[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moneyworld.cz\/je-pujcka-to-prave\/#Article","mainEntityOfPage":"https:\/\/www.moneyworld.cz\/je-pujcka-to-prave\/","headline":"Je p\u016fj\u010dka to prav\u00e9?","name":"Je p\u016fj\u010dka to prav\u00e9?","description":"P\u016fj\u010dky si lid\u00e9 berou tehdy, kdy\u017e nemaj\u00ed tolik pen\u011bz, kolik by jich pot\u0159ebovali m\u00edt ke zvl\u00e1d\u00e1n\u00ed st\u00e1vaj\u00edc\u00edch v\u00fddaj\u016f. To d\u00e1 rozum. Jen\u017ee by to ur\u010dit\u011b nem\u011blo platit univerz\u00e1ln\u011b. Proto\u017ee pen\u00edze lidem chyb\u00ed nebo ‚chyb\u00ed‘ skoro po\u0159\u00e1d, snad nikdo jich nem\u00e1 nikdy tolik, kolik by jich cht\u011bl m\u00edt. A je logick\u00e9, \u017ee zat\u00edmco se kv\u016fli n\u011bkter\u00fdm […]","datePublished":"2020-12-05","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.moneyworld.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.moneyworld.cz\/author\/devene\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moneyworld.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.moneyworld.cz\/je-pujcka-to-prave\/","about":["P\u016fj\u010dky"],"wordCount":499,"articleBody":"P\u016fj\u010dky si lid\u00e9 berou tehdy, kdy\u017e nemaj\u00ed tolik pen\u011bz, kolik by jich pot\u0159ebovali m\u00edt ke zvl\u00e1d\u00e1n\u00ed st\u00e1vaj\u00edc\u00edch v\u00fddaj\u016f. To d\u00e1 rozum. Jen\u017ee by to ur\u010dit\u011b nem\u011blo platit univerz\u00e1ln\u011b. Proto\u017ee pen\u00edze lidem chyb\u00ed nebo ‚chyb\u00ed‘ skoro po\u0159\u00e1d, snad nikdo jich nem\u00e1 nikdy tolik, kolik by jich cht\u011bl m\u00edt. A je logick\u00e9, \u017ee zat\u00edmco se kv\u016fli n\u011bkter\u00fdm v\u00fddaj\u016fm vyplat\u00ed si p\u016fj\u010dku vz\u00edt, v p\u0159\u00edpad\u011b v\u00fddaj\u016f jin\u00fdch by tomu tak b\u00fdt nem\u011blo.Mezi v\u00fddaje, na kter\u00e9 by si lid\u00e9 mo\u017en\u00e1 p\u016fj\u010dovat m\u011bli, pat\u0159\u00ed v prvn\u00ed \u0159ad\u011b ty, je\u017e se v budoucnu vyplat\u00ed. Ten, kdo si p\u016fj\u010duje na koupi vlastn\u00edho bydlen\u00ed, u\u0161et\u0159\u00ed kup\u0159\u00edkladu v budoucnu na n\u00e1jemn\u00e9m, a to je logicky vesm\u011bs rozumn\u00e9, ten, kdo p\u016fj\u010dkou zaplat\u00ed sv\u00e9 vzd\u011bl\u00e1n\u00ed, bude mo\u017en\u00e1 v budoucnu t\u011b\u017eit z toho, \u017ee d\u00edky n\u011bmu nalezne lukrativn\u011bj\u0161\u00ed uplatn\u011bn\u00ed. Samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee se se\u017eene v\u00fdhodn\u00e1 p\u016fj\u010dka a tato se tu investuje s rozumem.K v\u00fddaj\u016fm, na n\u011b\u017e se n\u011bkdy p\u016fj\u010dit vyplat\u00ed, u nich\u017e to nen\u00ed nerozum, pat\u0159\u00ed to, co by v p\u0159\u00edpad\u011b neuhrazen\u00ed mohlo znamenat v\u011bt\u0161\u00ed probl\u00e9my, ne\u017e jak\u00e9 by mohly n\u00e1sledovat v souvislosti se spl\u00e1cen\u00edm. Je logicky lep\u0161\u00ed vracet p\u016fj\u010den\u00e9 pen\u00edze se zvl\u00e1dnuteln\u00fdmi \u00faroky \u010di poplatky, ne\u017e se dejme tomu p\u0159ipravit neplati\u010dstv\u00edm o st\u0159echu nad hlavou nebo padnout do rukou exekutor\u016f, kte\u0159\u00ed by dlu\u017en\u00edka p\u0159ipravili o daleko v\u011bt\u0161\u00ed jm\u011bn\u00ed. Tady u\u017e je ale ur\u010dit\u011b t\u0159eba po\u010d\u00edtat velice zodpov\u011bdn\u011b, co je je\u0161t\u011b akceptovateln\u00e9 a co u\u017e ne. A je t\u0159eba neztr\u00e1cet ze z\u0159etele ani to, co by n\u00e1sledovalo, kdyby \u010dlov\u011bk nem\u011bl, jak vr\u00e1tit takovou p\u016fj\u010dku. Aby si touto je\u0161t\u011b nepohor\u0161il.A jestli je n\u011bco, na co by si lid\u00e9 rozhodn\u011b p\u016fj\u010dovat nem\u011bli, je to luxusn\u00ed spot\u0159eba. P\u016fj\u010dit si na dovolenou nebo dejme tomu na p\u0159emr\u0161t\u011bn\u011b drah\u00e9 v\u00e1no\u010dn\u00ed d\u00e1rky je nerozum. V nejlep\u0161\u00edm p\u0159\u00edpad\u011b to vyjde \u010dlov\u011bka zbyte\u010dn\u011b draho, v p\u0159\u00edpad\u011b hor\u0161\u00edm pak m\u016f\u017ee po kr\u00e1tk\u00e9 \u0161\u0165astn\u00e9 dob\u011b n\u00e1sledovat pomalu nekone\u010dn\u00e9 peklo. A to zcela zbyte\u010dn\u011b.P\u016fj\u010dkytedy mohou b\u00fdt dobr\u00e1 i \u0161patn\u00e1 v\u011bc. A m\u011blo by se tak s nimi zach\u00e1zet s rozumem.                                                                                                                                                                                                                                                                                                                                                                                                                                                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