[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tlor.cz\/kde-vzit-penize\/#Article","mainEntityOfPage":"https:\/\/www.tlor.cz\/kde-vzit-penize\/","headline":"Kde vz\u00edt pen\u00edze?","name":"Kde vz\u00edt pen\u00edze?","description":"Co bych d\u011blal, kdybych nem\u011bl pen\u00edze? Tot\u00e9\u017e, co jist\u011b i vy. Prost\u011b bych si zoufal. A kdyby byl takov\u00fd nedostatek p\u0159\u00edli\u0161 citeln\u00fd a nezvladateln\u00fd, nen\u00ed vylou\u010deno, \u017ee bych to se sebou t\u0159eba i p\u0159ed\u010dasn\u011b skoncoval, jenom abych se vyhnul naprosto bezprizorn\u00edmu \u017eivotu, ke kter\u00e9mu bych byl nedostatkem pen\u011bz p\u0159inucen. Prost\u011b … ","datePublished":"2025-08-18","dateModified":"2025-08-18","author":{"@type":"Person","@id":"https:\/\/www.tlor.cz\/author\/#Person","name":"tlor.cz\n","url":"https:\/\/www.tlor.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tlor.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tlor.cz\/wp-content\/uploads\/pp_10_10_10_10_10_10_10_10_10_9.jpg","url":"https:\/\/www.tlor.cz\/wp-content\/uploads\/pp_10_10_10_10_10_10_10_10_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.tlor.cz\/kde-vzit-penize\/","about":["Ekonomika"],"wordCount":409,"articleBody":"      Co bych d\u011blal, kdybych nem\u011bl pen\u00edze? Tot\u00e9\u017e, co jist\u011b i vy. Prost\u011b bych si zoufal. A kdyby byl takov\u00fd nedostatek p\u0159\u00edli\u0161 citeln\u00fd a nezvladateln\u00fd, nen\u00ed vylou\u010deno, \u017ee bych to se sebou t\u0159eba i p\u0159ed\u010dasn\u011b skoncoval, jenom abych se vyhnul naprosto bezprizorn\u00edmu \u017eivotu, ke kter\u00e9mu bych byl nedostatkem pen\u011bz p\u0159inucen. Prost\u011b bych mo\u017en\u00e1 d\u011blal i hrozn\u00e9 v\u011bci, kdybych nem\u011bl pen\u00edze aspo\u0148 na pokryt\u00ed t\u011bch nejnutn\u011bj\u0161\u00edch \u017eivotn\u00edch n\u00e1klad\u016f. Proto\u017ee pen\u00edze jsou tu natolik v\u00fdznamn\u00e9, \u017ee bez nich prost\u011b nelze b\u00fdt. Ale proto\u017ee jsem slu\u0161n\u00fd \u010dlov\u011bk, nepustil bych se do p\u00e1ch\u00e1n\u00ed finan\u010dn\u011b motivovan\u00fdch hloupost\u00ed \u010di lump\u00e1ren hned. P\u0159ece jenom bych si je nechal a\u017e jako posledn\u00ed mo\u017en\u00e9 \u0159e\u0161en\u00ed. A nejd\u0159\u00edve bych zkusil n\u011bco jin\u00e9ho. Zkusil bych je\u0161t\u011b o n\u011bco v\u00edc pracovat, kdyby to bylo mo\u017en\u00e9, uskromnil bych se, jak by to jenom \u0161lo, a doufal bych, \u017ee to bude sta\u010dit. A kdyby to nesta\u010dilo, pak bych si je\u0161t\u011b zkusil vz\u00edt p\u016fj\u010dku. Jen\u017ee v\u00edte vy v\u016fbec, kde bych pot\u0159ebnou p\u016fj\u010dku sehnal? Pokud si mysl\u00edte, \u017ee v bance, pak m\u011b pova\u017eujete za \u010dlov\u011bka s docela vysok\u00fdmi p\u0159\u00edjmy a \u010dist\u00fdmi registry dlu\u017en\u00edk\u016f, kter\u00fd je v dobr\u00e9 ekonomick\u00e9 situaci a jen do\u010dasn\u011b klop\u00fdtnul. Proto\u017ee n\u011bkomu takov\u00e9mu v bance p\u016fj\u010d\u00ed. Ale co kdybych tak bonitn\u00ed nebyl? To by mi v bance nevyhov\u011bli. Odm\u00edtli by m\u011b, proto\u017ee by si nebyli jisti t\u00edm, zda jim vyp\u016fj\u010den\u00e9 pen\u00edze vr\u00e1t\u00edm. A co d\u00e1l? Pak u\u017e by mi zbyl z\u0159ejm\u011b jen nebankovn\u00ed sektor. Kde by mi mohli vyhov\u011bt, kdybych m\u011bl nemovitost a uch\u00e1zel se o nebankovn\u00ed hypot\u00e9ku. Proto\u017ee nebankovn\u00ed hypot\u00e9ka je tu pro ty, kdo mohou ru\u010dit z\u00e1stavou nemovitosti. A klidn\u011b i pro ty, kdo nejsou podle bank p\u016fj\u010dek hodni. S takovou z\u00e1rukou bych tu toti\u017e jist\u011b usp\u011bl. \u010c\u00edm\u017e se stala americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f sp\u00e1sou mnoha lid\u00ed, nejenom m\u011b. Mnoh\u00fdm lidem zajistila solventnost i tehdy, kdy\u017e na tom byli bled\u011b. A pom\u016f\u017ee i dal\u0161\u00edm z n\u00e1s.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde vz\u00edt pen\u00edze?","item":"https:\/\/www.tlor.cz\/kde-vzit-penize\/#breadcrumbitem"}]}]