[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dusp.cz\/uroky-mohou-byt-opravdova-zatez-a-brzda\/#Article","mainEntityOfPage":"https:\/\/www.dusp.cz\/uroky-mohou-byt-opravdova-zatez-a-brzda\/","headline":"\u00daroky mohou b\u00fdt opravdov\u00e1 z\u00e1t\u011b\u017e a brzda","name":"\u00daroky mohou b\u00fdt opravdov\u00e1 z\u00e1t\u011b\u017e a brzda","description":"M\u00e1lokdo si opravdu poctiv\u011b propo\u010d\u00edt\u00e1, kolik ho vlastn\u011b bude st\u00e1t v kone\u010dn\u00e9m d\u016fsledku p\u016fj\u010den\u00ed pen\u011bz. \u010castokr\u00e1t se stane, \u017ee se pod\u00edv\u00e1me na \u00farokovou sazbu a \u010d\u00edm ni\u017e\u0161\u00ed \u010d\u00edslo vid\u00edme, t\u00edm lep\u0161\u00ed. Ne\u0159\u00edk\u00e1me, \u017ee se jedn\u00e1 o \u0161patn\u00fd postup, ba pr\u00e1v\u011b naopak, o k\u00fd\u017een\u00fd postup. Ov\u0161em tak\u00e9 z\u00e1le\u017e\u00ed na situaci, ve kter\u00e9 se nach\u00e1z\u00edme a pro […]","datePublished":"2019-10-14","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.dusp.cz\/author\/#Person","name":"","url":"https:\/\/www.dusp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dusp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dusp.cz\/wp-content\/uploads\/img_a367868_w2208_t1580302930.jpg","url":"https:\/\/www.dusp.cz\/wp-content\/uploads\/img_a367868_w2208_t1580302930.jpg","height":0,"width":0},"url":"https:\/\/www.dusp.cz\/uroky-mohou-byt-opravdova-zatez-a-brzda\/","about":["Pen\u00edze"],"wordCount":410,"articleBody":"         M\u00e1lokdo si opravdu poctiv\u011b propo\u010d\u00edt\u00e1, kolik ho vlastn\u011b bude st\u00e1t v kone\u010dn\u00e9m d\u016fsledku p\u016fj\u010den\u00ed pen\u011bz. \u010castokr\u00e1t se stane, \u017ee se pod\u00edv\u00e1me na \u00farokovou sazbu a \u010d\u00edm ni\u017e\u0161\u00ed \u010d\u00edslo vid\u00edme, t\u00edm lep\u0161\u00ed. Ne\u0159\u00edk\u00e1me, \u017ee se jedn\u00e1 o \u0161patn\u00fd postup, ba pr\u00e1v\u011b naopak, o k\u00fd\u017een\u00fd postup. Ov\u0161em tak\u00e9 z\u00e1le\u017e\u00ed na situaci, ve kter\u00e9 se nach\u00e1z\u00edme a pro jakou \u010dinnost \u010di v\u011bc si chceme pen\u00edze p\u016fj\u010dit a jak\u00e9 jsou podm\u00ednky. Pokud v\u00edte, \u017ee jste schopni z\u00edskat velk\u00e9 pen\u00edze, pakli\u017ee v\u00e1m nyn\u00ed n\u011bkdo poskytne alespo\u0148 \u010d\u00e1st financ\u00ed, tak se klidn\u011b m\u016f\u017eete odv\u00e1\u017eit i do daleko v\u011bt\u0161\u00edho \u00faroku. Pro\u010d? Proto\u017ee to m\u016f\u017eete splatit p\u0159ed\u010dasn\u011b a je to. Tenhle postup by byl ale pro n\u011bkoho, kdo by tak velkou sumu v horizontu p\u011bti let nena\u0161et\u0159il, naprosto zdrcuj\u00edc\u00ed, proto\u017ee by si vzal p\u016fj\u010dku s dvaceti procentn\u00ed \u00farokovou sazbou a za t\u011bch p\u011bt let by zaplatil pomalu celou p\u016fj\u010dku. \u00darokov\u00e1 sazba je pojem velice \u010dasto sklo\u0148ovan\u00fd. Ov\u0161em nikdy by n\u00e1s nem\u011bl odradit od p\u0159\u00edpadn\u00fdch rozhodnut\u00ed, \u010dastokr\u00e1t je toti\u017e vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba jako reakce na n\u011bjak\u00e9 lep\u0161\u00ed podm\u00ednky, kter\u00e9 by nap\u0159\u00edklad klient u \u00fav\u011bru \u010di p\u016fj\u010dky s \u00farokovou sazbou do p\u011bti procent nedostal. Samoz\u0159ejm\u011b, nem\u016f\u017eete to vztahovat na v\u0161echny p\u0159\u00edklady, ov\u0161em pokud se pod\u00edv\u00e1me na to ze str\u00e1nky logick\u00e9, zjist\u00edme, \u017ee to d\u00e1v\u00e1 smysl \u2013 pokud v\u00edm, \u017ee mi klient pravd\u011bpodobn\u011b pen\u00edze vr\u00e1t\u00ed v co nejkrat\u0161\u00edm horizontu, budu se sna\u017eit o to, aby byla \u00farokov\u00e1 sazba co nejvy\u0161\u0161\u00ed, aby se v\u0161echny ty procenta shrom\u00e1\u017edili do kr\u00e1tk\u00e9ho \u010dasov\u00e9ho \u00faseku. Kde\u017eto pokud jsem si  jist , \u017ee klient nikde nesp\u011bch\u00e1 a ani v dohledn\u00e9 dob\u011b nevypad\u00e1, \u017ee by za\u010dal vyd\u011bl\u00e1vat miliony, m\u016f\u017eu si klidn\u011b nechat \u00farokovou sazbu n\u00edzkou, proto\u017ee mi to splat\u00ed tak i tak. V\u017edycky pozorn\u011b \u010dt\u011bte podm\u00ednky \u00fav\u011brov\u00e9 smlouvy a t\u0159eba naraz\u00edte na \u00farokovou sazbu https:\/\/www.hypotekybezregistru.cz\/a19-urokova-sazba\/, kter\u00e1 v\u00e1m bude sympatick\u00e1 a spolu s podm\u00ednkami bude tvo\u0159it velice dobr\u00e9 kombo.                                                                                                                                                                                                                                                                                                                                                                                          4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00daroky mohou b\u00fdt opravdov\u00e1 z\u00e1t\u011b\u017e a brzda","item":"https:\/\/www.dusp.cz\/uroky-mohou-byt-opravdova-zatez-a-brzda\/#breadcrumbitem"}]}]