[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spolecnacesta.cz\/setreni-dekuji-radeji-dluhy\/#Article","mainEntityOfPage":"https:\/\/www.spolecnacesta.cz\/setreni-dekuji-radeji-dluhy\/","headline":"\u0160et\u0159en\u00ed? D\u011bkuji, rad\u011bji dluhy","name":"\u0160et\u0159en\u00ed? D\u011bkuji, rad\u011bji dluhy","description":"S\u00a0bl\u00ed\u017e\u00edc\u00edmi se V\u00e1nocemi se rovn\u011b\u017e bl\u00ed\u017e\u00ed rychl\u00e1 cesta do pekel i nem\u00e1lo lidem z\u00a0na\u0161\u00ed republiky. Finan\u010dn\u011b negramotn\u00fdch lid\u00ed p\u0159ib\u00fdv\u00e1, a […]","datePublished":"2025-03-04","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.spolecnacesta.cz\/author\/devene\/#Person","name":"spolecnacesta.cz","url":"https:\/\/www.spolecnacesta.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spolecnacesta.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spolecnacesta.cz\/wp-content\/uploads\/img_a300753_w2035_t1510777259.jpg","url":"https:\/\/www.spolecnacesta.cz\/wp-content\/uploads\/img_a300753_w2035_t1510777259.jpg","height":0,"width":0},"url":"https:\/\/www.spolecnacesta.cz\/setreni-dekuji-radeji-dluhy\/","about":["Finance"],"wordCount":550,"articleBody":"S\u00a0bl\u00ed\u017e\u00edc\u00edmi se V\u00e1nocemi se rovn\u011b\u017e bl\u00ed\u017e\u00ed rychl\u00e1 cesta do pekel i nem\u00e1lo lidem z\u00a0na\u0161\u00ed republiky. Finan\u010dn\u011b negramotn\u00fdch lid\u00ed p\u0159ib\u00fdv\u00e1, a to i p\u0159esto, \u017ee se o d\u016fsledc\u00edch spojen\u00fdch s\u00a0p\u016fj\u010dkami neust\u00e1l\u00e9 p\u00ed\u0161e i mluv\u00ed. Jak se takov\u00e9 zk\u00e1ze vyhnout a co je d\u016fle\u017eit\u00e9 si uv\u011bdomit p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti o p\u016fj\u010dku?\tNej\u010dast\u011bji zadlu\u017een\u00edP\u016fj\u010dky d\u011bl\u00edme na dv\u011b velk\u00e9 skupiny. Bankovn\u00ed a nebankovn\u00ed. Bankovn\u00ed p\u016fj\u010dku si m\u016f\u017eete vz\u00edt pouze pokud m\u00e1te dostatek p\u0159\u00edjm\u016f na jej\u00ed splacen\u00ed. S\u00a0t\u00edmto atributem je spojeno mno\u017estv\u00ed pravidel, kter\u00e1 se li\u0161\u00ed v\u00a0ka\u017ed\u00e9 bance. U nebankovn\u00edch p\u016fj\u010dek se v\u00a0podstat\u011b \u0159e\u0161\u00ed jen to, kolik si p\u016fj\u010d\u00edte.Nejv\u00edce bankovn\u00edch p\u016fj\u010dek si berou st\u0159edo\u0161kolsky a vysoko\u0161kolsky vzd\u011blan\u00ed. Po nebankovn\u00ed alternativ\u011b nej\u010dast\u011bji sahaj\u00ed lid\u00e9 se z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm nebo s\u00a0v\u00fdu\u010dn\u00edm listem. Ti se i \u010dast\u011bji dost\u00e1vaj\u00ed do dluh\u016f. To ov\u0161em neznamen\u00e1, \u017ee se nem\u016f\u017eete zadlu\u017eit i kv\u016fli bankovn\u00ed p\u016fj\u010dce. Naopak.\tPro\u010d si tedy lid\u00e9 p\u016fj\u010duj\u00ed?V\u00a0dne\u0161n\u00ed dob\u011b je dost t\u011b\u017ek\u00e9 \u201eodstartovat\u201c. Osamostatnit se a naj\u00edt si slu\u0161n\u00fd byt nebo dome\u010dek chce velk\u00e9 \u00fasil\u00ed. Pokud je pr\u016fm\u011brn\u00fd hrub\u00fd p\u0159\u00edjem v\u00a0\u010cesk\u00e9 republice 29\u00a0346 korun, na byt v Praze, jeho\u017e pr\u016fm\u011brn\u00e1 cena je kolem 5 milion\u016f, si asi jen tak \u010dlov\u011bk nena\u0161et\u0159\u00ed. Proto se dost lid\u00ed obrac\u00ed na banky \u010di jin\u00e9 spole\u010dnosti nab\u00edzej\u00edc\u00ed p\u016fj\u010dky. Podobn\u011b jako s\u00a0byty je to i s\u00a0rekonstrukcemi, auty \u010di jin\u00fdmi podstatn\u011b dra\u017e\u0161\u00edmi investicemi.\tJak n\u011bkter\u00fdm p\u016fj\u010dk\u00e1m p\u0159edej\u00edt?N\u011bkter\u00e9 p\u016fj\u010dky jsou \u010dasto dost zbyte\u010dn\u00e9. Spousta lid\u00ed si mus\u00ed p\u016fj\u010dovat i v\u00a0moment\u011b, kdy se jim porouch\u00e1 n\u011bjak\u00fd spot\u0159ebi\u010d, cht\u011bj\u00ed jet na dovolenou nebo dop\u0159\u00e1t sv\u00e9 rodin\u011b hezk\u00e9 V\u00e1noce. P\u0159itom se d\u00e1 dost v\u011bc\u00ed vy\u0159e\u0161it \u0161et\u0159en\u00edm.\tA d\u016fsledky?Dnes a denn\u011b se m\u016f\u017eeme setkat s\u00a0lidmi, kte\u0159\u00ed museli vyhl\u00e1sit takzvan\u00fd osobn\u00ed bankrot. A v\u011bzte, \u017ee to byste za\u017e\u00edt ur\u010dit\u011b necht\u011bli. Je to b\u011bh na dlouho tra\u0165 trvaj\u00edc\u00ed p\u011bt let, kdy v\u00e1m z\u00a0platu z\u016fstane jen naprost\u00e9 \u017eivotn\u00ed minimum. Pokud u\u017e te\u010f c\u00edt\u00edte, \u017ee nezvl\u00e1d\u00e1te svou finan\u010dn\u00ed situaci, tak mi v\u011b\u0159te, \u017ee v\u017edycky m\u016f\u017ee b\u00fdt i h\u016f\u0159. V\u00a0tomto p\u0159\u00edpad\u011b doporu\u010duji vyhledat finan\u010dn\u00edho poradce, aby v\u00e1m \u0159ekl, jak pokra\u010dovat d\u00e1l p\u0159\u00edpadn\u011b, kde si m\u016f\u017eete nechat p\u016fj\u010dky p\u0159ev\u00e9st do jedn\u00e9.A\u010dkoliv to mo\u017en\u00e1 p\u016fsob\u00ed jako zastra\u0161ov\u00e1n\u00ed, tak douf\u00e1m, \u017ee jste si promysleli, jestli si letos p\u016fj\u010d\u00edte na d\u00e1rky nebo u\u0161et\u0159\u00edte rad\u011bji na letn\u00ed dovolenou p\u0159\u00edpadn\u011b nov\u00e9 auto. Nikdy nev\u00edte, kdy se v\u00e1m p\u016fj\u010dov\u00e1n\u00ed m\u016f\u017ee vymknout z\u00a0rukou.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0160et\u0159en\u00ed? D\u011bkuji, rad\u011bji dluhy","item":"https:\/\/www.spolecnacesta.cz\/setreni-dekuji-radeji-dluhy\/#breadcrumbitem"}]}]