[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.toxio.cz\/neberte-si-hypoteku-kdyz-nemate-prijem\/#Article","mainEntityOfPage":"https:\/\/www.toxio.cz\/neberte-si-hypoteku-kdyz-nemate-prijem\/","headline":"Neberte si hypot\u00e9ku, kdy\u017e nem\u00e1te p\u0159\u00edjem","name":"Neberte si hypot\u00e9ku, kdy\u017e nem\u00e1te p\u0159\u00edjem","description":"Ka\u017ed\u00fd \u010dlov\u011bk m\u00e1 n\u011bjak\u00e9 svoje sny a touhy. N\u011bkdo je m\u00e1 v\u011bt\u0161\u00ed, jin\u00e9mu sta\u010d\u00ed podstatn\u011b m\u00e1lo. Ka\u017ed\u00fd ale n\u011bjak\u00e9 m\u00e1me – to je vlastn\u011b bezpochyby. … ","datePublished":"2022-08-15","dateModified":"2023-06-14","author":{"@type":"Person","@id":"https:\/\/www.toxio.cz\/author\/#Person","name":"","url":"https:\/\/www.toxio.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91b1fc57487c55a66a7777af0dd690bf69c571b4a9b15cda0db8854a78b7888c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"toxio.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.toxio.cz\/wp-content\/uploads\/house-163526_960_720.jpg","url":"https:\/\/www.toxio.cz\/wp-content\/uploads\/house-163526_960_720.jpg","height":0,"width":0},"url":"https:\/\/www.toxio.cz\/neberte-si-hypoteku-kdyz-nemate-prijem\/","about":["Finance"],"wordCount":431,"articleBody":"        Ka\u017ed\u00fd \u010dlov\u011bk m\u00e1 n\u011bjak\u00e9 svoje sny a touhy. N\u011bkdo je m\u00e1 v\u011bt\u0161\u00ed, jin\u00e9mu sta\u010d\u00ed podstatn\u011b m\u00e1lo. Ka\u017ed\u00fd ale n\u011bjak\u00e9 m\u00e1me – to je vlastn\u011b bezpochyby. N\u011bkomu se l\u00edb\u00ed p\u0159edstava, \u017ee si m\u016f\u017ee koupit drah\u00e9 \u0161perky, jin\u00fd zase mysl\u00ed na drah\u00e1 auta, dovolen\u00e9 a podobn\u011b, jin\u00fd se spokoj\u00ed s mal\u00fdm dome\u010dkem se zahradou. Ale \u0159ekn\u011bme si narovinu, kdo by v dne\u0161n\u00ed dob\u011b jen tak m\u011bl p\u00e1r milion\u016f uspo\u0159en\u00fdch (tedy pokud to nen\u00ed \u010dlov\u011bk, kter\u00fd je z\u0159ejm\u011b bohat\u00fd a s pen\u011bzi nem\u00e1 probl\u00e9m?) A tady se u\u017e dost\u00e1v\u00e1me k podstatn\u00e9 v\u011bci a to t\u00e9, \u017ee pokud si \u010dlov\u011bk tou\u017e\u00ed koupit dome\u010dek (a\u0165 u\u017e mal\u00fd, nebo v\u011bt\u0161\u00ed) t\u0159eba se zahradou, je to jeho \u017eivotn\u00ed sen a nem\u00e1 dostatek financ\u00ed na koupi, p\u0159ich\u00e1z\u00ed na \u0159adu mo\u017enost hypot\u00e9ky.Hypot\u00e9ka je p\u0159\u00edpustn\u00e1 zejm\u00e9na pro ty, co maj\u00ed n\u011bjak\u00fd p\u0159\u00edjem – ze zam\u011bstn\u00e1n\u00ed, nebo z podnik\u00e1n\u00ed. Hypot\u00e9ka toti\u017e funguje tak, \u017ee mus\u00edte m\u011bs\u00ed\u010dn\u011b spl\u00e1cet ur\u010ditou \u010d\u00e1stku. Funguje to tak, \u017ee pokud ji nebudete spl\u00e1cet, budete sice n\u011bjakou dobu dost\u00e1vat upozorn\u011bn\u00ed, to ale tak\u00e9 nebude trvat v\u011b\u010dn\u011b. https:\/\/www.databazeknih.cz\/knihy\/navzdy-a-vecne-297408%3Fc%3Dall  Pak to toti\u017e bude hor\u0161\u00ed a p\u0159ijdou na \u0159adu jin\u00e9 a hor\u0161\u00ed v\u011bci – v tom nejhor\u0161\u00edm p\u0159\u00edpad\u011b to dokonce m\u016f\u017ee skon\u010dit exekuc\u00ed. A to mi v\u011b\u0159te, \u017ee pokud v\u00e1m bude hrozit exekuce, je to jedna z nejhor\u0161\u00edch v\u011bc\u00ed, co se v\u00e1m m\u016f\u017ee kdy st\u00e1t.V p\u0159\u00edpad\u011b, \u017ee po v\u00e1s p\u016fjdou exekuto\u0159i, prakticky v\u00e1m m\u016f\u017eou sebrat ve\u0161ker\u00fd majetek a m\u016f\u017eete tak p\u0159ij\u00edt \u00fapln\u011b o v\u0161echno. Hypot\u00e9ka bez p\u0159\u00edjmu je proto v\u011bc\u00ed, kterou bych rozhodn\u011b nedoporu\u010dovala z tohoto d\u016fvodu. Pokud nem\u00e1te \u017e\u00e1dn\u00fd p\u0159\u00edjem, z \u010deho budete platit hypot\u00e9ku? Je p\u0159ece logick\u00e9, \u017ee se d\u0159\u00edve, nebo pozd\u011bji m\u016f\u017eete dostat do opravdov\u00fdch probl\u00e9m\u016f, kter\u00e9 podle m\u00e9ho n\u00e1zoru za to ur\u010dit\u011b nestoj\u00ed, a\u010dkoliv to tak m\u016f\u017ee zeza\u010d\u00e1tku vypadat a m\u016f\u017ee to vypadat l\u00e1kav\u011b – p\u0159ece za ten dome\u010dek to stoj\u00ed. Ne, nestoj\u00ed. A a\u0165 budou p\u0159edstavy sebel\u00e1kav\u011bj\u0161\u00ed, prost\u011b to ned\u011blejte, pokud si nechcete zni\u010dit cel\u00fd \u017eivot a b\u00fdt ne\u0161\u0165astn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Neberte si hypot\u00e9ku, kdy\u017e nem\u00e1te p\u0159\u00edjem","item":"https:\/\/www.toxio.cz\/neberte-si-hypoteku-kdyz-nemate-prijem\/#breadcrumbitem"}]}]