[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.woraif.cz\/neni-pujcka-jako-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.woraif.cz\/neni-pujcka-jako-pujcka\/","headline":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","name":"Nen\u00ed p\u016fj\u010dka jako p\u016fj\u010dka","description":"Pokud se jedn\u00e1 o p\u00e1r desetikorun, snad to zap\u016fj\u010d\u00ed kter\u00fdkoli soused nebo zn\u00e1m\u00fd. Pokud si ov\u0161em nep\u016fj\u010dujete v jednom kuse a nevrac\u00edte. To je potom pot\u00ed\u017e si p\u016fj\u010dit i tu dvacetikorunu. Pokud je v\u0161ak t\u0159eba \u010d\u00e1stka v r\u00e1mci n\u011bkolika stokorun, u\u017e je to v\u011bt\u0161\u00ed probl\u00e9m, ale v podstat\u011b plat\u00ed tot\u00e9\u017e, co v bod\u011b jedna. A nyn\u00ed ji\u017e p\u0159ich\u00e1z\u00ed na \u0159adu […]","datePublished":"2026-01-15","dateModified":"2026-01-15","author":{"@type":"Person","@id":"https:\/\/www.woraif.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.woraif.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"woraif.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.woraif.cz\/wp-content\/uploads\/pexels-john-guccione-www-advergroup-com-1874301-3531895.jpg","url":"https:\/\/www.woraif.cz\/wp-content\/uploads\/pexels-john-guccione-www-advergroup-com-1874301-3531895.jpg","height":0,"width":0},"url":"https:\/\/www.woraif.cz\/neni-pujcka-jako-pujcka\/","about":["Finance"],"wordCount":437,"articleBody":"   Pokud se jedn\u00e1 o p\u00e1r desetikorun, snad to zap\u016fj\u010d\u00ed kter\u00fdkoli soused nebo zn\u00e1m\u00fd. Pokud si ov\u0161em nep\u016fj\u010dujete v jednom kuse a nevrac\u00edte. To je potom pot\u00ed\u017e si p\u016fj\u010dit i tu dvacetikorunu. Pokud je v\u0161ak t\u0159eba \u010d\u00e1stka v r\u00e1mci n\u011bkolika stokorun, u\u017e je to v\u011bt\u0161\u00ed probl\u00e9m, ale v podstat\u011b plat\u00ed tot\u00e9\u017e, co v bod\u011b jedna. A nyn\u00ed ji\u017e p\u0159ich\u00e1z\u00ed na \u0159adu tis\u00edcikoruny, kter\u00e9 ji\u017e nep\u016fj\u010d\u00ed skoro nikdo, ne \u017ee by je nem\u011bl. Statis\u00edce m\u00e1 tak\u00e9, ale ty u\u017e prost\u011b nep\u016fj\u010d\u00ed. Nen\u00ed se co divit. M\u016f\u017eete b\u00fdt sebev\u011bt\u0161\u00ed kamar\u00e1d a poctivec, ale kdy\u017e v\u00e1s p\u0159ejede auto, m\u00e1 ten, kdo pen\u00edze p\u016fj\u010dil jednodu\u0161e smol\u00edka. A neud\u011bl\u00e1 s t\u00edm nic. Je zde v\u0161ak je\u0161t\u011b mo\u017enost posledn\u00ed, a to je p\u016fj\u010dka, kde nejde ani o desetitis\u00edce, ani o statis\u00edce, ale p\u016fjde o miliony. Zde se ji\u017e nepou\u017e\u00edv\u00e1 slovo p\u016fj\u010dka, ale sp\u00ed\u0161e v\u00fdraz hypot\u00e9ka. Co\u017e je tak\u00e9 p\u016fj\u010dov\u00e1n\u00ed pen\u011bz, ale jde o v\u011bt\u0161\u00ed spl\u00e1tky a tak\u00e9 o del\u0161\u00ed dobu spl\u00e1cen\u00ed. Ale to ka\u017ed\u00fd ur\u010dit\u011b v\u00ed a ka\u017ed\u00fd zn\u00e1. U n\u00e1s v na\u0161\u00ed mal\u00e9 zemi je spousta bank, kter\u00e9 hypot\u00e9ky poskytuj\u00ed, ale ani jedna neposkytne hypot\u00e9ku americkou. Maj\u00ed to prost\u011b jinak postaveno. Ov\u011b\u0159uj\u00ed si kde, co a schvaluj\u00ed kde co, tak\u017ee vy\u0159izov\u00e1n\u00ed se ne\u00fam\u011brn\u011b t\u00e1hne, a nav\u00edc mus\u00ed \u017eadatel zaplatit ne zrovna m\u00e1lo pen\u011bz je\u0161t\u011b p\u0159ed zah\u00e1jen\u00edm tohoto \u0159\u00edzen\u00ed.Pokud mu banka hypot\u00e9ku neposkytne, a to nemus\u00ed i bez ud\u00e1n\u00ed d\u016fvod\u016f, o tyto pen\u00edze klient nen\u00e1vratn\u011b p\u0159ich\u00e1z\u00ed. Bum, a je to. Ale na\u0161t\u011bst\u00ed je zde je\u0161t\u011b americk\u00e1 hypot\u00e9ka, kter\u00e1 ve v\u00fdsledku funguje stejn\u011b, ale jej\u00ed po\u0159\u00edzen\u00ed je \u00fapln\u011b jin\u00e1 z\u00e1le\u017eitost. Zde se toti\u017e spousta v\u011bc\u00ed neodkl\u00e1d\u00e1, ne\u010dek\u00e1 se na n\u011bjak\u00e1 prapodivn\u00e1 schvalov\u00e1n\u00ed a prost\u011b se projedn\u00e1v\u00e1 jen to pro\u010d si klient \u017e\u00e1dost podal. A proto\u017ee v\u0161e se d\u011bje v jeho z\u00e1jmu, tak se tak\u00e9 v\u0161ichni staraj\u00ed, aby m\u011bl klient pen\u00edze na \u00fa\u010dtu co nejd\u0159\u00edve. V\u011bt\u0161inou to b\u00fdv\u00e1 ihned po podpisu smlouvy. Je\u0161t\u011b t\u00fd\u017e den tam pen\u00edze jsou a n\u011bjak\u00e9 schvalov\u00e1n\u00ed n\u011bkoho tam n\u011bkde naho\u0159e se zde \u010dekat nemus\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                   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