[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.orfest.cz\/penize-a-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.orfest.cz\/penize-a-pujcky\/","headline":"Pen\u00edze a p\u016fj\u010dky.","name":"Pen\u00edze a p\u016fj\u010dky.","description":"Nikdo ji\u017e asi nezjist\u00ed, kdy a kdo provedl finan\u010dn\u00ed machinaci zvanou p\u016fj\u010dka. Fakt je prost\u011b ten, \u017ee je to jen … ","datePublished":"2020-11-16","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.orfest.cz\/author\/devene\/#Person","name":"orfest.cz","url":"https:\/\/www.orfest.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"orfest.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.orfest.cz\/wp-content\/uploads\/bankovky_3.jpg","url":"https:\/\/www.orfest.cz\/wp-content\/uploads\/bankovky_3.jpg","height":0,"width":0},"url":"https:\/\/www.orfest.cz\/penize-a-pujcky\/","about":["Finance"],"wordCount":440,"articleBody":"           Nikdo ji\u017e asi nezjist\u00ed, kdy a kdo provedl finan\u010dn\u00ed machinaci zvanou p\u016fj\u010dka. Fakt je prost\u011b ten, \u017ee je to jen prost\u0159edek pro urychlen\u00ed p\u0159\u00e1n\u00ed. Netu\u0161\u00edm kolik procent lid\u00ed si p\u016fj\u010duje jen proto a kolik jen z nutnosti. Ov\u0161em v\u011bt\u0161ina pen\u011bz p\u016fj\u010dek jde na auta a domy a je jedno zda se tomu \u0159\u00edk\u00e1 hypot\u00e9ka, nebo n\u011bjak jinak. Mlad\u00e1 rodina chce auto, a ne oby\u010dejn\u00e9 za p\u00e1r \u0161up\u016f, tak si vy\u0159\u00edd\u00ed p\u016fj\u010dku. Nad\u0161en\u00ed nezn\u00e1 mez\u00ed, p\u016fj\u010dka se zpo\u010d\u00e1tku spl\u00e1c\u00ed, ale pak p\u0159ijde d\u00edt\u011b, nebo ztr\u00e1ta zam\u011bstn\u00e1n\u00ed a je to tady. Nepo\u0161le se prvn\u00ed spl\u00e1tka, v\u0161ak je to jen jedna hned pak zaplat\u00edme ob\u011b, a koloto\u010d se za\u010d\u00edn\u00e1 rozj\u00ed\u017ed\u011bt. Ne\u0161la-li zaplatit jedna, dv\u011b u\u017e p\u016fjdou sotva. Dluh nar\u016fst\u00e1, spole\u010dnost, kter\u00e1 p\u016fj\u010dila v\u011bc urguje, ale bezv\u00fdsledn\u011b. Teprve dopis, ve kter\u00e9m se ji\u017e hovo\u0159\u00ed o soudu a exekuci p\u0159inut\u00ed dlu\u017en\u00edka k zamy\u0161len\u00ed a co to? On si vezme p\u016fj\u010dku jinou, aby zaplatil n\u011bco z t\u00e9 prvn\u00ed a pokud je n\u011bkdo bl\u00e1zen a p\u016fj\u010d\u00ed mu zase, u\u017e z tohoto koloto\u010de nevysedne. Kde nastala prvotn\u00ed chyba v tomto stadiu ji\u017e nikdo neposuzuje. Zda to bylo opravdu tak nutn\u00e9, to auto, nebo zda nezaplacen\u00ed prvn\u00ed spl\u00e1tky. Ono je to u\u017e stejn\u011b jedno, tak co. A nen\u00ed z toho \u00faniku. Jen\u017ee ono z toho \u00faniku je a nen\u00ed to nic slo\u017eit\u00e9ho. Jen to chce trp\u011blivost. A v ka\u017ed\u00e9m p\u0159\u00edpad\u011b komunikaci s ob\u011bma v\u011b\u0159iteli, proto\u017ee u toho t\u0159et\u00edho m\u016f\u017eete prov\u00e9st konsolidaci. \u017de nev\u00edte, co to ciz\u00ed slovo znamen\u00e1? Nevad\u00ed. Zde v tomto p\u0159\u00edpad\u011b si to \u0159ekneme jednodu\u0161e. Konsolidace p\u016fj\u010dek je jejich spojen\u00ed dohromady v jednou jedinou. T\u00edm p\u00e1dem dlu\u017en\u00edk dlu\u017e\u00ed pouze jedn\u00e9 spole\u010dnosti a ne n\u011bkolika. Tak\u017ee mu jednak odpadaj\u00ed starosti a jednak, a to je nejv\u011bt\u0161\u00ed plus, zaplat\u00ed ve v\u00fdsledku m\u00e9n\u011b. Ne, nestane se to, \u017ee by n\u011bkomu nemusel zaplatit co dlu\u017e\u00ed, ale platit troje \u00faroky a jedny to je n\u011bkdy hodn\u011b velk\u00fd rozd\u00edl. Ostatn\u011b \u010dlov\u011bk ani nemus\u00ed b\u00fdt v t\u00edsniv\u00e9 situaci, jak pops\u00e1no v\u00fd\u0161e, ale m\u016f\u017ee konsolidace vyu\u017e\u00edt i tehdy, pokud m\u00e1 p\u016fj\u010dky u v\u00edce instituc\u00ed. A nelze ne\u017e to v\u0159ele doporu\u010dit.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze a p\u016fj\u010dky.","item":"https:\/\/www.orfest.cz\/penize-a-pujcky\/#breadcrumbitem"}]}]