[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gestoria.cz\/pujcka-zapujcka-jaky-je-v-tom-rozdil\/#Article","mainEntityOfPage":"https:\/\/www.gestoria.cz\/pujcka-zapujcka-jaky-je-v-tom-rozdil\/","headline":"P\u016fj\u010dka z\u00e1p\u016fj\u010dka – jak\u00fd je v tom rozd\u00edl?","name":"P\u016fj\u010dka z\u00e1p\u016fj\u010dka – jak\u00fd je v tom rozd\u00edl?","description":"Ka\u017ed\u00e9mu z n\u00e1s se m\u016f\u017ee st\u00e1t, \u017ee se dostane do finan\u010dn\u00ed t\u00edsn\u011b, p\u0159\u00edpadn\u011b \u017ee si bude cht\u00edt koupit n\u011bco, co je moment\u00e1ln\u011b nad jeho finan\u010dn\u00ed … ","datePublished":"2021-10-20","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.gestoria.cz\/author\/#Person","name":"","url":"https:\/\/www.gestoria.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gestoria.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gestoria.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_1.jpg","url":"https:\/\/www.gestoria.cz\/wp-content\/uploads\/hypoteka1_10_10_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.gestoria.cz\/pujcka-zapujcka-jaky-je-v-tom-rozdil\/","about":["Ekonomika"],"wordCount":489,"articleBody":"   Ka\u017ed\u00e9mu z n\u00e1s se m\u016f\u017ee st\u00e1t, \u017ee se dostane do finan\u010dn\u00ed t\u00edsn\u011b, p\u0159\u00edpadn\u011b \u017ee si bude cht\u00edt koupit n\u011bco, co je moment\u00e1ln\u011b nad jeho finan\u010dn\u00ed mo\u017enosti. \u0158e\u0161en\u00ed t\u011bchto situac\u00ed m\u016f\u017ee b\u00fdt mnoho, av\u0161ak je jasn\u00e9, \u017ee mnoho lid\u00ed instinktivn\u011b vol\u00ed tu nejjednodu\u0161\u0161\u00ed, nejrychlej\u0161\u00ed a nejpohodln\u011bj\u0161\u00ed mo\u017enost, tedy p\u016fj\u010dku.Je pravdou, \u017ee z kr\u00e1tkodob\u00e9ho hlediska se skute\u010dn\u011b jedn\u00e1 o nejlep\u0161\u00ed mo\u017en\u00e9 \u0159e\u0161en\u00ed. A mnoho lid\u00ed v dlouhodob\u00e9 perspektiv\u011b neuva\u017euje. To se bohu\u017eel uk\u00e1\u017ee jako probl\u00e9m, nebo\u0165 pr\u00e1v\u011b dlouhodob\u00e1 perspektiva je to, co bychom m\u011bli uva\u017eovat v prvn\u00ed \u0159ad\u011b. Je toti\u017e sice p\u011bkn\u00e9, \u017ee budeme m\u00edt hned dostatek pen\u011bz, av\u0161ak bude to platit i v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch? Nezhor\u0161\u00ed se v kone\u010dn\u00e9m d\u016fsledku na\u0161e situace, nebo\u0165 budeme m\u00edt dal\u0161\u00ed v\u00fddaje se spl\u00e1cen\u00edm?Av\u0161ak jak ji\u017e bylo \u0159e\u010deno, to je n\u011bco, nad \u010d\u00edm mnoho lid\u00ed neuva\u017euje. Proto se obr\u00e1t\u00ed na banku \u010di n\u011bkterou z finan\u010dn\u00edch spole\u010dnost\u00ed a jdou za\u017e\u00e1dat o pen\u00edze. Zde se v\u0161ak setkaj\u00ed s r\u016fzn\u00fdmi term\u00edny, kter\u00fdm nemus\u00ed hned rozum\u011bt. Jejich znalost je v\u0161ak pom\u011brn\u011b d\u016fle\u017eit\u00e1, pokud chceme skute\u010dn\u011b pochopit ve\u0161ker\u00e9 podm\u00ednky p\u016fj\u010dky.Jsou to nap\u0159\u00edklad p\u016fj\u010dka z\u00e1p\u016fj\u010dka https:\/\/lightfinance.cz\/zapujcka-se-zastavou-nemovitosti\/ a v\u00fdp\u016fj\u010dka. Tyto v\u00fdrazy zn\u011bj\u00ed velmi podobn\u011b, av\u0161ak p\u0159esto je mezi nimi pom\u011brn\u011b velk\u00fd rozd\u00edl. Term\u00edn p\u016fj\u010dka v sob\u011b oba n\u00e1sleduj\u00edc\u00ed v\u00fdrazy zahrnuje. Pokud tedy \u017e\u00e1d\u00e1me o p\u016fj\u010dku, m\u016f\u017ee se jednat jak o z\u00e1p\u016fj\u010dku, tak i v\u00fdp\u016fj\u010dku.Rozd\u00edl mezi nimi je v tom, \u017ee z\u00e1p\u016fj\u010dka se t\u00fdk\u00e1 pen\u011bz, a v\u00fdp\u016fj\u010dka v\u011bc\u00ed. Pokud tedy jdeme \u017e\u00e1dat o finan\u010dn\u00ed p\u016fj\u010dku, jedn\u00e1 se v\u017edy o z\u00e1p\u016fj\u010dku. Pokud si ale jdeme nap\u0159\u00edklad p\u016fj\u010dit do autop\u016fj\u010dovny n\u00e1kladn\u00ed automobil nap\u0159\u00edklad kv\u016fli st\u011bhov\u00e1n\u00ed, to u\u017e je v\u00fdp\u016fj\u010dka. A jako takov\u00e9 by m\u011bly b\u00fdt i ozna\u010deny ve sv\u00fdch p\u0159\u00edslu\u0161n\u00fdch smlouv\u00e1ch, aby nebylo \u017e\u00e1dn\u00e9 pochybnosti, o co se vlastn\u011b jedn\u00e1.Nutnost jednozna\u010dnosti je pak pr\u00e1v\u011b to, pro\u010d jsou tyto v\u00fdrazy takto rozd\u011bleny. V\u0161ichni toti\u017e v\u00edme, \u017ee v pr\u00e1vn\u00edm sv\u011bt\u011b je nutn\u00e9 m\u00edt v\u0161e jasn\u011b definovan\u00e9, aby nebylo mo\u017en\u00e9 danou v\u011bc n\u011bjak napadnout. T\u00edm se koneckonc\u016f chr\u00e1n\u00ed ob\u011b strany \u2013 a to je hlavn\u00ed \u00fa\u010del.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka z\u00e1p\u016fj\u010dka – jak\u00fd je v tom rozd\u00edl?","item":"https:\/\/www.gestoria.cz\/pujcka-zapujcka-jaky-je-v-tom-rozdil\/#breadcrumbitem"}]}]