[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.uvis.cz\/bez-penez-neni-zivot-krasny\/#Article","mainEntityOfPage":"https:\/\/www.uvis.cz\/bez-penez-neni-zivot-krasny\/","headline":"Bez pen\u011bz nen\u00ed \u017eivot kr\u00e1sn\u00fd","name":"Bez pen\u011bz nen\u00ed \u017eivot kr\u00e1sn\u00fd","description":"I kdybychom hledali skute\u010dn\u011b dlouho, sotva najdeme n\u011bkoho, kdo by se skute\u010dn\u011b dok\u00e1zal obej\u00edt bez pen\u011bz, ani\u017e by mu cokoliv sch\u00e1zelo. Finan\u010dn\u00ed situace kohokoliv z n\u00e1s toti\u017e ovliv\u0148uje na\u0161i \u017eivotn\u00ed \u00farove\u0148, a nem\u00edt pen\u00edze znamen\u00e1 pokles do probl\u00e9m\u016f a nakonec t\u0159eba i a\u017e na \u00fapln\u00e9 dno, odkud \u010dasto nen\u00ed n\u00e1vratu. A abychom nedopadli takto neslavn\u011b, […]","datePublished":"2021-09-22","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.uvis.cz\/author\/#Person","name":"uvis.cz\n","url":"https:\/\/www.uvis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"uvis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.uvis.cz\/wp-content\/uploads\/jedna%20penny.jpg","url":"https:\/\/www.uvis.cz\/wp-content\/uploads\/jedna%20penny.jpg","height":0,"width":0},"url":"https:\/\/www.uvis.cz\/bez-penez-neni-zivot-krasny\/","about":["D\u016fm a zahrada"],"wordCount":437,"articleBody":"   I kdybychom hledali skute\u010dn\u011b dlouho, sotva najdeme n\u011bkoho, kdo by se skute\u010dn\u011b dok\u00e1zal obej\u00edt bez pen\u011bz, ani\u017e by mu cokoliv sch\u00e1zelo. Finan\u010dn\u00ed situace kohokoliv z n\u00e1s toti\u017e ovliv\u0148uje na\u0161i \u017eivotn\u00ed \u00farove\u0148, a nem\u00edt pen\u00edze znamen\u00e1 pokles do probl\u00e9m\u016f a nakonec t\u0159eba i a\u017e na \u00fapln\u00e9 dno, odkud \u010dasto nen\u00ed n\u00e1vratu.A abychom nedopadli takto neslavn\u011b, abychom m\u011bli to, co k \u017eivotu pot\u0159ebujeme, a navrch t\u0159eba i n\u011bco, co nepot\u0159ebujeme, mus\u00edme si prost\u011b dost vyd\u011blat. Co\u017e se ale ned\u011bje automaticky. N\u011bkdy n\u00e1m na\u0161e p\u0159\u00edjmy prost\u011b nedovoluj\u00ed uspokojovat n\u011bkter\u00e9 na\u0161e pot\u0159eby a n\u011bkdy si s nimi dokonce nevysta\u010d\u00edme v\u016fbec. A pak je to zl\u00e9.Je to zl\u00e9, ale na\u0161t\u011bst\u00ed to po\u0159\u00e1d je\u0161t\u011b nen\u00ed nejhor\u0161\u00ed. Aspo\u0148 do doby, dokud n\u00e1m nep\u0159estanou b\u00fdt finan\u010dn\u00ed \u00fastavy ochotn\u00e9 nab\u00edzet p\u016fj\u010dky.Dokud m\u00e1me n\u011bkoho, od koho si lze v t\u011b\u017ek\u00fdch \u010dasech p\u016fj\u010dit, je to je\u0161t\u011b uch\u00e1zej\u00edc\u00ed. Sice je to jenom do\u010dasn\u00e1 pomoc, kter\u00e1 se mus\u00ed nakonec vr\u00e1tit, ale i to b\u00fdv\u00e1 \u010dasto dobr\u00e9. Jen\u017ee to osud nejednou zaona\u010d\u00ed tak, \u017ee u\u017e o p\u016fj\u010dku usilujeme marn\u011b. N\u011bkdy n\u00e1s odm\u00edtnou t\u0159eba kv\u016fli z\u00e1znam\u016fm v registrech dlu\u017en\u00edk\u016f, n\u011bkdy kv\u016fli exekuc\u00edm, n\u011bkdy kv\u016fli zd\u00e1nliv\u011b nebo i skute\u010dn\u011b nedostate\u010dn\u00fdm p\u0159\u00edjm\u016fm. A to je pak pomalu k pl\u00e1\u010di.Ov\u0161em i v takov\u00e9 situaci tu je\u0161t\u011b m\u016f\u017ee b\u00fdt n\u011bjak\u00e9 \u0159e\u0161en\u00ed k nalezen\u00ed. A jak se mu \u0159\u00edk\u00e1? Je to ona zn\u00e1m\u00e1 americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu, tedy p\u016fj\u010dka, u kter\u00e9 se nam\u00edsto slo\u017eit\u00e9ho prokazov\u00e1n\u00ed bonity d\u00e1v\u00e1 jenom nemovitost do z\u00e1stavy.Pr\u00e1v\u011b kv\u016fli takov\u00e9 z\u00e1stav\u011b se daj\u00ed tolerovat leckter\u00e9 \u017eadatelovy nedostatky, d\u00edky n\u00ed se p\u0159i \u017e\u00e1d\u00e1n\u00ed neztroskot\u00e1 na v\u00fd\u0161e zm\u00edn\u011bn\u00fdch z\u00e1le\u017eitostech a s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed se usp\u011bje. A to i tehdy, kdy\u017e by v\u0161ude jinde \u017eadateli dali najevo, \u017ee pro n\u011b nen\u00ed dost dobr\u00fd.A tak se vlastn\u011b majitel\u00e9 n\u011bjak\u00fdch nemovitost\u00ed nemus\u00ed finan\u010dn\u00ed t\u00edsn\u011b p\u0159\u00edli\u0161 ob\u00e1vat. Sta\u010d\u00ed si za\u017e\u00e1dat pr\u00e1v\u011b zde a snadno se z\u00edskaj\u00ed i velk\u00e9 pen\u00edze, kter\u00e9 pak lze skute\u010dn\u011b hodn\u011b dlouho spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bez pen\u011bz nen\u00ed \u017eivot kr\u00e1sn\u00fd","item":"https:\/\/www.uvis.cz\/bez-penez-neni-zivot-krasny\/#breadcrumbitem"}]}]