[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.msch.cz\/ktera-pujcka-nezklame\/#Article","mainEntityOfPage":"https:\/\/www.msch.cz\/ktera-pujcka-nezklame\/","headline":"Kter\u00e1 p\u016fj\u010dka nezklame?","name":"Kter\u00e1 p\u016fj\u010dka nezklame?","description":"Abychom mohli \u017e\u00edt, pot\u0159ebujeme m\u00edt pen\u00edze. To v\u00ed snad ka\u017ed\u00fd. A ka\u017ed\u00fd z n\u00e1s tedy tak\u00e9 pen\u00edze m\u00edt chce. A d\u011bl\u00e1me \u010dasto v\u0161e pro to, abychom m\u011bli p\u0159\u00edjmy, kter\u00e9 n\u00e1s…","datePublished":"2026-05-07","dateModified":"2026-05-07","author":{"@type":"Person","@id":"https:\/\/www.msch.cz\/author\/#Person","name":"","url":"https:\/\/www.msch.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"msch.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.msch.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppp_10_10_6.jpg","url":"https:\/\/www.msch.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppp_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.msch.cz\/ktera-pujcka-nezklame\/","about":["Zbo\u017e\u00ed"],"wordCount":446,"articleBody":"      Abychom mohli \u017e\u00edt, pot\u0159ebujeme m\u00edt pen\u00edze. To v\u00ed snad ka\u017ed\u00fd. A ka\u017ed\u00fd z n\u00e1s tedy tak\u00e9 pen\u00edze m\u00edt chce. A d\u011bl\u00e1me \u010dasto v\u0161e pro to, abychom m\u011bli p\u0159\u00edjmy, kter\u00e9 n\u00e1s pln\u011b uspokoj\u00ed. Co\u017e ale nen\u00ed jist\u00e9 a n\u011bkdy si nevyd\u011bl\u00e1me tolik, kolik pot\u0159ebujeme. A pak n\u00e1m zkr\u00e1tka nezb\u00fdv\u00e1 jin\u00e1 mo\u017enost, ne\u017e to zvl\u00e1dnout aspo\u0148 s pomoc\u00ed n\u011bjak\u00e9 t\u00e9 p\u016fj\u010dky.N\u011bkdo z\u00edsk\u00e1 pot\u0159ebnou p\u016fj\u010dku bez probl\u00e9m\u016f. Ale n\u011bkdo tak\u00e9 ne. Z\u00e1le\u017e\u00ed tu toti\u017e na tom, jak na tom v dan\u00e9 chv\u00edli jsme, koho o pomoc po\u017e\u00e1d\u00e1me a jakou z nab\u00edzen\u00fdch p\u016fj\u010dek si vybereme. Proto\u017ee se u\u017e vesm\u011bs v\u00ed o tom, \u017ee zat\u00edmco jsou n\u011bkter\u00e9 p\u016fj\u010dky dostupn\u011bj\u0161\u00ed, z\u00edsk\u00e1n\u00ed jin\u00fdch je naopak hodn\u011b n\u00e1ro\u010dn\u00e9. A tak\u00e9 jsou banky daleko p\u0159\u00edsn\u011bj\u0161\u00ed p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dost\u00ed o p\u016fj\u010dku, ne\u017e dejme tomu n\u011bjak\u00e1 ta nebankovn\u00ed spole\u010dnost.P\u016fj\u010dku bychom si tedy m\u011bli vyb\u00edrat podle toho, co za ni m\u016f\u017eeme nab\u00eddnout. Zda se m\u016f\u017eeme dejme tomu chlubit dost velk\u00fdmi p\u0159\u00edjmy a \u010dist\u00fdmi registry dlu\u017en\u00edk\u016f nebo ne, zda m\u00e1me majetek, kter\u00fdm by se dalo ru\u010dit a podobn\u011b. Proto\u017ee si ka\u017ed\u00e1 p\u016fj\u010dka \u017e\u00e1d\u00e1 sv\u00e9, a kdybychom se uch\u00e1zeli o n\u011bjakou, u kter\u00e9 podm\u00ednky schv\u00e1len\u00ed nedok\u00e1\u017eeme splnit, bylo by to jenom norm\u00e1ln\u00ed mrh\u00e1n\u00ed \u010dasem.A nejen dostupnost p\u016fj\u010dek by pro n\u00e1s m\u011bla b\u00fdt d\u016fle\u017eit\u00e1. Tak\u00e9 bychom se m\u011bli zaj\u00edmat o to, jak\u00e1 je tu RPSN, jak\u00e9 \u00faroky, jak dlouh\u00e1 doba spl\u00e1cen\u00ed a jak vysok\u00e9 a \u010detn\u00e9 spl\u00e1tky, jak\u00e9 jsou tu p\u0159\u00edpadn\u011b sankce za neuhrazen\u00e9 platby a podobn\u011b. Proto\u017ee i to je d\u016fle\u017eit\u00e9, i t\u00edm bychom si mohli v p\u0159\u00edpad\u011b \u0161patn\u00e9 volby zkomplikovat \u017eivot. Kdy\u017e si vybereme spr\u00e1vnou p\u016fj\u010dku, m\u00e1me nad\u011bji, \u017ee si s jej\u00ed pomoc d\u00e1me v\u0161echny sv\u00e9 z\u00e1le\u017eitosti do po\u0159\u00e1dku. A proto se tak\u00e9 takov\u00e9 p\u016fj\u010dky berou. A kdybychom se rozhodli \u0161patn\u011b, nepom\u016f\u017eeme si a mo\u017en\u00e1 si dokonce u\u0161kod\u00edme. A tak bychom si mo\u017en\u00e1 m\u011bli vyb\u00edrat nebankovn\u00ed hypot\u00e9ky. Proto\u017ee hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu d\u00e1v\u00e1 nad\u011bji v\u0161em. I t\u011bm, je\u017e by banky odm\u00edtly obslou\u017eit.                                                                                                                                                                                                                                                                                                                                                                                                  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