[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.apdm.cz\/pujcky-jen-pro-bohate-kteri-je-nepotrebuji\/#Article","mainEntityOfPage":"https:\/\/www.apdm.cz\/pujcky-jen-pro-bohate-kteri-je-nepotrebuji\/","headline":"P\u016fj\u010dky jen pro bohat\u00e9, kte\u0159\u00ed je nepot\u0159ebuj\u00ed?","name":"P\u016fj\u010dky jen pro bohat\u00e9, kte\u0159\u00ed je nepot\u0159ebuj\u00ed?","description":"\u010clov\u011bk m\u00e1 mnohdy pocit, \u017ee k tomu, aby dos\u00e1hnul na p\u016fj\u010dku, by m\u011bl m\u00edt v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b p\u0159\u00edjmy jako kr\u00e1l. Jen\u017ee kdyby je takov\u00e9 opravdu m\u011bl, pak by u\u017e p\u016fj\u010dku nepot\u0159eboval \u2013 to je p\u0159ece rozumn\u00e9, ne? Proto je divn\u00e9, \u017ee k tomu, abyste v bance usp\u011bli se \u017e\u00e1dost\u00ed o p\u016fj\u010dku, mus\u00edte m\u00edt vy\u0161\u0161\u00ed ne\u017e ... <a title=\"P\u016fj\u010dky jen pro bohat\u00e9, kte\u0159\u00ed je nepot\u0159ebuj\u00ed?\" class=\"read-more\" href=\"https:\/\/www.apdm.cz\/pujcky-jen-pro-bohate-kteri-je-nepotrebuji\/\">Read more<span class=\"screen-reader-text\">P\u016fj\u010dky jen pro bohat\u00e9, kte\u0159\u00ed je nepot\u0159ebuj\u00ed?<\/span><\/a>","datePublished":"2020-02-15","dateModified":"2020-02-15","author":{"@type":"Person","@id":"https:\/\/www.apdm.cz\/author\/#Person","name":"","url":"https:\/\/www.apdm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"apdm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.apdm.cz\/wp-content\/uploads\/img_a380027_w4324_t1591617579.jpg","url":"https:\/\/www.apdm.cz\/wp-content\/uploads\/img_a380027_w4324_t1591617579.jpg","height":0,"width":0},"url":"https:\/\/www.apdm.cz\/pujcky-jen-pro-bohate-kteri-je-nepotrebuji\/","about":["Ekonomika"],"wordCount":432,"articleBody":"   \u010clov\u011bk m\u00e1 mnohdy pocit, \u017ee k tomu, aby dos\u00e1hnul na p\u016fj\u010dku, by m\u011bl m\u00edt v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b p\u0159\u00edjmy jako kr\u00e1l. Jen\u017ee kdyby je takov\u00e9 opravdu m\u011bl, pak by u\u017e p\u016fj\u010dku nepot\u0159eboval \u2013 to je p\u0159ece rozumn\u00e9, ne? Proto je divn\u00e9, \u017ee k tomu, abyste v bance usp\u011bli se \u017e\u00e1dost\u00ed o p\u016fj\u010dku, mus\u00edte m\u00edt vy\u0161\u0161\u00ed ne\u017e nadpr\u016fm\u011brn\u00e9 p\u0159\u00edjmy a minim\u00e1ln\u00ed v\u00fddaje. Takov\u00fdch lid\u00ed je ve spole\u010dnosti pom\u011brn\u011b m\u00e1lo. A ti, kdo k nim pat\u0159\u00ed, p\u016fj\u010dky zpravidla nepot\u0159ebuj\u00ed \u2013 leda tak k tomu, aby je\u0161t\u011b v\u00edce roz\u0161\u00ed\u0159ili sv\u016fj majetek, ale ur\u010dit\u011b si nepot\u0159ebuj\u00ed p\u016fj\u010dovat pen\u00edze proto, aby vy\u0159e\u0161ili sv\u00e9 z\u00e1kladn\u00ed \u017eivotn\u00ed pot\u0159eby, jako je nap\u0159\u00edklad bydlen\u00ed.  A\u0165 u\u017e si chcete p\u016fj\u010dit na cokoli, je dost pravd\u011bpodobn\u00e9, \u017ee naraz\u00edte na pot\u00ed\u017ee s bonitou. O co jde? P\u016fj\u010dku m\u016f\u017ee z\u00edskat pouze \u017eadatel, kter\u00fd je bonitn\u00ed \u2013 to znamen\u00e1, \u017ee budouc\u00ed \u00fav\u011br dok\u00e1\u017ee spl\u00e1cet, proto\u017ee m\u00e1 dostate\u010dn\u011b vysok\u00e9 p\u0159\u00edjmy a nep\u0159\u00edli\u0161 vysok\u00e9 pravideln\u00e9 v\u00fddaje. To plat\u00ed, a\u0165 u\u017e o \u00fav\u011br po\u017e\u00e1d\u00e1te kdekoli \u2013 povinnost prov\u011b\u0159it bonitu \u017eadatele je dan\u00e1 ze z\u00e1kona. Jen\u017ee konkr\u00e9tn\u00ed v\u00fdpo\u010det bonity se m\u016f\u017ee li\u0161it \u2013 z\u00e1le\u017e\u00ed jen na samotn\u00e9m poskytovateli, jak va\u0161i finan\u010dn\u00ed situaci posoud\u00ed. Tak\u017ee zat\u00edmco banky jsou tak p\u0159\u00edsn\u00e9, \u017ee jejich n\u00e1rok\u016fm dok\u00e1\u017ee vyhov\u011bt jen m\u00e1lokdo, nebankovn\u00ed spole\u010dnosti jsou v tomto sm\u011bru pom\u011brn\u011b p\u0159\u00edstupn\u00e9, jsou ochotn\u00e9 u\u0161\u00edt v\u00e1m p\u016fj\u010dku na m\u00edru, a tak\u00e9 ledacos tolerovat. Konkr\u00e9tn\u011b je pro v\u0161echny \u017eadatele, kte\u0159\u00ed maj\u00ed pot\u00ed\u017ee s financemi, ur\u010dena hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu. Pro v\u0161echny, kdo bojuj\u00ed s bonitou, je jej\u00ed n\u00e1zev opravdu l\u00e1kav\u00fd. Ov\u0161em nenechte se m\u00fdlit, je to jen prvn\u00ed dojem. Tak jako v\u0161ude jinde, i zde budete muset dolo\u017eit, jak si na tom se sv\u00fdmi financemi stoj\u00edte. Mo\u017en\u00e9 je tolerovat ledasco, ov\u0161em pokud bude z\u0159ejm\u00e9, \u017ee by se mohlo st\u00e1t, \u017ee v\u00e1s p\u016fj\u010dka a jej\u00ed spl\u00e1tky polo\u017e\u00ed na lopatky, tak ji nez\u00edsk\u00e1te. Hlavn\u00edm c\u00edlem je \u017eadatel\u016fm po finan\u010dn\u00ed str\u00e1nce pomoci, a ne st\u00e1hnout je na dno.                                                                                                                                                                                                                                                                                                                                                                                                  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