[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.n-joy.cz\/s-chytrou-pujckou-muzete-umorit-i-neprijemne-dluhy\/#Article","mainEntityOfPage":"https:\/\/www.n-joy.cz\/s-chytrou-pujckou-muzete-umorit-i-neprijemne-dluhy\/","headline":"S chytrou p\u016fj\u010dkou m\u016f\u017eete umo\u0159it i nep\u0159\u00edjemn\u00e9 dluhy","name":"S chytrou p\u016fj\u010dkou m\u016f\u017eete umo\u0159it i nep\u0159\u00edjemn\u00e9 dluhy","description":"M\u00e1te zrovna hluboko do kapsy, a p\u0159esto byste si pot\u0159ebovali po\u0159\u00e1dn\u011b oddechnout? Nen\u00ed divu, nez\u0159\u00eddka se st\u00e1v\u00e1, \u017ee a\u010d \u010dlov\u011bk pracuje, co mu s\u00edly sta\u010d\u00ed, tak m\u00e1 k po\u0159\u00e1dn\u00e9mu v\u00fdd\u011blku hodn\u011b daleko. Jen\u017ee probl\u00e9m je v tom, \u017ee i kdy\u017e na pen\u00edze si leckdy mus\u00edme dlouho po\u010dkat, tak v\u011bci, kter\u00e9 bychom m\u011bli zaplatit, rozhodn\u011b nepo\u010dkaj\u00ed. […]","datePublished":"2018-10-15","dateModified":"2024-06-28","author":{"@type":"Person","@id":"https:\/\/www.n-joy.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.n-joy.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"n-joy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a327613_w1699_t1539934371.jpg","url":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a327613_w1699_t1539934371.jpg","height":0,"width":0},"url":"https:\/\/www.n-joy.cz\/s-chytrou-pujckou-muzete-umorit-i-neprijemne-dluhy\/","about":["Finance"],"wordCount":443,"articleBody":"                            M\u00e1te zrovna hluboko do kapsy, a p\u0159esto byste si pot\u0159ebovali po\u0159\u00e1dn\u011b oddechnout? Nen\u00ed divu, nez\u0159\u00eddka se st\u00e1v\u00e1, \u017ee a\u010d \u010dlov\u011bk pracuje, co mu s\u00edly sta\u010d\u00ed, tak m\u00e1 k po\u0159\u00e1dn\u00e9mu v\u00fdd\u011blku hodn\u011b daleko. Jen\u017ee probl\u00e9m je v tom, \u017ee i kdy\u017e na pen\u00edze si leckdy mus\u00edme dlouho po\u010dkat, tak v\u011bci, kter\u00e9 bychom m\u011bli zaplatit, rozhodn\u011b nepo\u010dkaj\u00ed. T\u00edm sp\u00ed\u0161e, pokud se jedn\u00e1 o n\u011bjak\u00e9 nep\u0159\u00edjemn\u00e9 z\u00e1vazky z minulosti. T\u0159eba se i v\u00e1m stalo, \u017ee jste se n\u011bkdy ocitli ve finan\u010dn\u00ed nouzi, a tak jste ud\u011blali hloupost v tom smyslu, \u017ee jste si p\u016fj\u010dili pen\u00edze, ani\u017e byste si dob\u0159e spo\u010d\u00edtali, co v\u00e1s to v\u0161echno nakonec bude st\u00e1t. A nyn\u00ed u\u017e se va\u0161e dlu\u017en\u00e1 \u010d\u00e1stka \u0161plh\u00e1 do astronomick\u00e9 v\u00fd\u0161e a exekutor v\u00e1m pomalu klepe na dve\u0159e. V tom p\u0159\u00edpad\u011b je ten nejvy\u0161\u0161\u00ed \u010das, abyste podnikli, co se d\u00e1 a ud\u011blali v\u0161echno proto, abyste se takov\u00e9ho dluhu zbavili. Je jasn\u00e9, \u017ee jeden dluh m\u016f\u017eete smazat jedin\u011b t\u00edm, \u017ee si jinde ud\u011bl\u00e1te druh\u00fd. Jen m\u00e1lokdo m\u00e1 tolik \u0161t\u011bst\u00ed, aby vyhr\u00e1l v\u0161echny pot\u0159ebn\u00e9 pen\u00edze v loterii, anebo aby zd\u011bdil cel\u00e9 jm\u011bn\u00ed po n\u011bjak\u00e9m bohat\u00e9m p\u0159\u00edbuzn\u00e9m. V\u011bt\u0161in\u011b lid\u00ed zkr\u00e1tka nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e aby si na splacen\u00ed sv\u00e9ho dluhu ve\u0161ker\u00e9 pot\u0159ebn\u00e9 pen\u00edze pomalu vyd\u011blali. Jen\u017ee je jasn\u00e9, \u017ee to nejde jen tak ze dne na den, a to, co mus\u00edte ud\u011blat v prvn\u00ed \u0159ad\u011b, je za\u0159\u00eddit, abyste neskon\u010dili v exekuci. Takovou nep\u0159\u00edjemnou situaci m\u016f\u017eete hrav\u011b vy\u0159e\u0161it s pomoc\u00ed americk\u00e9 hypot\u00e9ky nebankovn\u00ed. Mo\u017en\u00e1 u\u017e jste se sv\u00fdm probl\u00e9mem zav\u00edtali do banky, ale pokud ne, tak to ani nezkou\u0161ejte. V takov\u00e9m p\u0159\u00edpad\u011b, jako je ten v\u00e1\u0161, v\u00e1m banka pen\u00edze zaru\u010den\u011b nep\u016fj\u010d\u00ed. Mnoho starost\u00ed si ov\u0161em m\u016f\u017eete u\u0161et\u0159it, pokud se rovnou obr\u00e1t\u00edte na nebankovn\u00ed spole\u010dnost. Je pravda, \u017ee jej\u00ed p\u016fj\u010dka bude m\u00edt o n\u011bco vy\u0161\u0161\u00ed \u00faroky, ale vzhledem k tomu, \u017ee se jedn\u00e1 o jedinou rozumnou mo\u017enost, jak p\u0159edej\u00edt nep\u0159\u00edjemn\u00fdm n\u00e1sledk\u016fm, tak nen\u00ed nad \u010d\u00edm v\u00e1hat. Pokud si p\u016fj\u010d\u00edte rozumnou finan\u010dn\u00ed \u010d\u00e1stku a budete spolehliv\u011b dodr\u017eovat spl\u00e1tkov\u00fd kalend\u00e1\u0159, tak se nem\u00e1te \u010deho b\u00e1t.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S chytrou p\u016fj\u010dkou m\u016f\u017eete umo\u0159it i nep\u0159\u00edjemn\u00e9 dluhy","item":"https:\/\/www.n-joy.cz\/s-chytrou-pujckou-muzete-umorit-i-neprijemne-dluhy\/#breadcrumbitem"}]}]