[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.eberunka.cz\/financnictvi-a-pujcky-vsechno-co-potrebujete-vedet\/#Article","mainEntityOfPage":"https:\/\/www.eberunka.cz\/financnictvi-a-pujcky-vsechno-co-potrebujete-vedet\/","headline":"Finan\u010dnictv\u00ed a p\u016fj\u010dky \u2013 v\u0161echno, co pot\u0159ebujete v\u011bd\u011bt","name":"Finan\u010dnictv\u00ed a p\u016fj\u010dky \u2013 v\u0161echno, co pot\u0159ebujete v\u011bd\u011bt","description":"D\u016fle\u017eit\u00e9 je tak\u00e9 vyznat se v\u00a0z\u00e1kladn\u00edch pojmech tohoto odv\u011btv\u00ed. Jedn\u00edm z\u00a0nich je pojem \u00farokov\u00e1 sazba, co\u017e je synonymem slova \u00farokov\u00e1 m\u00edra. Jedn\u00e1 se o ozna\u010den\u00ed nav\u00fd\u0161en\u00ed \u010d\u00e1stky, kter\u00e9 byla p\u016fj\u010dena, a to v\u00a0procentech za dan\u00fd \u010dasov\u00fd \u00fasek. Ke ka\u017ed\u00e9mu \u00fav\u011bru... Pokra\u010dovat ve \u010dten\u00ed →<\/a>","datePublished":"2018-05-16","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.eberunka.cz\/author\/#Person","name":"","url":"https:\/\/www.eberunka.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"eberunka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.eberunka.cz\/wp-content\/uploads\/img_a320476_w2454_t1531765038.jpg","url":"https:\/\/www.eberunka.cz\/wp-content\/uploads\/img_a320476_w2454_t1531765038.jpg","height":0,"width":0},"url":"https:\/\/www.eberunka.cz\/financnictvi-a-pujcky-vsechno-co-potrebujete-vedet\/","about":["Web"],"wordCount":468,"articleBody":"D\u016fle\u017eit\u00e9 je tak\u00e9 vyznat se v\u00a0z\u00e1kladn\u00edch pojmech tohoto odv\u011btv\u00ed. Jedn\u00edm z\u00a0nich je pojem \u00farokov\u00e1 sazba, co\u017e je synonymem slova \u00farokov\u00e1 m\u00edra. Jedn\u00e1 se o ozna\u010den\u00ed nav\u00fd\u0161en\u00ed \u010d\u00e1stky, kter\u00e9 byla p\u016fj\u010dena, a to v\u00a0procentech za dan\u00fd \u010dasov\u00fd \u00fasek. Ke ka\u017ed\u00e9mu \u00fav\u011bru je tak\u00e9 p\u0159ipojen \u00fav\u011brov\u00fd \u00fa\u010det, d\u00edky n\u011bmu\u017e m\u016f\u017eeme pohodln\u011b sledovat stav \u00fav\u011bru. Pokud si ale na druhou stranu zalo\u017e\u00edte spo\u0159\u00edc\u00ed \u00fa\u010det, budou v\u00e1m va\u0161e pen\u00edze vyd\u011bl\u00e1vat, bohu\u017eel se jedn\u00e1 o velmi mal\u00e9 \u010d\u00e1stky.Ka\u017ed\u00fd m\u00e1 jednou za \u010das pot\u0159ebu p\u016fj\u010dit si finan\u010dn\u00ed prost\u0159edky. A\u0165 u\u017e se jedn\u00e1 o n\u011bjakou ne\u010dekanou ud\u00e1lost, jako je porucha auta \u010di dom\u00e1c\u00edho spot\u0159ebi\u010de, nebo si prost\u011b chce p\u0159ilep\u0161it. M\u00edsto zdlouhav\u00e9ho a n\u00e1ro\u010dn\u00e9ho \u0161et\u0159en\u00ed si mnoho lid\u00ed rad\u011bji pen\u00edze p\u016fj\u010d\u00ed. Dnes je tak\u00e9 ve spoust\u011b obchod\u016f mo\u017en\u00e9 zakoupit si produkt na spl\u00e1tky bez nav\u00fd\u0161en\u00ed. M\u016f\u017eete si tak zakoupit nap\u0159\u00edklad nov\u00fd televizor ihned, nep\u0159eplat\u00edte ani korunu nav\u00edc a jeho koup\u011b nezruinuje v\u00e1\u0161 rodinn\u00fd rozpo\u010det. Jak dlouho budete spl\u00e1cet je pouze na v\u00e1s.Nov\u011b se tak\u00e9 roztrhl pytel s\u00a0nebankovn\u00edmi p\u016fj\u010dkami. Z\u00edskat p\u016fj\u010dku u banky toti\u017e b\u00fdv\u00e1 \u010dasto velmi slo\u017eit\u00e9. Mus\u00edte dolo\u017eit p\u0159\u00edjem a proj\u00edt dlouho cestou pap\u00edrov\u00e1n\u00ed. Nebankovn\u00ed spole\u010dnosti pak nab\u00edzej\u00ed pom\u011brn\u011b v\u00fdhodn\u011b \u00fav\u011bry. Lid\u00e9 se \u010dasto nechaj\u00ed nal\u00e1kat poutav\u00fdmi slogany v\u00a0reklam\u00e1ch a tak\u00e9 rychlost\u00ed, se kterou jsou p\u016fj\u010dky vy\u0159izov\u00e1ny. N\u011bkter\u00e9 spole\u010dnosti slibuj\u00ed pen\u00edze na \u00fa\u010dtu do p\u011bti minut. Nav\u00edc p\u016fj\u010duj\u00ed bez registru, bez dolo\u017een\u00ed p\u0159ijmu a n\u011bkter\u00e9 dokonce i lidem v\u00a0exekuci. Na tyto firmy je ale proto pot\u0159eba si d\u00e1vat pozor. Jedn\u00e1 se o spole\u010dnosti s\u00a0pochybn\u00fdm pozad\u00edm, kter\u00e9 nejsou za\u0161titov\u00e1ny stejn\u00fdmi pravidly, jako ty, kter\u00e9 plat\u00ed pro banky.Je pravd\u011bpodobn\u00e9, \u017ee pokud v\u00e1m banka odm\u00edtla d\u00e1t p\u016fj\u010dku, m\u011bla k\u00a0tomu n\u011bjak\u00fd p\u00e1dn\u00fd d\u016fvod. Lid\u00e9 si \u010dasto neuv\u011bdomuj\u00ed, \u017ee p\u016fj\u010dka je jen do\u010dasn\u00e9 \u0159e\u0161en\u00ed jejich finan\u010dn\u00edch probl\u00e9m\u016f. Chvilkov\u00e1 \u00faleva pro zat\u00ed\u017eenou pen\u011b\u017eenku se ale brzy vr\u00e1t\u00ed jak bumerang a spl\u00e1tky spole\u010dn\u011b s\u00a0poplatky mohou p\u0159iv\u00e9st jedince a\u017e k\u00a0bankrotu. To, \u017ee je p\u016fj\u010dit si dnes zna\u010dn\u00fd obnos pen\u011bz tak snadn\u00e9, p\u0159edstavuje ur\u010dit\u00e9 nebezpe\u010d\u00ed pro finan\u010dn\u011b negramotn\u00e9 ob\u010dany. 4\/5 - (6 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dnictv\u00ed a p\u016fj\u010dky \u2013 v\u0161echno, co pot\u0159ebujete v\u011bd\u011bt","item":"https:\/\/www.eberunka.cz\/financnictvi-a-pujcky-vsechno-co-potrebujete-vedet\/#breadcrumbitem"}]}]