[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.weidler.cz\/proc-jeste-dnes-existuji-nebankovni-hypoteky-a-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.weidler.cz\/proc-jeste-dnes-existuji-nebankovni-hypoteky-a-pujcky\/","headline":"Pro\u010d je\u0161t\u011b dnes existuj\u00ed nebankovn\u00ed hypot\u00e9ky a p\u016fj\u010dky","name":"Pro\u010d je\u0161t\u011b dnes existuj\u00ed nebankovn\u00ed hypot\u00e9ky a p\u016fj\u010dky","description":"Pokud se m\u00e1me rozhodnout, zda si vezmeme p\u016fj\u010dku od banky \u010di nebankovn\u00ed instituce, pak v\u011bt\u0161ina z n\u00e1s bezpochyby zvol\u00ed banku. Pova\u017eujeme ji toti\u017e za solidn\u011bj\u0161\u00ed…","datePublished":"2024-04-13","dateModified":"2024-04-13","author":{"@type":"Person","@id":"https:\/\/www.weidler.cz\/author\/#Person","name":"","url":"https:\/\/www.weidler.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"weidler.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.weidler.cz\/wp-content\/uploads\/hypoteka6_10_10_10_8.png","url":"https:\/\/www.weidler.cz\/wp-content\/uploads\/hypoteka6_10_10_10_8.png","height":0,"width":0},"url":"https:\/\/www.weidler.cz\/proc-jeste-dnes-existuji-nebankovni-hypoteky-a-pujcky\/","about":["Pen\u00edze"],"wordCount":427,"articleBody":"   Pokud se m\u00e1me rozhodnout, zda si vezmeme p\u016fj\u010dku od banky \u010di nebankovn\u00ed instituce, pak v\u011bt\u0161ina z n\u00e1s bezpochyby zvol\u00ed banku. Pova\u017eujeme ji toti\u017e za solidn\u011bj\u0161\u00ed a bezpe\u010dn\u011bj\u0161\u00ed. Koneckonc\u016f, kolik report\u00e1\u017e\u00ed ji\u017e bylo v televizi, kdy se pr\u00e1v\u011b d\u00edky nebankovn\u00edm spole\u010dnostem lid\u00e9 ocitli v je\u0161t\u011b hor\u0161\u00ed finan\u010dn\u00ed situaci ne\u017e p\u0159edt\u00edm, a mnohdy dokonce v exekuci? Rozhodn\u011b nelze \u0159\u00edci, \u017ee v tomto ohledu nejsme varov\u00e1ni.Je proto zaj\u00edmav\u00e9, \u017ee nebankovn\u00ed hypot\u00e9ky a p\u016fj\u010dky nejen st\u00e1le existuj\u00ed, ale maj\u00ed i hodn\u011b z\u00e1kazn\u00edk\u016f. To ostatn\u011b dokl\u00e1daj\u00ed i reklamy, kter\u00e9 v televizi vid\u00edme \u2013 pokud by nebyly pro sv\u00e9 vlastn\u00edky v\u00fdhodn\u00e9, rozhodn\u011b by jich nebylo tolik. To sam\u00e9 plat\u00ed, pokud by nem\u011bli z\u00e1kazn\u00edky. Kdo si je ale bere, kdy\u017e v\u00edme, \u017ee jsou obvykle zna\u010dn\u011b nev\u00fdhodn\u00e9?Nejprve je nutn\u00e9 si uv\u011bdomit, na jakou skupinu lid\u00ed jsou tyto p\u016fj\u010dky c\u00edleny. Z velk\u00e9 \u010d\u00e1sti se jedn\u00e1 o lidi ze soci\u00e1ln\u011b slab\u0161\u00ed vrstvy s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm a p\u0159edev\u0161\u00edm n\u00edzkou finan\u010dn\u00ed gramotnost\u00ed. Ta je ostatn\u011b u n\u00e1s pom\u011brn\u011b velk\u00fdm probl\u00e9mem. Mnohdy toti\u017e znamen\u00e1, \u017ee si nejsme schopni domyslet dlouhodob\u00e9 d\u016fsledky na\u0161ich finan\u010dn\u00edch rozhodnut\u00ed, p\u0159\u00edpadn\u011b je ignorujeme s t\u00edm, \u017ee se to za tu dobu \u201en\u011bjak vy\u0159e\u0161\u00ed\u201c.Na tom pak vyd\u011bl\u00e1vaj\u00ed tyto spole\u010dnosti, kdy\u017e nab\u00edz\u00ed p\u016fj\u010dky se zd\u00e1nliv\u011b n\u00edzk\u00fdm \u00farokem, kde nezmi\u0148uj\u00ed v\u00fd\u0161i nejr\u016fzn\u011bj\u0161\u00edch poplatk\u016f, kter\u00e9 bude z\u00e1kazn\u00edk ka\u017ed\u00fd m\u011bs\u00edc platit, stejn\u011b jako ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. Ta sice mus\u00ed b\u00fdt ze z\u00e1kona v reklam\u011b uvedena, av\u0161ak obvykle ji zde najdeme pouze mal\u00fdm p\u00edsmem a prob\u011bhne tak rychle, \u017ee j\u00ed v podstat\u011b nikdo nestihne p\u0159e\u010d\u00edst.\u0158e\u0161en\u00edm t\u00e9to situace pak nen\u00ed z\u00e1kaz nebankovn\u00edch finan\u010dn\u00edch slu\u017eeb, n\u00fdbr\u017e zv\u00fd\u0161en\u00ed finan\u010dn\u00ed gramotnosti ob\u010dan\u016f. To v\u0161ak nen\u00ed nijak snadn\u00e9, a nav\u00edc se v tomto ohledu prakticky nic nepodnik\u00e1. Ano, na z\u00e1kladn\u00edch \u0161kol\u00e1ch je tomu v\u011bnov\u00e1na jedna \u010di dv\u011b hodiny, av\u0161ak to je velmi m\u00e1lo. Pokud by se situace zlep\u0161ila, zlep\u0161\u00ed se i finan\u010dn\u00ed situace lid\u00ed a tedy i ekonomika st\u00e1tu. A to u\u017e by za to st\u00e1lo.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d je\u0161t\u011b dnes existuj\u00ed nebankovn\u00ed hypot\u00e9ky a p\u016fj\u010dky","item":"https:\/\/www.weidler.cz\/proc-jeste-dnes-existuji-nebankovni-hypoteky-a-pujcky\/#breadcrumbitem"}]}]