[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moscom.cz\/kdyz-si-chce-nekdo-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.moscom.cz\/kdyz-si-chce-nekdo-pujcit\/","headline":"Kdy\u017e si chce n\u011bkdo p\u016fj\u010dit","name":"Kdy\u017e si chce n\u011bkdo p\u016fj\u010dit","description":"\u010clov\u011bk, kter\u00fd dnes nem\u00e1 pen\u00edze, m\u00e1 hodn\u011b komplikovan\u00e9 \u017eivotn\u00ed podm\u00ednky. Dne\u0161n\u00ed sv\u011bt p\u0159ece do zna\u010dn\u00e9 m\u00edry funguje jenom d\u00edky neust\u00e1l\u00e9mu obchodov\u00e1n\u00ed, a tedy ob\u011bhu finan\u010dn\u00edch prost\u0159edk\u016f, a kdo nem\u00e1 co … ","datePublished":"2022-02-08","dateModified":"2022-02-08","author":{"@type":"Person","@id":"https:\/\/www.moscom.cz\/author\/#Person","name":"","url":"https:\/\/www.moscom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moscom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.moscom.cz\/wp-content\/uploads\/kreditn%C3%AD%20karta_10_1.png","url":"https:\/\/www.moscom.cz\/wp-content\/uploads\/kreditn%C3%AD%20karta_10_1.png","height":0,"width":0},"url":"https:\/\/www.moscom.cz\/kdyz-si-chce-nekdo-pujcit\/","about":["Pen\u00edze"],"wordCount":426,"articleBody":"   \u010clov\u011bk, kter\u00fd dnes nem\u00e1 pen\u00edze, m\u00e1 hodn\u011b komplikovan\u00e9 \u017eivotn\u00ed podm\u00ednky. Dne\u0161n\u00ed sv\u011bt p\u0159ece do zna\u010dn\u00e9 m\u00edry funguje jenom d\u00edky neust\u00e1l\u00e9mu obchodov\u00e1n\u00ed, a tedy ob\u011bhu finan\u010dn\u00edch prost\u0159edk\u016f, a kdo nem\u00e1 co utr\u00e1cet, ten pochopiteln\u011b postr\u00e1d\u00e1 mo\u017enost nakupovat nebo platit za slu\u017eby, je\u017e hodl\u00e1 vyu\u017e\u00edvat. A jakmile n\u011bkdo nem\u00e1 \u010d\u00edm platit, m\u00e1 to prost\u011b t\u011b\u017ek\u00e9. Spot\u0159ebiteli za\u010dne kv\u016fli nedostatku pen\u011bz sch\u00e1zet to \u010di ono, a podnikateli m\u016f\u017ee klidn\u011b i zkrachovat firma, jej\u00ed\u017e provozn\u00ed n\u00e1klady tento nedok\u00e1\u017ee financovat a do n\u00ed\u017e nen\u00ed co investovat.Zkr\u00e1tka a dob\u0159e znamen\u00e1 nedostatek pen\u011bz nevyhnuteln\u011b probl\u00e9my. A to i hodn\u011b z\u00e1sadn\u00ed probl\u00e9my, kter\u00e9 samoz\u0159ejm\u011b nem\u016f\u017eeme br\u00e1t na lehkou v\u00e1hu. Proto\u017ee je jenom teoreticky mo\u017en\u00e9, aby n\u011bkdo v p\u0159\u00edpad\u011b, kdy nem\u00e1 pen\u00edze, p\u0159estal utr\u00e1cet a\u017e do doby, ne\u017e zase n\u011bkde k n\u011bjak\u00fdm p\u0159ijde. \u017divot, a tedy utr\u00e1cen\u00ed, se nem\u016f\u017ee zastavit ani tehdy, kdy\u017e pen\u00edze prost\u011b nejsou.A kde vz\u00edt dostatek finan\u010dn\u00edch prost\u0159edk\u016f ve chv\u00edl\u00edch, kdy je n\u011bkdo nem\u00e1? Jak to zvl\u00e1dnout, aby v\u017edy bylo aspo\u0148 na \u00fatratu za to nejd\u016fle\u017eit\u011bj\u0161\u00ed, co prost\u011b mus\u00edme m\u00edt st\u016fj co st\u016fj?\u010casto se nab\u00edz\u00ed jenom jedin\u00e9 v\u00fdchodisko, a to p\u016fj\u010dka. Ano, m\u016f\u017eeme si pen\u00edze p\u016fj\u010dit, financovat jimi v\u0161echno, co je t\u0159eba zaplatit, a potom zkr\u00e1tka spl\u00e1cet, a\u017e si zase vyd\u011bl\u00e1me n\u011bjak\u00e9 pen\u00edze vlastn\u00ed. Jen\u017ee to funguje jedin\u011b v p\u0159\u00edpadech, kdy my lid\u00e9 p\u016fj\u010dku dostaneme. A to se nest\u00e1v\u00e1 automaticky.Kdo chce p\u016fj\u010dku dostat, mus\u00ed nejprve splnit to, co po n\u011bm jej\u00ed poskytovatel \u017e\u00e1d\u00e1. A kv\u016fli tomu mnoz\u00ed lid\u00e9 u leckter\u00e9 nab\u00eddky neusp\u011bj\u00ed. Kdy\u017e se po nich po\u017eaduj\u00ed vysok\u00e9 p\u0159\u00edjmy, kter\u00e9 ale doty\u010dn\u00ed nemaj\u00ed, je po nad\u011bj\u00edch, stejn\u011b jako kdy\u017e vad\u00ed z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, dal\u0161\u00ed nesplacen\u00e9 p\u016fj\u010dky, exekuce a podobn\u011b.Ale \u010dlov\u011bk, kter\u00fd m\u00e1 aspo\u0148 n\u011bjak\u00fd nemovit\u00fd majetek, nen\u00ed nikdy ztracen\u00fd. I kdyby ho v\u0161ude jinde odm\u00edtli, hypot\u00e9ka po insolvenci od nebankovn\u00ed spole\u010dnosti v jeho p\u0159\u00edpad\u011b nezklame. Tu dostane i nedokonal\u00fd \u017eadatel, kter\u00e9ho by v bance odm\u00edtli. Zaru\u010den\u011b.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e si chce n\u011bkdo p\u016fj\u010dit","item":"https:\/\/www.moscom.cz\/kdyz-si-chce-nekdo-pujcit\/#breadcrumbitem"}]}]