[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.326.cz\/co-kdyz-neni-nasporeno\/#Article","mainEntityOfPage":"https:\/\/www.326.cz\/co-kdyz-neni-nasporeno\/","headline":"Co kdy\u017e nen\u00ed naspo\u0159eno?","name":"Co kdy\u017e nen\u00ed naspo\u0159eno?","description":"Pokud m\u00e1te m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem sto tis\u00edc a v\u00edce, je jedno zda poctiv\u011b nebo nepoctiv\u011b (mimochodem, jde to poctivou cestou?) tak se lehce spo\u0159\u00ed na n\u011bjak\u00fd \u00fa\u010det, kter\u00fd op\u011bt vyrob\u00ed dal\u0161\u00ed pen\u00edze. A v\u011b\u0159te, \u017ee to procento je sice mal\u00e9, ale kdy\u017e si na n\u011bj d\u00e1te milion, a ten p\u0159i t\u00e9to mzd\u011b re\u00e1ln\u011b uspo\u0159it jde, tak […]","datePublished":"2024-02-13","dateModified":"2024-03-13","author":{"@type":"Person","@id":"https:\/\/www.326.cz\/author\/#Person","name":"","url":"https:\/\/www.326.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"326.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.326.cz\/wp-content\/uploads\/dollar-2891817_640_2.jpg","url":"https:\/\/www.326.cz\/wp-content\/uploads\/dollar-2891817_640_2.jpg","height":0,"width":0},"url":"https:\/\/www.326.cz\/co-kdyz-neni-nasporeno\/","about":["Finance"],"wordCount":428,"articleBody":"   Pokud m\u00e1te m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem sto tis\u00edc a v\u00edce, je jedno zda poctiv\u011b nebo nepoctiv\u011b (mimochodem, jde to poctivou cestou?) tak se lehce spo\u0159\u00ed na n\u011bjak\u00fd \u00fa\u010det, kter\u00fd op\u011bt vyrob\u00ed dal\u0161\u00ed pen\u00edze. A v\u011b\u0159te, \u017ee to procento je sice mal\u00e9, ale kdy\u017e si na n\u011bj d\u00e1te milion, a ten p\u0159i t\u00e9to mzd\u011b re\u00e1ln\u011b uspo\u0159it jde, tak pak u\u017e se to jen mno\u017e\u00ed a nemus\u00edte ani pracovat. Jen\u017ee my se zde budeme bavit o lidech b\u011b\u017en\u00fdch, poctiv\u011b pracuj\u00edc\u00edch v nep\u0159etr\u017eit\u00fdch provozech, nebo u pokladen v supermarketu. Ti si asi neu\u0161et\u0159\u00ed a kdy\u017e tak ne tolik, aby je tr\u00e1pila ot\u00e1zka, kam s prvn\u00edm milionem. Sp\u00ed\u0161e je bude tr\u00e1pit ot\u00e1zka jin\u00e1, a to kde vz\u00edt pen\u00edze t\u0159eba na vlastn\u00ed bydlen\u00ed. S jejich p\u0159\u00edjmem to bude pro n\u011b hodn\u011b zaj\u00edmav\u00e9. D\u00e1 se z n\u011bj sice \u017e\u00edt a mo\u017en\u00e1 n\u011bco odlo\u017eit, ale u\u0161et\u0159it si na byt? Ani do d\u016fchodu. Bude tedy t\u0159eba n\u011bco vymyslet a naj\u00edt n\u011bkoho, kdo by poskytl t\u0159eba hypot\u00e9ku, nebo velkou p\u016fj\u010dku. Jen\u017ee, je n\u011bkdo takov\u00fd? Odpov\u00edme si naprosto up\u0159\u00edmn\u011b, je, ale ur\u010dit\u011b \u017e\u00e1dn\u00e1 banka. Ta m\u00e1 toti\u017e povinnost nadiktovanou \u010ceskou n\u00e1rodn\u00ed bankou, prov\u011b\u0159it bonitu klienta, tedy hlavn\u011b prozkoumat to, zda m\u00e1 dost velk\u00fd p\u0159\u00edjem na to, aby mohl spl\u00e1cet. A banka kolem toho rozto\u010d\u00ed koloto\u010d, vesm\u011bs naprosto zbyte\u010dn\u00fd, proto\u017ee klienta mohou tak jak tak do t\u0159\u00ed m\u011bs\u00edc\u016f vyhodit z pr\u00e1ce a jin\u00e1 nebude, tak\u017ee nebude m\u00edt z \u010deho spl\u00e1cet.Ale banka si jej prov\u011b\u0159ila, tak co. Ve velk\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f v\u0161ak banka pen\u00edze nep\u016fj\u010d\u00ed, proto\u017ee bude klient m\u00edt podle nich n\u00edzk\u00fd p\u0159\u00edjem. Ten je pochopiteln\u011b nutno dolo\u017eit a k tomu p\u0159iznat ve\u0161ker\u00e9 v\u00fddaje. Co\u017e mimo jin\u00e9 \u017eere \u010das. Proto existuje hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. Nen\u00ed v bankovn\u00edm sektoru, mus\u00ed se mimo n\u011bj a mus\u00ed se v\u011bd\u011bt kam se obr\u00e1tit. Vy jako \u010dten\u00e1\u0159i tohoto \u010dl\u00e1nku to za chv\u00edli budete v\u011bd\u011bt tak\u00e9. Sta\u010d\u00ed kliknout na odkaz, kter\u00fd je v\u00fd\u0161e zv\u00fdrazn\u011bn jinou barvou p\u00edsma. To v\u00e1s p\u0159enese na jin\u00fd web a tady u\u017e uvid\u00edte sami.                                                                                                                                                                                                                                                                                                                                                                                           4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co kdy\u017e nen\u00ed naspo\u0159eno?","item":"https:\/\/www.326.cz\/co-kdyz-neni-nasporeno\/#breadcrumbitem"}]}]