[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.peachpit.cz\/jak-urcite-ziskat-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.peachpit.cz\/jak-urcite-ziskat-pujcku\/","headline":"Jak ur\u010dit\u011b z\u00edskat p\u016fj\u010dku?","name":"Jak ur\u010dit\u011b z\u00edskat p\u016fj\u010dku?","description":"Mysl\u00edte si, \u017ee v\u00e1m nedostatek pen\u011bz ur\u010dit\u011b nehroz\u00ed? Jste p\u0159esv\u011bd\u010deni o tom, \u017ee si v\u017edycky dost pen\u011bz vyd\u011bl\u00e1te, a kdyby snad ne, vezmete si n\u011bjakou p\u016fj\u010dku, kter\u00e1 v\u00e1m pom\u016f\u017ee a kterou pozd\u011bji splat\u00edte? Pak v\u00e1m z\u00e1vid\u00edm v\u00e1\u0161 optimismus. A sou\u010dasn\u011b v\u00e1s u\u017e v p\u0159edstihu lituji. Proto\u017ee v\u00e1m to sice m\u016f\u017ee vyj\u00edt, ale tak\u00e9 m\u016f\u017ee b\u00fdt […]","datePublished":"2026-03-04","dateModified":"2026-03-04","author":{"@type":"Person","@id":"https:\/\/www.peachpit.cz\/author\/#Person","name":"","url":"https:\/\/www.peachpit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"peachpit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.peachpit.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_3.jpg","url":"https:\/\/www.peachpit.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_3.jpg","height":0,"width":0},"url":"https:\/\/www.peachpit.cz\/jak-urcite-ziskat-pujcku\/","about":["Finance"],"wordCount":462,"articleBody":"         Mysl\u00edte si, \u017ee v\u00e1m nedostatek pen\u011bz ur\u010dit\u011b nehroz\u00ed? Jste p\u0159esv\u011bd\u010deni o tom, \u017ee si v\u017edycky dost pen\u011bz vyd\u011bl\u00e1te, a kdyby snad ne, vezmete si n\u011bjakou p\u016fj\u010dku, kter\u00e1 v\u00e1m pom\u016f\u017ee a kterou pozd\u011bji splat\u00edte? Pak v\u00e1m z\u00e1vid\u00edm v\u00e1\u0161 optimismus. A sou\u010dasn\u011b v\u00e1s u\u017e v p\u0159edstihu lituji. Proto\u017ee v\u00e1m to sice m\u016f\u017ee vyj\u00edt, ale tak\u00e9 m\u016f\u017ee b\u00fdt v\u0161echno jinak. A a\u017e potom nebudete m\u00edt dost sv\u00fdch pen\u011bz, a nav\u00edc budete marn\u011b \u017e\u00e1dat o leckterou z nab\u00edzej\u00edc\u00edch se p\u016fj\u010dek, nebude v\u00e1m do zp\u011bvu. Bude to pro v\u00e1s sp\u00ed\u0161 jako ledov\u00e1 sprcha, kter\u00e1 v\u00e1s r\u00e1zem zbav\u00ed ve\u0161ker\u00fdch iluz\u00ed.Nev\u011b\u0159\u00edte mi? Pak d\u011bl\u00e1te chybu. V\u011b\u0159it byste mi toti\u017e ur\u010dit\u011b m\u011bli. Dnes u\u017e nem\u00e1me socialismus, kdy \u010dlov\u011bk pom\u011brn\u011b p\u0159esn\u011b v\u011bd\u011bl, jak na tom v pr\u016fb\u011bhu cel\u00e9ho sv\u00e9ho \u017eivota bude, a tak m\u016f\u017eeme vlastn\u011b kdykoliv p\u0159ij\u00edt o pr\u00e1ci, tedy o zdroj sv\u00fdch p\u0159\u00edjm\u016f, kter\u00e9 n\u00e1m nikdo automaticky nekompenzuje. Nebo se mohou objevit nenad\u00e1l\u00e9 v\u00fddaje, kter\u00e9 nebudeme schopni spl\u00e1cet, a nikdo je automaticky nezaplat\u00ed za n\u00e1s. A r\u00e1zem mohou postihnout finan\u010dn\u00ed probl\u00e9my kohokoliv. I v\u00e1s, kdo jste si tak jisti svou finan\u010dn\u00ed zaji\u0161t\u011bnost\u00ed.Nedostatek pen\u011bz prost\u011b m\u016f\u017ee dolehnout na kohokoliv. I na v\u00e1s. I kdy\u017e m\u00e1te pocit, \u017ee zrovna v\u00e1m se to st\u00e1t nem\u016f\u017ee. A proto je jedin\u011b dob\u0159e, kdy\u017e budete v\u011bd\u011bt, co si po\u010d\u00edt, pokud k tomu dojde. \u0160t\u011bst\u00ed toti\u017e p\u0159eje p\u0159ipraven\u00fdm. A je lep\u0161\u00ed, kdy\u017e budete p\u0159ipraveni na nep\u0159\u00edjemnosti, kter\u00e9 nakonec nenastanou, ne\u017e kdy\u017e v\u00e1s probl\u00e9my zastihnou zcela nep\u0159ipraven\u00e9 jim \u010delit.A co byste tedy ka\u017edop\u00e1dn\u011b m\u011bli v\u011bd\u011bt? T\u0159eba to, kde a jak si vz\u00edt p\u016fj\u010dku, pokud byste n\u011bkdy pot\u0159ebovali n\u011bjak\u00e9 pen\u00edze navrch.Nemyslete si, \u017ee sta\u010d\u00ed zaj\u00edt do banky a tam si p\u016fj\u010den\u00e9 pen\u00edze vyzvednout. A\u0165 u\u017e po\u017e\u00e1d\u00e1te o p\u016fj\u010dku kdekoliv, v\u0161ude po v\u00e1s budou cht\u00edt ur\u010dit\u00e9 z\u00e1ruky spl\u00e1cen\u00ed. A dokud je nenab\u00eddnete, nic v\u00e1m nep\u016fj\u010d\u00ed. Ale nebankovn\u00ed hypot\u00e9ka nezklame. A i k refinancov\u00e1n\u00ed hypot\u00e9ky Nebankovn\u00ed hypot\u00e9ka klidn\u011b poslou\u017e\u00ed, stejn\u011b jako k jin\u00fdm \u00fa\u010del\u016fm. https:\/\/www.pravniprostor.cz\/clanky\/pracovni-pravo\/ke-zneuzivani-pracovnich-prostredku-zamestnavatele-k-soukromym-ucelum  A t\u00edm dok\u00e1\u017ee n\u00e1m lidem pomoci.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak ur\u010dit\u011b z\u00edskat p\u016fj\u010dku?","item":"https:\/\/www.peachpit.cz\/jak-urcite-ziskat-pujcku\/#breadcrumbitem"}]}]