[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bngr.cz\/nedostatek-penez-se-zvladne\/#Article","mainEntityOfPage":"https:\/\/www.bngr.cz\/nedostatek-penez-se-zvladne\/","headline":"Nedostatek pen\u011bz se zvl\u00e1dne","name":"Nedostatek pen\u011bz se zvl\u00e1dne","description":"S pen\u011bzi je to n\u011bkdy docela slo\u017eit\u00e9. Stoprocentn\u011b je pot\u0159ebujeme, ale n\u011bkdy jich prost\u011b nem\u00e1me tolik, kolik bychom jich m\u00edt pot\u0159ebovali. A t\u00edm p\u00e1dem nejsme n\u011bkdy schopni uspokojit v\u0161echny pot\u0159eby, kter\u00e9 m\u00e1me. N\u011bkdy se na\u0161e finan\u010dn\u00ed situace hodn\u011b zkomplikuje, a pak se to mus\u00ed \u0159e\u0161it. Abychom pen\u00edze zase sehnali a mohli v\u00e9st to, \u010demu se \u0159\u00edk\u00e1 norm\u00e1ln\u00ed \u017eivot, abychom nebyli odsouzeni jen k pouh\u00e9mu zoufal\u00e9mu p\u0159e\u017e\u00edv\u00e1n\u00ed ze dne na den v naprosto neut\u011b\u0161en\u00fdch podm\u00ednk\u00e1ch. N\u011bkdy se to zvl\u00e1dne bez probl\u00e9m\u016f. N\u011bkdy je to ale slo\u017eit\u011bj\u0161\u00ed. A n\u011bkdy to vypad\u00e1 docela beznad\u011bjn\u011b. \u010c\u00edm\u017e m\u00e1m na mysli, \u017ee n\u011bkdy si zvl\u00e1dneme dal\u0161\u00ed pen\u00edze v\u010das vyd\u011blat, n\u011bkdy se n\u00e1m poda\u0159\u00ed sehnat aspo\u0148 p\u016fj\u010dku, ale n\u011bkdy se n\u00e1m neda\u0159\u00ed zvl\u00e1dnout nic z toho a pen\u00edze chyb\u00ed a chyb\u00ed. A co my lid\u00e9 d\u011bl\u00e1me, pokud m\u00e1me tu sm\u016flu, \u017ee nedostaneme v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci u\u017e ani bankovn\u00ed p\u016fj\u010dku, kterou jsme si vybrali a kter\u00e1 by n\u00e1m mohla vyhovovat a zachr\u00e1nit n\u00e1s? Pak pochopiteln\u011b hled\u00e1me n\u011bjakou jinou nab\u00eddku, u kter\u00e9 by n\u00e1m to mohlo za dost v\u00fdhodn\u00fdch podm\u00ednek vyj\u00edt. Hled\u00e1me dostupnou p\u016fj\u010dku prov\u00e1zenou zvladateln\u00fdmi podm\u00ednkami. Ale co kdy\u017e ji hled\u00e1me po\u0159\u00e1d dokola, a ne a ne usp\u011bt? Co kdy\u017e n\u00e1s ve v\u0161ech osloven\u00fdch finan\u010dn\u00edch \u00fastavech odm\u00edtaj\u00ed s t\u00edm, \u017ee nejsme bonitn\u00ed, \u017ee pro n\u011b nejsme dost dob\u0159\u00ed? Pak je nejlep\u0161\u00ed, kdy\u017e to zkus\u00edme i u nebankovn\u00ed spole\u010dnosti. Kdy\u017e jsme vlastn\u00edky n\u011bjak\u00e9 nemovitosti, m\u016f\u017eeme tu usp\u011bt t\u0159eba u nebankovn\u00ed hypot\u00e9ky. A to z docela ban\u00e1ln\u00edho d\u016fvodu. Tady po \u017eadatel\u00edch cht\u011bj\u00ed ru\u010den\u00ed nemovitost\u00ed a d\u00edky tomu nevy\u017eaduj\u00ed dokonalost \u017eadatel\u016f v jin\u00fdch ohledech. Nejsou tu pot\u0159eba vysok\u00e9 p\u0159\u00edjmy, nehroz\u00ed odm\u00edtnut\u00ed kv\u016fli z\u00e1znamu v registrech dlu\u017en\u00edk\u016f. \u010clov\u011bk tu zastav\u00ed nemovitost a nebankovn\u00ed hypot\u00e9ka je jeho. A nemus\u00ed b\u00fdt ani trochu drah\u00e1, jak o tom jasn\u011b sv\u011bd\u010d\u00ed t\u0159eba i RPSN https:\/\/www.fahd.cz\/rpsn\/. \u00dadaj, ze kter\u00e9ho se ka\u017ed\u00fd dozv\u00ed, kolik zaplat\u00ed p\u0159i spl\u00e1cen\u00ed nav\u00edc.","datePublished":"2026-08-20","dateModified":"2026-08-20","author":{"@type":"Person","@id":"https:\/\/www.bngr.cz\/author\/#Person","name":"","url":"https:\/\/www.bngr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bngr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bngr.cz\/wp-content\/uploads\/ppppppppppppp_10_10_10_10_10_6.jpg","url":"https:\/\/www.bngr.cz\/wp-content\/uploads\/ppppppppppppp_10_10_10_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.bngr.cz\/nedostatek-penez-se-zvladne\/","about":["V\u00fdrobky"],"wordCount":426,"articleBody":"      S pen\u011bzi je to n\u011bkdy docela slo\u017eit\u00e9. Stoprocentn\u011b je pot\u0159ebujeme, ale n\u011bkdy jich prost\u011b nem\u00e1me tolik, kolik bychom jich m\u00edt pot\u0159ebovali. A t\u00edm p\u00e1dem nejsme n\u011bkdy schopni uspokojit v\u0161echny pot\u0159eby, kter\u00e9 m\u00e1me. N\u011bkdy se na\u0161e finan\u010dn\u00ed situace hodn\u011b zkomplikuje, a pak se to mus\u00ed \u0159e\u0161it. Abychom pen\u00edze zase sehnali a mohli v\u00e9st to, \u010demu se \u0159\u00edk\u00e1 norm\u00e1ln\u00ed \u017eivot, abychom nebyli odsouzeni jen k pouh\u00e9mu zoufal\u00e9mu p\u0159e\u017e\u00edv\u00e1n\u00ed ze dne na den v naprosto neut\u011b\u0161en\u00fdch podm\u00ednk\u00e1ch.N\u011bkdy se to zvl\u00e1dne bez probl\u00e9m\u016f. N\u011bkdy je to ale slo\u017eit\u011bj\u0161\u00ed. A n\u011bkdy to vypad\u00e1 docela beznad\u011bjn\u011b. \u010c\u00edm\u017e m\u00e1m na mysli, \u017ee n\u011bkdy si zvl\u00e1dneme dal\u0161\u00ed pen\u00edze v\u010das vyd\u011blat, n\u011bkdy se n\u00e1m poda\u0159\u00ed sehnat aspo\u0148 p\u016fj\u010dku, ale n\u011bkdy se n\u00e1m neda\u0159\u00ed zvl\u00e1dnout nic z toho a pen\u00edze chyb\u00ed a chyb\u00ed.A co my lid\u00e9 d\u011bl\u00e1me, pokud m\u00e1me tu sm\u016flu, \u017ee nedostaneme v t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci u\u017e ani bankovn\u00ed p\u016fj\u010dku, kterou jsme si vybrali a kter\u00e1 by n\u00e1m mohla vyhovovat a zachr\u00e1nit n\u00e1s? Pak pochopiteln\u011b hled\u00e1me n\u011bjakou jinou nab\u00eddku, u kter\u00e9 by n\u00e1m to mohlo za dost v\u00fdhodn\u00fdch podm\u00ednek vyj\u00edt. Hled\u00e1me dostupnou p\u016fj\u010dku prov\u00e1zenou zvladateln\u00fdmi podm\u00ednkami.Ale co kdy\u017e ji hled\u00e1me po\u0159\u00e1d dokola, a ne a ne usp\u011bt? Co kdy\u017e n\u00e1s ve v\u0161ech osloven\u00fdch finan\u010dn\u00edch \u00fastavech odm\u00edtaj\u00ed s t\u00edm, \u017ee nejsme bonitn\u00ed, \u017ee pro n\u011b nejsme dost dob\u0159\u00ed?Pak je nejlep\u0161\u00ed, kdy\u017e to zkus\u00edme i u nebankovn\u00ed spole\u010dnosti. Kdy\u017e jsme vlastn\u00edky n\u011bjak\u00e9 nemovitosti, m\u016f\u017eeme tu usp\u011bt t\u0159eba u nebankovn\u00ed hypot\u00e9ky. A to z docela ban\u00e1ln\u00edho d\u016fvodu. Tady po \u017eadatel\u00edch cht\u011bj\u00ed ru\u010den\u00ed nemovitost\u00ed a d\u00edky tomu nevy\u017eaduj\u00ed dokonalost \u017eadatel\u016f v jin\u00fdch ohledech. Nejsou tu pot\u0159eba vysok\u00e9 p\u0159\u00edjmy, nehroz\u00ed odm\u00edtnut\u00ed kv\u016fli z\u00e1znamu v registrech dlu\u017en\u00edk\u016f. \u010clov\u011bk tu zastav\u00ed nemovitost a nebankovn\u00ed hypot\u00e9ka je jeho. A nemus\u00ed b\u00fdt ani trochu drah\u00e1, jak o tom jasn\u011b sv\u011bd\u010d\u00ed t\u0159eba i RPSN https:\/\/www.fahd.cz\/rpsn\/. \u00dadaj, ze kter\u00e9ho se ka\u017ed\u00fd dozv\u00ed, kolik zaplat\u00ed p\u0159i spl\u00e1cen\u00ed nav\u00edc.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nedostatek pen\u011bz se zvl\u00e1dne","item":"https:\/\/www.bngr.cz\/nedostatek-penez-se-zvladne\/#breadcrumbitem"}]}]