[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/allcb.cz\/chybi-vam-penize\/#Article","mainEntityOfPage":"https:\/\/allcb.cz\/chybi-vam-penize\/","headline":"Chyb\u00ed v\u00e1m pen\u00edze?","name":"Chyb\u00ed v\u00e1m pen\u00edze?","description":"Posledn\u00ed dva roky u n\u00e1s v\u0161echno zdra\u017euje a neust\u00e1le roste inflace. Je to probl\u00e9m, proto\u017ee kv\u016fli tomu lidem nesta\u010d\u00ed jejich p\u0159\u00edjmy k pokryt\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb, jako je bydlen\u00ed, j\u00eddlo a l\u00e9ky. Je to \u0161\u00edlen\u00e1 situace, ze kter\u00e9 mnoho lid\u00ed nevid\u00ed cestu ven. N\u011bkte\u0159\u00ed z nich si vzali i druhou pr\u00e1ci nebo brig\u00e1du, co\u017e je […]","datePublished":"2024-06-11","dateModified":"2024-06-11","author":{"@type":"Person","@id":"https:\/\/allcb.cz\/author\/#Person","name":"","url":"https:\/\/allcb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"allcb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/allcb.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386433_3.jpg","url":"https:\/\/allcb.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386433_3.jpg","height":0,"width":0},"url":"https:\/\/allcb.cz\/chybi-vam-penize\/","about":["Pen\u00edze"],"wordCount":399,"articleBody":"       Posledn\u00ed dva roky u n\u00e1s v\u0161echno zdra\u017euje a neust\u00e1le roste inflace. Je to probl\u00e9m, proto\u017ee kv\u016fli tomu lidem nesta\u010d\u00ed jejich p\u0159\u00edjmy k pokryt\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb, jako je bydlen\u00ed, j\u00eddlo a l\u00e9ky. Je to \u0161\u00edlen\u00e1 situace, ze kter\u00e9 mnoho lid\u00ed nevid\u00ed cestu ven. N\u011bkte\u0159\u00ed z nich si vzali i druhou pr\u00e1ci nebo brig\u00e1du, co\u017e je ale dlouhodob\u011b ne\u00fanosn\u00e9 z hlediska zdravotn\u00edho stavu. Politici se p\u0159esto sm\u011bj\u00ed a p\u0159id\u00e1vaj\u00ed si statis\u00edce ro\u010dn\u011b. N\u011bkte\u0159\u00ed lid\u00e9 u\u017e jsou natolik zoufal\u00ed, \u017ee se zadlu\u017eili. Ti m\u00e9n\u011b finan\u010dn\u011b gramotn\u00ed bohu\u017eel zkusili cestu nejmen\u0161\u00edho odporu a vzali si p\u016fj\u010dky u nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 v\u011bt\u0161inou v\u016fbec ne\u0159e\u0161\u00ed zda m\u00e1 z\u00e1jemce o p\u016fj\u010dku jin\u00e9 z\u00e1vazky a v jak\u00e9 v\u00fd\u0161i. R\u00e1zem se tak \u010dlov\u011bk s pom\u011brn\u011b n\u00edzk\u00fdm p\u0159\u00edjmem ocitne v dluhov\u00e9 pasti, kdy se sna\u017e\u00ed vytloukat p\u016fj\u010dku p\u016fj\u010dkou.To \u017ee to samoz\u0159ejm\u011b nebude fungovat zjist\u00ed, a\u017e mu p\u0159ijde dopis od exekutora. Obecn\u011b ale nejde \u0159\u00edci \u017ee by byly p\u016fj\u010dky \u0161patn\u00e9, jen je nutn\u00e9 je um\u011bt vyu\u017e\u00edvat opatrn\u011b. Nej\u010dast\u011bji si lid\u00e9 berou \u00fa\u010delov\u00fd \u00fav\u011br Hypotekybezregistru na bydlen\u00ed, pomoc\u00ed kter\u00e9ho financuj\u00ed n\u00e1kup nemovitosti nebo rekonstrukci \u010di stavbu domu. Hypot\u00e9ku nej\u010dast\u011bji poskytuj\u00ed banky, kter\u00e9 si velice pe\u010dliv\u011b prov\u011b\u0159\u00ed \u017eadatele, zda nefiguruje v n\u011bkter\u00e9m z registru dlu\u017en\u00edk\u016f. A pokud ne, hypot\u00e9ku mu klidn\u011b poskytnou. Jsou ale lid\u00e9, kte\u0159\u00ed se vlastn\u00ed hloupost\u00ed dostali do exekuc\u00ed nebo \u0161li do insolvence, a takov\u00ed lid\u00e9 opravdu nemohou s hypot\u00e9kou po\u010d\u00edtat.N\u011bkdo se z exekuc\u00ed pou\u010d\u00ed a nad\u00e1le chce \u017e\u00edt spo\u0159\u00e1dan\u00fdm \u017eivotem, sna\u017e\u00ed se naj\u00edt lep\u0161\u00ed pr\u00e1ci a sn\u00ed\u017eit n\u00e1klady za m\u011bs\u00edc. V\u011bt\u0161inou po umo\u0159en\u00ed dluh\u016f cht\u011bj\u00ed b\u00fdval\u00ed dlu\u017en\u00edci i vlastn\u00ed bydlen\u00ed, ale ne v\u017edycky jim banka vyjde vst\u0159\u00edc i po vymaz\u00e1n\u00ed jm\u00e9na z registr\u016f. Potom zkou\u0161\u00ed svoje \u0161t\u011bst\u00ed u nebankovn\u00edch instituc\u00ed, kter\u00e9 tak\u00e9 poskytuj\u00ed \u00fav\u011bry nejen na bydlen\u00ed, ale pokud si st\u00e1le nejste jisti sv\u00fdmi financemi, neberte si hypot\u00e9ku za ka\u017edou cenu.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chyb\u00ed v\u00e1m pen\u00edze?","item":"https:\/\/allcb.cz\/chybi-vam-penize\/#breadcrumbitem"}]}]