty nejsou jeden jako druh\u00fd. N\u011bkter\u00e9 p\u016fj\u010dky jsou dra\u017e\u0161\u00ed, jin\u00e9 levn\u011bj\u0161\u00ed, n\u011bkter\u00e9 jsou tu pro ka\u017ed\u00e9ho a jin\u00e9 t\u0159eba i jen pro pouhopouh\u00fd \u00fazk\u00fd okruh vyvolen\u00fdch, n\u011bkde jsou takov\u00e9 a jinde onak\u00e9 p\u0159ednosti a nedostatky. A na volb\u011b toho nejoptim\u00e1ln\u011bj\u0161\u00edho hodn\u011b z\u00e1le\u017e\u00ed. Nechce-li tedy \u010dlov\u011bk zbyte\u010dn\u011b p\u0159epl\u00e1cet nebo m\u00edt jin\u00e9 pot\u00ed\u017ee. Probl\u00e9my p\u016fj\u010dek jsou v z\u00e1sad\u011b dvoj\u00edho druhu:  mohou b\u00fdt p\u0159\u00edli\u0161 drah\u00e9 \u010di jinak nev\u00fdhodn\u00e9 a mohou b\u00fdt pro ur\u010dit\u00e9 \u017eadatele nedosa\u017eiteln\u00e9.  A takov\u00fdm je z\u00e1hodno se rovnou vyhnout a vsadit rad\u011bji na n\u011bco jako hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu Americk\u00e1 nebankovn\u00ed hypot\u00e9ka. U t\u00e9to hypot\u00e9ky toti\u017e nehroz\u00ed ani to, \u017ee bude \u010dlov\u011bk zbyte\u010dn\u011b p\u0159epl\u00e1cet, ani to, \u017ee ho odm\u00edtnou coby nezaj\u00edmav\u00e9ho. Tady se toti\u017e mus\u00ed splnit jen dv\u011b z\u00e1kladn\u00ed podm\u00ednky, aby \u010dlov\u011bk usp\u011bl. Doty\u010dn\u00fd mus\u00ed d\u00e1t za p\u016fj\u010den\u00e9 pen\u00edze do z\u00e1stavy nemovitost a m\u00edt p\u0159\u00edjmy dosta\u010duj\u00edc\u00ed ke spl\u00e1cen\u00ed. Kdo to spl\u0148uje, m\u00e1 vyhr\u00e1no a dostane p\u016fj\u010dku za ide\u00e1ln\u00edch podm\u00ednek. I kdyby byl takov\u00fd, \u017ee nad n\u00edm u\u017e v\u0161echny banky jako\u017eto nad nevyhovuj\u00edc\u00edm zlomily h\u016fl.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bydleni","item":"https:\/\/www.kulisci.cz\/bydleni\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Kdo \u010dlov\u011bku p\u016fj\u010d\u00ed?","item":"https:\/\/www.kulisci.cz\/bydleni\/kdo-cloveku-pujci\/#breadcrumbitem"}]}]