{"id":2577,"date":"2023-11-13T23:55:30","date_gmt":"2023-11-13T22:55:30","guid":{"rendered":"https:\/\/ez.cz\/?p=2577"},"modified":"2023-11-13T23:55:31","modified_gmt":"2023-11-13T22:55:31","slug":"pujcka-mimo-financni-system-jak-sehnat-pujcku-od-soukrome-osoby","status":"publish","type":"post","link":"https:\/\/www.ez.cz\/?p=2577","title":{"rendered":"P\u016fj\u010dka mimo finan\u010dn\u00ed syst\u00e9m. Jak sehnat p\u016fj\u010dku od soukrom\u00e9 osoby"},"content":{"rendered":"\n

Vz\u00edt si p\u016fj\u010dku se mnoh\u00fdm lidem p\u0159\u00ed\u010d\u00ed, nebo\u0165 necht\u011bj\u00ed \u017e\u00edt na dluh. \u017divot v\u0161ak p\u0159in\u00e1\u0161\u00ed situace, kdy jsou pen\u00edze nav\u00edc nutn\u00e9. Bu\u010f na pokryt\u00ed ne\u010dekan\u00fdch v\u00fddaj\u016f, nebo v lep\u0161\u00edm p\u0159\u00edpad\u011b na rozumn\u00e9 investice. Kdy si vz\u00edt p\u016fj\u010dku a kdy se rozhodnout pro soukromn\u00edka?<\/strong><\/p>\n\n\n\n

Rozhodnut\u00ed o tom, kdy je dobr\u00e9 si vz\u00edt p\u016fj\u010dku, by m\u011blo b\u00fdt pe\u010dliv\u011b zv\u00e1\u017eeno, proto\u017ee p\u016fj\u010dky mohou m\u00edt dlouhodob\u00fd dopad na finan\u010dn\u00ed situaci. Kdy je rozumn\u00e9 vz\u00edt si p\u016fj\u010dku? Za uv\u011bdom\u011bl\u00e9 finan\u010dn\u00ed rozhodnut\u00ed se d\u00e1 pova\u017eovat koup\u011b nemovitosti nebo rozjezd podnik\u00e1n\u00ed, p\u0159\u00edpadn\u011b investice do n\u011b\u010deho, co m\u00e1 potenci\u00e1l na zv\u00fd\u0161en\u00ed hodnoty. <\/p>\n\n\n\n

D\u00e1le pokud je pot\u0159eba neodkladn\u011b prov\u00e9st opravy na dom\u011b nebo automobilu, m\u016f\u017ee p\u016fj\u010dka pomoci pokr\u00fdt tyto n\u00e1klady, aby nedo\u0161lo k dal\u0161\u00edm probl\u00e9m\u016fm. Naopak p\u016fj\u010dky na dovolenou nebo na v\u00e1no\u010dn\u00ed d\u00e1rky jsou p\u0159inejmen\u0161\u00edm bl\u00e1hov\u00e9. <\/p>\n\n\n\n

V mnoha p\u0159\u00edpadech banka \u017eadatel\u016fm nep\u016fj\u010d\u00ed. A to z d\u016fvodu n\u00edzk\u00e9ho p\u0159\u00edjmu, p\u0159\u00edpadn\u011b pokud ji\u017e z\u00e1jemce o \u00fav\u011br n\u011bkolik dal\u0161\u00edch p\u016fj\u010dek m\u00e1. N\u011bkdy je veden v registru dlu\u017en\u00edk\u016f jako neplati\u010d a m\u00e1 \u0161patnou \u00fav\u011brovou historii. <\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

P\u00edsemn\u00e1 smlouva se v\u0161emi detaily p\u016fj\u010dky je z\u00e1klad. <\/em><\/p>\n\n\n\n

Nen\u00ed-li p\u0159\u00edstup k tradi\u010dn\u00edm bankovn\u00edm p\u016fj\u010dk\u00e1m nebo pokud \u017eadatel pot\u0159ebuje men\u0161\u00ed \u010d\u00e1stku pen\u011bz na kr\u00e1tkodob\u00fd \u00fa\u010del, m\u016f\u017ee b\u00fdt p\u016fj\u010dka od soukrom\u00e9 osoby<\/strong><\/a> dobr\u00fdm zp\u016fsobem, jak z\u00edskat finan\u010dn\u00ed prost\u0159edky. P\u0159esto je d\u016fle\u017eit\u00e9 si uv\u011bdomit n\u011bkolik v\u011bc\u00ed, ne\u017e dojde na p\u016fj\u010den\u00ed pen\u011bz od soukrom\u00e9 osoby<\/strong><\/a>. <\/p>\n\n\n\n

Jako prvn\u00ed se sice nab\u00edz\u00ed nejbli\u017e\u0161\u00ed okol\u00ed, rodina a p\u0159\u00e1tel\u00e9, ov\u0161em ani ti nemusej\u00ed disponovat pot\u0159ebnou \u010d\u00e1stkou a je nutn\u00e9 se obr\u00e1tit na ciz\u00ed osoby, kter\u00e9 takov\u00e9 slu\u017eby poskytuj\u00ed. <\/p>\n\n\n\n

P\u0159ed t\u00edm, ne\u017e bude uzav\u0159ena smlouva o p\u016fj\u010dce, je v\u0161ak d\u016fle\u017eit\u00e9 si pe\u010dliv\u011b promluvit o podm\u00ednk\u00e1ch. To zahrnuje v\u00fd\u0161i p\u016fj\u010dky, \u00farok (pokud bude), dobu splatnosti a jak\u00e9koliv dal\u0161\u00ed d\u016fle\u017eit\u00e9 podm\u00ednky. P\u00edsemn\u00e1 smlouva<\/strong> m\u016f\u017ee b\u00fdt velmi u\u017eite\u010dn\u00e1 pro dodr\u017een\u00ed dohody.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

I mal\u00e9 \u010d\u00e1stky se mohou v ruk\u00e1ch lichv\u00e1\u0159e vy\u0161plhat do astronomick\u00fdch v\u00fd\u0161in. <\/em><\/p>\n\n\n\n

Je d\u016fle\u017eit\u00e9 prov\u011b\u0159it d\u016fv\u011bryhodnost osoby, od kter\u00e9 si \u010dlov\u011bk p\u016fj\u010duje. P\u016fj\u010dky od nezn\u00e1m\u00fdch osob na internetu mohou b\u00fdt riskantn\u00ed. Je dobr\u00e9 pokusit se naj\u00edt n\u011bjak\u00e9 reference nebo doporu\u010den\u00ed od spole\u010dn\u00fdch zn\u00e1m\u00fdch.<\/p>\n\n\n\n

Pozor na lichvu<\/h2>\n\n\n\n

P\u016fj\u010dka od lichv\u00e1\u0159e<\/strong><\/a> je neleg\u00e1ln\u00ed a neetick\u00e1 praxe, kdy jednotlivci nebo organizace poskytuj\u00ed p\u016fj\u010dky s nep\u0159im\u011b\u0159en\u011b vysok\u00fdmi \u00faroky, \u010dasto vyu\u017e\u00edvaj\u00ed zraniteln\u00e9 osoby v nesn\u00e1z\u00edch.<\/p>\n\n\n\n

Lichva je v mnoha zem\u00edch, v\u010detn\u011b \u010cesk\u00e9 republiky, trestn\u00fdm \u010dinem a m\u016f\u017ee m\u00edt v\u00e1\u017en\u00e9 pr\u00e1vn\u00ed n\u00e1sledky pro ty, kte\u0159\u00ed se j\u00ed dopust\u00ed. Je lep\u0161\u00ed hledat leg\u00e1ln\u00ed a etick\u00e9 zp\u016fsoby \u0159e\u0161en\u00ed, jako je konzultace s finan\u010dn\u00edm poradcem nebo vyhled\u00e1n\u00ed ve\u0159ejn\u00fdch program\u016f na pomoc lidem v nouzi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vz\u00edt si p\u016fj\u010dku se mnoh\u00fdm lidem p\u0159\u00ed\u010d\u00ed, nebo\u0165 necht\u011bj\u00ed \u017e\u00edt na dluh. \u017divot v\u0161ak p\u0159in\u00e1\u0161\u00ed situace, kdy jsou pen\u00edze nav\u00edc nutn\u00e9. Bu\u010f na pokryt\u00ed ne\u010dekan\u00fdch v\u00fddaj\u016f, nebo v lep\u0161\u00edm p\u0159\u00edpad\u011b na rozumn\u00e9 investice. Kdy si vz\u00edt p\u016fj\u010dku a kdy se rozhodnout pro soukromn\u00edka? Rozhodnut\u00ed o tom, kdy je dobr\u00e9 si vz\u00edt p\u016fj\u010dku, by m\u011blo b\u00fdt […]<\/p>\n","protected":false},"author":1,"featured_media":2578,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-2577","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2577","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2577"}],"version-history":[{"count":1,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2577\/revisions"}],"predecessor-version":[{"id":2579,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2577\/revisions\/2579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/media\/2578"}],"wp:attachment":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2577"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2577"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2577"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}