[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vkolonce.cz\/co-opravdu-stoji-za-pujckami\/#Article","mainEntityOfPage":"https:\/\/www.vkolonce.cz\/co-opravdu-stoji-za-pujckami\/","headline":"Co opravdu stoj\u00ed za p\u016fj\u010dkami","name":"Co opravdu stoj\u00ed za p\u016fj\u010dkami","description":"Pro\u010d se v\u00a0posledn\u00edch letech roztrhl pytel s nebankovn\u00edmi spole\u010dnostmi, nab\u00edzej\u00edc\u00edmi p\u016fj\u010dky? Je to proto, \u017ee lid\u00e9 jsou ochotni si p\u016fj\u010dovat, st\u00e1le znovu a znovu. Zpravidla to za\u010d\u00edn\u00e1 pom\u011brn\u011b nevinn\u011b. \u010clov\u011bk pot\u0159ebuje nebo si chce koupit n\u011bjakou v\u011bc, ale zrovna nyn\u00ed na ni nem\u00e1 pen\u00edze. A tak si je prost\u011b p\u016fj\u010d\u00ed.","datePublished":"2019-10-19","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.vkolonce.cz\/author\/#Person","name":"","url":"https:\/\/www.vkolonce.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vkolonce.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vkolonce.cz\/wp-content\/uploads\/img_a358177_w3799_t1572440802.jpg","url":"https:\/\/www.vkolonce.cz\/wp-content\/uploads\/img_a358177_w3799_t1572440802.jpg","height":0,"width":0},"url":"https:\/\/www.vkolonce.cz\/co-opravdu-stoji-za-pujckami\/","about":["Pen\u00edze"],"wordCount":643,"articleBody":"Pro\u010d se v\u00a0posledn\u00edch letech roztrhl pytel s nebankovn\u00edmi spole\u010dnostmi, nab\u00edzej\u00edc\u00edmi p\u016fj\u010dky? Je to proto, \u017ee lid\u00e9 jsou ochotni si p\u016fj\u010dovat, st\u00e1le znovu a znovu. Zpravidla to za\u010d\u00edn\u00e1 pom\u011brn\u011b nevinn\u011b. \u010clov\u011bk pot\u0159ebuje nebo si chce koupit n\u011bjakou v\u011bc, ale zrovna nyn\u00ed na ni nem\u00e1 pen\u00edze. A tak si je prost\u011b p\u016fj\u010d\u00ed. Po \u010dase v\u0161ak zjist\u00ed, \u017ee mu nezb\u00fdvaj\u00ed pen\u00edze na spl\u00e1tku p\u016fj\u010dky. Co ud\u011bl\u00e1? Vezme si druhou. A tak se dost\u00e1v\u00e1 do za\u010darovan\u00e9ho kruhu, ze kter\u00e9ho nen\u00ed n\u00e1vratu.\u00a0Nejprve v\u0161ak mus\u00edme zm\u00ednit z\u00e1sadn\u00ed rozd\u00edl, kter\u00fd je mezi bankovn\u00edmi a nebankovn\u00edmi p\u016fj\u010dkami. V\u00a0bance po v\u00e1s obvykle budou cht\u00edt dolo\u017eit p\u0159\u00edjem a budou po\u017eadovat ru\u010ditele. Pouze pokud m\u00e1te dostate\u010dn\u00fd p\u0159\u00edjem, v\u00e1m p\u016fj\u010dku schv\u00e1l\u00ed. Je to kv\u016fli zaji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet. Banky toti\u017e cht\u011bj\u00ed, abyste jim p\u016fj\u010dku splatili.\u00a0Naproti tomu reklamy u nebankovn\u00edch p\u016fj\u010dek typicky uv\u00e1d\u011bj\u00ed, \u017ee p\u016fj\u010d\u00ed \u201ekomukoliv na cokoliv\u201c, bez ud\u00e1n\u00ed p\u0159\u00edjmu i bez ru\u010ditele. Na klientov\u011b schopnosti spl\u00e1cet jim a\u017e tak nez\u00e1le\u017e\u00ed, a to z\u00a0jednoho d\u016fvodu: oni necht\u011bj\u00ed, aby p\u016fj\u010dka byla splacena. Je to proto, \u017ee na n\u00e1sledn\u00e9m exeku\u010dn\u00edm \u0159\u00edzen\u00ed vyd\u011blaj\u00ed o mnoho v\u00edc.\u00a0Obl\u00edben\u00fdm trikem t\u011bchto firem b\u00fdv\u00e1 i vyd\u00e1v\u00e1n\u00ed platebn\u00edch karet, kde pen\u00edze, kter\u00e9 jste dosud splatili, m\u016f\u017eete pou\u017e\u00edt jako u b\u011b\u017en\u00e9ho \u00fa\u010dtu. To samoz\u0159ejm\u011b l\u00e1k\u00e1 k\u00a0jej\u00edmu vyu\u017e\u00edv\u00e1n\u00ed. Na druhou stranu to v\u0161ak znamen\u00e1, \u017ee ty pen\u00edze, kter\u00e9 jsme pou\u017eili, bude t\u0159eba znovu splatit. A znovu i s\u00a0dan\u00fdmi \u00faroky a ostatn\u00edmi poplatky. To samoz\u0159ejm\u011b znamen\u00e1, \u017ee spole\u010dnost, kter\u00e1 pen\u00edze p\u016fj\u010dila, dostane nazp\u00e1tek o mnoho v\u00edc.\u00a0Dal\u0161\u00ed roli sehr\u00e1vaj\u00ed i reklamy. Ty jsou \u010dasto podobn\u00e9. Ukazuj\u00ed lidi, kte\u0159\u00ed jsou \u0161\u0165astn\u00ed z\u00a0toho, \u017ee si koupili vytou\u017eenou v\u011bc, ani\u017e by na ni museli \u010dekat \u010di se n\u011bjak omezovat. \u017de to je \u0161patn\u00fd p\u0159\u00edstup u\u017e samo o sob\u011b, nem\u00e1 cenu \u0159\u00edkat. Ano, \u010dlov\u011bk se m\u016f\u017ee ne vlastn\u00ed vinou dostat do situace, kde ho zachr\u00e1n\u00ed opravdu u\u017e jedin\u011b p\u016fj\u010dka. Ale p\u016fj\u010dit si proto, abych si mohl koupit n\u011bco, na co bych si mohl v\u00a0klidu na\u0161et\u0159it?\u00a0Reklamy tak\u00e9 d\u00e1vaj\u00ed d\u016fraz na to, \u017ee p\u016fj\u010dku a tedy danou v\u011bc budeme m\u00edt bez \u010dek\u00e1n\u00ed, a pak u\u017e se jen radovat. To v\u0161ak realitu neodr\u00e1\u017e\u00ed. Ta zahrnuje dal\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed v\u00fddaje v\u00a0podob\u011b spl\u00e1cen\u00ed p\u016fj\u010dky po dobu n\u011bkolika let, co\u017e opravdu nen\u00ed nijak v\u00fdhodn\u00e9 ani bezpe\u010dn\u00e9. Nebo\u0165 co kdy\u017e se v\u00a0pr\u016fb\u011bhu t\u00e9 doby dostaneme do \u0161patn\u00e9 situace a nebudeme moci spl\u00e1cet? Vy\u0159e\u0161\u00edme to dal\u0161\u00ed p\u016fj\u010dkou? A nebylo lep\u0161\u00ed si nakonec na tu v\u011bc na\u0161et\u0159it do krabi\u010dky?\u00a0Tyto spole\u010dnosti vyu\u017e\u00edvaj\u00ed, dalo by se \u0159\u00edci, \u017ee i zneu\u017e\u00edvaj\u00ed, n\u00edzk\u00e9 finan\u010dn\u00ed gramotnosti ur\u010dit\u00e9 \u010d\u00e1sti obyvatelstva, obvykle s\u00a0ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm \u010di star\u00e9 lidi. Proto je p\u0159ed rozhodnut\u00edm o p\u016fj\u010dce dobr\u00e9 se zamyslet, zda ty pen\u00edze opravdu nyn\u00ed pot\u0159ebuji, a p\u0159\u00edpadn\u011b vyu\u017e\u00edt slu\u017eeb finan\u010dn\u00edho poradce, \u010di se alespo\u0148 s\u00a0n\u011bk\u00fdm poradit. A v\u00a0ka\u017ed\u00e9m p\u0159\u00edpad\u011b se vyhnout v\u0161em \u201ev\u00fdhodn\u00fdm\u201c nebankovn\u00edm p\u016fj\u010dk\u00e1m.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co opravdu stoj\u00ed za p\u016fj\u010dkami","item":"https:\/\/www.vkolonce.cz\/co-opravdu-stoji-za-pujckami\/#breadcrumbitem"}]}]