[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.innovatio.cz\/pujcit-nebo-nepujcit\/#Article","mainEntityOfPage":"https:\/\/www.innovatio.cz\/pujcit-nebo-nepujcit\/","headline":"P\u016fj\u010dit nebo nep\u016fj\u010dit?","name":"P\u016fj\u010dit nebo nep\u016fj\u010dit?","description":"Nakolik si u\u017e\u00edv\u00e1te \u017eivota? M\u00e1te nov\u00e9 auto, vlastn\u00ed bydlen\u00ed v rodinn\u00e9m domku a jezd\u00edte na dovolenou k mo\u0159i? M\u00e1te spokojen\u00fd…","datePublished":"2024-01-22","dateModified":"2024-01-22","author":{"@type":"Person","@id":"https:\/\/www.innovatio.cz\/author\/#Person","name":"","url":"https:\/\/www.innovatio.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"innovatio.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.innovatio.cz\/wp-content\/uploads\/money-1428587_640_4.jpg","url":"https:\/\/www.innovatio.cz\/wp-content\/uploads\/money-1428587_640_4.jpg","height":0,"width":0},"url":"https:\/\/www.innovatio.cz\/pujcit-nebo-nepujcit\/","about":["Pen\u00edze"],"wordCount":452,"articleBody":"   Nakolik si u\u017e\u00edv\u00e1te \u017eivota? M\u00e1te nov\u00e9 auto, vlastn\u00ed bydlen\u00ed v rodinn\u00e9m domku a jezd\u00edte na dovolenou k mo\u0159i? M\u00e1te spokojen\u00fd \u017eivot spojen\u00fd s t\u011bmito v\u011bcmi? S v\u011bcmi, kter\u00e9 se daj\u00ed koupit? Nebo bydl\u00edte v podn\u00e1jmu, m\u00e1te auto z autobazaru a na dovolenou jezd\u00edte pod stan po \u010cesk\u00e9 republice. A v\u00edte, \u017ee v tomto druh\u00e9m p\u0159\u00edpad\u011b jste mo\u017en\u00e1 \u0161\u0165astn\u011bj\u0161\u00ed ne\u017e v tom prvn\u00edm? A to hlavn\u011b proto, \u017ee ti s rodinn\u00fdm domkem pravd\u011bpodobn\u011b spl\u00e1cej\u00ed hypot\u00e9ku a auto maj\u00ed mo\u017en\u00e1 na leasing a na dovolenou si berou p\u016fj\u010dku. Nau\u010dili jsme se ne\u0161et\u0159it, ale p\u016fj\u010dovat si pen\u00edze a platit spl\u00e1tky. A pokud n\u00e1m do \u017eivota vstoup\u00ed nemoc nebo vyhazov z pr\u00e1ce, m\u00e1me velk\u00fd probl\u00e9m se spl\u00e1cen\u00edm p\u016fj\u010dek.Pt\u00e1te se sami sebe, zda ne\u017eijeme p\u0159\u00edli\u0161 na dluh? To si mus\u00edte v hlav\u011b dob\u0159e srovnat, zda ano \u010di ne. Osobn\u011b jsem proti tomu, abychom jako rodina brali jakoukoliv p\u016fj\u010dku a na\u0161t\u011bst\u00ed jsme ji nikdy nemuseli vz\u00edt, ale v\u00edm, \u017ee jsme \u0161iroko daleko v\u00fdjimka a mnoho rodin tohle nezvl\u00e1dne a do p\u016fj\u010dek jsou okolnostmi p\u0159itla\u010deni. Ale, opravdu si mus\u00edte br\u00e1t p\u016fj\u010dky t\u0159eba na dovolenou? Opravdu si nem\u016f\u017eete jeden rok odep\u0159\u00edt dovolenou u mo\u0159e a rad\u011bji si na\u0161et\u0159it na p\u0159\u00ed\u0161t\u00ed rok a obej\u00edt se bez p\u016fj\u010dky? \u017d\u00edt bez p\u016fj\u010dek, to mus\u00edte m\u00edt trochu \u0161t\u011bst\u00ed a t\u0159eba zd\u011bdit byt nebo domek. Nebo m\u00edt rodi\u010de, kte\u0159\u00ed v\u00e1m od mali\u010dka \u0161et\u0159\u00ed stavebn\u00ed spo\u0159en\u00ed a vy, a\u017e za\u010dnete vyd\u011bl\u00e1vat k tomu p\u0159id\u00e1te dal\u0161\u00ed \u010d\u00e1st, a pak spolu se sv\u00fdm partnerem mo\u017en\u00e1 na koupi bytu u\u017e s n\u011bjakou ni\u017e\u0161\u00ed hypot\u00e9kou dos\u00e1hnete a nebudete muset spl\u00e1cet dal\u0161\u00edch 30 let horentn\u00ed sumy. St\u00e1t se m\u016f\u017ee cokoliv a hypot\u00e9ka je v\u017edy z\u00e1t\u011b\u017e pro rodinn\u00fd rozpo\u010det.Mo\u017en\u00e1 um\u00edte \u017e\u00edt na dluh a ka\u017ed\u00fd m\u011bs\u00edc poctiv\u011b spl\u00e1cet. Mo\u017en\u00e1 jste si mysleli, \u017ee zvl\u00e1dnete spl\u00e1cet a m\u00edsto toho se za\u010d\u00edn\u00e1te dost\u00e1vat mezi neplati\u010de. V tom p\u0159\u00edpad\u011b rychle \u0159e\u0161te \u00fapravu spl\u00e1tek, proto\u017ee nikdo, kdo v\u00e1m pen\u00edze p\u016fj\u010dil nebude v\u00e1hat, a bude po v\u00e1s spl\u00e1tky vym\u00e1hat. A to nikdy nen\u00ed po dobr\u00e9m.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dit nebo nep\u016fj\u010dit?","item":"https:\/\/www.innovatio.cz\/pujcit-nebo-nepujcit\/#breadcrumbitem"}]}]