[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.clcomp.cz\/nakupuje-se-i-na-dluh\/#Article","mainEntityOfPage":"https:\/\/www.clcomp.cz\/nakupuje-se-i-na-dluh\/","headline":"Nakupuje se i na dluh","name":"Nakupuje se i na dluh","description":"Mnoz\u00ed lid\u00e9 pot\u0159ebuj\u00ed nezbytn\u011b i v\u011bci, kter\u00e9 si moment\u00e1ln\u011b nemohou z finan\u010dn\u00edch d\u016fvod\u016f dovolit. To je prost\u011b fakt, kter\u00fd je nezpochybniteln\u00fd. Jsou v\u011bci, bez kter\u00fdch se ned\u00e1 norm\u00e1ln\u011b existovat, jen\u017ee […]","datePublished":"2021-11-18","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.clcomp.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.clcomp.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cc56039f878f8e8e6c7e1eb22b366a601f7187d0f8d182368eef8adef545f35b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cc56039f878f8e8e6c7e1eb22b366a601f7187d0f8d182368eef8adef545f35b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"clcomp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.clcomp.cz\/wp-content\/uploads\/%C4%8Dty%C5%99i%20mince_5.jpg","url":"https:\/\/www.clcomp.cz\/wp-content\/uploads\/%C4%8Dty%C5%99i%20mince_5.jpg","height":0,"width":0},"url":"https:\/\/www.clcomp.cz\/nakupuje-se-i-na-dluh\/","about":["Finance"],"wordCount":444,"articleBody":"   Mnoz\u00ed lid\u00e9 pot\u0159ebuj\u00ed nezbytn\u011b i v\u011bci, kter\u00e9 si moment\u00e1ln\u011b nemohou z finan\u010dn\u00edch d\u016fvod\u016f dovolit. To je prost\u011b fakt, kter\u00fd je nezpochybniteln\u00fd. Jsou v\u011bci, bez kter\u00fdch se ned\u00e1 norm\u00e1ln\u011b existovat, jen\u017ee z\u00e1rove\u0148 jsou tu i lid\u00e9, kte\u0159\u00ed z mnoha nejr\u016fzn\u011bj\u0161\u00edch p\u0159\u00ed\u010din pr\u00e1v\u011b nemaj\u00ed tolik pen\u011bz, aby si to pot\u0159ebn\u00e9 mohli po\u0159\u00eddit. A to znamen\u00e1 jedin\u00e9. \u017de si n\u011bkdy uvedenou v\u011bc mus\u00edme po\u0159\u00eddit v podstat\u011b na dluh. Kter\u00e9mu se \u0159\u00edk\u00e1 nap\u0159\u00edklad spot\u0159ebitelsk\u00fd \u00fav\u011br.Spot\u0159ebitelsk\u00fd \u00fav\u011br znamen\u00e1 vlastn\u011b to, \u017ee si \u010dlov\u011bk po\u0159\u00edd\u00ed v\u011bc, o n\u00ed\u017e tu byla \u0159e\u010d, dejme tomu vybaven\u00ed dom\u00e1cnosti \u010di auto, hned, s t\u00edm, \u017ee to zaplat\u00ed p\u016fj\u010den\u00fdmi, tedy ciz\u00edmi pen\u011bzi, je\u017e jsou mu n\u011bjakou finan\u010dn\u00ed instituc\u00ed d\u00e1ny k dispozici, a s t\u011bmi, kdo mu p\u016fj\u010dili, se pak postupn\u011b vyrovn\u00e1.Takov\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br tedy m\u016f\u017ee b\u00fdt dobr\u00e1 v\u011bc. V\u017edy\u0165 si jenom p\u0159edstavte t\u0159eba mlad\u00e9 lidi, kte\u0159\u00ed doposud nem\u011bli \u010das si na\u0161et\u0159it a kte\u0159\u00ed by tak byli nuceni \u017e\u00edt nevyhnuteln\u011b mezi \u010dty\u0159mi hol\u00fdmi st\u011bnami, proto\u017ee by nem\u011bli na n\u00e1kup ani toho nejz\u00e1kladn\u011bj\u0161\u00edho n\u00e1bytku a dal\u0161\u00edho vybaven\u00ed dom\u00e1cnosti. Nebo si p\u0159edstavte za\u010darovan\u00fd kruh, ve kter\u00e9m by se mohl dejme tomu ocitnout n\u011bkdo, kdo by pot\u0159eboval auto, aby j\u00edm mohl jezdit za prac\u00ed a vyd\u011bl\u00e1vat si, ale sou\u010dasn\u011b by si takov\u00e9 auto nemohl dovolit, proto\u017ee na n\u011bj je\u0161t\u011b nem\u00e1 vyd\u011bl\u00e1no a kv\u016fli sv\u00e9 situaci si tak na n\u011bj ani nevyd\u011bl\u00e1. A podobn\u00fdch p\u0159\u00edklad\u016f bychom si mohli uv\u00e9st v\u00edce.A tak je vlastn\u011b dob\u0159e, \u017ee se nab\u00edzej\u00ed i takov\u00e9to \u00fav\u011bry, ur\u010den\u00e9 k uspokojov\u00e1n\u00ed pot\u0159eb jednotlivc\u016f, takzvan\u00fdch spot\u0159ebitel\u016f. Je sice jist\u00e9, \u017ee vezme-li si n\u011bkdo takov\u00fd \u00fav\u011br, p\u0159eplat\u00ed na \u00faroc\u00edch \u010di poplatc\u00edch, ale n\u011bkdy je pr\u00e1v\u011b toto daleko men\u0161\u00edm zlem ne\u017e realita, v n\u00ed\u017e by \u010dlov\u011bk pen\u00edze postr\u00e1dal a to nezbytn\u00e9 nem\u011bl.A nikoho tak nelze automaticky kritizovat za to, \u017ee \u201ad\u011bl\u00e1 dluhy\u2018. V tomto ohledu si toti\u017e kritiku zaslou\u017e\u00ed jenom ti, kte\u0159\u00ed si bez rozmyslu p\u016fj\u010duj\u00ed na zbyte\u010dnosti. A t\u00edm riskuj\u00ed, \u017ee se podobn\u00fdmi \u00fav\u011bry zruinuj\u00ed. Co\u017e ale nen\u00ed z\u00e1le\u017eitost rozumn\u011b uva\u017euj\u00edc\u00edch lid\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.9\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nakupuje se i na dluh","item":"https:\/\/www.clcomp.cz\/nakupuje-se-i-na-dluh\/#breadcrumbitem"}]}]