[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.samlik.cz\/financni-past\/#Article","mainEntityOfPage":"https:\/\/www.samlik.cz\/financni-past\/","headline":"Finan\u010dn\u00ed past","name":"Finan\u010dn\u00ed past","description":"Um\u011bt spr\u00e1vn\u011b hospoda\u0159it s pen\u011bzi je dovednost, bez kter\u00e9 se zkr\u00e1tka nikdo z n\u00e1s neobejde. Bohu\u017eel d\u0159\u00edve se o pen\u011bz\u00edch […]","datePublished":"2019-01-29","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.samlik.cz\/author\/#Person","name":"","url":"https:\/\/www.samlik.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"samlik.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.samlik.cz\/wp-content\/uploads\/img_a341100_w1697_t1553862160.png","url":"https:\/\/www.samlik.cz\/wp-content\/uploads\/img_a341100_w1697_t1553862160.png","height":0,"width":0},"url":"https:\/\/www.samlik.cz\/financni-past\/","about":["Ekonomika"],"wordCount":453,"articleBody":"       Um\u011bt spr\u00e1vn\u011b hospoda\u0159it s pen\u011bzi je dovednost, bez kter\u00e9 se zkr\u00e1tka nikdo z n\u00e1s neobejde. Bohu\u017eel d\u0159\u00edve se o pen\u011bz\u00edch a v\u016fbec i hospoda\u0159en\u00ed s nimi nikde moc nemluvilo a vlastn\u011b ani rodi\u010de d\u0159\u00edve tomu nev\u011bnovali takovou pozornost. V\u00fdsledkem toho je, \u017ee mnohdy hodn\u011b t\u011b\u017eko rozezn\u00e1me, kdy je to pro n\u00e1s nebezpe\u010dn\u00e9 si p\u016fj\u010dit. Vid\u00edme, \u017ee te\u010f vy\u0159e\u0161\u00edme n\u011bjak\u00fd probl\u00e9m, napln\u00edme touhu, ale co bude d\u00e1l, to nikdo moc ne\u0159e\u0161\u00ed.Nejhor\u0161\u00ed finan\u010dn\u00ed past\u00ed jsou pom\u011brn\u011b mal\u00e9 a rychl\u00e9 p\u016fj\u010dky, kter\u00e9 se daj\u00ed dnes sjednat p\u0159es telefon nebo internet. Podle toho jak \u010dlov\u011bk spl\u00e1c\u00ed, se mu navy\u0161uje mo\u017enost v\u011bt\u0161\u00edch a vy\u0161\u0161\u00edch \u00fav\u011br\u016f nebo refinancov\u00e1n\u00ed, co\u017e je mnohdy velmi ne\u0161\u0165astn\u00e1 volba. Kdy\u017e se nahromad\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry, mal\u00e9 p\u016fj\u010dky a do toho b\u011b\u017en\u00e9 v\u00fddaje, mnohdy se m\u016f\u017eeme ocitnout na takzvan\u00e9m tenk\u00e9m ledu. Kdy\u017e zaplat\u00edme v\u0161e, co m\u00e1me, zjist\u00edme, \u017ee na \u017eivobyt\u00ed ji\u017e mnoho nez\u016fstane. Volba bude jednoduch\u00e1, bu\u010f nov\u00e1 p\u016fj\u010dka, nebo zkr\u00e1tka n\u011bco nezaplatit, to ale znamen\u00e1 za\u010d\u00e1tek probl\u00e9m\u016f. Pro\u010d jsme takto dopadli? Jednodu\u0161e, nevid\u00edme n\u00e1strahy, kter\u00e9 se dok\u00e1\u017eou skr\u00fdt i v samotn\u00fdch zkratk\u00e1ch, nap\u0159\u00edklad prvn\u00ed nebezpe\u010d\u00ed \u010d\u00edh\u00e1 na n\u00e1s v podob\u011b https:\/\/www.fahd.cz\/rpsn\/. Ano pr\u00e1v\u011b RPSN \u2013 ro\u010dn\u00ed procentu\u00e1ln\u00ed sazba n\u00e1klad\u016f, n\u00e1m napov\u00edd\u00e1 o v\u00fdhodnosti nebo nev\u00fdhodnosti p\u016fj\u010dky. Jenom\u017ee kdo to nev\u00ed, tak si to p\u0159ebere tak, \u017ee je to vlastn\u011b v\u00fdhodn\u00fd \u00farok. Opak je pravdou a p\u0159edev\u0161\u00edm se nejedn\u00e1 o \u017e\u00e1dn\u00fd \u00farok. Je to v podstat\u011b \u010d\u00edslo, kter\u00e9 se slo\u017eit\u011b vypo\u010d\u00edt\u00e1v\u00e1 ze vzorce a ud\u00e1v\u00e1 procentu\u00e1ln\u00ed pod\u00edl z dlu\u017en\u00e9 \u010d\u00e1stky, kterou mus\u00edme zaplatit za obdob\u00ed jednoho roku v souvislosti s ur\u010den\u00fdmi spl\u00e1tkami. Ale to nen\u00ed v\u0161e.Pod tento v\u00fdpo\u010det se schov\u00e1 je\u0161t\u011b administrativn\u00ed poplatky, d\u00e1le poplatky za p\u0159evody, za spr\u00e1vu \u00fav\u011bru nebo veden\u00ed  http:\/\/www.ceskatelevize.cz\/vse-o-ct\/lide\/management\/ \u00fa\u010dtu a podobn\u011b. Kdy\u017e budeme pozorn\u00ed, tak mnohdy takov\u00e9 RPSN je pom\u011brn\u011b vysok\u00e9 a to by n\u00e1s m\u011blo upozornit, \u017ee by bylo lep\u0161\u00ed zvolit jin\u00fd sm\u011br. Pokud jsme smlouvu je\u0161t\u011b neuzav\u0159eli, tak je st\u00e1le \u010das odstoupit a naj\u00edt jinou mo\u017enost. I k p\u016fj\u010dov\u00e1n\u00ed pen\u011bz se mus\u00ed postupovat zodpov\u011bdn\u011b.                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed past","item":"https:\/\/www.samlik.cz\/financni-past\/#breadcrumbitem"}]}]