[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.benago.cz\/pujcit-si-penize-je-velmi-snadne\/#Article","mainEntityOfPage":"https:\/\/www.benago.cz\/pujcit-si-penize-je-velmi-snadne\/","headline":"P\u016fj\u010dit si pen\u00edze je velmi snadn\u00e9","name":"P\u016fj\u010dit si pen\u00edze je velmi snadn\u00e9","description":"V \u017eivot\u011b jsou r\u016fzn\u00e9 situace, kdy se m\u016f\u017ee poc\u00edtit nedostatek financ\u00ed. To by ale nem\u011bl b\u00fdt d\u016fvod k tomu, abychom se zadlu\u017eili tak moc, \u017ee nezvl\u00e1dneme spl\u00e1cet \u010d\u00e1stky, kter\u00e9 jsme …","datePublished":"2019-08-03","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.benago.cz\/author\/#Person","name":"","url":"https:\/\/www.benago.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"benago.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.benago.cz\/wp-content\/uploads\/img_a360563_w1793_t1574182547.jpg","url":"https:\/\/www.benago.cz\/wp-content\/uploads\/img_a360563_w1793_t1574182547.jpg","height":0,"width":0},"url":"https:\/\/www.benago.cz\/pujcit-si-penize-je-velmi-snadne\/","about":["Finance"],"wordCount":449,"articleBody":"          V \u017eivot\u011b jsou r\u016fzn\u00e9 situace, kdy se m\u016f\u017ee poc\u00edtit nedostatek financ\u00ed. To by ale nem\u011bl b\u00fdt d\u016fvod k tomu, abychom se zadlu\u017eili tak moc, \u017ee nezvl\u00e1dneme spl\u00e1cet \u010d\u00e1stky, kter\u00e9 jsme si odsouhlasili s t\u00edm, kdo n\u00e1m pen\u00edze zap\u016fj\u010dil. Skute\u010dn\u011b je velmi snadn\u00e9 si p\u016fj\u010dit, ale dodr\u017eet term\u00edny spl\u00e1tek je pro n\u011bkter\u00e9 neskute\u010dn\u011b t\u011b\u017ek\u00fd \u00fakol. Co za t\u00edm m\u016f\u017ee st\u00e1t? Je to prost\u00e9 nebezpe\u010d\u00ed, kter\u00e9 se schov\u00e1v\u00e1 v podob\u011b mal\u00fdch \u00fav\u011br\u016f, kter\u00e9 n\u00e1s p\u0159esv\u011bd\u010dily o tom, \u017ee p\u0159ece to nen\u00ed tak velk\u00e1 spl\u00e1tka, aby se to nedalo zvl\u00e1dnout. Ocitnout se pot\u00e9 v dluhov\u00e9 pasti je p\u0159\u00edli\u0161 snadn\u00e9 a hlavn\u011b nekone\u010dn\u00e9. Jak je mo\u017en\u00e9, \u017ee tak dlouho nen\u00ed vid\u011bt c\u00edl? Spl\u00e1c\u00edme tolik a v podstat\u011b jakoby z t\u00e9 velk\u00e9 hromady neub\u00fdvalo.  Za tohle m\u016f\u017ee \u00farok Kdy\u017e m\u00e1me schv\u00e1len\u00fd \u00fav\u011br nebo rychlou p\u016fj\u010dku, tak dokonce m\u016f\u017eeme b\u00fdt \u0161\u0165astn\u00ed, \u017ee to tak hladce vy\u0161lo, ale po p\u00e1r spl\u00e1tk\u00e1ch zjist\u00edme, \u017ee n\u00e1m moc neubylo z vyp\u016fj\u010den\u00fdch pen\u011bz. Ani nemus\u00ed, v\u017edy\u0165 jsme si zvolili nejmen\u0161\u00ed \u010d\u00e1stku na del\u0161\u00ed dobu spl\u00e1cen\u00ed. Ani n\u00e1s nenapadlo se pod\u00edvat, kolik vlastn\u011b zbyte\u010dn\u011b p\u0159eplat\u00edme. A u\u017e v\u016fbec ne, \u017ee zpo\u010d\u00e1tku se bude platit v\u00edc \u00farokov\u00e1 sazba, ne\u017e samotn\u00e1 spl\u00e1tka. \u00darok jako takov\u00fd je prakticky u v\u0161ech vyp\u016fj\u010den\u00fdch pen\u011bz, s t\u00edm se mus\u00ed po\u010d\u00edtat. Sv\u00fdm zp\u016fsobem je to odm\u011bna p\u016fj\u010duj\u00edc\u00edmu za to, \u017ee jsme si mohli tento obnos odn\u00e9st nebo utratit. Sp\u00ed\u0161 je d\u016fle\u017eit\u00e9, v jak\u00e9 v\u00fd\u0161i vlastn\u011b bude. Mo\u017en\u00e1 se v\u00edce vyplat\u00ed soust\u0159edit na procenta ve smlouv\u011b, ne\u017e vidinu p\u00e1r bankovek. Je pravdou, \u017ee nap\u0159\u00edklad \u00farok Nebankovn\u00ed hypot\u00e9ky m\u016f\u017ee b\u00fdt mnohdy v\u00fdhodn\u011bj\u0161\u00ed, ne\u017e u bankovn\u00edho institutu. Na co se soust\u0159edit?  V prvn\u00ed \u0159ad\u011b si odpov\u011bdn\u011b zd\u016fvodnit, zdali je t\u0159eba v\u016fbec \u00fav\u011br nebo p\u016fj\u010dka nutn\u00fdm krokem. Zeptat se na \u00farokovou sazbu. Vyplat\u00ed se si zjistit, zdali nejsou jin\u00e9 instituty, kde by to bylo v\u00fdhodn\u011bj\u0161\u00ed. Po\u0159\u00e1dn\u011b si p\u0159e\u010d\u00edst smluvn\u00ed podm\u00ednky, ne\u017e se rozhodneme smlouvu podepsat.   Pokud nen\u00ed nutn\u00e9 si p\u016fj\u010dovat, tak se rad\u011bji tomuto kroku vyhnout a zkusit to bez p\u016fj\u010dek a finan\u010dn\u00edch starost\u00ed nav\u00edc.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dit si pen\u00edze je velmi snadn\u00e9","item":"https:\/\/www.benago.cz\/pujcit-si-penize-je-velmi-snadne\/#breadcrumbitem"}]}]