[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.epod.cz\/pujcky-na-vanocni-darky-to-neni-jen-reklamni-trik-opravdu-existuji\/#Article","mainEntityOfPage":"https:\/\/www.epod.cz\/pujcky-na-vanocni-darky-to-neni-jen-reklamni-trik-opravdu-existuji\/","headline":"P\u016fj\u010dky na v\u00e1no\u010dn\u00ed d\u00e1rky \u2013 to nen\u00ed jen reklamn\u00ed trik. Opravdu existuj\u00ed!","name":"P\u016fj\u010dky na v\u00e1no\u010dn\u00ed d\u00e1rky \u2013 to nen\u00ed jen reklamn\u00ed trik. Opravdu existuj\u00ed!","description":"Je a\u017e neuv\u011b\u0159iteln\u00e9, k jak\u00fdm \u00fa\u010del\u016fm si lid\u00e9 p\u016fj\u010duj\u00ed pen\u00edze. Co je do\u017eene a\u017e k tomu, \u017ee se zadlu\u017e\u00ed kv\u016fli v\u00e1no\u010dn\u00edm d\u00e1rk\u016fm. Pokud pat\u0159\u00edte k t\u011bm, co jen nev\u011b\u0159\u00edcn\u011b krout\u00ed hlavou, m\u00e1te \u0161t\u011bst\u00ed. P\u0159esto je tu cel\u00e1 jedna desetina n\u00e1roda \u010desk\u00e9ho, kter\u00e1 se ji\u017e n\u011bkdy v minulosti v souvislosti s V\u00e1nocemi zadlu\u017eila. Nen\u00ed pravidlem, \u017ee […]","datePublished":"2017-12-27","dateModified":"2017-12-27","author":{"@type":"Person","@id":"https:\/\/www.epod.cz\/author\/#Person","name":"","url":"https:\/\/www.epod.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"epod.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.epod.cz\/wp-content\/uploads\/img_a308626_w1786_t1519723197.jpg","url":"https:\/\/www.epod.cz\/wp-content\/uploads\/img_a308626_w1786_t1519723197.jpg","height":0,"width":0},"url":"https:\/\/www.epod.cz\/pujcky-na-vanocni-darky-to-neni-jen-reklamni-trik-opravdu-existuji\/","wordCount":490,"articleBody":"Je a\u017e neuv\u011b\u0159iteln\u00e9, k jak\u00fdm \u00fa\u010del\u016fm si lid\u00e9 p\u016fj\u010duj\u00ed pen\u00edze. Co je do\u017eene a\u017e k tomu, \u017ee se zadlu\u017e\u00ed kv\u016fli v\u00e1no\u010dn\u00edm d\u00e1rk\u016fm. Pokud pat\u0159\u00edte k t\u011bm, co jen nev\u011b\u0159\u00edcn\u011b krout\u00ed hlavou, m\u00e1te \u0161t\u011bst\u00ed. P\u0159esto je tu cel\u00e1 jedna desetina n\u00e1roda \u010desk\u00e9ho, kter\u00e1 se ji\u017e n\u011bkdy v minulosti v souvislosti s V\u00e1nocemi zadlu\u017eila. Nen\u00ed pravidlem, \u017ee si lid\u00e9 p\u016fj\u010duj\u00ed na V\u00e1noce v\u00fdhradn\u011b v bance nebo u nebankovn\u00ed spole\u010dnosti. P\u016fj\u010duj\u00ed si pen\u00edze n\u011bkdy i mezi sebou, v p\u0159\u00edbuzenstvu, nebo mezi p\u0159\u00e1teli. Ov\u0161em p\u0159ekvapiv\u011b nejv\u011bt\u0161\u00ed objem zadlu\u017een\u00fdch nen\u00ed mezi seniory, kte\u0159\u00ed maj\u00ed nejni\u017e\u0161\u00ed p\u0159\u00edjmy z cel\u00e9 populace (a\u017e na v\u00fdjimky), ale mezi mlad\u00fdmi lidmi ve v\u011bku od 18 do 26 let. Zd\u00e1 se, \u017ee se n\u00e1m tu rozm\u00e1h\u00e1 nov\u00fd fenom\u00e9n, proto\u017ee p\u016fj\u010dky kv\u016fli V\u00e1noc\u016fm se senior\u016f prakticky net\u00fdkaj\u00ed a naopak po\u010det mlad\u00fdch lid\u00ed zadlu\u017een\u00fdch na V\u00e1noce pomalu nar\u016fst\u00e1.  V roce 2017 uzav\u0159elo smlouvu o p\u016fj\u010dce pouze 3 procenta lid\u00ed ve v\u011bku nad 55 let a naopak 27 procent mlad\u00fdch lid\u00ed do 26 let. P\u016fj\u010dky se pohybovaly nej\u010dast\u011bji kolem deseti tis\u00edc korun. Dlu\u017en\u00edci \u010dasto jednaj\u00ed bez rozmyslu, jak a z \u010deho p\u016fj\u010dku splat\u00ed P\u016fj\u010dky na V\u00e1noce s velkou pravd\u011bpodobnost\u00ed souvis\u00ed s nezodpov\u011bdnost\u00ed mlad\u00fdch lid\u00ed, kte\u0159\u00ed propadnou p\u0159edv\u00e1no\u010dn\u00ed euforii, a honba za hmotn\u00fdmi d\u00e1rky p\u0159etla\u010d\u00ed duchovn\u00ed pozad\u00ed nejkr\u00e1sn\u011bj\u0161\u00edch sv\u00e1tk\u016f v roce. V\u00e1noce se zkr\u00e1tka za\u010d\u00ednaj\u00ed st\u00e1vat komer\u010dn\u00ed hrou o majetku a zlat\u00e9m pozl\u00e1tku, zat\u00edmco l\u00e1ska k bli\u017en\u00edmu a nezi\u0161tn\u00e9 dary v r\u00e1mci p\u0159\u00e1telsk\u00fdch vztah\u016f se kamsi vytr\u00e1c\u00ed. Nicm\u00e9n\u011b v\u0161em dlu\u017en\u00edk\u016fm od roku 2018 pomohou zm\u011bny v legislativ\u011b, kter\u00e9 na\u0159izuj\u00ed povinn\u011b zve\u0159ejnit finan\u010dn\u00edm subjekt\u016fm RPSN (ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f) v p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. Z\u00e1jemce o p\u016fj\u010dku by si tedy m\u011bl p\u0159edev\u0161\u00edm v\u010das propo\u010d\u00edtat, kolik p\u0159eplat\u00ed, a ujasnit si, za jak\u00fdch podm\u00ednek bude dluh spl\u00e1cet. V\u00e1noce v\u0161ak tak\u00e9 mohou b\u00fdt o klidu a pohod\u011b, lid\u00e9 d\u0159\u00edve nem\u011bli takov\u00e9 mo\u017enosti po\u0159izovat si technick\u00e9 \u201ehra\u010dky\u201c a p\u0159esto \u017eili \u0161\u0165astn\u011b a spokojen\u011b i bez mobiln\u00edch telefon\u016f, notebook\u016f a tablet\u016f. Nav\u0161t\u00edvit p\u016flno\u010dn\u00ed m\u0161i, proj\u00edt se ve\u010der (zasn\u011b\u017eenou) krajinou a zazp\u00edvat si koledy i bez hudebn\u00edho doprovodu m\u00e1 tak\u00e9 sv\u00e9 kouzlo. A mo\u017en\u00e1 cenn\u011bj\u0161\u00ed, ne\u017e ten modern\u00ed v\u00fdk\u0159ik techniky.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dky na v\u00e1no\u010dn\u00ed d\u00e1rky \u2013 to nen\u00ed jen reklamn\u00ed trik. Opravdu existuj\u00ed!","item":"https:\/\/www.epod.cz\/pujcky-na-vanocni-darky-to-neni-jen-reklamni-trik-opravdu-existuji\/#breadcrumbitem"}]}]