[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zindl.cz\/zasady-pujcovani-penez\/#Article","mainEntityOfPage":"https:\/\/www.zindl.cz\/zasady-pujcovani-penez\/","headline":"Z\u00e1sady p\u016fj\u010dov\u00e1n\u00ed pen\u011bz","name":"Z\u00e1sady p\u016fj\u010dov\u00e1n\u00ed pen\u011bz","description":"P\u0159i p\u016fj\u010dov\u00e1n\u00ed pen\u011bz by se m\u011blo dodr\u017eovat jedno z\u00e1kladn\u00ed pravidlo: Doba spl\u00e1cen\u00ed p\u016fj\u010dky mus\u00ed b\u00fdt v\u017edy krat\u0161\u00ed, ne\u017e u\u017eitek z n\u00ed. Co\u017e je vlastn\u011b pravidlo, kter\u00e9 […]","datePublished":"2019-08-27","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.zindl.cz\/author\/#Person","name":"","url":"https:\/\/www.zindl.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":"zindl.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zindl.cz\/wp-content\/uploads\/img_a353851_w3788_t1568457208.jpg","url":"https:\/\/www.zindl.cz\/wp-content\/uploads\/img_a353851_w3788_t1568457208.jpg","height":0,"width":0},"url":"https:\/\/www.zindl.cz\/zasady-pujcovani-penez\/","about":["Finance"],"wordCount":543,"articleBody":"P\u0159i p\u016fj\u010dov\u00e1n\u00ed pen\u011bz by se m\u011blo dodr\u017eovat jedno z\u00e1kladn\u00ed pravidlo: Doba spl\u00e1cen\u00ed p\u016fj\u010dky mus\u00ed b\u00fdt v\u017edy krat\u0161\u00ed, ne\u017e u\u017eitek z n\u00ed. Co\u017e je vlastn\u011b pravidlo, kter\u00e9 nab\u00e1d\u00e1 lidi ke zv\u00e1\u017een\u00ed toho, zda p\u016fj\u010dku opravdu pot\u0159ebuj\u00ed. Nevyplat\u00ed se t\u0159eba p\u016fj\u010dovat si pen\u00edze na dovolenou, na v\u00e1no\u010dn\u00ed d\u00e1rky a jin\u00e9 v\u011bci kr\u00e1tkodob\u00e9ho charakteru. Proto\u017ee je pot\u0159eba si uv\u011bdomit, \u017ee \u017e\u00e1dn\u00e1 p\u016fj\u010dka ani \u00fav\u011br nen\u00ed zadarmo, v\u017edycky se n\u011bco p\u0159eplat\u00ed.Krom\u011b tohoto z\u00e1kladn\u00edho pravidla je pot\u0159eba se \u0159\u00eddit i dal\u0161\u00edmi pravidly, kter\u00e1 zabr\u00e1n\u00ed probl\u00e9m\u016fm se spl\u00e1cen\u00edm. Nap\u0159\u00edklad je dobr\u00e9 v\u011bd\u011bt, jak\u00e9 jsou va\u0161e finan\u010dn\u00ed mo\u017enosti, tedy to, kolik m\u011bs\u00ed\u010dn\u011b m\u016f\u017eete spl\u00e1cet a v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b si nebrat p\u016fj\u010dku, jej\u00ed\u017e spl\u00e1tka by byla vy\u0161\u0161\u00ed. To by mohlo v\u00e9st k p\u016fj\u010dce dal\u0161\u00ed a dal\u0161\u00ed a dostat v\u00e1s a\u017e do dluhov\u00e9 pasti. Spl\u00e1tka by m\u011bla b\u00fdt tak vysok\u00e1, aby nenaru\u0161ila b\u011b\u017en\u00fd rodinn\u00fd rozpo\u010det.Dal\u0161\u00ed z\u00e1sadou je v\u00fdb\u011br spr\u00e1vn\u00e9 p\u016fj\u010dky. Na bankovn\u00edm trhu jsou toti\u017e r\u016fzn\u00e9 typy, kter\u00e9 mohou b\u00fdt r\u016fzn\u011b v\u00fdhodn\u00e9 k t\u00e9 kter\u00e9 v\u011bci. Jsou \u00fa\u010delov\u00e9 (ur\u010den\u00e9 pro n\u00e1kup konkr\u00e9tn\u00edho zbo\u017e\u00ed – nap\u0159. nemovitosti) a ne\u00fa\u010delov\u00e9, kter\u00e9 lze pou\u017e\u00edt na cokoliv, ov\u0161em za cenu vy\u0161\u0161\u00edch \u00farok\u016f. D\u00e1le jsou zaji\u0161t\u011bn\u00e9 nap\u0159\u00edklad nemovitost\u00ed a dra\u017e\u0161\u00ed nezaji\u0161t\u011bn\u00e9, kde je rozhoduj\u00edc\u00edm faktorem jej\u00edho poskytnut\u00ed schopnost spl\u00e1cet – tzv. bonita klienta.P\u0159i dlouhodob\u00fdch p\u016fj\u010dk\u00e1ch je dobr\u00e9 myslet dop\u0159edu. To znamen\u00e1, \u017ee byste m\u011bli zv\u00e1\u017eit, zda budete schopn\u00ed p\u016fj\u010dku spl\u00e1cet i v p\u0159\u00edpad\u011b nemoci \u010di ztr\u00e1ty zam\u011bstn\u00e1n\u00ed. Pokud ne, je dobr\u00e9 si ji\u017e p\u0159i uzav\u00edr\u00e1n\u00ed smlouvy do n\u00ed zan\u00e9st nap\u0159\u00edklad poji\u0161t\u011bn\u00ed neschopnosti spl\u00e1cet. N\u011bkter\u00e9 spole\u010dnosti nab\u00edz\u00ed tak\u00e9 mo\u017enost sn\u00ed\u017een\u00ed \u010di odkladu spl\u00e1tek. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b je dobr\u00e9 v\u011bd\u011bt, jak\u00e9 sankce p\u0159i nespl\u00e1cen\u00ed hroz\u00ed.Tak\u00e9 porovn\u00e1n\u00ed p\u016fj\u010dek od r\u016fzn\u00fdch spole\u010dnost\u00ed nen\u00ed na \u0161kodu. Konkurence v t\u00e9to oblasti je velmi rozs\u00e1hl\u00e1, proto se zpravidla nevyplat\u00ed vz\u00edt si prvn\u00ed p\u016fj\u010dku, na kterou naraz\u00edte. Na internetu je k nalezen\u00ed spousta kalkula\u010dek, kter\u00e9 zvl\u00e1dnou srovn\u00e1vat jednotliv\u00e9 druhy.A posledn\u00edm pravidlem je stru\u010dnost a srozumitelnost smlouvy, proto\u017ee ne ka\u017ed\u00fd rozum\u00ed \u0159e\u010di pr\u00e1vn\u00edk\u016f. Komplikovan\u00e9 a dlouh\u00e9 smlouvy dopl\u0148ovan\u00e9 drobn\u00fdm p\u00edsmem jsou znakem podvodn\u00fdch spole\u010dnost\u00ed. Ka\u017ed\u00e1 smlouva by m\u011bla obsahovat \u00fadaje o celkov\u00e9 v\u00fd\u0161i \u00fav\u011bru, \u00farokov\u00e9 sazb\u011b, RPSN, dob\u011b splatnosti, v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek a datum jejich splatnosti, zp\u016fsob spl\u00e1cen\u00ed, sank\u010dn\u00ed poplatky a podobn\u00e9 v\u011bci.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1sady p\u016fj\u010dov\u00e1n\u00ed pen\u011bz","item":"https:\/\/www.zindl.cz\/zasady-pujcovani-penez\/#breadcrumbitem"}]}]