[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kkhulin.cz\/s-penezi-se-musi-hospodarit-chytre\/#Article","mainEntityOfPage":"https:\/\/www.kkhulin.cz\/s-penezi-se-musi-hospodarit-chytre\/","headline":"S pen\u011bzi se mus\u00ed hospoda\u0159it chyt\u0159e","name":"S pen\u011bzi se mus\u00ed hospoda\u0159it chyt\u0159e","description":"V podstat\u011b by se dalo \u0159\u00edci, \u017ee p\u016fj\u010dky, spl\u00e1tky a snad i dluhy jsou v \u017eivot\u011b na\u0161\u00ed b\u011b\u017enou sou\u010d\u00e1st\u00ed. N\u011bkoho se dot\u00fdkaj\u00ed jen tak z doslechu, ale n\u011bkdo je jejich p\u0159\u00edm\u00fdm \u00fa\u010dastn\u00edkem. Nejhor\u0161\u00ed obdob\u00ed, kdy se s nimi setk\u00e1v\u00e1me, je <a class=\"more-link\" href=\"https:\/\/www.kkhulin.cz\/s-penezi-se-musi-hospodarit-chytre\/\">P\u0159e\u010d\u00edst<\/a>","datePublished":"2019-07-15","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.kkhulin.cz\/author\/#Person","name":"","url":"https:\/\/www.kkhulin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/96681f32407e92907e886055c80be666fea9980585e3d74d58609948dcc5acbb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/96681f32407e92907e886055c80be666fea9980585e3d74d58609948dcc5acbb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kkhulin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kkhulin.cz\/wp-content\/uploads\/img_a355771_w3827_t1570430406.jpg","url":"https:\/\/www.kkhulin.cz\/wp-content\/uploads\/img_a355771_w3827_t1570430406.jpg","height":0,"width":0},"url":"https:\/\/www.kkhulin.cz\/s-penezi-se-musi-hospodarit-chytre\/","about":["Pen\u00edze"],"wordCount":519,"articleBody":"             V podstat\u011b by se dalo \u0159\u00edci, \u017ee p\u016fj\u010dky, spl\u00e1tky a snad i dluhy jsou v \u017eivot\u011b na\u0161\u00ed b\u011b\u017enou sou\u010d\u00e1st\u00ed. N\u011bkoho se dot\u00fdkaj\u00ed jen tak z doslechu, ale n\u011bkdo je jejich p\u0159\u00edm\u00fdm \u00fa\u010dastn\u00edkem. Nejhor\u0161\u00ed obdob\u00ed, kdy se s nimi setk\u00e1v\u00e1me, je \u010das dovolen\u00fdch a V\u00e1noc. P\u0159ece jenom nen\u00ed nutn\u00e9 upadat do dluhov\u00fdch past\u00ed, kter\u00e9 na n\u00e1s koukaj\u00ed v podob\u011b mil\u00e9 a l\u00e1kav\u00e9 tv\u00e1\u0159e. Dokonce bychom jim nem\u011bli v\u011b\u0159it ani tehdy, kdy\u017e se tv\u00e1\u0159\u00ed tak nevinn\u011b v pom\u011brn\u011b mal\u00fdch v\u00fd\u0161k\u00e1ch. Abychom se nedostali v\u016fbec do takov\u00e9to situace, kter\u00e9 bychom mohli pozd\u011bji litovat, tak je t\u0159eba si udr\u017eet st\u00e1l\u00fd p\u0159ehled o na\u0161\u00ed finan\u010dn\u00ed situaci a pokud se p\u0159ece jenom objev\u00ed n\u011bjak\u00e1 nep\u0159edv\u00eddateln\u00e1 situace, tak si p\u016fj\u010dit od prov\u011b\u0159en\u00e9 instituce.  Nikdy bychom nem\u011bli podce\u0148ovat mal\u00e9 p\u016fj\u010dky To ov\u0161em neplat\u00ed jen na rychlou a malou p\u016fj\u010dku po telefonu nebo od n\u011bjak\u00e9 neprov\u011b\u0159en\u00e9 spole\u010dnosti. Tady jsou zahrnuty i nedoplatky nebo pozd\u011bj\u0161\u00ed platby. Mnohdy je odlo\u017e\u00edme v dobr\u00e9m \u00famyslu, \u017ee zaplat\u00edme pozd\u011bji a ejhle, n\u011bjak se n\u00e1m to pro b\u011b\u017en\u00e9 starosti vytrousilo z pam\u011bti. Probl\u00e9my tak nar\u016fstaj\u00ed a dokonce to m\u016f\u017ee kon\u010dit exekuc\u00ed. \u017de to je p\u0159ehnan\u00e9? Ano mo\u017en\u00e1, kdy\u017e o tom budeme takto n\u011bkde \u010d\u00edst, tak ano. Ale v\u011bt\u0161inou dluh je okolo p\u00e1r tis\u00edc korun a \u00farokov\u00e9 sazby z pen\u00e1le tomu dodaj\u00ed korunu. Tady kon\u010d\u00ed legrace a p\u0159ecen\u011bn\u00ed sil m\u016f\u017ee dov\u00e9st a\u017e ke ztr\u00e1t\u011b vlastn\u00edho domu. Jak z toho ven? Banky n\u00e1m nep\u016fj\u010d\u00ed, u dal\u0161\u00ed neprov\u011b\u0159en\u00e9 spole\u010dnosti ani n\u00e1hodou, m\u00e1me sv\u00e9 zku\u0161enosti. Probl\u00e9m je i u nebankovn\u00ed spole\u010dnosti a te\u010f u\u017e skute\u010dn\u011b nen\u00ed \u017e\u00e1dn\u00e9 \u0159e\u0161en\u00ed. Nebo ano?   Leasing nemovitost\u00ed je \u0159e\u0161en\u00ed Tak takov\u00fd n\u00e1zev asi t\u011b\u017eko n\u011bkde v bankovn\u00ed terminologii nalezneme, ale stejn\u011b je to hezk\u00e9, kdy\u017e v\u00e1m n\u011bkdo nab\u00eddne pomoc se slovy: \u201eZp\u011btn\u00fd leasing nemovitost\u00ed financujeme a\u017e 70% z ceny nemovitosti na dobu 30 let.\u201c Potom je tu \u0159e\u0161en\u00ed. Jak na to? Sta\u010d\u00ed svoji nemovitost nab\u00eddnout k prodeji, co n\u00e1s m\u016f\u017ee \u010dekat, to vid\u00edme, je to slibn\u00e1 \u010d\u00e1stka i doba spl\u00e1cen\u00ed. Jenom\u017ee nikam se nest\u011bhujeme a bydl\u00edme d\u00e1l ve sv\u00e9m dom\u011b. Splat\u00edme dluhy a zalep\u00edme v\u0161echny finan\u010dn\u00ed d\u00edry, kter\u00fdmi by mohl p\u0159ij\u00edt zase pr\u016fvan. Pot\u00e9 za\u010dneme \u0161et\u0159it pen\u00edze. Na co? No p\u0159ece na n\u00e1\u0161 domov, kter\u00fd jsme na chv\u00edli nechali n\u011bkomu jin\u00e9mu, p\u0159irozen\u011b jen pap\u00edrov\u011b. Pot\u00e9 si ho koup\u00edme zp\u011bt a vlastn\u011b se pro n\u00e1s zase tolik nezm\u011bnilo. Ale po druh\u00e9 by to ji\u017e nemuselo vyj\u00edt, tak s pen\u011bzi jen chyt\u0159e.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S pen\u011bzi se mus\u00ed hospoda\u0159it chyt\u0159e","item":"https:\/\/www.kkhulin.cz\/s-penezi-se-musi-hospodarit-chytre\/#breadcrumbitem"}]}]