[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elimar.cz\/jde-to-i-s-pujckou\/#Article","mainEntityOfPage":"https:\/\/www.elimar.cz\/jde-to-i-s-pujckou\/","headline":"Jde to i s p\u016fj\u010dkou","name":"Jde to i s p\u016fj\u010dkou","description":"Ka\u017ed\u00fd \u010dlov\u011bk, kter\u00fd sly\u0161\u00ed o dluhu m\u00e1 vidinu utr\u00e1pen\u00e9ho pohledu, kdy str\u00e1v\u00edme v pr\u00e1ci stovky hodin nav\u00edc jen abychom v \u010das st\u00edhali spl\u00e1cet hypot\u00e9ku. Takov\u00fd pohled nen\u00ed moc optimistick\u00fd, ale v\u016fbec to tak b\u00fdt nemus\u00ed. V r\u00e1mci standartn\u00edho \u00fav\u011bru na bydlen\u00ed je zapot\u0159eb\u00ed dodr\u017eovat spoustu pravidel. Mus\u00edme dolo\u017eit pravideln\u00fd p\u0159\u00edjem nebo z\u00e1stavu nemovitosti jej\u00ed\u017e hodnotu […]","datePublished":"2018-06-02","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.elimar.cz\/author\/#Person","name":"","url":"https:\/\/www.elimar.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elimar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elimar.cz\/wp-content\/uploads\/img_a321316_w2195_t1532588872.jpg","url":"https:\/\/www.elimar.cz\/wp-content\/uploads\/img_a321316_w2195_t1532588872.jpg","height":0,"width":0},"url":"https:\/\/www.elimar.cz\/jde-to-i-s-pujckou\/","wordCount":400,"articleBody":"Ka\u017ed\u00fd \u010dlov\u011bk, kter\u00fd sly\u0161\u00ed o dluhu m\u00e1 vidinu utr\u00e1pen\u00e9ho pohledu, kdy str\u00e1v\u00edme v pr\u00e1ci stovky hodin nav\u00edc jen abychom v \u010das st\u00edhali spl\u00e1cet hypot\u00e9ku. Takov\u00fd pohled nen\u00ed moc optimistick\u00fd, ale v\u016fbec to tak b\u00fdt nemus\u00ed. V r\u00e1mci standartn\u00edho \u00fav\u011bru na bydlen\u00ed je zapot\u0159eb\u00ed dodr\u017eovat spoustu pravidel. Mus\u00edme dolo\u017eit pravideln\u00fd p\u0159\u00edjem nebo z\u00e1stavu nemovitosti jej\u00ed\u017e hodnotu ur\u010d\u00ed soudn\u00ed znalec. Pravideln\u011b je n\u00e1m kontrolov\u00e1n \u00fa\u010del vyu\u017e\u00edv\u00e1n\u00ed poskytnut\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f a v\u011bt\u0161inou je dosazen tak\u00e9 odporn\u00edk, kter\u00fd postup na\u0161\u00ed pr\u00e1ce kontroluje. V r\u00e1mci \u00fav\u011bru na bydlen\u00ed jsou v\u011bt\u0161inou akceptov\u00e1ny klasick\u00e9 fixn\u00ed \u00faroky. Ty jsou nastaveny tak, \u017ee banka stanov\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, kter\u00e1 odpov\u00edd\u00e1 na\u0161im p\u0159\u00edjm\u016fm. Bohu\u017eel se u\u017e p\u0159\u00edli\u0161 nezaj\u00edm\u00e1 o to, zda jsem tuto \u010d\u00e1stku opravdu schopni pravideln\u011b spl\u00e1cet. To m\u016f\u017ee zna\u010dn\u011b p\u0159it\u00ed\u017eit rodinn\u00e9mu rozpo\u010dtu. Pokud je\u0161t\u011b \u017eiv\u00edme dv\u011b d\u011bti, kter\u00e9 nav\u0161t\u011bvuj\u00ed st\u00e1tn\u00ed \u0161kolu n\u00e1\u0161 rozpo\u010det je k prasknut\u00ed. Jde to ale \u0159e\u0161it i jinak. M\u016f\u017eeme se zam\u011b\u0159it na nebankovn\u00ed sektor. Zde lze vyu\u017e\u00edt spoustu bez\u00fa\u010delov\u00fdch p\u016fj\u010dek, kter\u00e9 n\u00e1m zajist\u00ed snaz\u0161\u00ed chod dom\u00e1cnosti. V dne\u0161n\u00ed dob\u011b, kdy do\u0161lo k ukon\u010den\u00ed um\u011bl\u00e9 devalvace m\u011bny jsou p\u016fj\u010dky na vzestupu . \u00darokov\u00e9 sazby, a tedy cena p\u016fj\u010dek nebyla nikdy ni\u017e\u0161\u00ed. V\u00fdhodou t\u011bchto p\u016fj\u010dek je jejich ru\u010den\u00ed. Nikdo se v\u00e1s nept\u00e1, zda jste dlu\u017en\u00edci nebo zda m\u00e1te dostate\u010dn\u00fd p\u0159\u00edjem v p\u0159\u00edpad\u011b pokryt\u00ed ztr\u00e1ty a neschopnosti spl\u00e1cet. Nikdo v\u00e1s nekontroluje, jestli vyu\u017e\u00edv\u00e1te pen\u00edze na spr\u00e1vn\u00fd \u00fa\u010del. D\u016fle\u017eit\u00e9 je jen p\u016fj\u010dku \u0159\u00e1dn\u011b splatit. Zde by mohl nastat z\u00e1drhel. V \u010dem je tato p\u016fj\u010dka lep\u0161\u00ed ne\u017e bankovn\u00ed hypot\u00e9ka? M\u00e1 spoustu podobn\u00fdch znak\u016f. Hlavn\u011b je mo\u017en\u00e9 ji spl\u00e1cet po velice dlouhou dobu, tak\u017ee m\u016f\u017eeme volit mezi fixn\u00edmi a mal\u00fdmi \u010d\u00e1stkami nebo odlo\u017een\u00fdmi spl\u00e1tkami. V druh\u00e9m p\u0159\u00edpadn\u011b zaplat\u00edme celou jistinu a\u017e se n\u00e1m to bude prost\u011b hodit.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jde to i s p\u016fj\u010dkou","item":"https:\/\/www.elimar.cz\/jde-to-i-s-pujckou\/#breadcrumbitem"}]}]