[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/elgordo.cz\/existuje-i-pujcka-pro-problemove-zadatele\/#Article","mainEntityOfPage":"https:\/\/elgordo.cz\/existuje-i-pujcka-pro-problemove-zadatele\/","headline":"Existuje i p\u016fj\u010dka pro probl\u00e9mov\u00e9 \u017eadatele?","name":"Existuje i p\u016fj\u010dka pro probl\u00e9mov\u00e9 \u017eadatele?","description":"Je pom\u011brn\u011b smutn\u00e9, jak daleko jsme se dostali od p\u016fvodn\u00edho \u00fa\u010delu p\u016fj\u010dek. T\u00edm bylo pomoci lidem v t\u011b\u017ek\u00e9 finan\u010dn\u00ed situaci p\u0159eklenout ono obdob\u00ed a pomoci…","datePublished":"2020-03-17","dateModified":"2020-03-17","author":{"@type":"Person","@id":"https:\/\/elgordo.cz\/author\/#Person","name":"","url":"https:\/\/elgordo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elgordo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/elgordo.cz\/wp-content\/uploads\/pujcka1.jpg","url":"https:\/\/elgordo.cz\/wp-content\/uploads\/pujcka1.jpg","height":0,"width":0},"url":"https:\/\/elgordo.cz\/existuje-i-pujcka-pro-problemove-zadatele\/","about":["Www"],"wordCount":467,"articleBody":"   Je pom\u011brn\u011b smutn\u00e9, jak daleko jsme se dostali od p\u016fvodn\u00edho \u00fa\u010delu p\u016fj\u010dek. T\u00edm bylo pomoci lidem v t\u011b\u017ek\u00e9 finan\u010dn\u00ed situaci p\u0159eklenout ono obdob\u00ed a pomoci jim za\u010d\u00edt znovu. Nyn\u00ed jsou v\u0161ak ur\u010deny p\u0159edev\u0161\u00edm pro ty, kte\u0159\u00ed a\u010d pen\u00edze maj\u00ed, si cht\u011bj\u00ed okam\u017eit\u011b koupit n\u011bjakou dra\u017e\u0161\u00ed v\u011bc a z n\u011bjak\u00e9ho d\u016fvodu necht\u011bj\u00ed po\u010dkat, ne\u017e si na ni na\u0161et\u0159\u00ed.P\u0159esto o n\u011b \u017e\u00e1daj\u00ed i lid\u00e9, kte\u0159\u00ed skute\u010dn\u011b pen\u00edze nemaj\u00ed a pot\u0159ebuj\u00ed je k tomu, aby se odrazili ode dna. Takov\u00ed jsou v\u0161ak obvykle v bance odm\u00edtnuti, a to z toho d\u016fvodu, \u017ee je velk\u00e1 pochybnost, zda bude dlu\u017en\u00edk schopen p\u016fj\u010dku \u0159\u00e1dn\u011b spl\u00e1cet.Av\u0161ak co maj\u00ed tito lid\u00e9 d\u011blat? Na\u0161t\u011bst\u00ed existuj\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky pro probl\u00e9mov\u00e9 \u017eadatele FAHD. Av\u0161ak, z d\u016fvod\u016f nazna\u010den\u00fdch v\u00fd\u0161e, nen\u00ed v\u0161e tak r\u016f\u017eov\u00e9, jak by se mohlo zd\u00e1t. Mus\u00edme si toti\u017e uv\u011bdomit, \u017ee poskytovat p\u016fj\u010dky t\u011bmto lidem je pom\u011brn\u011b riskantn\u00ed, zvl\u00e1\u0161\u0165 pokud ji\u017e nav\u00edc maj\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f.Nen\u00ed tedy divu, \u017ee tyto firmy p\u0159ij\u00edmaj\u00ed opat\u0159en\u00ed, jak tyto ztr\u00e1ty minimalizovat. T\u00edm prvn\u00edm, se kter\u00fdm se setk\u00e1 ka\u017ed\u00fd, jsou vy\u0161\u0161\u00ed \u00faroky a poplatky ve srovn\u00e1n\u00ed s t\u011bmi, kter\u00e9 nab\u00edz\u00ed banka. To znamen\u00e1, \u017ee za samotnou slu\u017ebu p\u016fj\u010den\u00ed pen\u011bz zaplat\u00edte vy\u0161\u0161\u00ed \u010d\u00e1stku. Firma tak z jednoho \u0159\u00e1dn\u011b plat\u00edc\u00edho klienta z\u00edsk\u00e1 v\u00edce pen\u011bz.To v\u0161ak samoz\u0159ejm\u011b obvykle nesta\u010d\u00ed, koneckonc\u016f vzhledem k lidsk\u00e9 povaze i k tomu, \u017ee tito lid\u00e9 obvykle postr\u00e1daj\u00ed v\u011bt\u0161\u00ed finan\u010dn\u00ed gramotnost a schopnost dlouhodob\u00e9ho pl\u00e1nov\u00e1n\u00ed financ\u00ed, je pod\u00edl neplati\u010d\u016f mnohem vy\u0161\u0161\u00ed. Co s t\u00edm?Zde p\u0159ich\u00e1z\u00ed ke slovu pr\u00e1v\u011b syst\u00e9m poplatk\u016f, p\u0159edev\u0161\u00edm pak \u00faroky z prodlen\u00ed. Ty samoz\u0159ejm\u011b neb\u00fdvaj\u00ed nejmen\u0161\u00ed. Po n\u011bjak\u00e9 dob\u011b, kdy se \u010d\u00e1stka dostate\u010dn\u011b nav\u00fd\u0161\u00ed, jsou pen\u00edze vym\u00e1h\u00e1ny, a to \u010dasto dost tvrd\u011b, za pomoci nejr\u016fzn\u011bj\u0161\u00edch specializovan\u00fdch firem. I ty si samoz\u0159ejm\u011b \u00fa\u010dtuj\u00ed poplatky za poskytnut\u00e9 slu\u017eby, kter\u00e9 jsou p\u0159ipo\u010d\u00edt\u00e1ny dlu\u017en\u00edkovi k dlu\u017en\u00e9 \u010d\u00e1stce.Pokud ani toto nepom\u016f\u017ee, pak n\u00e1sleduje exekuce, kde je cel\u00e1 \u010d\u00e1stka vym\u00e1h\u00e1na a p\u0159\u00edpadn\u011b zabaveny a prod\u00e1ny v\u011bci v dan\u00e9 hodnot\u011b. Jak je vid\u011bt, finan\u010dn\u00ed spole\u010dnost takto nem\u016f\u017ee prohr\u00e1t. Av\u0161ak zoufal\u00fdch lid\u00ed je mnoho. Asi proto tyto firmy rostou jako houby po de\u0161ti.                                                                                                                                                                                                                                                                                                                                                                                                  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