[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.frogu.cz\/pujcte-si-penize-jeste-dnes\/#Article","mainEntityOfPage":"https:\/\/www.frogu.cz\/pujcte-si-penize-jeste-dnes\/","headline":"P\u016fj\u010dte si pen\u00edze je\u0161t\u011b dnes","name":"P\u016fj\u010dte si pen\u00edze je\u0161t\u011b dnes","description":"Ekonomika je ve st\u00e1l\u00e9m r\u016fstu. Za to m\u016f\u017ee zejm\u00e9na ukon\u010den\u00ed devalvace \u010desk\u00e9 m\u011bny. To se ve v\u00fdsledku...","datePublished":"2025-03-03","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.frogu.cz\/author\/#Person","name":"","url":"https:\/\/www.frogu.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"frogu.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.frogu.cz\/wp-content\/uploads\/img_a327762_w2589_t1540203138.jpg","url":"https:\/\/www.frogu.cz\/wp-content\/uploads\/img_a327762_w2589_t1540203138.jpg","height":0,"width":0},"url":"https:\/\/www.frogu.cz\/pujcte-si-penize-jeste-dnes\/","wordCount":476,"articleBody":"Ekonomika je ve st\u00e1l\u00e9m r\u016fstu. Za to m\u016f\u017ee zejm\u00e9na ukon\u010den\u00ed devalvace \u010desk\u00e9 m\u011bny. To se ve v\u00fdsledku projevilo v\u00a0mnoha oblastech, zejm\u00e9na pak pozitivn\u011b. Do\u0161lo k\u00a0p\u0159\u00edlivu nov\u00fdch investor\u016f, vznik nov\u00fdch firem, nov\u00e9 pracovn\u00ed p\u0159\u00edle\u017eitosti a jin\u00e9. Krom toho tak\u00e9 koruna pos\u00edlila a sn\u00ed\u017eila tak hodnotu Eura, dolaru a jin\u00fdch dominantn\u00edch m\u011bn.N\u00e1r\u016fst ekonomiky se projevil tak\u00e9 v\u00a0\u00fav\u011brech a bankovn\u00edm syst\u00e9mu celkov\u011b. Ceny p\u016fj\u010dek spadly opravdu n\u00edzko tud\u00ed\u017e nen\u00ed lep\u0161\u00edho obdob\u00ed na p\u016fj\u010dku ne\u017e pr\u00e1v\u011b nyn\u00ed. Ta je vhodn\u00e1 zejm\u00e9na pro rodiny nebo za\u010d\u00ednaj\u00edc\u00ed podnikatele.Pokud mluv\u00edme o rodin\u011b jde hlavn\u011b o my\u0161lenku na budoucnost, kdy se chceme dostat do sv\u00e9ho. V\u00fdstavba domu je ale vysoce n\u00e1kladn\u00e1 z\u00e1le\u017eitost, kterou pr\u016fm\u011brn\u00fd \u010dlov\u011bk nem\u016f\u017ee ze sv\u00e9ho platu ut\u00e1hnout. Tak\u017ee se mus\u00ed obr\u00e1tit na odborn\u00edky, kte\u0159\u00ed mu v\u00a0r\u00e1mci finan\u010dn\u00edho sektoru pom\u016f\u017eou. Je v\u0161ak t\u0159eba m\u00edt se na pozoru a pen\u00edze si p\u016fj\u010dovat pouze pokud nem\u00e1me jinou mo\u017enost, v\u00a0opa\u010dn\u00e9m p\u0159\u00edpad\u011b by se jednalo o hloupost.V\u00a0r\u00e1mci hypot\u00e9ky se tedy m\u016f\u017eeme obr\u00e1tit na dva sektory. T\u00edm prvn\u00edm jsou bankovn\u00ed spole\u010dnosti. Ty n\u00e1m r\u00e1dy poskytnou p\u016fj\u010dku, pokud p\u0159edem stanov\u00edme \u00fa\u010del a spln\u00edme ve\u0161ker\u00e9 podm\u00ednky pro poskytnut\u00ed \u00fav\u011bru. Jde hlavn\u011b o z\u00e1stavu nemovitosti. Pokud nem\u00e1me vlastn\u00ed zastav\u00ed svou ru\u010ditel. U t\u00e9 se odhaduje cena. Nem\u016f\u017eeme v\u0161ak spol\u00e9hat, \u017ee m\u016f\u017eeme z\u00edskat celou c\u00edlovou \u010d\u00e1stku. Banka m\u00e1 sv\u00e9 odborn\u00edky na ur\u010den\u00ed hodnoty a ve v\u00fdsledku poskytnou maxim\u00e1ln\u011b 80 % z\u00a0celkov\u00e9 \u010d\u00e1stky domu.D\u00e1le po\u017eaduj\u00ed tak\u00e9 v\u00fdpis z\u00a0registru dlu\u017en\u00edk\u016f a dolo\u017een\u00ed st\u00e1l\u00e9ho p\u0159\u00edjmu. Jestli pen\u00edze z\u00edsk\u00e1me tedy z\u00e1le\u017e\u00ed pouze na t\u011bchto z\u00e1kladn\u00edch podm\u00ednk\u00e1ch.Na opa\u010dn\u00e9 stran\u011b m\u00e1me pak nebankovn\u00ed spole\u010dnosti. Ty se py\u0161n\u00ed vy\u0161\u0161\u00ed \u00farokem a skryt\u00fdmi poplatky. Obrac\u00ed se na n\u011b, ale hlavn\u011b ti lid\u00e9, kte\u0159\u00ed jsou ji\u017e registrovan\u00ed dlu\u017en\u00edci a nez\u00edskaj\u00ed pen\u00edze u banky. Riziko je zde chr\u00e1n\u011bno vy\u0161\u0161\u00ed \u00farokovou m\u00edrou, kter\u00e1 chr\u00e1n\u00ed banku p\u0159ed p\u0159\u00edpadn\u00fdmi ztr\u00e1tami.V\u00a0ka\u017ed\u00e9m p\u0159\u00edpad\u011b je zapot\u0159eb\u00ed se dob\u0159e rozhodnout, zda pen\u00edze opravdu pot\u0159ebujeme. S\u00a0p\u016fj\u010dkou v\u017edy nast\u00e1v\u00e1 riziko, \u017ee nebudeme schopni p\u016fj\u010dku splatit, a to m\u016f\u017ee v\u00a0krajn\u00edch p\u0159\u00edpadech v\u00e9st a\u017e k\u00a0dluhov\u00e9 pasti.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dte si pen\u00edze je\u0161t\u011b dnes","item":"https:\/\/www.frogu.cz\/pujcte-si-penize-jeste-dnes\/#breadcrumbitem"}]}]