[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.heincl.cz\/skoncujte-s-financni-tisni\/#Article","mainEntityOfPage":"https:\/\/www.heincl.cz\/skoncujte-s-financni-tisni\/","headline":"Skoncujte s finan\u010dn\u00ed t\u00edsn\u00ed","name":"Skoncujte s finan\u010dn\u00ed t\u00edsn\u00ed","description":"Asi jenom st\u011b\u017e\u00ed si my lid\u00e9 dok\u00e1\u017eeme p\u0159edstavit, jak\u00fd je \u017eivot bez dostatku finan\u010dn\u00edch prost\u0159edk\u016f, dokud na n\u00e1s tento skute\u010dn\u011b nedolehne. Dokud jsme na tom finan\u010dn\u011b dob\u0159e, nedok\u00e1\u017eeme si v pln\u00e9 m\u00ed\u0159e p\u0159edstavit, jak\u00e9 to je, kdy\u017e m\u00e1 \u010dlov\u011bk za n\u011bco t\u0159eba i skute\u010dn\u011b urgentn\u011b platit, jen\u017ee a\u0165 hled\u00e1, jak hled\u00e1, nikde na to nenajde...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.heincl.cz\/skoncujte-s-financni-tisni\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Skoncujte s finan\u010dn\u00ed t\u00edsn\u00ed&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2020-08-23","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.heincl.cz\/author\/#Person","name":"","url":"https:\/\/www.heincl.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"heincl.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/heincl.cz\/wp-content\/uploads\/mince%20EU_10_10_6.jpg","url":"https:\/\/heincl.cz\/wp-content\/uploads\/mince%20EU_10_10_6.jpg","height":"","width":""},"url":"https:\/\/www.heincl.cz\/skoncujte-s-financni-tisni\/","about":["Neza\u0159azen\u00e9"],"wordCount":437,"articleBody":"     Asi jenom st\u011b\u017e\u00ed si my lid\u00e9 dok\u00e1\u017eeme p\u0159edstavit, jak\u00fd je \u017eivot bez dostatku finan\u010dn\u00edch prost\u0159edk\u016f, dokud na n\u00e1s tento skute\u010dn\u011b nedolehne. Dokud jsme na tom finan\u010dn\u011b dob\u0159e, nedok\u00e1\u017eeme si v pln\u00e9 m\u00ed\u0159e p\u0159edstavit, jak\u00e9 to je, kdy\u017e m\u00e1 \u010dlov\u011bk za n\u011bco t\u0159eba i skute\u010dn\u011b urgentn\u011b platit, jen\u017ee a\u0165 hled\u00e1, jak hled\u00e1, nikde na to nenajde t\u0159eba u\u017e ani korunu.Ale i takov\u00ed lid\u00e9 jsou mezi n\u00e1mi, a nen\u00ed jich rozhodn\u011b m\u00e1lo. Je spousta na\u0161inc\u016f, kte\u0159\u00ed se pot\u00fdkaj\u00ed s finan\u010dn\u00edmi t\u011b\u017ekostmi, a to nejednou dokonce natolik z\u00e1sadn\u00edmi, \u017ee u\u017e tito vlastn\u011b ani nev\u011bd\u00ed, co si s t\u00edm po\u010d\u00edt.Ale i takov\u00ed lid\u00e9 to mus\u00ed n\u011bjak zvl\u00e1dnout. Nemohou doufat, \u017ee to za n\u011b n\u011bkdo vy\u0159e\u0161\u00ed, a nesm\u00ed rezignovat s t\u00edm, \u017ee ono u\u017e to n\u011bjak dopadne. Proto\u017ee ono by to pochopiteln\u011b n\u011bjak dopadlo, jen\u017ee ur\u010dit\u011b ne dob\u0159e.Ale co si m\u00e1 po\u010d\u00edt ten, kdo nem\u00e1 pen\u00edze na \u017eivobyt\u00ed \u010di na udr\u017eov\u00e1n\u00ed svoj\u00ed firmy v chodu? Jak si m\u00e1 tento po\u0159\u00eddit pen\u00edze, kdy\u017e v\u0161echny jeho vlastn\u00ed zdroje vyschnuly?Jedin\u00fdm \u0159e\u0161en\u00edm b\u00fdv\u00e1 \u010dasto p\u016fj\u010dka. Proto\u017ee ta jedin\u00e1 m\u016f\u017ee poskytnout \u010dlov\u011bku sch\u00e1zej\u00edc\u00ed finan\u010dn\u00ed prost\u0159edky. A i kdy\u017e se jedn\u00e1 pouze o do\u010dasnou pomoc, i kdy\u017e se takto z\u00edskan\u00e9 finance mus\u00ed n\u00e1sledn\u011b zase vr\u00e1tit, a to zpravidla i s n\u00e1le\u017eit\u00fdmi \u00faroky, m\u016f\u017ee i toto \u0159e\u0161en\u00ed n\u011bkomu ve finan\u010dn\u00ed t\u00edsni prosp\u011bt.Skv\u011blou volbou v p\u0159\u00edpad\u011b lid\u00ed, kte\u0159\u00ed maj\u00ed velk\u00e9 pot\u00ed\u017ee, b\u00fdv\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. A je tomu tak proto, \u017ee u n\u00ed m\u00e1 \u0161anci usp\u011bt jak ten, kdo je na tom docela obstojn\u011b, tak i ten, kdo m\u00e1 jenom n\u00edzk\u00e9 p\u0159\u00edjmy a nedob\u0159e vypadaj\u00edc\u00ed registry dlu\u017en\u00edk\u016f, p\u0159\u00edpadn\u011b dokonce exekuce. Usp\u011bje tu pomalu ka\u017ed\u00fd, a to proto, \u017ee jsou zde ve\u0161ker\u00e9 p\u0159edstaviteln\u00e9 i nep\u0159edstaviteln\u00e9 z\u00e1ruky, je\u017e obvykle finan\u010dn\u00ed instituce u p\u016fj\u010dek po\u017eaduj\u00ed, nahrazeny z\u00e1stavou \u017eadatelovy nemovitosti.\u010clov\u011bk prost\u011b mus\u00ed d\u00e1t nebankovn\u00ed spole\u010dnosti do z\u00e1stavy svoji nemovitost, a to a\u017e do doby, ne\u017e v\u0161echno splat\u00ed. A d\u00edky t\u00e9to z\u00e1ruce usp\u011bje i tehdy, kdy\u017e o n\u011bj \u017e\u00e1dn\u00e1 jin\u00e1 finan\u010dn\u00ed instituce nejev\u00ed pra\u017e\u00e1dn\u00fd z\u00e1jem.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Skoncujte s finan\u010dn\u00ed t\u00edsn\u00ed","item":"https:\/\/www.heincl.cz\/skoncujte-s-financni-tisni\/#breadcrumbitem"}]}]